vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MI

Complaint narrative:
Cash app ( square inc ) has had my account frozen for over a month because my coworker sent me XXXX $ and a XXXX flag emoji for food we got together. My coworker have exchanged money many times throughout the last year. I was told id get an email within 2 days regarding this issue and i have never received another email since the first one sent on XX/XX/XXXX. I have requested many of times to get an update and all I get back is " its being escalated to a higher team '', " we hear your concern, weve filed your complaint ''. Yet I haven't heard back from cash app at all regarding this situation. My rent money is in that account! Im about to lose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I SEND ALL THE DOCUMENTS FTC IDENTITY REPORTS DRIVERS LICENSE SOCIAL SECURITY THEY REMOVE THE ACCOUNTS AND PUT THEM BACK ON MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received IRS Form 1099-Cs for my XXXXXXXX XXXX accounts ( attached ). Despite this, Experian is reporting these accounts with inaccurate and derogatory statuses compared to the other bureaus : XXXX XXXX - Experian : Charge card Paid in settlement, account paid in full for less than full balance. 

XXXX XXXX XXXX Revolving account Paid or paying as agreed, {$0.00} balance. 

- XXXX XXXX Revolving account Pays account as agreed, {$0.00} balance. 

XXXX - Experian : Credit card Paid in settlement, account paid in full for less than full balance. 

XXXX XXXX XXXX Revolving account Paid or paying as agreed, {$0.00} balance. 

XXXX XXXX XXXX Does not report this account. 

These inconsistencies cause Experians reporting to appear more negative than XXXX XXXX XXXX which unfairly harms my credit profile. XXXX has already canceled these debts and reported them to the IRS as income. Experians status labels of settled/less than full balance are misleading and incomplete. 


Attachments Provided : 1099-C XXXX XXXX  IRS Form 1099-C for XXXX ( XX/XX/year> ) 1099-C XXXX XXXX IRS Form 1099-C for XXXX XXXX ( XX/XX/year> ) XXXX XXXXXXXXXXXX XXXX  credit report entry for XXXX XXXX XXXXXXXX XXXXXXXX XXXX  credit report entry for XXXX XXXX ExperianXXXX XXXXXXXX Experian credit report entry for XXXX ExperianXXXX XXXX XXXXXXXX Experian credit report entry for XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing a complaint against Midland Credit Management regarding unfair and unlawful debt collection and credit reporting practices. Midland Credit Management is attempting to collect on a debt that I dispute and that has not been properly validated. Despite my request for validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), they have failed to provide the required documentation such as the original contract, complete account history, or proof that they have the legal right to collect this debt. In addition, Midland Credit Management is continuing to report this alleged debt to the credit reporting agencies without proper validation, which is a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ). Reporting inaccurate or unverified information damages my credit and constitutes unlawful collection activity. Their actions are : Failing to provide adequate validation of the alleged debt. Continuing collection activity while the debt is in dispute. Reporting inaccurate or unverifiable information to the credit bureaus. Causing harm to my credit standing and financial well-being. I am requesting that Midland Credit Management : 1. Provide full validation of the alleged debt, including the original signed agreement, complete account history, and proof of assignment/ownership. 2. Immediately cease reporting unverifiable or inaccurate information to the credit bureaus. 3. Remove any negative credit reporting related to this disputed account until proper validation is provided. The alleged debt amount is {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submit this complaint regarding false, inaccurate, or misleading information being reported by Experian and XXXX XXXX, and their failure to correct or reasonably reinvestigate my dispute as required under the Fair Credit Reporting Act ( FCRA ).

Specifically : Experian is reporting a late payment / derogatory credit mark that is incorrect, and despite my formal dispute, has not reversed or updated it.

First Advantage ( a background check / consumer reporting agency ) has produced or distributed a background report containing incorrect information ( e.g. misattributed criminal records or other adverse information ) which has harmed me ( e.g. caused a job offer to be rescinded ).

Both companies failed to follow the FCRAs reinvestigation and accuracy requirements, and ignored my dispute efforts. 



2. Relevant Legal Authority & Cases I rely on the following statutory and judicial authorities : Statutory Basis FCRA 15 U.S.C. 1681i ( a ) When a consumer disputes the completeness or accuracy of information, the credit reporting agency must conduct a reasonable reinvestigation within 30 days.

15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they publish.

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Furnishers of information ( like loan servicers or background data providers ) must not report information they know or have reason to believe is inaccurate. 

Judicial Precedents Collins v. Experian Information Solutions , Inc. ( 11th Cir. 2015 ) : The Court held that a consumer need not prove that the incorrect information was published to a third party to recover actual damages under 1681i ( a ).

Taylor v. First Advantage Background Services , Corp. : The plaintiff alleged that XXXX XXXX  willfully and negligently violated the FCRA by including incorrect criminal record data and failing to employ reasonable procedures to assure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I am submitting documentation to support my dispute regarding the inaccurate move-out date being reported by [ National Credit Systems Account XXXX XXXX ]. 

Facts : I vacated the property at [ XXXX XXXX XXXX XXXX, XXXX, VA XXXX on XX/XX/XXXX. 
On that date, I placed the keys in a sealed envelope marked with the apartment number, my name, the words vacated premises, and the date XX/XX/XXXX. I deposited this envelope in the property management drop box. 
Attached is a photograph of the envelope, showing the apartment number, my name, and the move-out date of XX/XX/XXXX. 
Additionally, I rented a XXXX moving truck on XX/XX/XXXX ( Contract XXXX ), confirming my move-out activity The furnisher has reported my move-out date as XX/XX/XXXX, which is false. The attached evidence shows I vacated on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have the reason to believe your company is reporting wrongful information to my credit report and I would like for it to be updated. I would like to update my Name, Address, Social Security. Date of birth, phone number and email. I am requesting that you investigate these discrepancies and correct or remove all inaccurate personal information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Date of Birth XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Social XXXX Phone : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM A VICTIM OF THE TRANSUNION DATA BREACH. IHAVE NO KNOWLEDGE OF THIS DEBT ON MY CREDIT REPORT OR THE HARD INQUIRIES. DUE TO CODE 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ANY INACCURATE INFORMATION ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. THE FOLLOWING ITEMS ARE : XXXX XXXX acct # XXXX debt : $ XXXXHard inquiries XXXX  XX/XX/year>, XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was paying for a fraudulent XXXX web page {$170.00} a month for thirteen months.

I had my IT guy looking for a cheaper web site when he discovered it wasn't actually XXXX taking the money, it was someone posing as XXXX intercepting my money. Called my bank, stopped my debit card, US bank gave me back all of my {$250000.00} dollars then a few days later removed it making my business account over drawn. 

I took in documentation from my real XXXX account with a letter and actual charges from XXXX which were {$43.00} a month for, my web page and {$52.00} every two years for my domain. I went into the bank and spoke to a very rude manager that said she was trying to help me as she raised her voice in front of everyone in the bank.

very unprofessional. It has been a nightmare. They said i had to let them know within sixty days, how could i if i didn't have a clue about this? this has been going on for months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX erroneously claims they received a payment more than 30 days late. I have contacted them directly numerous times to correct this, but this error remains on my report. All payments were made on time and as agreed. 

XX/XX/XXXX XXXX erroneously claims they received a payment more than 30 days late. I have contacted them directly numerous times to correct this, but this error remains on my report. All payments were made on time and as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX erroneously claims they received a payment more than 30 days late. I have contacted them directly numerous times to correct this, but this error remains on my report. All payments were made on time and as agreed. 

XX/XX/XXXX XXXX erroneously claims they received a payment more than 30 days late. I have contacted them directly numerous times to correct this, but this error remains on my report. All payments were made on time and as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief