vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  & XXXX  credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account ( XXXX acct # XXXX ) was charged off on XX/XX/year>. Since then the account has been repeatedly updated as Charged Off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX account number XXXX from my credit report.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
o Whom It May Concern, I am writing to formally dispute inaccurate mortgage delinquency reporting related to my property located in XXXX XXXX, Florida. 

The property was severely damaged by Hurricane Ian ( XXXX ) and later sustained additional damage from Hurricanes Helene and Milton. Each of these storms was a federally declared natural disaster affecting XXXX XXXX, Florida, pursuant to the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 51215207 ) and corresponding FEMA Major Disaster Declarations. 

As a direct result of these federally declared disasters and their impact on the subject property, my mortgage servicer approved a disaster-related forbearance from XX/XX/XXXX through XX/XX/XXXX, during which mortgage payments were suspended under approved hardship and loss mitigation programs.

Despite this approved forbearance, the mortgage company reported the account as delinquent beginning in XX/XX/XXXX. This reporting is inaccurate and misleading, as it fails to reflect the accounts protected status during an active disaster forbearance period. 

Additionally, in XX/XX/XXXX, I entered into a loss mitigation agreement that includes deeding the property back to the mortgage company, confirming that the loan was being resolved through authorized mitigation channels rather than borrower default.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), consumer reporting agencies and furnishers are required to ensure that reported information is accurate and complete. Reporting missed payments during an approved disaster forbearance constitutes inaccurate reporting under 15 U.S.C. 1681s-2.

I respectfully request that you conduct a reinvestigation and correct or delete all delinquency, late payment, or nonpayment notations reported during the approved forbearance and loss mitigation period.

Enclosed evidence of federally declared disasters impacting this property includes : FEMA Major Disaster Declarations covering XXXX XXXX, Florida for Hurricanes Ian, Helene, and Milton Insurance loss documentation and/or adjuster reports confirming storm-related damage to the property Local, state, or federal disaster assistance correspondence referencing the subject property Mortgage servicer forbearance approval referencing disaster-related hardship Loss mitigation agreement executed in XX/XX/XXXX Please provide written confirmation once your investigation is complete and the inaccurate information has been corrected.

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 2025-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion refuses your dispute, it often means they claim the information is accurate or your dispute is incomplete ; your next steps involve providing stronger proof, contacting the original lender, escalating with a formal complaint to the CFPB, or seeking legal help from an FCRA attorney to enforce your rights under the Fair Credit Reporting Act ( FCRA ). WITH POLICE REPORT AND FTC REPORT ID NUMBER XXXX SSN NUMBER For a TransUnion data breach, relevant laws include California Civil Code 1798.82 ( requiring business notification for breaches ) and federal laws like the Fair Credit Reporting Act ( FCRA ), which sets standards for credit reporting agencies, though the Supreme Court 's TransUnion v. Ramirez ruling clarified that mere risk of harm isn't enough for federal standing, requiring demonstrable injury. Affected individuals usually get breach notices, credit monitoring, and should place fraud alerts, while lawsuits focus on compensation for actual harm, often citing state laws for notification and federal laws for accuracy failures.

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 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LendingPoint Holdings LLC
State: VA

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading credit reporting related to a debt that was sold to another lender, yet continues to be reported by the original creditor. 

The account ( Lending PT, account ending XXXXXXXX XXXX XXXX ) shows a {$0.00} balance and is marked as sold/transferred to another lender ( XXXX XXXX XXXX XXXX Despite this, the original creditor continues reporting late payment history, while a collection account is also reporting the same debt. 

Once the account was sold and the balance reduced to XXXX, the original creditor no longer had a permissible purpose under FCRA 604 ( a ) to continue reporting delinquencies. Continued reporting after sale is inaccurate and misleading and violates FCRA 607 ( b ), which requires maximum possible accuracy. 

Reporting the same debt in this manner creates duplicative and conflicting tradelines, improperly inflates the appearance of delinquency, and causes unjust harm to my credit profile. A debt can not be simultaneously sold, closed with a XXXX balance, and still generate new late payment reporting by the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: I.C. System, Inc.
State: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing
my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-12-27 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am formally disputing the alleged debt referenced above. I do not acknowledge any liability for this account and demand that you provide full legal validation and verification as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x.

Specifically, I demand the following documentation : 1. A copy of the original signed contract or agreement showing my legal obligation to pay this debt.

2. Complete payment history, including principal, interest, fees, and any adjustments.

3. Proof that you are legally authorized to collect this debt in my state, including chain of ownership if the debt was sold or assigned.

4. Name, address, and account number of the original creditor.

5. Proof that the alleged debt is within the statute of limitations in my state.

Until proper validation is provided, you are legally required to : - Cease all collection activity, including phone calls, letters, and electronic communication.

- Cease reporting this account to all credit reporting agencies.

Reporting or attempting to collect this debt without proper validation constitutes a violation of : - FDCPA 1692e & 1692f ( false, deceptive, or unfair practices ) - FCRA 1681s-2 ( a ) & ( b ) ( furnishing unverified or inaccurate information ) Demand for Immediate Deletion : If you can not or will not provide the requested verification, you are directed to immediately delete any reporting of this account from all consumer reporting agencies and provide written confirmation of deletion.

Failure to comply will leave me no choice but to pursue all available legal remedies, including : - Filing additional complaints with the CFPB and State Attorney General - Seeking civil remedies for actual and statutory damages under federal law - Reporting willful noncompliance to applicable regulatory authorities This letter is not an acknowledgment of debt, but a lawful demand for validation and correction of inaccurate reporting. Any further reporting or collection without proper validation will be documented as willful non-compliance.

All future communication must be in writing only and sent to my personal address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: Quality Asset Recovery LLC
State: FL

Complaint narrative:
I am formally disputing the alleged debt referenced above. I do not acknowledge any liability for this account and demand that you provide full legal validation and verification as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x.

Specifically, I demand the following documentation : 1. A copy of the original signed contract or agreement showing my legal obligation to pay this debt.

2. Complete payment history, including principal, interest, fees, and any adjustments.

3. Proof that you are legally authorized to collect this debt in my state, including chain of ownership if the debt was sold or assigned.

4. Name, address, and account number of the original creditor.

5. Proof that the alleged debt is within the statute of limitations in my state.

Until proper validation is provided, you are legally required to : - Cease all collection activity, including phone calls, letters, and electronic communication.

- Cease reporting this account to all credit reporting agencies.

Reporting or attempting to collect this debt without proper validation constitutes a violation of : - FDCPA 1692e & 1692f ( false, deceptive, or unfair practices ) - FCRA 1681s-2 ( a ) & ( b ) ( furnishing unverified or inaccurate information ) Demand for Immediate Deletion : If you can not or will not provide the requested verification, you are directed to immediately delete any reporting of this account from all consumer reporting agencies and provide written confirmation of deletion.

Failure to comply will leave me no choice but to pursue all available legal remedies, including : - Filing additional complaints with the CFPB and State Attorney General - Seeking civil remedies for actual and statutory damages under federal law - Reporting willful noncompliance to applicable regulatory authorities This letter is not an acknowledgment of debt, but a lawful demand for validation and correction of inaccurate reporting. Any further reporting or collection without proper validation will be documented as willful non-compliance.

All future communication must be in writing only and sent to my personal address.

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 2025-12-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: NY

Complaint narrative:
Cash App investigated funds that were used for an old account that I had with them and they resolved the problem and had been given the proof of funds settling in my XXXX pay account and are refusing to refund me {$200.00} dollars. Furthermore, the actual amount was {$270.00}, and which theyve given me {$75.00} dollars already back but are telling me that they have 45 days to finish the investigation, but before the 45 days it was only XXXX days and in the XXXX days they returned the {$75.00} but not the {$200.00} from the actual amount of {$270.00} thats owed to me. This is wrong and suspect and Cash App has caused me a very major hardship due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
I deposited a {$300.00} check into my checking account, which has been open for approximately XXXX year. The bank placed an extended hold on the funds and stated they will not be available until the XXXX, resulting in an XXXX hold. 
The banks stated reason is confidential information that the check may not be paid. However, the check has already cleared and been paid by the issuing bank, eliminating any reasonable cause to doubt collectibility. 

Despite this, the bank refuses to release the funds or provide any further explanation, even after I visited the branch in person and requested escalation. 

This improper hold directly caused a late credit card payment and financial hardship, as I recently switched jobs and had no other available funds. 

I believe this hold violates Regulation CC, which requires funds to be released as soon as the reason for doubt is resolved. I am requesting immediate release of the funds and reimbursement for any fees or interest incurred as a result of this hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX / XXXX ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX a payment was sent to my Cash App account in error by another individual The funds were pending and did not belong to me. 

Before I was able to refund the sender, Cash App automatically applied the funds to a Cash App Borrow loan on my account without my authorization. 

I immediately notified Cash App that the money was sent in error and was third-party funds, but I was told I could not refund it because it had already been applied to my loan. 

I did not authorize the use of someone elses money to pay my loan, and this action prevented the rightful owner from receiving their funds back. 

I am requesting that Cash App reverse the unauthorized loan payment, restore my loan balance to its prior amount, and return the funds to the original sender. 

This appears to be an unauthorized application of third-party funds and an unfair payment practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year> XXXX EXPERIAN XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, EXPERIAN 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 2025-12-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have 2 phone numbers saved on this phone and currently the XXXX is currently off. I've been trying to contact them about changing it to my current one, XXXX, but I haven't gotten response within the 2 months its been off.

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