vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AL

Complaint narrative:
Greetings CFPB! 
MOHELA is not processing my documentation as indicated in their response. I have contacted MOHELA. All documentation has been provided. This PSLF should have been processed and the balance zero. Instead, I received a letter indicating interest is accruing when it should not be ( see attachment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT 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 non-monetary relief
Consumer complaint received 2025-07-03 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am filing this complaint against Innovis for failing to remove two unverifiable accountsXXXX XXXX XXXXXXXX and XXXX multiple disputes. Under the Fair Credit Reporting Act ( FCRA ), accounts that can not be validated must be deleted. Innovis continues to report both accounts without properly investigating them. I submitted disputes numerous times, attaching evidence, but Innovis repeatedly responded with verified without conducting a meaningful investigation. Regarding XXXX, I contacted the original creditor for full debt validation, and they confirmed they no longer own the account and referred me to XXXX XXXX XXXX XXXX XXXX responded in writing stating I have no obligation on the account. With XXXX XXXX XXXXXXXX, I submitted a complaint via CFPB and directly contacted XXXX XXXX, Regulatory Complaints Specialist, but after more than 30 days and multiple follow-ups, they failed to provide any supporting documentation. Despite submitting all supporting evidence with my disputes, Innovis still marked both accounts as verified without producing any verification records. I am again attaching my supporting documents with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
NAME OF COLLECTION AGENCY LVNV FUNDING LLC ACCT # XXXX XXXX  RE : Request for Debt Validation under the Fair Debt Collection Practices Act ( FDCPA ) Account/Reference Number : [ Insert Account Number if known ] To Whom It May Concern, This letter is being sent to you in response to a collection notice or other communication I received regarding an alleged debt. I am requesting that you provide proper validation and verification of the debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and relevant protections under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Please consider this letter a formal dispute of the alleged debt and a request for validation. I am requesting the following : The name and address of the original creditor. 
A complete itemization of the debt, including the amount of the original debt, any interest, fees, or other charges that have been added. 
Proof that you are legally authorized to collect this debt, including a copy of the assignment or other transfer of ownership. 
A copy of the original signed agreement or contract that authorizes the charges and binds me to pay. 
If this debt has been reported to any credit reporting agency, please provide : The date the debt was first reported The name ( s ) of the credit bureau ( s ) it was reported to The date of first delinquency as defined under FCRA 623 ( a ) ( 5 ) Please note : Until you provide proper validation of this debt, you must cease all collection activities, including reporting this debt to any credit bureau ( or must note it as disputed if its already reported ), as required by FDCPA 809 ( b ) and FCRA regulations.

If you do not respond with the requested information within 30 days of receipt of this letter, or if you continue to report this debt to the credit bureaus without noting it as disputed, you may be in violation of federal law. 
I also request that you do not contact me by telephone. All future communications must be in writing and sent to the address listed above. 

Thank you for your cooperation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I XXXX XXXX am physically filing this complaint against TransUnion for reporting unauthorized and unverifiable hard inquiries on my credit report that are not tied to any open or closed credit account. This is a violation of both the Fair Credit Reporting Act ( FCRA ) and Metro 2 data reporting guidelines.

Under FCRA 1681b ( a ), a credit reporting agency may only release a consumers credit file when there is a valid and permissible purpose. The inquiries listed below do not meet this standard and are not connected to any open or closed account in my credit file. Additionally, under FCRA 1681i ( a ) and 1681i ( a ) ( 5 ) ( A ), TransUnion is required to reinvestigate disputed information and delete any item that can not be verified with documentation.

Per Metro 2 compliance, inquiries must be verifiably tied to a credit application that resulted in a tradeline. Inquiries without such ties must be removed for failure to meet data integrity standards. 

The following hard inquiries on my TransUnion credit report ( dated XX/XX/XXXX ) are not associated with any open or closed account and were not authorized : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am demanding the immediate deletion of these inquiries and written confirmation that : A permissible purpose existed for each inquiry ; I authorized the credit pull through a signed application ; These inquiries are tied to a verifiable account, which they are not. 

If TransUnion fails to provide verification, these inquiries must be deleted as required by law. Continued reporting without proper documentation is a willful violation of FCRA, exposing TransUnion to civil liability under 1681n and 168

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 2025-07-03 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: PA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: MI

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I am filing this complaint against Caine & Weiner for reporting a collection account from XXXX XXXX to the credit bureaus without providing legal validation of the debt, and for using coercive and noncompliant collection tactics in violation of the Fair Debt Collection Practices Act ( FDCPA 809 ) and Fair Credit Reporting Act ( FCRA 623 ). 

Caine & Weiner is currently reporting this account as a collection item on my credit report. I have never received any contractual agreement, itemized billing statement, or proof of obligation to XXXX for this debt. I disputed the tradeline and requested : Verification of the debt and a detailed breakdown of charges, A copy of the original agreement or insurance billing, and Documentation showing Caine & Weiner 's authority to collect and report this debt. 

I received no documentation in response. 

I then called Caine & Weiner to follow up, and during that phone call : Their representative was argumentative and dismissive, Told me they had already " sent everything necessary '' to be able to collect ( I received nothing ), and Threatened that the debt would remain on my credit report unless I made a payment immediately over the phone. 

This is a direct violation of FDCPA 807 ( false or misleading representations ) and 809 ( failure to validate ). It is also coercive and predatory behavior to attempt to force payment using the threat of ongoing credit damage. 

This account is not validated, not documented, and is now being used to pressure me unfairly. Insurance billing is not a credit obligation, and this reporting is misleading, damaging, and unsupported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I found an inquiry that I do not recognize. I did not apply for credit with this company, nor did I authorize or consent to the access of my credit information. This unauthorized activity is deeply concerning and has caused me significant stress and anxiety.

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 2025-07-03 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in to be removed.

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 XXXX days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: IN

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 2025-07-03 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 want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
Square Financial Services deposited funds into an old, closed bank account that I have not used since XXXX. I never authorized this transaction to go to that account, and my current bank account is properly linked in my Square account. 
I contacted Square immediately after noticing the error. I requested a trace number or confirmation of the return of funds. They initially acknowledged the issue and requested a letter from the bank confirming the account was closed. I provided this documentation, and after that, Square stopped responding. 
It has now been over XXXX business days since the deposit was made into the closed account. The receiving bank has confirmed that the account was closed in XXXX and that no funds were received. Square has failed to initiate a reversal, retrieve the funds, or respond with any resolution or trace number. 
I believe they are withholding my money without cause, and Im left with no clear path to recover my funds. 

The transfer was for {$390.00}, made on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am disputing a charged-off credit account still being reported by XXXX XXXX on my Experian credit report. XXXX legally merged into XXXX XXXX, XXXX. on XX/XX/year>, yet the account is still being reported under XXXX XXXX  as of my most recent report. 

The amount reported is {$6600.00}. This account is also the subject of an active arbitration proceeding. Reporting negative tradelines under a non-existent legal entity and during pending arbitration violates the Fair Credit Reporting Act.

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 2025-07-03 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: VA

Complaint narrative:
Im reaching out because theres a serious issue on my credit report that needs to be fixed immediately. Theres an account listed under my name that doesnt belong to me it belongs to someone else. Somehow, my credit file has been mixed up with theirs, and this inaccurate information is unfairly dragging down my credit history.

Let me be absolutely clear : this account is not mine, and I did not authorize it in any way. Its a mistake that has no place on my report, and I expect it to be removed without 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 non-monetary relief