vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting the following resolution regarding Experians failure to address multiple violations of the Fair Credit Reporting Act ( FCRA ) : 1. Immediate removal or correction of five ( 5 ) tradelines reported by XXXX XXXX related to XXXX XXXX XXXX XXXX debts that have been illegally re-aged. These accounts originated between XXXX  and XXXX, with the most recent delinquency in XX/XX/XXXX, and were later sold and re-reported by XXXX in XXXX  with incorrect date opened fields. 
2. Despite submitting formal disputes to Experian with documentationincluding the original promissory note and the timeline of first defaultExperian has failed to correct, update, or remove these inaccurately reported accounts. This constitutes a failure to conduct a reasonable investigation as required by FCRA 611 ( a ).

3. I am requesting that Experian be compelled to : Correct the date of first delinquency on all five accounts Or delete the accounts entirely if the furnishers ( XXXX XXXX  ) can not provide verifiable and accurate reporting consistent with FCRA 4. Experian must also provide a written explanation of the reinvestigation results and the method of verification used to uphold the inaccurate reporting.

5. Experian should also confirm that these accounts will not be reinserted or re-reported under new tradelines once removed, unless fully verified in compliance with FCRA 611 ( a ) ( 5 ) ( B ). 

If Experian continues to knowingly allow inaccurate, time-barred, and re-aged debt to appear on my credit report, I reserve the right to pursue statutory and punitive damages under the FCRA for willful noncompliance and failure to properly investigate disputed items.

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 2025-06-26 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:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

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 2025-06-26 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: SC

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: HI

Complaint narrative:
am writing to dispute the accuracy of a derogatory account listed on my credit report under the name XXXX XXXX XXXX XXXX for XXXX XXXX XXXX, which is stated to have been opened on XX/XX/XXXX. This information is factually incorrect and must be removed immediately under the Fair Credit Reporting Act ( FCRA ). 

To clarify : XXXX XXXX XXXX filed for bankruptcy in XX/XX/XXXX. 
The company was shut down in XX/XX/XXXX. 
Therefore, no valid account activity or collections from this company could have occurred in XX/XX/XXXX, as the company had ceased operations almost a year prior. 

This account is either a reporting error or a case of fraudulent misreporting by a now-defunct collection agency. Under the FCRA ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of any disputed information, and if the data can not be verified, it must be corrected or removed within 30 days of this notice.

Please delete this incorrect account from my credit report and confirm in writing that this action has been taken. Additionally, please send me an updated copy of my credit report reflecting the corrected information. 

Thank you for your prompt attention to this matter

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
inaccurate personal information on your credit reports

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 2025-06-26 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XX/XX/XXXX I submit a complaint about errors on my credit report and requested an investigation to fix the errors. 
XXXX XXXX, XXXX Experian responded send investigation results as accurate and did not change my credit report. 
XXXX XXXX, XXXX I requested a Reinvestigation with Proof and method of verification. Here my complaint " I Submitted a complaint about inaccurate accounts/errors on my credit report XXXX XX/XX/XXXXXXXX  I have received a notice of your investigations. I completely disagree with your investigation RESULTS. I have never been late on these accounts : Account name : XXXX XXXX  : Account number : XXXX Errors : Late payments XX/XX/XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX Inaccurate informations : late payments XX/XX/XXXX ( 30 days late ) I am now requesting PROOF of the previous investigation. I am asking that you send your method of verification along with all records of who you spoke with, their business address, name and phone number as well as documentation that prove this account was late. If you can not provide me with the information in 15 days please UPDATE the account to PAID / NEVER LATE and send me a copy of my update report. Thank You. 
XX/XX/XXXXXXXX  Experian sent investigation results stating the company verify the error as accurate without send me any PROOF along with all records of who you spoke with, their business address, name and phone number as well as documentation that prove this account was late CONCLUSION : EXPERIAN failed to properly investigate my complaint with is leading me to prepare for a lawsuit and I am expecting CFPB to help me.

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 2025-06-26 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: TX

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Additionally, the information provided on some items is unknown to me and has been removed from other bureaus, raising doubts about its accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-26 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/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 2025-06-26 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: FL

Complaint narrative:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 
As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 
The following are the items that I would like to be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 
As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 
The following are the items that I would like to be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IN

Complaint narrative:
Ive had my Cash App account since XXXX. On XX/XX/XXXX, I paid off a {$210.00} Borrow advance early and was about to use the feature again when I was suddenly forced to reverify my identity despite already being verified since opening the account. Once I put in my usual info, which the already have my SSN to borrow, so why suddenly is my info wrong? 

I entered the same legal name, correct Social Security number, and uploaded a clear photo of my drivers license, which Ive used for years. Despite this, the system kept failing my verification claiming my information didnt match, even though I havent changed anything. I attempted the photo and ID verification multiple times in well-lit conditions, using the exact info on my government-issued ID. 

As a result of the failed re-verification : My Cash App card was deactivated My account and routing number were removed I lost access to Borrow and overdraft, which was recent raised from {$25.00} to {$50.00} due to my deposit activity I just received a direct deposit of {$750.00} on XX/XX/XXXX, and now I can not access anything. 
Plus I lost all benefits from my near a year of deposits. 

Cash Apps customer support agents gave me no real help. They refused to explain what specific information was incorrect and told me to just try again. They also claimed they could not see the failed verification attempts for privacy reasons. I told them everything Im entering is correct! This is the same info I was verified with since I started the account. And in one of the screenshots you see that the overdraft coverage is stuck on XXXX meaning I was using this feature. Hence I was a real and verified account. Not to mention this has NEVER happened to me before. I also have seen others apparently, and recently with the same issue now! Which I will provide evidence below. 

This situation has put me in a financial bind. I was relying on the Borrow feature ( ~ {$200.00} ) and my direct deposit to pay important bills like my {$170.00} court ticket ( now paid ), {$250.00} car payment due XX/XX/XXXX, and {$800.00} rent due XX/XX/XXXX. 

I have screenshots of : My full and on-time Borrow repayments My direct deposit activity The failed verification attempts and restriction messages This appears to be a system failure on Cash Apps side, not mine. Ive submitted the same, correct information multiple times with no success. Im requesting a full review and reinstatement of my account access, along with the ability to use or transfer my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital Systems , LLC, Is alleging they obtained a judgement against me but they failed to provide me with the judgement. I am requesting that the judgement be sent so I can file an appeal. I dispute ever owing this company and I do plan on filing an appeal and have my day in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Opened XX/XX/XXXX in the amount of {$460.00} to Transworld systems INC. I have tried to dispute this past collection and was denied. I have had XXXX account since XXXX so I'm unsure of where this account generated from. If this is an account from me it is a very old one past 7 years old and needs to be deleted from credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. XXXXXXXX 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 2025-06-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I switched my cell service from XXXX to XXXX  on XXXX XXXX XX/XX/XXXX. 
I called the XXXX XXXX XXXX agent on XX/XX/XXXXXXXX  asked what my final due amount would be, I then paid the {$200.00} and was told there would be nothing due. 
Fast forward to today XXXX XX/XX/XXXX I just checked my credit score and it shows that I have a collection on my account from ( AMSHER COLLECTION SERVICES XXXX, AL XXXX PHONE ( XXXX ) XXXX ) for the sum of {$450.00} on behalf of XXXX? 
I hadnt received one letter email or phone call previous to this notice for collection on my XXXX  report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced accounts. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any accounts before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the accounts from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; Thomas v. TransUnion XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-26 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: CCS Financial Services, Inc.
State: CT

Complaint narrative:
I found a mistake in my credit report they have failed to resolve the issue. They have not fixed these issues which violates my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation