vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: LA

Complaint narrative:
Final Notice of Noncompliance Identity Theft & Reinsertion Violations To Whom It May Concern, This is my final notice regarding your continued noncompliance with federal consumer protection laws following the submission of my FTC Identity Theft Report ( # XXXX ), signed affidavit, and associated disputes. Despite these efforts, the fraudulent accounts listed below have not been deleted, and in some cases, were reinserted without following the legal requirements set forth under federal law. 

Fraudulent Accounts : XXXX  XXXX {$6800.00} XXXX {$2200.00} XXXX {$1100.00} XXXX  XXXX XXXX XXXX {$6400.00} Violations of Federal Law : FCRA 605B : CRAs must block identity theft-related information within 4 business days upon receipt of a valid identity theft report. 
FCRA 611 : Consumers have the right to dispute information and receive a response within 30 days.

FCRA 611 ( a ) ( 5 ) ( B ) : Reinserted data must be verified and written notice must be provided to the consumer. 
FCRA 623 ( a ) ( 6 ) : Furnishers may not report information they know to be fraudulent after notice of identity theft.

FCRA 623 ( a ) ( 5 ) : Requires accurate reporting of dates of delinquency on charged-off accounts. 
FDCPA 807 : Prohibits the use of false, deceptive, or misleading representation in debt collection.

FDCPA 809 : Requires debt collectors to cease collection of disputed debt until verification is provided.

TILA 1637 : Prohibits furnishing account disclosures to anyone other than the actual obligor. 
FACTA Amendments to FCRA : Mandates fraud alerts, block of identity theft data, and consumer protections post-data breach. 
Final Resolution Demanded : I demand the permanent deletion and suppression of all fraudulent, unverifiable, and reinserted data within 10 business days. Failure to comply will result in the initiation of legal action, including damages for willful and negligent noncompliance under FCRA 616 and 617. This includes complaints filed with the CFPB, FTC, State Attorney General, and potential civil litigation. 

You are hereby instructed to cease all collection efforts, verify deletion with all bureaus, and confirm in writing. Your immediate attention to this matter is legally required. 
All documents are attached : Identification, Bill with current address, Affidavit, FTC report, SS card. I am hereby requesting no Stall letters. 

Sincerely, XXXX XXXX XXXX : XX/XX/year> 2025

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 2025-08-14 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: LA

Complaint narrative:
Final Notice of Noncompliance Identity Theft & Reinsertion Violations To Whom It May Concern, This is my final notice regarding your continued noncompliance with federal consumer protection laws following the submission of my FTC Identity Theft Report ( # XXXX ), signed affidavit, and associated disputes. Despite these efforts, the fraudulent accounts listed below have not been deleted, and in some cases, were reinserted without following the legal requirements set forth under federal law. 

Fraudulent Accounts : XXXX  XXXX {$6800.00} XXXX {$2200.00} XXXX {$1100.00} XXXX  XXXX XXXX XXXX {$6400.00} Violations of Federal Law : FCRA 605B : CRAs must block identity theft-related information within 4 business days upon receipt of a valid identity theft report. 
FCRA 611 : Consumers have the right to dispute information and receive a response within 30 days.

FCRA 611 ( a ) ( 5 ) ( B ) : Reinserted data must be verified and written notice must be provided to the consumer. 
FCRA 623 ( a ) ( 6 ) : Furnishers may not report information they know to be fraudulent after notice of identity theft.

FCRA 623 ( a ) ( 5 ) : Requires accurate reporting of dates of delinquency on charged-off accounts. 
FDCPA 807 : Prohibits the use of false, deceptive, or misleading representation in debt collection.

FDCPA 809 : Requires debt collectors to cease collection of disputed debt until verification is provided.

TILA 1637 : Prohibits furnishing account disclosures to anyone other than the actual obligor. 
FACTA Amendments to FCRA : Mandates fraud alerts, block of identity theft data, and consumer protections post-data breach. 
Final Resolution Demanded : I demand the permanent deletion and suppression of all fraudulent, unverifiable, and reinserted data within 10 business days. Failure to comply will result in the initiation of legal action, including damages for willful and negligent noncompliance under FCRA 616 and 617. This includes complaints filed with the CFPB, FTC, State Attorney General, and potential civil litigation. 

You are hereby instructed to cease all collection efforts, verify deletion with all bureaus, and confirm in writing. Your immediate attention to this matter is legally required. 
All documents are attached : Identification, Bill with current address, Affidavit, FTC report, SS card. I am hereby requesting no Stall letters. 

Sincerely, XXXX XXXX XXXX : XX/XX/year> 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: CT

Complaint narrative:
Account Number XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$880.00} Status : Collection The balance reported is inaccurate and does not reflect payments I have made. Additionally, this account is being reported with inconsistent information across bureaus. I request validation from the furnisher or deletion if unverifiable Under FCRA 611, you are required to conduct a reasonable reinvestigation of these disputed items. If the furnisher can not provide proper documentation proving the accuracy of this information, you must remove or correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CT

Complaint narrative:
Account Number XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$880.00} Status : Collection The balance reported is inaccurate and does not reflect payments I have made. Additionally, this account is being reported with inconsistent information across bureaus. I request validation from the furnisher or deletion if unverifiable Under FCRA 611, you are required to conduct a reasonable reinvestigation of these disputed items. If the furnisher can not provide proper documentation proving the accuracy of this information, you must remove or correct it.

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 2025-08-14 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: NC

Complaint narrative:
This is over the XXXX time I have filed a report again Equifax and transunion regarding information reporting to my credit report. I AM THE ONKY OWNER OF THE Name XXXX XXXX XXXX XXXX, trademarked, and these companies are reporting negative information, which is a violation against the trade name. I have contacted these companies regarding this matter, and they have failed to provide me with any supporting documentation stating that this debt is mine as a natural person. These companies do not have permission to report any information against me and failure to delete this information will result in a litigation process. I have asked for original wt ink signature contracts under section 609a of the FCRA, which I have not been provided with. I have disputed these items on multiple occasions and these companies are in violation of federal law. The following information is in violation of federal law by being reported to my credit report. This is the LAST correspondence before a court order will take place : XXXX XXXX # XXXX {$20000.00}, XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX # XXXX {$980.00} XXXX XXXX  # XXXX {$1200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I believe there are collection accounts on my credit report that contain incorrect information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate credit report. I request that these entries be reviewed, and if they can not be verified as accurate, they must be removed.

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 2025-08-14 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:
b"Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report: 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 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 2025-08-14 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: UT

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-14 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CA

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. 

XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX - XXXX 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 seven 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 2025-08-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Relay Financial (US), Corp.
State: TX

Complaint narrative:
I am the legal owner of a business account with Relay Financial. On XX/XX/2025, Relay closed my account without providing a specific reason, citing only compliance concerns. At the time of closure, there were funds in my account. 

Relay has refused to return my funds via any reasonable method

. They insist that the only way they can release my funds is by mailing a paper check to a physical U.S. business address in my business name. I do not have a U.S. business address and have informed them of this fact. Relay has not provided any citation of a U.S. law or regulation that requires them to use this check only to U.S. business address method. They have also refused alternative options such as international wire transfer, ACH to the original funding source, or transfer to another verified account.

As a result, I am unable to access my own money, and Relay is effectively withholding my funds indefinitely. This has caused significant financial hardship to my small online business. 

I believe this is an unfair and unreasonable practice, and potentially an unlawful withholding of client funds. I request the CFPBs assistance to require Relay Financial and/or its partner bank to release my funds promptly via a method accessible to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have two Bluebird accounts with two debit cards ( one ending in XXXX and one ending in XXXX ). Bluebird inexplicably closed and " premanently locked '' my accounts out of the blue claiming some terms and condition violation that they can not explain. 

I have called THREE times to simply ask for the ability to withdrawl my current balance to my linked checking, or have a check sent for my four-digit balance in each account, since they say the accounts are permanently locked. However, they REFUSE to provide my funds back, explain WHEN I may get my funds back, or HOW I get my funds back. Anytime I try to get specifics for MY MONEY that is locked up, they just give me some XXXX XXXX XXXX Georgia * but * also telling me there is not a set process to return my money! 

They can close my accounts as is their right, but they are stealing my money and not providing any process to return my funds. Also, they are shady becuase this is an American Express card that is run by XXXX and funds are held with XXXXXXXX XXXX  ( all this at the Bluebird webiste ), yet my first complaint to XXXX they claimed they didn't know anything about this card..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-14 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: CO

Complaint narrative:
I am disputing the account listed below as fraudulent and not mine. I am a confirmed victim of the 2017 Equifax data breach and have included my FTC Identity Theft Report, government-issued ID, and proof of address. 

Under FCRA 605B, you are required to block all information resulting from identity theft within four ( 4 ) business days of receiving my request and documentation. Once blocked, FCRA 611 ( a ) ( 5 ) ( B ) prohibits reinsertion of this information unless you have certified its accuracy and provided me written notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CO

Complaint narrative:
I am disputing the account listed below as fraudulent and not mine. I am a confirmed victim of the 2017 Equifax data breach and have included my FTC Identity Theft Report, government-issued ID, and proof of address. 

Under FCRA 605B, you are required to block all information resulting from identity theft within four ( 4 ) business days of receiving my request and documentation. Once blocked, FCRA 611 ( a ) ( 5 ) ( B ) prohibits reinsertion of this information unless you have certified its accuracy and provided me written notice.

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 2025-08-14 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: MO

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