vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 non-monetary relief
Consumer complaint received 2025-07-28 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:
This is to inform you that an account currently being reported under my name is fraudulent and should be removed immediately. I did not open or authorize this account, and I am deeply concerned that my identity may have been used without my permission.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: OH

Complaint narrative:
Ive found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and I am requesting a full investigation under the fair credit reporting act ( FCRA ). Please remove this unverifiable item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: RI

Complaint narrative:
My account ( XXXX XXXXXXXX ) was terminated for no reason more than XXXX  years ago on CASHAPP, i never made any fraudulent payments or transactions everyone Ive ever sent money too was either family or online purchases supporting small businesses, i never really got any explanation other than i went against policy and they have to terminate my account, never went fully in dept of what i did just flat out deleted my account, i tried to reach out about a month ago to see if i can have any luck regaining my account but it was to no success. May you please reinstate my account CASHAPP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mid-Atlantic Finance Co., Inc.
State: SC

Complaint narrative:
Originally I bought this used lemon from a buy here pay here lot but didnt know that it would be outsourced to a third party. I was also told that my credit would not be impacted because we were in the market to buy a house. My credit was then ran XXXX by Mid Atlantic Finance twice and XXXX XXXX without my knowledge or consent. I also did not sign the contract for this car but I did make the down payment and drove the car home which was a huge mistake but I needed a car and this was my second car from this place. About a month later the car put me down and its been down since. I found out after inspection that the rouge dealer illegally manipulated the safety codes in the car and it almost killed me and my kids when my steering wheel locked up and the car pulled me across the interstate. Its been almost XXXX  years of me paying for a car that I cant drive its hurting my credit. I just want it off of my credit and to have my life back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: Self Financial Inc.
State: GA

Complaint narrative:
I was in the process of trying to buy a car, and there was damage on my credit report. According to 15 U.S.C 1681, there should not be any damages on my report.

Remove All Fraudulent Accounts Immediately!!!

I am writing to formally dispute a charge on my credit card account in accordance with the Fair Credit Billing Act ( FCBA ). The details of the disputed transaction.

I am writing to dispute inaccurate information that your company is reporting to the credit bureaus regarding my above-referenced account.

Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), I am formally requesting that you investigate this matter. The information currently being reported is inaccurate for the following reason : Under 15 U.S.C. 1681i, you are required to investigate my dispute, report the results to me, and correct or delete any inaccurate or unverifiable information within the required timeframe ( generally 30 days ).

Please confirm in writing when the investigation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was in the process of trying to buy a car, and there was damage on my credit report. According to 15 U.S.C 1681, there should not be any damages on my report.

Remove All Fraudulent Accounts Immediately!!!

I am writing to formally dispute a charge on my credit card account in accordance with the Fair Credit Billing Act ( FCBA ). The details of the disputed transaction.

I am writing to dispute inaccurate information that your company is reporting to the credit bureaus regarding my above-referenced account.

Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), I am formally requesting that you investigate this matter. The information currently being reported is inaccurate for the following reason : Under 15 U.S.C. 1681i, you are required to investigate my dispute, report the results to me, and correct or delete any inaccurate or unverifiable information within the required timeframe ( generally 30 days ).

Please confirm in writing when the investigation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Im filing this complaint regarding Synchrony Banks repeated and ongoing failures to provide accessible, timely, and transparent customer serviceparticularly in relation to responding to formal written correspondence from their Office of the President.

Over a span of more than seven days, I placed five separate calls attempting to follow up on written communication from their executive office. Despite this, Synchrony failed to provide a callback or email response, only eventually responding after repeated outreach. I also requested updates in writing ( e.g., through their secure message center ), but Synchrony representatives denied this request without providing a legal or policy-based justification. I find this troubling, especially as a disabled customer who relies on documentation for accessibility.

In my experience, this behavior reflects broader systemic barriers that Synchrony imposes on disabled or high-need customerseffectively creating a paperless black box that undermines transparency and increases the emotional and administrative burden on those attempting to resolve legitimate concerns.

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 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NY

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the above-referenced account as reported on my XXXX credit file. 

This account reflects inaccurate and misleading information and fails to meet the standard of reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ), Section 611. Despite my prior dispute ( s ), XXXX  has continued to report this account without verifying its accuracy or completeness. 

I have attempted to resolve the matter directly with the furnisher ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ), but the information remains inaccurately reported. Additionally, I have not received a clear or adequate response to my prior dispute. 

Legal Context CFPB Lawsuit Against XXXX  I must also point out that the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX ( Case No. XXXX ) in XX/XX/year>, specifically citing systemic failures in XXXX dispute investigation process, including : - Conducting sham investigations- Failing to perform reasonable reinvestigations- Re-inserting inaccurate data without consumer notice I believe my current dispute has been mishandled in a manner consistent with these allegations. Therefore, I formally request a manual reinvestigation and full deletion of the account from my credit file pursuant to : - FCRA 611 ( 15 U.S.C. 1681i ) - FCRA 623 ( 15 U.S.C. 1681s-2 ) - CFPB enforcement authority Request for Resolution I demand that you : 1. Delete the XXXX XXXX XXXX XXXXXXXX XXXX XXXX account from my credit report, as it is unverifiable and inaccurately reported. 2. Provide me with a written statement of the results of this investigation. 3. If you reinsert the item at any point, notify me in writing within 5 business days, as required under FCRA 611 ( a ) ( 5 ) ( B ).

Please complete this investigation within the 30-day statutory timeframe. If this dispute is not resolved appropriately, I am prepared to escalate this issue with the CFPB and Attorney Generals office for further enforcement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Account XXXX XXXX XXXXXXXX Creditor : XXXX XXXX : $ XXXX : XXXX XXXX XXXX, XXXX, DE XXXX RE : URGENT DEBT DISPUTE & DEMAND FOR IMMEDIATE CEASE AND DESIST I am writing to dispute this debt in full and demand strict compliance with the FDCPA and FCRA. You must immediately provide : Original XXXX XXXX agreement bearing my signature.

A full and itemized accounting of the claimed debt.

Legal documentation that authorizes you to report this to credit bureaus.

Licensing documentation for Georgia.

Under 15 U.S.C. 1692c ( c ), I demand that all communication cease immediately. Only written validation may be sent. You are not authorized to contact me by phone, text, or email.

Any failure to respond or any continuation of collection activities will result in swift regulatory escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Complaint Regarding Unlicensed Debt Collector and Inaccurate Credit Reporting Debt Collector Name : Credit Collection Services Account Number XXXX Original Creditor XXXX I am writing to file a formal complaint against Credit Collection Services for engaging in debt collection activities, including furnishing information to consumer reporting agencies, despite being unlicensed to conduct such business in my state of residence, Alabama. 

Credit Collection Services has been attempting to collect an alleged debt from me, referenced by the account number XXXX. My research indicates that Credit Collection Services is not licensed to collect debts in the State of Alabama, which is a regulatory requirement for debt collection agencies operating within this jurisdiction. 

Despite this apparent lack of proper licensing, Credit Collection Services has furnished information regarding this alleged debt to my credit report. This action, by an entity not legally authorized to operate as a debt collector in my state, constitutes inaccurate and potentially unlawful reporting under the Fair Credit Reporting Act ( FCRA ). 

I have never received any correspondence from Credit Collection Services saying they were attempting to collect a debt, or any letters showing how any debt was owed. 

The presence of this information on my credit report, furnished by an unlicensed entity, is negatively impacting my credit standing and financial well-being. 

I respectfully request that the CFPB investigate Credit Collection Services ' debt collection practices, particularly their operation without the required licensing in Alabama and their furnishing of information to consumer reporting agencies under these circumstances. I urge the CFPB to take appropriate enforcement action to ensure that Credit Collection Services ceases all unlicensed collection activities and removes this inaccurate information from my credit report. 

Please see the attached files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
The personal details on my credit report contain errors, particularly with old or incorrect addresses that need to be taken off immediately. Ive included the appropriate documentation to support these changes, and I am requesting that these be removed from my credit profile 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 explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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 2025-07-28 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: NV

Complaint narrative:
I am an XXXX XXXX military member protected under the XXXX XXXX XXXX XXXX ( XXXX ). I voluntarily surrendered my vehicle to Westlake Financial during a period of XXXX XXXX service due to financial hardship. 

Under 50 U.S.C. Section 3952, creditors must obtain a court order before repossessing property or enforcing obligations incurred prior to military service- even in cases of voluntary surrender. I have never received notice of any court order.

Westlake Financial reported the account as " charged-off '' to credit bureaus, despite this legal requirement. I formally disputed the account, citing my SCRA protections, and requested documentation of a court order. They responded claiming the reporting was accurate, but failed to address the SCRA violation or provide any court documentation. 

I am requesting that this matter be reviewed and that Westlake Financial be held accountable for improper credit reporting and potential violation of federal law.

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 2025-07-28 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation