vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: TX

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 on my XXXX XXXX  account [ XXXX ]. 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 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 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX RE : Request for Debt Validation under the FDCPA Account Balance : {$500.00} Date Opened : XX/XX/year> Account Status : Open Collection Account Responsibility : Individual Account To Whom It May Concern, I am writing in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to request validation of an alleged debt currently being reported by your agency on my credit report.

The debt listed reflects a balance of {$500.00}, but no information regarding the original creditor, type of debt, or supporting documentation has been provided.

Please provide the following documentation to validate this debt : 1. The name and address of the original creditor.

2. A copy of the original agreement or contract showing that I am legally obligated to pay this debt.

3. An itemized breakdown of the amount claimed, including principal, interest, fees, or other charges.

4. Documentation that shows Portfolio Recovery Associates has the legal right to collect this debt.

5. The date and nature of the original transaction that led to this debt.

Until this debt is fully validated, I am disputing its accuracy and request that you cease all collection efforts, including any credit reporting activity, as required under federal law.

If you can not provide adequate validation, I respectfully request that this account be removed from my credit reports and that no further attempts to collect be made. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Im filing this complaint against Equifax, there is over XXXX inquiries on my credit report I did not give permission for anyone to pull my credit, I did not authorize anyone to pull my credit report I want these inquiries removed off my credit report, I have screen shots of these inquiries thats I am sending, I want these removed, and sending a police report with these inquiries, I didnt give anyone permission, and Equifax has had a massive data breach and my information has been put out these because of this data breach simple fix take these credit inquiries off my credit report and fix it thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY 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
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Michael Wayne Investment
State: VA

Complaint narrative:
I am submitting this complaint regarding a fraudulent and misleading account being reported on my credit file by a company named Michael Wayne Invest. The account was allegedly opened on XX/XX/year>, and is now marked as a charge-off. However, I have never authorized or signed for this account, and it contains multiple discrepancies : The highest balance is listed as {$0.00}, which contradicts the nature of a charge-off. 

There is no monthly payment structure, and only 8 % of payments are marked as on-time. 

My last payment was reported as XX/XX/year>, after which there has been no valid activity or supporting documentation. 

The company has not provided any tax form ( e.g., 1099-C ) required for reporting canceled debt. 

I have requested validation of this account, including a signed agreement, payment records, and proof of identity verification, but have received no response. 

This inaccurate reporting has significantly damaged my credit, making it difficult to obtain reliable transportation and credit opportunities. I am requesting that the CFPB investigate this matter, ensure compliance with the Fair Credit Reporting Act ( FCRA ), and compel the data furnisher to provide proof or remove the account from my credit file.

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 2025-05-27 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: DC

Complaint narrative:
I am filing this formal complaint against the three major credit reporting agencies : Experian, Equifax, and TransUnion, for reporting negative information on my credit reports that has not been verified in accordance with the law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, consumers have the right to dispute inaccurate or unverifiable information on their credit reports, and the credit bureaus are legally obligated to investigate and verify the accuracy of the disputed items within 30 days. 

I have reviewed my credit reports and found multiple negative entries related to alleged debts that I do not recognize and that have not been verified despite previous disputes. These items continue to appear on my reports, causing ongoing harm to my creditworthiness and financial reputation. 

The bureaus failure to properly investigate and remove these unverifiable accounts violates my rights under the FCRA. Specifically, their actions appear to be in breach of : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy of consumer information.

15 U.S.C. 1681c Reporting outdated or otherwise prohibited information.

I am requesting that the CFPB investigate this matter and require Experian, Equifax, and TransUnion to : 1. Provide documented proof of verification for each disputed debt, including the original creditor and documentation bearing my signature ; or 2. Remove all unverified and inaccurate negative accounts from my credit reports in compliance with the FCRA. 

Thank you for your attention to this matter. I am seeking a fair resolution to restore the accuracy and integrity of my 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 explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-27 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: LA

Complaint narrative:
b'The following debt XXXX XXXX  credit card XXXX  must be removed as per federal law since itis related to the consumer financial protection bureau (cfpb) regulations v,senate bill 5480'

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Equifax is reporting an account from XXXX XXXX XXXXXXXX ( Account Number : XXXX ) that I previously blocked due to identity theft under 15 U.S.C. 1681c-2. I provided an identity theft report via the FTC XXXX and supporting documents. This account was successfully removed but has now been reinserted without the legally required notice, which violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

In addition, I sent a certified dispute letter over 30 days ago and have not received any response or proper reinvestigation under 1681i ( a ) ( 1 ) ( A ).

Equifax is in violation of the Fair Credit Reporting Act. I am requesting the immediate and permanent deletion of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding Defamation and Lack of Support from Cash App Dear Consumer Affairs Representative, My name is XXXX XXXX, and I am writing to formally report a serious issue I experienced with Cash App on XXXX, XX/XX/year>. 

On that day, a friend of mine, XXXX, attempted to send me money through Cash App. However, before completing the transaction, a warning message appeared on his screen stating : " This might be a scam. Customers have reported issues not receiving goods, services, or refunds when paying this account or accounts like this. Make sure you're sending to someone you know and trust. If you choose to continue with this payment, Cash App will not refund you. '' This message strongly implies that my account is associated with fraudulent or suspicious activity. I was never informed of any investigation or given an opportunity to dispute or correct any supposed issue. I am extremely concerned that my account has been unfairly flagged, which could lead to serious reputational harm. If this message is being shown to other users attempting to send me money, it is effectively defaming my character and falsely labeling me as a scammer without due process or justification. 

I contacted Cash App support immediately to address the matter. Unfortunately, the representative I spoke with showed little concern, repeatedly placing me on hold while claiming to be consulting with a manager. Eventually, I agreed to relay my concerns directly to the representative, who requested a screenshot of the warning message. I provided it promptly. Since then, I have received no updates, follow-up communication, or resolution from Cash App. 

I believe this situation constitutes defamation and negligence on the part of Cash App. The lack of transparency, accountability, and response is unacceptable. I am requesting that this matter be formally investigated and that I receive a written explanation and resolution from Cash App regarding why this message is appearing, how it was triggered, and what steps will be taken to correct this error. Also to add in there, i do not have access to certain parts of my cashapp, all of a sudden. coincidence? 

Please confirm receipt of this complaint and advise me on any additional information you require. I am prepared to escalate this issue further if necessary. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am submitting this complaint regarding a debt relief program failure that resulted in unfair credit reporting by XXXX XXXX. I was enrolled with [ XXXX XXXX XXXX XXXX ] and had a valid, active settlement agreement for my XXXX XXXX account. 
Due to a confirmed administrative error, my program was canceled without my consent. During that time, XXXX XXXX reported the account as charged off. The company later reinstated the program, but refused or was unable to honor the original settlement offer. I was left with a derogatory credit mark and no ability to resolve the debt as originally XXXX has caused significant financial and reputational harm, through no fault of my own. I believe this situation constitutes : Situation constitutes : A violation of the Credit Repair Organizations Act ( CROA, 15 U.S.C. 1679b ) by the debt relief company, for failing to provide services fairly and transparently. 
A violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) by XXXX XXXX XXXX for furnishing misleading and harmful credit information that fails to reflect the true context of the charge-off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: MS

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX  report from XX/XX/XXXX : Upon reviewing my consumer reports, I discovered some instances of Late Payments on an account for which I have XXXX maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting information. It is imperative that this information be reported with the utmost accordance. I have never missed a late payment on the following account : XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I request a thorough investigation into these discrepancies and urge you to provide evidence such as statements from XXXX showing that the late payments were my fault. I want to note XXXX  XXXX XXXX XXXX failed and thus the account was late for XXXX months. XXXX can not prove that the autopayment system DID NOT fail. If unable to furnish such proof that the autopayment system did not fail, I demand that these payments be promptly updated to reflect their true status as On-Time, as I have consistently upheld my payment obligations without delay. 

This account is incorrectly reporting that I have XXXX late payments. On my XXXX  report there are XXXX late payments being reported, however, on my Transunion Experian reports it is showing XXXX  months of late payments. Additionally, the auto payment feature I utilized did not work properly and I was never given notification of such issue or of late payment status. 

In light of the CFPB lawsuit filed against Experian on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail. 

I personally signed and sent this letter. 
Sincerely, 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 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MO

Complaint narrative:
This letter serves as a final formal demand regarding the unresolved dispute of transactions on my account. Despite Discovers assertions that multiple investigations been conducted, your responses continue to lack the transparency and evidence by Regulation XXXX ( XXXX CFR XXXX ). 



Under federal law, Discover Bank is obligated to conduct a reasonable investigation provide the consumer with the results of such an investigation, including all documentation relied upon in making your determination. To date, no such documentation has provided despite multiple requests. 



You are hereby required to produce the following within XXXX business days : - Internal investigative records used to deem the XXXX transactions valid - Transaction authorization logs, including geolocation, device data, and PIN metadata - Copies of merchant responses and documentation previously referenced - Records of all provisional credits, reversals, and internal communications regarding case Your continued refusal to produce evidence may be interpreted as a violation of Electronic Fund Transfer Act and grounds for legal action, including damages for loss and regulatory noncompliance. 



This matter is not closed. Until full compliance is met, this dispute remains active Legal assistance and legal proceedings have begun.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief