vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: MI

Complaint narrative:
I filed a dispute with Trans Union for the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX. I filed the dispute on XX/XX/year>, and it is now XX/XX/year>. The investigation is still ongoing. When I called out on XX/XX/year>, they informed me that they were just finishing up their investigation and that it should not take much longer. When I filed my previous claim, they informed me that they couldnt locate my credit report. However, upon my subsequent call and request for the report, they promptly sent it to me without any issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT Subject : DEMAND FOR IMMEDIATE DELETION OF UNLAWFUL LATE PAYMENT REPORTING To Whom it May Concern : This letter serves as a formal demand for the immediate adjustment of a falsely reported late payment on my credit report. Your reporting of this late payment violates multiple federal laws. Including but not limited to 15 U.S.C. 1666b, 15 U.S.C 1637B, and 15 U.S.C 1681s-2 ( a ) ( 7 ) and 15 U.S.C 1681. If this inaccurate and unlawful information is not adjusted immediately or Removed, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commision ( FTC ), and my state 's Attorney General Furthermore, I am prepared to pursue legal action for willful non-compliance under the Fair Credit Reporting Act ( FCRA ), which allows me to seek damages for your failure to adhere to federal regulations. YOU ARE IN DIRECT VIOLATION OF FEDERAL LAW FOR THE FOLLOWING RESONS : 1 ). Violation of 15 U.S.C 1666B ( a ) - Lack of Reasonable Billing Procedures It is required by law that the creditor implements reasonable procedures to ensure billing statements are sent timely and correctly. If these procedures were not followed, then the late payment resulting from this failure is invalid and must be removed immediately. 2 ). Violation of 15 U.S.C 1637b -Requires creditors to send a periodic statement as required by this section- It is required by the creditor to mail or deliver to the consumer not later than 21 days before the payment due date it is a violation if the creditor fails to provide the required statement or if the statement is inaccurate and that invalid and must be removed immediately. 3 ). Violation of 15 U.S.C 1681s-2 ( a ) ( 7 ) This section states a person who furnishes information to a consumer reporting agency regarding a consumer may not furnish that person knows or has a reasonable to believe is accurate this is a violation for not getting my consent to furnish any inaccurate or accurate information on my consumer report this is a clear violation and i want this removed from my consumer report immediately. XXXX XXXX XXXX XXXX # XXXX 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 non-monetary relief
Consumer complaint received 2025-09-12 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:
We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT Subject : DEMAND FOR IMMEDIATE DELETION OF UNLAWFUL LATE PAYMENT REPORTING To Whom it May Concern : This letter serves as a formal demand for the immediate adjustment of a falsely reported late payment on my credit report. Your reporting of this late payment violates multiple federal laws. Including but not limited to 15 U.S.C. 1666b, 15 U.S.C 1637B, and 15 U.S.C 1681s-2 ( a ) ( 7 ) and 15 U.S.C 1681. If this inaccurate and unlawful information is not adjusted immediately or Removed, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commision ( FTC ), and my state 's Attorney General Furthermore, I am prepared to pursue legal action for willful non-compliance under the Fair Credit Reporting Act ( FCRA ), which allows me to seek damages for your failure to adhere to federal regulations. YOU ARE IN DIRECT VIOLATION OF FEDERAL LAW FOR THE FOLLOWING RESONS : 1 ). Violation of 15 U.S.C 1666B ( a ) - Lack of Reasonable Billing Procedures It is required by law that the creditor implements reasonable procedures to ensure billing statements are sent timely and correctly. If these procedures were not followed, then the late payment resulting from this failure is invalid and must be removed immediately. 2 ). Violation of 15 U.S.C 1637b -Requires creditors to send a periodic statement as required by this section- It is required by the creditor to mail or deliver to the consumer not later than 21 days before the payment due date it is a violation if the creditor fails to provide the required statement or if the statement is inaccurate and that invalid and must be removed immediately. 3 ). Violation of 15 U.S.C 1681s-2 ( a ) ( 7 ) This section states a person who furnishes information to a consumer reporting agency regarding a consumer may not furnish that person knows or has a reasonable to believe is accurate this is a violation for not getting my consent to furnish any inaccurate or accurate information on my consumer report this is a clear violation and i want this removed from my consumer report immediately. XXXX XXXX XXXX XXXX # XXXX 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 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Ive been using Cash App for a long time but but not until last month my card started doing double transactions. The first time on a dispute I used my card at a restaurant and with having XXXX on it and used XXXX of it and it went through. It left me with XXXX so I wake up next day XXXX in the negative for no reason. I call Cash app to report it and they tell me the merchant charged me twice. I also call the merchant and they dont even see another transaction which I already felt it wasnt anyway. After this XXXX dispute it happened XXXX more times and Cash app representatives all tell me that the merchants are charging me twice. Its no way that thats happening. Cash app been taking my money and just did now after someone sent me {$50.00} but in implements so the XXXX one went into my negative balance of XXXX which I already had disputed with them because I was never supposed to be in the negative. So I told them that they owe me {$50.00} especially when the XXXX was never supposed to be there. The dispute was supposed to clear this coming Sunday they said for XXXX so that means if they took my other XXXX they owe me {$50.00} and they are trying to make me wait for money their are taking.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
Aldous & Associates has called numerous times from multiple numbers ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ), etc. and has sent multiple emails with no credibility to the said debt that they are collecting. I called the company today ( XX/XX/year> ) and they did not have an accurate address on file. When I requested a copy of the report, the first individual simply spoke off a script with no intent to assist. When transferred to the " manager '' named " XXXX XXXX '', the representative got very irate and frustrated when I requested a copy of the debt that they claimed I had. The representative stated that it was not his fault that I did not believe him. I requested to speak with someone else, and he stated, " there is no one else ''. I still have not received any notification stating that this is a real debt and I am hesitant to pay as this interaction seemed to resemble a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$52.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-12 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unl
ess ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: GA

Complaint narrative:
I disputed payments from fraudulent online XXXX  and they had taken several XXXXXXXX XXXX XXXX from me and locked me out of account. Which my bank should have my back I filed a dispute and they not only made me wait months for a resolution but they keep denying my disputes even though it's obvious I have been scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates , LLC is attempting to collect on a debt that I have repeatedly requested the original signed contract for. At this time, I request that the company provide proper documentation that proves : The amount of the alleged debt ; The name of the original creditor ; That you are authorized to collect on this account ; A complete payment history, including all fees and interest ; Verification that the statute of limitations on this debt has not expired.

Please note that until you provide the requested validation, you must cease all collection activity, including reporting this debt to the credit bureaus. If you have already reported it, you must notify them to remove it until proper validation is provided. 

Be advised that I am keeping records of all correspondence related to this matter and have already reported violations. 

I request that all future communication be made in writing only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
I am filing this complaint against [ XXXX XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
On XXXX XXXX, I submitted a written dispute regarding several charge-off accounts that are being inaccurately reported on my credit file. Specifically, these accounts are listed as charge-offs while also showing ongoing past due balances, which is a violation of Metro 2 reporting standards and constitutes duplicate derogatory reporting. 
The accounts in question are : XXXX. XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$15000.00} XXXX. XXXX XXXX {$15000.00} XXXX. XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX. XXXX XXXX XXXX {$4700.00} I also sent a XXXX follow-up letter on XXXX XXXX, but the bureaus have failed to either correct or delete these accounts as required by law. 
I am requesting that the CFPB intervene and compel the credit bureaus to : Delete these inaccurate accounts from 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 2025-09-12 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: MO

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-09-12 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 am writing to dispute these accounts, which I believe to be fraudulent. I kindly request your help in removing them from my report. Supporting proof has been enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: VA

Complaint narrative:
TransUnion continues to report a derogatory collection account from XXXX XXXX XXXX, Account ending in XXXX, in a manner that is incomplete, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ). This alleged debt is listed with a balance of {$2100.00}, opened XX/XX/XXXX, and reported with an estimated removal date of XX/XX/XXXX. However, the account shows an original delinquency date of XXXX, making it more than XXXX XXXX XXXX potentially beyond the XXXX reporting window allowed by law, depending on the actual charge-off or first delinquency date. 

I have disputed this account multiple times with TransUnion and have not received proper verification as required under FCRA Section 611 ( 15 U.S. Code 1681i ). The account is coded as a " Factoring Company Account '' and labeled >Collection<, but no actual documentation has been provided to substantiate the debt, verify ownership, validate the amount, or confirm its legal collectibility.

The credit report also shows " Account information disputed by consumer ( FCRA ) '', but TransUnion continues to update the account monthly ( last updated XX/XX/XXXX ) without resolving my dispute or removing the account. This is a direct failure to perform a reasonable investigation and creates ongoing harm to my creditworthiness. 

I believe this tradeline is either unverified, re-aged, or obsolete, and its continued reporting is both misleading and unfair under the FCRA.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to reque

st pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 a
s well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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 wish to highlight that these accounts were opened without my consent, indicating potential fraud. I request a comprehensive investigation into these accounts and their immediate removal from my credit report. Enclosed are documents supporting my claims. I appreciate your swift attention to this issue.

Company response to consumer: Closed with non-monetary relief