vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: PA

Complaint narrative:
XXXX XXXXXXXX XXXX Subject : Request for Debt Validation Account # XXXX To Whom It May Concern, I am writing in response to a notice I received regarding an alleged debt associated with the above-referenced account number. Please be advised that this letter serves as a formal request for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

As per my rights under federal law, I request the following : Validation of the debt, including a detailed breakdown of the amount claimed. 
The name and address of the original creditor. 
Proof that I am legally obligated to pay the debt, including any relevant contract or agreement bearing my signature. 
A copy of your license to collect debt in my state, if applicable. 
Until this information is provided, I am requesting that all collection activity, including reporting to credit bureaus, be ceased immediately as this matter is under dispute. 

Please respond to this request within 30 days of receipt, in writing, to the address listed above. Be advised that any attempt to collect on a debt that has not been properly validated is a violation of the FDCPA. 

Thank you for your cooperation. 

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 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLAND CREDIT MANAGEMENT INC has been told I do not owe them anything and specifically been told to cease & desist upon the first call and so many there after I have forgotten the total number of calls, but, as of today, XX/XX/XXXX there has been over 23 harassing calls since on XX/XX/XXXX for the amount of {$550.00}. they have illegally threatened to sue me over the phone or garish my wages and or ruin my credit rating for all of this time and lastly reported this false information to XXXX XXXX XXXX XXXX recent as XX/XX/XXXX. They have never provided any proof of this debt specifically owed to them by supposedly myself during this entire time or every time I've have interacted with one of their abusive collection agents by phone. Lastly, I'm tired of their abusive and I'm asking the CFPB to finally protect me and my credit as they have damaged both during their constant abusive threatening calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-05-28 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: U.S. BANCORP
State: VA

Complaint narrative:
U.S BANK Claim No. : XXXX I had my wallet pickpocketed in downtown XXXX on XX/XX/XXXX while on a trip to XXXX. 
Two U.S Bank credit cards, {$100.00} in cash, a XXXX XXXX and a driver 's license were in my wallet. 
I locked XXXX credit cards right away and called the XXXX XXXX in XXXX to ask for help, and I went to the police station to report it a few hours later. 

I belatedly found out that someone used the stolen card. I tried to dispute for {$160.00} but there was an unknown error, so I did dispute on XX/XX/XXXX after I got back home. 

The pickpocket made XXXX transactions as below, but XXXX case was refunded. So, I disputed only XXXX case. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$140.00} -> refund U.S Bank gave me credit right away on XX/XX/XXXX, but it was reversed on XX/XX/XXXX. I uploaded the proof of document on XX/XX/XXXX and called them on XX/XX/XXXX to ask why it's reversed. The representative said that it was confirmed that the amount was used at the store. When I complained, he told me that U.S. Bank would call back to me within XXXX hours. 

I didn't get a call from the bank, and I called them back on XX/XX/XXXX. 
I asked how the claim was going and if he had seen the additional documents I uploaded, and he said they would give a payback. The call was cut off during the call. 

On XX/XX/XXXX, I called the bank again to ask about the progress of the claim. The representative said that the case was closed. I told her that my card was stolen, that I had never been to the store, and that I had never used it there. She said the bank would give me a call within XXXX hours. 

I haven't received any calls from the bank yet. 

The proof of document I uploaded is an email I communicated with the Icelandic police. The details are in the attachment, and it can prove that my card was stolen and not used by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I received 2 more emails saying I owe a debit with PayPal to call XXXX XXXX at XXXX this is exactly the same as the first scam they got me for XXXX. The 2nd today again from PayPal is from XXXX XXXX saying I owe for a bit coin purchase I need to call immediately to resolve the number to that one is XXXX I owe XXXX dollars these are the same people I want them caught.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: TN

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question :XX/XX/XXXX Balance Owed : {$360.00} XX/XX/XXXX Balance Owed : {$470.00} XXXX XXXX * Balance Owed : {$130.00} XXXXXX/XX/XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: TN

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question :XX/XX/XXXX Balance Owed : {$360.00} XX/XX/XXXX Balance Owed : {$470.00} XXXX XXXX * Balance Owed : {$130.00} XXXXXX/XX/XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

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 non-monetary relief
Consumer complaint received 2025-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XX/XX/year> original balance {$41000.00} I am writing to formally dispute inaccurate information that appears on my credit report, as provided by your agency. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 1 ), which requires your agency to conduct a reasonable reinvestigation of disputed items, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which obligates you to provide me with a written description of the procedure used to determine the accuracy and completeness of the information after a reinvestigation, and 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which governs the reinsertion of previously deleted information.

Please conduct a thorough and timely reinvestigation of the listed item ( s ), and remove or correct any information that is found to be inaccurate, incomplete, or unverifiable. In accordance with the law, I request that : 1. You complete the reinvestigation within 30 days as mandated by 15 U.S.C. 1681i ( a ) ( 1 ).

2. You provide me with written results of your reinvestigation, including a statement of the procedure used to verify the information, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

3. If the disputed item is deleted but later reinserted, I request that you : Notify me in writing within 5 business days as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), and Certify the accuracy of the reinserted information as per the same statute.

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 2025-05-28 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: MI

Complaint narrative:
XXXX XXXX XX/XX/year> original balance {$41000.00} I am writing to formally dispute inaccurate information that appears on my credit report, as provided by your agency. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 1 ), which requires your agency to conduct a reasonable reinvestigation of disputed items, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which obligates you to provide me with a written description of the procedure used to determine the accuracy and completeness of the information after a reinvestigation, and 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which governs the reinsertion of previously deleted information.

Please conduct a thorough and timely reinvestigation of the listed item ( s ), and remove or correct any information that is found to be inaccurate, incomplete, or unverifiable. In accordance with the law, I request that : 1. You complete the reinvestigation within 30 days as mandated by 15 U.S.C. 1681i ( a ) ( 1 ).

2. You provide me with written results of your reinvestigation, including a statement of the procedure used to verify the information, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

3. If the disputed item is deleted but later reinserted, I request that you : Notify me in writing within 5 business days as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), and Certify the accuracy of the reinserted information as per the same statute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint to dispute the accuracy of a late payment reported by Equifax on my closed account with XXXX  XXXX. This payment is being reported as late after the account was already paid and closed, which is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 reporting guidelines. The most concerning issue is the inconsistency across credit bureaus. XXXX  has already removed this late payment after my factual dispute, recognizing the inaccuracy of reporting a late payment on a closed and satisfied account. However, Equifax continues to report this derogatory mark, despite receiving the same evidence. This inconsistency in reporting is misleading and negatively affects my credit profile and score. According to Metro 2 Format, once an account is closed and paid in full, Field XXXX ( Payment History Profile ) should no longer reflect delinquency, and Field XXXX ( Account Status ) must correctly reflect that the account is closed with XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
I am formally requesting the removal of inaccurate, unverifiable, and/or outdated accounts currently being reported on my credit file. These accounts are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, which requires that all information reported to consumer reporting agencies be accurate, complete, and verifiable.

Despite my good faith efforts to dispute these accounts directly with the credit reporting agencies and/or furnishers, they have failed to provide proper validation or correct the information. Under the FCRA, if an account can not be verified, it must be removed from the credit report.

Additionally, this situation may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) if any of the accounts are being pursued by debt collectors engaging in misleading, harassing, or unlawful conduct. 

These reporting errors are causing ongoing harm to my financial standing, limiting my access to credit, and creating undue stress. I am requesting the CFPB investigate this matter thoroughly and apply the appropriate regulatory pressure to ensure compliance. 

If this issue is not resolved promptly and in accordance with federal law, I am fully prepared to pursue legal action against the entities involved, including but not limited to claims under the FCRA, FDCPA, and any applicable state consumer protection laws. I will also seek damages for any financial and emotional harm caused. 

I expect these unverifiable or inaccurate accounts to be permanently removed from my credit report immediately. Please treat this complaint with the urgency and seriousness it deserves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
I am formally requesting the removal of inaccurate, unverifiable, and/or outdated accounts currently being reported on my credit file. These accounts are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, which requires that all information reported to consumer reporting agencies be accurate, complete, and verifiable.

Despite my good faith efforts to dispute these accounts directly with the credit reporting agencies and/or furnishers, they have failed to provide proper validation or correct the information. Under the FCRA, if an account can not be verified, it must be removed from the credit report. 

Additionally, this situation may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) if any of the accounts are being pursued by debt collectors engaging in misleading, harassing, or unlawful conduct. 

These reporting errors are causing ongoing harm to my financial standing, limiting my access to credit, and creating undue stress. I am requesting the CFPB investigate this matter thoroughly and apply the appropriate regulatory pressure to ensure compliance. 

If this issue is not resolved promptly and in accordance with federal law, I am fully prepared to pursue legal action against the entities involved, including but not limited to claims under the FCRA, FDCPA, and any applicable state consumer protection laws. I will also seek damages for any financial and emotional harm caused. 

I expect these unverifiable or inaccurate accounts to be permanently removed from my credit report immediately. Please treat this complaint with the urgency and seriousness it deserves.

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 2025-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Over the past 120 days, I have submitted several disputes to Experianboth online and by mailregarding nine XXXX accounts listed on my credit report. In the first two disputes, Experian responded within a week stating that the accounts were verified and would not be removed. Following those responses, I requested supporting documentation showing how the accounts were verified.

Despite this request, more than 30 days passed without any response or documentation from Experian, in violation of the Fair Credit Reporting Act ( FCRA ). When I reviewed my credit report, the disputed XXXX accounts remained unchanged. I then mailed another written dispute explicitly requesting verification documents. In response, Experian again stated that the accounts were verified but indicated that documentation could only be obtained directly from the creditor, referring me to contact XXXX. 

I attempted to follow up, but was unsuccessful in obtaining verification from XXXX. As a result, I mailed yet another letter to Experian citing their obligations under the FCRA to either provide documentation supporting the accuracy of the accounts or remove them from my report. To date, I have not received any response or resolution. 

Experians failure to properly investigate, provide verification, or respond within the timeframe required by law constitutes noncompliance with the FCRA, and I am now seeking formal resolution. 

Additionally, my name is listed as XXXX XXXX, even though my name is 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 explanation
Consumer complaint received 2025-05-28 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: MN

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report. Supporting documents are enclosed to substantiate my claim.

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