vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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:
In accordance with the Fair Creat Reporting act XXXX XXXX XXXX  Account number XXXX has violated my rights I 15 US C 1681 section 602 A States I have the right to privacy 15 U.S C 1681 Section 604 A Section 2. it atso states a consumer reporting agency can not furnish a account without my wrten instructions

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 2025-06-08 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:
In accordance with the Fair Creat Reporting act XXXX XXXX XXXX  Account number XXXX has violated my rights I 15 US C 1681 section 602 A States I have the right to privacy 15 U.S C 1681 Section 604 A Section 2. it atso states a consumer reporting agency can not furnish a account without my wrten instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: CA

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. These remarks have been detrimental to my life and credit health.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
I am requesting the removal of an inaccurately reported bankruptcy from my credit file. The bankruptcy in question was voluntarily dismissed and never adjudicatedmeaning no discharge, repayment plan, or determination of liability ever occurred. Despite this, the credit bureaus ( XXXX XXXX XXXX ) and LexisNexis continue to report it as a derogatory public record, relying solely on PACERs case listing without context. 

This violates the Fair Credit Reporting Act ( FCRA ) on several fronts : FCRA 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Reporting a dismissed, non-adjudicated bankruptcy implies I was found insolvent or received debt relief, which is factually incorrect and misleading. 

FCRA 1681i ( a ) ( 1 ) ( A ) Upon dispute, furnishers must conduct a reasonable reinvestigation. In my case, the disputes were dismissed with a boilerplate response referencing PACER but failed to assess the actual disposition and legal significance of the case ( i.e., that it was dismissed without adjudication ). 

FCRA 1681c ( a ) ( 1 ) Even if reportable, a dismissed bankruptcy must fall within a 10-year window from the date of dismissal, not the filing date. Further, the context of the dismissal matters for accuracy and fairness. 

CFPB Bulletin XXXX Reinforces that CRAs must not blindly rely on third-party data ( e.g., PACER ) without verifying accuracy and completeness. 

This reporting has negatively affected my credit score and ability to obtain credit, misrepresenting my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
Subject : URGENT Request for Removal of Inaccurate, XXXX XXXX XXXX XXXX FCRA 611 Compliance Required ________________________________________ Dear XXXX XXXX XXXX, This is a formal dispute letter under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611. I am requesting a complete reinvestigation into multiple entries currently appearing on my consumer credit file.

These accounts reflect negative, outdated, or entirely unverifiable data. As such, they are in violation of my rights under federal law. I am formally requesting a full review and removal of any account that fails to meet the following legal standards : Complete and 100 % accurate Backed by original signed documentation from the furnishing party Not obsolete or past the legal XXXX reporting window Reported without errors in balance, dates, or payment status Not affected by identity theft or mistaken reporting ________________________________________ The Following Entries Are In Dispute ( Examples ) : ( Note : Replace these with actual accounts if known or leave blank if you want them to investigate all negatives ) Collection Account from [ Debt Collector Name ] Charged-off Account from [ Original Creditor ] Late payments reported by [ Bank/Lender Name ] Duplicate or outdated public records ________________________________________ Legal Notice : Pursuant to FCRA 611 ( a ), you must : 1. Complete a reasonable reinvestigation of all disputed items within 30 days of receipt of this request.

2. Provide documentation proving the accuracy and validity of each entry, sourced from the original creditor or data furnisher.

3. Delete or correct any item that is found to be incomplete, inaccurate, or unverifiable under the law.

________________________________________ Enclosures for Identity Verification : Copy of my government-issued ID ( Drivers License ) Copy of recent utility bill ( proof of address ) Copy of credit report with disputed items highlighted ( optional ) ________________________________________ This letter is not generic. It is a direct legal challenge. I am aware of my rights and expect your agency to adhere to all federal consumer protections. Any item that can not be validated with actual documents must be immediately removed from my report under FCRA. 
Please confirm receipt of this dispute, and provide written results of your investigation within the legal timeframe. I reserve all rights under state and federal consumer laws. 
Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
Subject : URGENT Request for Removal of Inaccurate, XXXX XXXX XXXX XXXX FCRA 611 Compliance Required ________________________________________ Dear XXXX XXXX XXXX, This is a formal dispute letter under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611. I am requesting a complete reinvestigation into multiple entries currently appearing on my consumer credit file.

These accounts reflect negative, outdated, or entirely unverifiable data. As such, they are in violation of my rights under federal law. I am formally requesting a full review and removal of any account that fails to meet the following legal standards : Complete and 100 % accurate Backed by original signed documentation from the furnishing party Not obsolete or past the legal XXXX reporting window Reported without errors in balance, dates, or payment status Not affected by identity theft or mistaken reporting ________________________________________ The Following Entries Are In Dispute ( Examples ) : ( Note : Replace these with actual accounts if known or leave blank if you want them to investigate all negatives ) Collection Account from [ Debt Collector Name ] Charged-off Account from [ Original Creditor ] Late payments reported by [ Bank/Lender Name ] Duplicate or outdated public records ________________________________________ Legal Notice : Pursuant to FCRA 611 ( a ), you must : 1. Complete a reasonable reinvestigation of all disputed items within 30 days of receipt of this request.

2. Provide documentation proving the accuracy and validity of each entry, sourced from the original creditor or data furnisher.

3. Delete or correct any item that is found to be incomplete, inaccurate, or unverifiable under the law.

________________________________________ Enclosures for Identity Verification : Copy of my government-issued ID ( Drivers License ) Copy of recent utility bill ( proof of address ) Copy of credit report with disputed items highlighted ( optional ) ________________________________________ This letter is not generic. It is a direct legal challenge. I am aware of my rights and expect your agency to adhere to all federal consumer protections. Any item that can not be validated with actual documents must be immediately removed from my report under FCRA. 
Please confirm receipt of this dispute, and provide written results of your investigation within the legal timeframe. I reserve all rights under state and federal consumer laws. 
Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information thats on my credit report. I disputed multiple times with credit bureaus And its coming back as updated and verified without a proper investigation. The company failed to send me any of the information i requested even with my other complaint they never sent verification of debt, the original contract bearing my signature, Nor the explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-09 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-08 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:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$7400.00} XXXX  # XXXX XX/XX/XXXX -- {$13000.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$1300.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$350.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$120.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-08 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 am a victim of identity theft. An unauthorized XXXX XXXX credit card account was fraudulently opened in my name without my knowledge or consent. I discovered this account only recently when I checked my credit reports. 

I followed proper procedures under the FCRA and submitted a formal dispute to Equifax, along with the following documents : FTC Identity Theft Report and affidavit A 605B Block Request My government-issued ID and proof of address A Method of Verification ( MOV ) letter under FCRA 611 Despite submitting all required documentation, Equifax continues to report the account as verified, without providing : A signed wet-ink contract proving I opened this account A proper method of verification under FCRA 611 ( a ) ( 7 ) Any evidence of contacting law enforcement or investigating the FTC affidavit XXXX other fraudulent accounts were deleted, yet this XXXX account ( XXXX XXXX ending in XXXX XXXX remains on my credit report, harming my credit score and financial standing. I have asked Equifax multiple times to provide the source, contact details, and verification steps taken no detailed or meaningful response has been provided. 

Equifaxs repeated failure to conduct a reasonable and independent reinvestigation violates the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681i, 1681s-2 ( b ), and 1681c-2. They are relying solely on the furnisher 's ( XXXX XXXX ) response without verifying original evidence. 

I am requesting that the CFPB compel Equifax to : Provide the method and source of verification Remove the unauthorized account if no signed agreement exists Confirm in writing the action taken This is severely impacting my credit and causing emotional distress. I request urgent intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: VA

Complaint narrative:
This letter is in response to your recent communication regarding an alleged debt. I am requesting validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and other applicable consumer rights laws.

Under 15 U.S.C. 1692g ( b ), I am exercising my right to request that you provide proper validation of the alleged debt. Until such verification is provided, you must cease all collection activities, including reporting this alleged debt to the credit bureaus. 

Please provide the following information : The name and address of the original creditor. 
The amount of the alleged debt, including a complete breakdown of interest, fees, payments, and principal. 
Proof that I am legally obligated to pay the debt. 
A copy of the signed agreement or contract bearing my signature. 
A copy of your debt collector license ( if required in my state ). 
The chain of custody/assignment proving your legal right to collect this debt. 
According to 15 U.S.C. 1692g ( a ), you are required to provide this information within five ( 5 ) days of your initial communication. If you can not validate the debt, you must remove it from all consumer reporting agencies per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ).

Be advised that continued attempts to collect without validation violate federal law and may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Office of the Attorney General. 

This letter is sent pursuant to the FDCPA and FCRA and should not be considered a refusal to pay but a request for verification of the alleged debt. Any attempt to collect without providing this information is unlawful. 

Please respond in writing. I request all future communication regarding this matter be conducted by mail only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Account XXXX XXXX # XXXX XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide certified mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 2025-06-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUN LOAN COMPANY INC.
State: AZ

Complaint narrative:
According to 15 USC 1681 I have the right to dispute inaccurate information and unverifiable information thats on my credit report. The company failed to send me any verification of debt, the original contract bearing my signature and explanation of amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX  XXXX  - XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX Unknown - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief