vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: United Check Recovery Bureau, Inc.
State: TX

Complaint narrative:
I am submitting this complaint against United Check Recovery Bureau Inc. ( UCRB Inc. ) for what I believe is a serious violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( f ), due to their improper use of credit-derived information specifically, a trigger lead solely for the purpose of collecting a debt, not offering credit. 

On or around XX/XX/year>, I applied for a mortgage. On XX/XX/year>, UCRB Inc. contacted me regarding a debt that is over three years old and does not appear on any of my credit reports. During the call, the representative mentioned an address that I have never used for any other account or service, but which was included on the mortgage application. This strongly indicates that UCRB Inc. obtained my information through a trigger lead, which is a type of consumer report information typically sold by credit bureaus after a mortgage-related credit inquiry.

However, UCRB Inc. did not offer me credit of any kind. Their purpose was solely to initiate contact and pressure me to pay a debt which is not a permissible use of a trigger lead under federal law. The FCRA clearly states that consumer report information may only be accessed and used for specific, permissible purposes. Using a trigger lead to collect a debt without a firm offer of credit is an impermissible use and a violation of 15 U.S.C. 1681b ( f ). 

Additionally, on that same day ( XX/XX/year> ), UCRB Inc. contacted third parties in an attempt to obtain or verify my contact or location. Under the Fair Debt Collection Practices Act ( FDCPA ), such contact is only allowed when the collector does not already have the consumers location information. In this case, UCRB Inc. already had my phone number and the exact address they referenced, which they likely obtained from the trigger lead data. This additional outreach was therefore unnecessary, intrusive, and improper.

My primary concern is the misuse of the trigger lead without any permissible credit-related purpose. I am asking your office to investigate UCRB Inc. for unlawful access and use of credit report data and for overstepping federal consumer protection boundaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: Servicer under contract with Federal Student Aid
State: LA

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Hi, Im reaching out to correct the inaccurate personal information on my credit report. These errors are causing issues with my credit applications and creating unnecessary frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: FL

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

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

and accuracies

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 2025-04-16 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-16 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-16 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: CBC Companies, Inc.
State: MA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC
State: AL

Complaint narrative:
On XXXX XXXX, 2025 I reviewed my credit report. I noticed a lot of incorrect information reporting on my consumer report. There are XXXX collection reporting on XXXX XXXX XXXX XXXX that I have not given permission to have my personal information. XXXX XXXX XXXX, Account NumbeXXXX XXXX XXXX XXXX XXXX- Account Number- XXXX and Reialnt Capital Solution XXXX Account XXXX XXXX violated my right for privacy for reportin non public personal information without my permission, I am demanding for these collection agencies to cease and desist All communications written, phone, email text and reporting on XXXX XXXX XXXX XXXX XXXX I need these collections to permanently remove the accounts from my credit report and their system based on violations of federal law and my rights as a consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-04-16 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Acct # XXXX To Whom It May Concern : I am writing regarding account number XXXX, which you are reporting as a collection item Under the Fair Debt Collection Practices Act ( 15 USC 1692 ), I am requesting validation of this debt. Please provide complete information on the original creditor, original account number, the date this account was opened, the date of the last payment, the amount of the original debt, and an itemized statement showing the amount of the debt and any additional fees or charges. If you are reporting this account to any credit reporting agency, under the Fair Credit Reporting Act ( 15 USC 1681b ), you must provide verification of this debt to those agencies upon request. At this time, I dispute the validity of this debt under 15 USC 1692. Please verify this debt in writing and provide all information requested above within 30 days. If validation is not provided, I will expect this item to be removed from my credit reports and further collection activity to cease.

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 2025-04-16 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NY

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 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 2025-04-16 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: NY

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 2025-04-16 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX 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 XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX -- {$2500.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$1300.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX CORRE XX/XX/XXXX TOWER LOAN XX/XX/XXXX HEIGHTS XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NJ

Complaint narrative:
I am writing to bring to your attention an urgent matter concerning my credit report and the handling of my requests by TransUnion and Equifax. 

On XX/XX/XXXX, I sent certified letters to both TransUnion and Equifax seeking verification and removal of five old accounts listed on my credit reports. As of today, I have not received a response from either bureau within the legal 30-day response window, despite my inquiries. 

The absence of action on these accounts continues to pose significant financial harm and stress for me. I have been unable to secure funding for a new business venture due to the negative remarks associated with these accounts. In XX/XX/XXXX, XXXX  successfully removed all negative accounts from my report, which highlights the potential for these issues to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute a series of unauthorized transactions totaling over {$4000.00} that were made from my Cash App account on or after XX/XX/year>. 

On XX/XX/XXXX, my phone was stolen. At the time, my phone did not have a PIN enabled, and unfortunately, my bank information was saved in the XXXX app. This allowed unauthorized access to my financial accounts, including my Cash App account. Following the theft, over {$4000.00} was transferred to an unknown account that does not belong to me. 

I reported these fraudulent transactions to Cash App, but my dispute was denied within a few days, with the reasoning that no error occurred. However, had a proper investigation been conducted, it would have been evident that the receiving account is not in my name. Furthermore, login records clearly show that my account was accessed from unfamiliar devices a day after the theft occurredstrongly indicating that my account was compromised. 

I believe this violates protections afforded to consumers under Regulation XXXX of the Electronic Fund Transfer Act ( XXXX ), which requires financial institutions to conduct a reasonable investigation of unauthorized transactions. I do not believe such an investigation occurred in this case. 

To date, I have received no meaningful support or resolution. The only remedy I am seeking is the full reimbursement of the stolen funds. I urge Cash App to review the login history, receiving account details, and all available evidence to reach a fair and lawful resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: MicroBilt / PRBC (formerly CL Verify)
State: PA

Complaint narrative:
I am writing under the rights granted to me by Section 609 of the Fair Credit Reporting Act ( 15 U.S. Code 1681g ). It has come to my attention that MicroBilt has shared or disclosed my consumer information to one or more employers or third parties without my knowledge or written consent.

Under the FCRA, I have the right to : 1. Know what information is being reported about me ; 2. Know who has accessed or requested that information ; 3. Challenge any unauthorized or inaccurate reporting.

I hereby request the following : 1. A complete copy of my consumer report/file that you have on record, including all data collected or reported.

2. A list of all third parties, employers, or entities that have accessed my information, including names, contact information, and the date of each inquiry.

3. The source ( s ) of the information you have on file about me.

4. Proof of my authorization-including any signed document-granting MicroBilt permission to share my consumer information with any employer or third party.

If you are unable to provide documented proof that I consented to this disclosure, you are in violation of the FCRA and must immediately cease dissemination of my data and remove any unauthorized records from your system.

I've enclosed copies of my driver 's license, Social Security card, and a utility bill to confirm my identity, as required.

Please respond to this request within 30 days, as mandated by federal law. All further communication should be in writing and sent to the address and email listed above

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