vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the inaccurate information being report : 1.

Under the FCRA, you are required to : Conduct a proper investigation into my dispute Inform me of the results of your investigation in a clear and comprehensible manner.

Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.

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 2025-04-07 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
I made a payment for XXXX on XXXX XXXX2025. I saw pending transaction on the XXXX, all of a sudden it disappeared. Then I was charged a late fee

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-07 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:
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 2025-04-07 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-07 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: LEXISNEXIS
State: TX

Complaint narrative:
Subject : REQUEST LETTER TO REMOVE INACCURATE INFORMATION To Whom It May Concern, Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency ( 15 U.S.C. 1681a ( f ) ), you are governed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that it is the consumer reporting agency 's responsibility to ensure that all information contained within consumer files is accurate and free from errors. 

: Insurance Policy Records Please remove the following inaccurate or unverifiable insurance claim records : Claim Number : XXXX Claim Type : Comprehensive Claim Amount : {$17000.00} Rental Reimbursement : {$960.00} Insurance Provider : XXXX XXXX XXXX XXXX XXXX Policy Number : XXXX Claim Number : XXXX Claim Type : XXXX  Claim Amount : {$27000.00} Vehicle : XXXX XXXX XXXX ( VIN : XXXX ) Disposition : Totaled XXXX XXXX XXXX  {$1100.00} Insurance Provider : XXXX XXXX  Policy Number : XXXX Claim Number : XXXX Claim Type : XXXXXXXX XXXX XXXXXXXX Claim Amount : {$90.00} Insurance Provider : XXXX Policy Number : XXXX Claim Number : XXXX Claim Type : XXXX XXXX XXXX XXXX XXXX : {$250.00} Insurance Provider : XXXX Policy Number : XXXX Claim Number : XXXX Claim Type : XXXX XXXX XXXX XXXX XXXX : {$93.00} Insurance Provider : XXXX Policy Number : XXXX Claim Number : XXXX Claim Type : XXXX  Claim Amount : {$36000.00} XXXX XXXX : {$220.00} Insurance Provider : XXXX Policy Number : XXXX Claim Number : XXXX Claim Type : XXXX  Claim Amount : {$8200.00} Vehicle : Stolen Vehicle Claim Number : XXXX Claim Type : XXXX XXXX {$60000.00} Claim Type : XXXX  {$22000.00} Claim Type : Property Damage {$8200.00} Claim Type : XXXX XXXX  {$200.00} Vehicle : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) Disposition : Totaled

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: FL

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These false records are unfairly lowering my credit score and creating unnecessary financial roadblocks. I have always upheld my financial responsibilities, yet these errors persist.

Under the FCRA, all reported information must be accurate and verifiable. If these remarks can not be substantiated with original, signed documentation, they must be removed at once. I expect immediate corrective actionany further delay will be considered deliberate noncompliance. 

XXXX XXXX XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXXXXXX XXXX  - Account Number : 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 2025-04-07 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: OR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the credit bureaus ( Experian, TransUnion, Equifax ) 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.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Valon Technologies, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ga XXXX To : Valon Mortgage XXXX XXXX XXXX XXXX, TX XXXX Attn : Customer Care / Legal Department Subject : Request for Compensation for Emotional and Mental Distress Due to Incorrect Credit Reporting Dear Valon Mortgage , I am writing to formally request compensation for the emotional and mental distress I experienced due to the inaccurate reporting of my mortgage account while I was enrolled in an active Forbearance Plan with your company. 

As outlined in your communication, my forbearance plan was in effect from XX/XX/XXXX, to XX/XX/XXXX. Despite this, my mortgage was reported as 120+ days late to the credit bureaus, which remained on my credit report for several months. 

This false reporting caused me significant XXXX and XXXX XXXX including : XXXX over potential foreclosure and financial instability XXXX related to the unexpected and unexplained damage to my credit profile Time and energy spent disputing the report and trying to protect my financial reputation Although the erroneous information has now been corrected, the distress it caused was very real and deeply unsettling. I respectfully request that Valon Mortgage provide compensation for the mental and emotional hardship I endured as a direct result of this mistake.

Please review this matter and respond with an appropriate resolution within 15 business days. If no resolution is reached, I am prepared to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and explore legal remedies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CA

Complaint narrative:
I have discovered that my identity was used without my permission in a fraudulent manner. This is an unauthorized action, and I am deeply concerned that my personal information has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I am writing to formally dispute an inaccurate debt reported on my credit file. The debt in question is from Barclays Bank Delaware, in the amount of {$5800.00}. This debt is inaccurately reported, and under my rights as a consumer per the Fair Credit Reporting Act ( FCRA ), I am demanding its immediate and permanent removal from my credit report. 
As outlined in 15 U.S. Code 1681o, credit reporting agencies are required to maintain accurate and verifiable records. Since this debt is inaccurate, its continued presence on my credit report constitutes negligence on your part and has directly caused harm by leading to the denial of loans, credit cards, and other financial opportunities. This is a violation of my consumer rights, and I am holding your agency accountable for this unlawful reporting. 
Additionally, recent lawsuits have reinforced the obligation of credit bureaus to remove unverifiable and inaccurate information promptly. Failure to comply with this dispute in accordance with the FCRA will result in further legal action against your agency. 
You have five ( 5 ) days from receipt of this letter to remove this debt from my credit report permanently. If this issue is not resolved within this timeframe, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory bodies.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/scrub>XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX Subject : Correction Request Misclassification of Dispute as Duplicate by Discover To Whom It May Concern, I am writing to inform you that my recent complaint against Discover Bank regarding a disputed credit card account has been incorrectly marked as a duplicate. This classification appears to have been made based on Discover 's internal response, not on any official CFPB determination or investigation. 

I wish to clarify that this is a separate and distinct dispute that includes new arguments and evidentiary requests which have not been addressed in any prior filings. Discover has cited prior communication as a basis to disregard my new concerns without conducting a reinvestigation, as required under the Fair Credit Reporting Act ( FCRA ). 

Specifically, Discover has failed to provide documentation proving my contractual agreement to the account or a valid investigation report on the accuracy of its credit reporting. Despite these unresolved matters, Discover appears to be attempting to suppress regulatory oversight by unilaterally declaring the case a duplicate. 

As a result, I respectfully request that my most recent submission be reviewed independently and not treated as a duplicate. I am also requesting a formal investigation into Discovers compliance with FCRA and its internal dispute handling practices. 

Please confirm receipt of this letter and let me know if additional documentation is required to proceed with a full review. 

Thank you for your continued commitment to consumer protection. 

Sincerely, XXXX XXXX Enclosure : Copy of the previously submitted complaint that was incorrectly marked as a duplicate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2025-04-07 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-07 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: FL

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1 681i ), this account is unverified and therefore must be deleted. The furnisher has failed to validate the debt despite a formal request submitted over 60 days ago, and the account has remained unresolved for over 890 days. Continued reporting constitutes negligent and willful noncompliance with federal law. Immediate deletion is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1 681i ), this account is unverified and therefore must be deleted. The furnisher has failed to validate the debt despite a formal request submitted over 60 days ago, and the account has remained unresolved for over 890 days. Continued reporting constitutes negligent and willful noncompliance with federal law. Immediate deletion is required.

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 2025-04-07 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$460.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2025-04-07 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In the last 30 days, the balance was already settled before making any purchases with the card. Each payment was also settled, including the {$100.00} rejected payment by the bank. Each payment from the bank was made with the funds available at the time of payment and for several days after the payment posted. The rejected payments were never posted as available funds to the account, and the money which has been deducted from the available balance exceeds the actual transactions including the non credited payments. 

There was no {$100.00} availability when the {$100.00} payment was made. 

The {$100.00} payment was rejected by an unknown regardless of {$100.00} being available at the bank of payment.

There is now an absolutely impossible negative amount on the card of - {$160.00}. 

XXXX  XXXX did not make any {$100.00} funds available when the payment was made. Now after it was rejected by my new bank, the credit card company has issued a false use of the funds. 

Please close my account immediately because of the fraud on part of whomever has access to both accounts. This is an identity theft issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I have contacted Cashapp over XXXX times- via live chat, email, letter, phone call. XX/XX/XXXX at XXXX, I received {$210.00} for a washer/dryer I sold in which I have not received because the credit card associated my account for XXXX XXXXXXXX was stolen and I didnt realize it was associated with this account. I could not get into acct and verify its me without this card. 

I have tried XXXX times now to resolve this with customer support. 

Phone number XXXX or XXXX Email XXXX or XXXX or XXXX My address at time of transaction was XXXX XXXX XXXX XXXX, XXXX  XXXX My address now at time of reporting this was XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now my address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, United States. 

My previous married last name was XXXX After divorce last name changed to maiden XXXX. My first name is XXXX. My DOB is XX/XX/XXXX. 
Transaction for {$210.00} was from XXXX or XXXX XXXX. They had the money taken out. They could not take it back by the time customer service finally provided that option because it had been that long. I never received the money. I just want my {$210.00}.

Company response to consumer: Closed with explanation