vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was scammed into sending a Cash App payment under false pretenses. The transaction came from my device, but I did not authorize it knowingly or willingly. 

I filed a dispute with Cash App under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, but they denied my claim, stating only that the transaction came from a device in my possession.

However, under 12 C.F.R. 1005.2 ( m ), authorization requires informed consent not just device activity. Cash App failed to investigate whether the transaction was truly authorized, violating federal law and the recent CFPB enforcement action issued in XX/XX/year> against Block , Inc . 

I request a full reinvestigation and provisional credit as required by 12 C.F.R. 1005.11. 

I am attaching screenshots of the denial and will cooperate fully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: MD

Complaint narrative:
I am writing to dispute the accuracy of the information being reported on my credit file. After reviewing my credit report, I have determined that the information being reported is not in compliance with the Metro 2 guidelines.

As a result, I am requesting that you delete all references to this account/information from my credit file. I believe that the reporting is inaccurate and not in accordance with the industry standards. 
I request that you investigate this dispute and take immediate action to correct the errors and delete the non-compliant information from my credit file. I would appreciate it if you could provide me with written confirmation of the deletion once it has been completed.

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 2025-06-29 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: Early Warning Services, LLC
State: IL

Complaint narrative:
Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXXXXXX 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 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 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 XXXXXXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my XXXX XXXX XXXX report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Due to XXXX, I had a private company to clean up all of my credit for me by paying, and I had an Insurance that I paid with the company the company take the insurance money. I write off my account Chase XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Accusing me and put me in the credit I pulled down my credit and I want all of these things off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-29 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: AL

Complaint narrative:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file.

I am demanding an immediate reinvestigation and deletion of the following account from my credit file : Disputed Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEGAL GROUNDS FOR REMOVAL : Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days.

I am exercising this right and demanding strict compliance. Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : can not be verified and must be deleted from the file of the consumer.

Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law.

Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately.

YOU ARE HEREBY PUT ON NOTICE : You have 30 days from the receipt of this letter to complete a lawful investigation.

If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted.

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

I am also prepared to pursue civil litigation under 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed.

I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I requested a validation and Deletion of an account ( XXXX XXXX XXXX XXXX ) via Equifax. 
The account is INTENTIONALLY HIDDEN under the Other Account Types section of my Equifax Credit Report as a CLOSED collection that is OPEN at the same time.

The Account is not listed as a COLLECTION account under the actual Public Collection section of my Equifax credit report.

I submitted my dispute with documentation for validation and the request for the accounts complete deletion.

Equifax did NOT perform a validation or deletion of the account due to incorrect data reporting.

The dispute process was completed within roughly XXXX and XXXX min by Equifax by only updating the date of first delinquency to the account.

Equifax is in violation of the 15 U.S. Code 1681i ( 5 ) [ Procedure in case of disputed accuracy ], and I am requesting all steps Equifax uses/used to validate/certify this debt and to request the complete deletion of this debt from my Credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: PA

Complaint narrative:
I am submitting this complaint due to the credit bureaus failure to uphold their responsibilities under the Fair Credit Reporting Act ( FCRA ). Despite submitting disputes regarding inaccurate and damaging information on my credit report, the bureaus failed to conduct a proper and reasonable investigation. They have continued to report these unverifiable items, which has resulted in an unjust impact on my credit score and has caused significant personal and financial hardship.

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 2025-06-29 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: PA

Complaint narrative:
I am submitting this complaint due to the credit bureaus failure to uphold their responsibilities under the Fair Credit Reporting Act ( FCRA ). Despite submitting disputes regarding inaccurate and damaging information on my credit report, the bureaus failed to conduct a proper and reasonable investigation. They have continued to report these unverifiable items, which has resulted in an unjust impact on my credit score and has caused significant personal and financial hardship.

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 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MN

Complaint narrative:
I am filing this complaint against three debt collectors currently furnishing * * unvalidated and likely unlawful collection accounts * * on my * * XXXX  credit report * *, causing substantial and unjust harm to my financial reputation. I demand CFPB investigation and removal based on * * violations of federal law * *, including the * * Fair Credit Reporting Act ( FCRA ) * * and * * Fair Debt Collection Practices Act ( FDCPA ) * *.

-- - # # # * * Disputed Collection Accounts * * 2. * * Jefferson Capital Systems * * \ {$8500.00} * Original Creditor : XXXX XXXX * * Date Opened : XX/XX/year> * * ( Debt buyer must provide full chain of title ) XXXX XXXX XXXX XXXX  XXXX XXXX  * * Applicable Laws Violated * * : * * * 15 U.S. Code 1692g ( b ) ( FDCPA ) * * A consumer has the right to request * * full debt validation * * and the collector must cease collection efforts until verification is provided.

* * * 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ( FCRA ) * * Furnishing inaccurate or unverifiable information to a credit bureau is prohibited.

* * * 15 U.S. Code 1681i ( a ) ( 5 ) * * If disputed information can not be verified, it * * must be deleted immediately * * from the consumers report.

* * * 15 U.S. Code 1692e * * False, deceptive, or misleading representations in connection with debt collection are illegal.

-- - # # # * * Demand for Proof * * : To date, * * no collector listed above has provided the following * *, which is legally required to validate a debt : * The * * original signed contract * * bearing my signature; * A * * complete accounting * * of the debt; * * * Proof of legal ownership * * or assignment of the debt; * A copy of the * * collectors license * * to operate in Minnesota. 

Until these debts are fully validated, they can not legally remain on my credit report or be collected. Failure to provide this documentation constitutes willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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:
My information was used fraudulently an account by XXXX XXXX XXXX was opened in XXXX, of XXXX  for {$3500.00}

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 2025-06-29 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: SC

Complaint narrative:
I am filing this complaint because the credit bureaus have not met their legal obligations under the Fair Credit Reporting Act ( FCRA ). Despite my formal disputes regarding inaccurate and negative entries on my credit report, the bureaus failed to conduct a thorough and reasonable investigation. These unverified items remain on my report, causing unjust damage to my credit score and creating unnecessary financial and emotional stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: ID

Complaint narrative:
I am filing this complaint because several negative accounts are being reported on my credit report without proper verification or proof of contract, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). I have formally requested that these accounts be verified or removed, and I have not received any valid response or proof of obligation from the credit reporting agencies or furnishers.

Additionally, I have been a victim of the Equifax data breach, and my personal information has been compromised. I believe this may have contributed to inaccurate or fraudulent entries on my report. These accounts are also being reported more than once, which is misleading and unfair. 

Despite sending written disputes, these items have not been corrected or deleted. I am requesting CFPB assistance to ensure these items are either properly verified with full documentation or permanently deleted as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: VW Credit
State: FL

Complaint narrative:
I have a dispute with Volkswagon Credit. I had volkswagon credit for about 9 years and leased 3 cars and never had an issue always paid on time. Everytime I would lease a new car they would never make me pay any damage fees after inspection I would just take the new car and go. Well last year when the lease was up after inspection the 3rd party inspector that came to my house told me the car was good no issues however when he was finishing his report he asked me was I going to lease again from VW and I replied no my daughter will now be paying for her own car and she wants a different car. Well then all of a sudden he wrote that I needed to replace all the tires. I tried to call XXXX XXXX and report this issue and they did nothing about. Actually they just told me I could pay them little by little which is not what I wanted. They said well then u will will go to collections with a big attitude. I asked for a Supervisor and was told the same but in a nicer way. To me this is fraud that all of a sudden I do not want to lease another car from them and I need to pay {$1000.00} for tires? I am very concerned and upset that this situation. I dont think its fair that I have be charged for this for being punished for not getting another VW . They told me this is a 3rd party they use and they have nothing to do with it. Makes not sense since my credit was with Volkswagon Credit. They call me and send me letters continusaly. They have a collection company named XXXX, XXXX ruing my credit. i went from XXXX to XXXX every month they complain for my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I contacted Citi Bank and Best Buy directly to remove the late payment information from my credit report. They acknowledged that there was and error but I was not removed. I did a dispute with the credit bureau 's XXXX, XXXX XXXX XXXX. The late payment were removed and shortly after the late payments appeared again.

I have several Citi accounts and good credit, and my credit history is clean and im in good standing with all creditors. I need help with this matter. It has caused me financial limitations since all of this started with how information was reported. 
Thanks 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 2025-06-29 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XXXX Account Name : XXXX XXXX # XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation