vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I have requested Debt Validation and Full and Complete chain of assignments. I was never given any of the requested information. I never received any letters or notices of this debt. I never received any 1099C if this alleged debt was sold to a debt buyer. I have requested.

1. The name of the original creditor.

2. The full chain of ownership for this debt, including all entities that have owned or collected on the debt.

3. The dates of each sale, transfer, or assignment.

4. Documentation showing that your company has legal standing to collect this debt.

5. A full itemized statement I never received any of this information and the debt still came back verified without any of the requested documents. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally request that DRS provide the complete chain of assignment of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
My legal rights Under 15 USC and 1681EB as of XXXX XXXX have been violated by false inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: WA

Complaint narrative:
I submitted formal disputes to Equifax in early XXXX for XXXX inaccurate or unverifiable accounts. Equifax responded on XX/XX/year> ( Confirmation XXXX XXXXXXXX ), but failed to provide validation or correct the errors. I mailed a final certified dispute request on XX/XX/year> requesting original documentation and reinvestigation. Accounts still inaccurately show as verified or updated without proof. I am requesting deletion or correction per FCRA Section 611. See attached XXXX for full details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX charged my card for {$450.00} and {$150.00} on XX/XX/XXXX for enrollment in a school where neglect took place, so I had to unenroll my son for his safety the next day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: GA

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I am filing this formal complaint against National Credit Systems for reporting an inaccurate balance on my consumer credit report and failing to properly investigate and correct this error upon my formal dispute, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Summary of Issue : On [ XX/XX/year> ], I discovered that [ National Credit Systems ] reported a balance of [ {$3200.00} ] on my credit report. This balance is incorrect and does not reflect the accurate amount owed, if any. 

I promptly submitted a written dispute to both [ National Credit Systems ] and the credit reporting agencies requesting a full investigation and accurate verification of the debt balance, pursuant to 15 U.S.C. 1681i. Despite providing them ample time and documentation to investigate this matter, the furnisher failed to properly verify or correct the erroneous balance. The inaccurate information continues to appear on my credit file, negatively impacting my creditworthiness and causing undue financial and personal harm. 

What I am requesting : Immediate deletion or correction of the inaccurate account balance from my credit report. 

A full investigation by the CFPB into [ XXXX, XXXX  and XXXX  ] s failure to accurately verify and report consumer information. 

Assurance that future reports by this furnisher comply with the FCRAs accuracy and verification Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated ( " DATE OF PREVIOUS LETTER '' ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: EQUIFAX, INC.
State: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires credit reporting agencies to report only accurate, complete, and verifiable information. 

The following accounts are being reported inaccurately, contain incomplete or unverifiable data, and/or violate multiple provisions of the FCRA : Disputed Accounts : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$2800.00} | Status : Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$2400.00} | Status : Charge Off XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$890.00} | Status : Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$49000.00} | Status : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$180000.00} | Status : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$600.00} | Status : Charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$1100.00} | Status : Charge Off XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$3700.00} | Status : Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$1100.00} | Status : Charge Off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$2600.00} | Status : Charge Off XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$1400.00} | Status : Collection Many of these accounts appear to be inaccurately reported, outdated, or unverifiable. I am demanding that you : Conduct a reinvestigation into each disputed item listed above in accordance with FCRA 611 ( 15 U.S.C. 1681i ). 

Delete any item that can not be verified with legally sufficient evidence within the XXXX reinvestigation period. 

Provide me with copies of any documentation used to verify the accuracy and legitimacy of these accounts, including original signed contracts and payment history records. 

Ensure compliance with Metro 2 and e-OSCAR standards when handling this dispute. 

If any of these items are found to be inaccurate or unverifiable and are not removed, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Failure to comply with federal law subjects your agency to legal consequences including damages under 15 U.S.C. 1681n and 1681o. 

Please mail the results of your reinvestigation and an updated copy of my credit report to the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires credit reporting agencies to report only accurate, complete, and verifiable information. 

The following accounts are being reported inaccurately, contain incomplete or unverifiable data, and/or violate multiple provisions of the FCRA : Disputed Accounts : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$2800.00} | Status : Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$2400.00} | Status : Charge Off XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$890.00} | Status : Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$49000.00} | Status : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$180000.00} | Status : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$600.00} | Status : Charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$1100.00} | Status : Charge Off XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$3700.00} | Status : Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$1100.00} | Status : Charge Off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$2600.00} | Status : Charge Off XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$1400.00} | Status : Collection Many of these accounts appear to be inaccurately reported, outdated, or unverifiable. I am demanding that you : Conduct a reinvestigation into each disputed item listed above in accordance with FCRA 611 ( 15 U.S.C. 1681i ). 

Delete any item that can not be verified with legally sufficient evidence within the XXXX reinvestigation period. 

Provide me with copies of any documentation used to verify the accuracy and legitimacy of these accounts, including original signed contracts and payment history records. 

Ensure compliance with Metro 2 and e-OSCAR standards when handling this dispute. 

If any of these items are found to be inaccurate or unverifiable and are not removed, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Failure to comply with federal law subjects your agency to legal consequences including damages under 15 U.S.C. 1681n and 1681o. 

Please mail the results of your reinvestigation and an updated copy of my credit report to the address 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 non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Ive attempted to report that cashapp has been stealing money from me. On multiple occasions Ive tried to bring this awareness to cashapp but Ive not been able to contact anyone. Ive seen multiple transactions that I have no knowledge of. Again, I would like to receive every single dime that was stolen from me that cashapp ignored all of my request. Thank you. From many online, subscriptions, and I believe crypto whatever that is. High demand store .. money transfers to people i dont know!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EGL US, LLC
State: LA

Complaint narrative:
BMG money flag my account XXXX  days late which is inaccurate i made XXXX payments in XXXX and a payment in XXXX according to FCRA you must report accurate information or will be taken to court for legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MS

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: AL

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
My XXXX account was permanently deactivated with no explanation.I was attempting to sell a coat on XXXX  XXXX on XX/XX/year> and the buyer - who claimed to be using a business account - asked me to send {$500.00} to " verify '' their payment. I sent {$250.00} through XXXX. The second {$250.00} was stopped by XXXX. Then the buyer told me it happened to them before and to check my email for the XXXX phone number to call. I called the number thinking it was from XXXX- it had a XXXX  address - and didn't realize I was being scammed. They gave me an email for a XXXX representative to send it to and that was also blocked. Then they told me to use XXXX or XXXX XXXX and it was then I realized I was being scammed. I told the buyer that and requested they send my money back. They did, to my surprise.The next day I received calls and text msgs from a cybercrime individual who wanted to help me with the scam. 

I went in to XXXX and initiated a transfer of the funds back to my account and XXXX days later realized it had been stopped by XXXX. I learned XXXX had permanently deactivated my account for life and froze access to my funds for up to XXXX  days for loss prevention. 

I provided documentation of the XXXX chat and contacted XXXX support multiple times. Most recently, I submitted a data access request through Paypal/XXXX and received generic account information despite being the account holder and having done nothing wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address is:XXXX XXXX XXXX XXXX  XXXX, Florida, XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address is:XXXX XXXX XXXX XXXX  XXXX, Florida, XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.

Company response to consumer: Closed with non-monetary relief