vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are inaccuracies on my report that needs attention that was not fix during the investigation

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 2025-07-09 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-09 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: WI

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and late payments appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me and are the result of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 explanation
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
My balances with the Dept of Education is XXXX and my status is PAID IN FULL because my loans have been consolidated to XXXX. 
Equifax has my balance as CURRENTLY in COLLECTIONS and I've disputed this several time to know avail. I am currently in the process of a lawsuit for damages at this point because it has caused my mortgage loan to not be approved. 


TO : Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : NOTICE OF INTENT TO FILE FEDERAL LAWSUIT FOR VIOLATIONS OF THE FAIR CREDIT REPORTING ACT Dear Equifax Legal Department, This letter serves as formal Notice of Intent to Sue for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in connection with your continued reporting of inaccurate and unverifiable information on my credit report. 

Despite multiple written disputes submitted to Equifax, you have continued to report inaccurate information that does not belong to me or has not been verified through proper documentation as required by federal law. This constitutes a violation of : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures for accuracy 15 U.S.C. 1681n & 1681o Civil liability for willful and negligent noncompliance As a direct result of your actions, I have suffered : Denial of credit Emotional distress Damage to reputation Loss of financial opportunities You are hereby provided with 10 days from receipt of this letter to fully correct the reporting violations by : Removing all inaccurate, unverifiable, and outdated information Providing written confirmation of corrections made Issuing corrected reports to all parties that received the inaccurate data Failure to comply will result in immediate legal action in U.S. District Court, where I will seek : Actual and statutory damages Punitive damages Court costs and attorney fees This is not a mere threat this is a final courtesy before I proceed with litigation. Govern yourselves accordingly. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
There was not a selectable field to enter to describe my issue. 

The Company GOOGLE will not allow me to cancel my membership after a free trial.

I have emailed them for 3 months.

searched Google to find out how to cancel my " workspace '' account.

I have called again and again to no avail I finally had to continue to keep pushing buttons to get to speak with someone on the line.

( see supporting photos ) After I spent nearly an hour on the phone with the Google rep.. Even HE could NOT cancel my account.

On line, there are prompts to guide you through a cancellation process. That simply do not work. The prompt to " cancel '' simply does not exist.

I find this practice to be akin to out and out robbery.

Google keeps taking {$51.00} dollars from my account for the past 4 months even after I have asked them in writing to cancel my membership.

Again I have also tried to cancel using the instructions they've provided and calling into their customer service department to NO avail. 
I don't want to cancel my entire debit card to avoid these charges, nor should I have to.

Please help me both cancel this subscription and recoup the charges for the past 4 months.

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 2025-07-09 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: WV

Complaint narrative:
Im reaching out because Ive discovered an account on my credit report that I did not authorize or open, and I need this issue addressed immediately. 

This account is the result of unauthorized and fraudulent use of my identity. I want to be absolutely clear : I did not apply for, open, or consent to this account in any form. It does not belong to me, and it should never have appeared on my credit report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint against Sunrise Credit Services in connection with a disputed balance of {$200.00} allegedly owed to XXXX. I canceled my XXXX  service in XX/XX/year>XXXX  through their online portal and returned the equipment as instructed on XX/XX/year>. Despite this, I began receiving collection calls from Sunrise in XXXX regarding this balance. I was never sent a written validation notice within five days of their initial contact, as required by the Fair Debt Collection Practices Act ( FDCPA ). 

I disputed the debt multiple timesby phone on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. On a recorded call dated XX/XX/XXXX, I was told only {$27.00} was owed. This contradicts Sunrises ongoing attempts to collect the full {$200.00}, including charges related to equipment that was already returned. I also emailed proof of the equipment return to Sunrise on XX/XX/XXXX, but on XX/XX/XXXX, I received a generic email stating the balance was valid, with no explanation or investigation. On XX/XX/XXXX, a supervisor claimed the equipment had only been returned on XXXX XXXX is false and directly contradicted by the return receipt dated XX/XX/XXXX. 

Sunrise Credit Services has failed to follow consumer protection laws by ( 1 ) not sending a proper validation notice, ( 2 ) continuing collection activity during active disputes, ( 3 ) providing inconsistent and inaccurate information regarding the debt, and ( 4 ) failing to report all disputes to credit bureaus. I believe this behavior violates the FDCPA, the Fair Credit Reporting Act ( FCRA ), and protections against Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). 

I respectfully request that the CFPB investigate this matter. Attached to this complaint is the letter I sent to Sunrise Credit Services, which includes a detailed timeline, the nature of the dispute, and specific regulatory violations. I am asking for the account to be deleted from my credit report and for appropriate corrective action to be taken.

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 2025-07-09 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-07-09 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: MD

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: WA

Complaint narrative:
I received a prepaid XXXX on XX/XX/XXXXXXXX  for {$50.00}. On XX/XX/XXXX, the card expired. I submitted a ticket to request access to my funds. They replied and said " be advised that any remaining funds expire along with the card ''. As I understand, the funds legally can not expire for 5 years. They then said they will issue me a replacement card with a charge of {$6.00} as a one time exception.

They said to expect an update 24-48. This email was sent at XXXXXXXX  on XX/XX/XXXX. It is now XX/XX/XXXXXXXX  and the company has still not gotten back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: IL

Complaint narrative:
The account in question is being reported incorrectly on my credit report. It appears as a collection, but I have no recollection of ever having this account.

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 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Under the Fair Credit Reporting Act Section 1681s-2, a creditor must report accurate information .My MoneyLion account was charged off and closed on XX/XX/XXXX, but the creditor is still reporting a balance of {$350.00} as of XX/XX/XXXX, and falsely listing the account as In Collections/Charge-off each month. This violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) because : The account is no longer active or being collected directly by MoneyLion. 
The balance should be {$0.00} if sold or written off ( profit and loss ). 
I was not notified of the sale or transfer of the account to collections. 
After my formal dispute, they failed to correct or update the inaccurate information. 

This is inaccurate and misleading. According to FCRA Section 1681s-2 ( a ), furnishers must not report information they know is inaccurate. If the debt was sold or written off, it should report a {$0.00} balance. They also failed to provide any notice or validation of the debt being sold or transferred.

Additionally, the payment history continues to show derogatory marks every month into XXXX  even though the account was already closed in early XXXX. This appears to be duplicate or continued damage to my credit after charge-off. 

I am requesting that this account be corrected or removed from my credit report and that the balance be updated to {$0.00} if the account was charged off or sold. I also request that any false or duplicate derogatory reporting be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: Ava Finance, Inc
State: MI

Complaint narrative:
15 U.S. Code 1681i This is not my credit this is another XXXX XXXX get this off my credit or I will sue, I dont have credit with Ava finance my number is XXXX my address is XXXX XXXX XXXX and my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently, I conducted a thorough review of my credit report and discovered several items that are unverifiable, unvalidated, inaccurate, and questionable. Your agency has failed to ensure that the information being reported is 100 % accurate.

According to the Fair Credit Reporting Act, all information on a consumers credit report must be completely accurate. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation due to the failure to report fully accurate information.

Attached below are copies of the letters I have sent regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
Recently, I conducted a thorough review of my credit report and discovered several items that are unverifiable, unvalidated, inaccurate, and questionable. Your agency has failed to ensure that the information being reported is 100 % accurate.

According to the Fair Credit Reporting Act, all information on a consumers credit report must be completely accurate. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation due to the failure to report fully accurate information.

Attached below are copies of the letters I have sent regarding 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 2025-07-09 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: PA

Complaint narrative:
I am writing to notify you that I have been a victim of identity theft. As a result, there are accounts and credit inquiries on my credit report that I did not authorize or open. These fraudulent activities have negatively impacted my credit history and scores.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute to Experian regarding a collection account being reported by XXXX XXXX XXXX XXXX. I requested validation of the debt under the Fair Credit Reporting Act ( FCRA ). To date, I have not received any documentation verifying the debt, including the original creditors name, account details, or proof of their legal authority to collect. Despite failing to validate the account, they marked the dispute as verified and the account remains on my credit report. This is a violation of my consumer rights and FCRA guidelines. This account should not be reported without proper validation.

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 2025-07-09 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: VA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this 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 explanation