vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: Experian Information Solutions Inc.
State: MD

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 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 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CLGF Holdco 1, LLC
State: NE

Complaint narrative:
I reject your claim that all regulatory obligations have been satisfied. You have not provided a valid, signed contract or original agreement bearing my consent, not have you demonstrated that the alleged debt was originated or assigned to you with my knowledge. As such, your continued collection attempts and credit reporting are based on an unauthorized written agreement and may constitute false representation under the FDCPA and a violation of 15 U.S.C. 1681s-2 under the FCRA. I request immediate cessation of collection efforts and deletion from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX To Whom it May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCE OF {$6900.00} PORTFOLIO RECOV ASSOC, XXXX, This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, and are required to remove any information that is not true, accurate, and verifiable. 

Please remove this inaccurate account information IMMEDIATELY from my credit report and send in the updated report showing your compliance with all FCRA laws and XXXX XXXX Reporting Standards as well as this account removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: LA

Complaint narrative:
XXXX reviewing my credit report dated XX/XX/XXXX, I discovered multiple late payments reported by XXXX XXXX on a credit card account that was previously in dispute. These late payments include XXXX, XXXX, and XXXX delinquencies from XXXX and early XXXX. 

I filed a dispute with the credit reporting agencies, and the account was marked as resolved. The payment status is now reported as " current '' by all three credit bureaus ( TransUnion, Experian, and Equifax ), and the comments on the tradeline indicate the dispute has been resolved. 

Despite this resolution, the late payment history remains on my report, negatively impacting my credit profile. I contacted XXXX XXXX and the credit bureaus to request removal of the outdated and resolved derogatory marks. I also provided documentation supporting the account 's current status and history of resolution. 

This inaccurate reporting is unfair and misleading, and I am requesting that the credit bureaus and XXXX XXXX remove the negative payment history that resulted from the previously resolved dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: Block, Inc.
State: NC

Complaint narrative:
I sent {$100.00} to my granddaughter for school supplies XXXX XXXXXXXX her account she cant access because cash app is saying the account doesn't exist or can't be recovered. 
Now cash app allowed transaction to go through knowing the account is inaccessible. I request they transfer the funds to the account she has access to XXXX instead. they asked me to request the funds back from and account she can't access and when we call customer service they was playing games. I need a full refund back to my account as i have supporting documents that states she can't access the account. CASH APP IS STEALING MONEY FROM THERE CONSUMER.They claim to be FDIC they are not following bank lending practices. Comp controller need to investigate into there business practice. I need a full refund back to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Social Security XXXX : XXXX Date of XXXX To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : XXXX a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
XXXX my credit profile to reflect the correct information as listed above. 
XXXX me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY 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 2025-08-05 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: NY

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Social Security XXXX : XXXX Date of XXXX To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/year> SSN : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX Experian XXXX. XXXX XXXX, XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX Subject : Request for Investigation and Removal of Inaccurate Information in Credit Report Dear Transunion, Experian, and Equifax, I am writing to dispute certain inaccurate and/or incomplete information contained in my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit file, I have identified the following information that is either incorrect or incomplete and should be deleted immediately to ensure the accuracy of my credit report. 

Account Information to Be Disputed : Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Description of the Inaccuracy : Collection/Chargeoff is incorrect Under the FCRA, you are required to ensure that the information reported on consumers is accurate and complete. If you are unable to verify the accuracy of the information in question, it must be deleted from my credit file. I request that you investigate this matter promptly and correct or remove the inaccurate information. 

Please provide me with written confirmation that the investigation has been completed and the necessary corrections have been made. 

Enclosed are copies of screenshot of collection I expect to receive a response within the 30-day timeframe, as required by the FCRA, confirming the removal or correction of the disputed information.

Thank you for your prompt attention to this matter. I look forward to your response and to a swift resolution. 

Sincerely, XXXX XXXX Enclosures : Screenshot of collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681i, and consistent with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), I am formally disputing the following inaccurate, incomplete, and unverifiable information on my credit report dated XX/XX/XXXX : DISPUTED ACCOUNTS : XXXXXXXX XXXX XXXX ( Account # XXXX * * ) * * Dispute Basis : Violation of FCRA 623 ( a ) ( 1 ) - Furnisher Accuracy Requirements Legal Authority : XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Issue : Account shows inconsistent payment history and lacks proper verification of debt ownership Request : DELETE in its entirety XXXX. XXXX ( Account # XXXX * * ) * * Dispute Basis : Violation of FCRA 605 ( c ) - Obsolete Information Legal Authority : XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Issue : Charged-off account reporting beyond permissible timeframe and without proper validation Request : DELETE in its entirety XXXX. XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dispute Basis : UCC 9-625 - Deficiency Judgment Requirements Not Met Legal Authority : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Issue : No evidence of proper repossession procedures or deficiency calculation Request : DELETE in its entirety XXXX. XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Dispute Basis : FCRA 623 ( a ) ( 2 ) - Duty to Investigate Disputes Legal Authority : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Issue : Account disputed previously, yet continues to report without resolution Request : DELETE in its entirety XXXX. XXXX ( Account # XXXX * * ) * * Dispute Basis : FCRA 605 ( a ) - Seven-Year Reporting Limitation Legal Authority : XXXX XXXX Equifax Info XXXX Services, XXXX XXXX XXXX ( XXXX XXXX XXXX ) Issue : Account age calculation appears incorrect for charge-off reporting Request : DELETE in its entirety LEGAL STANDARDS APPLICABLE : Under XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX. XXXX ), credit reporting agencies must employ reasonable procedures to ensure maximum possible accuracy. The continued reporting of unverifiable information violates this standard. 
Pursuant to XXXX v. Experian XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), you have 30 days to investigate these disputes and must delete any information that can not be verified as accurate and complete.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
* * Equifax Information Services LLC * * P.O. XXXX XXXX XXXX, GA XXXX * * Subject : * * Unauthorized Credit Report Blocks Formal Dispute and Legal Notice XXXX XXXX XXXX XX/XX/year> XXXX To Whom It May Concern, I am writing to formally dispute and demand immediate removal of unauthorized blocks or restrictions that have been placed on my Equifax credit report. These blocks are preventing creditors and financial institutions from accessing my credit file, thereby hindering my ability to obtain credit and improve my quality of life. 

I want to make it explicitly clear that * * I have not placed a fraud alert, credit freeze, or any similar restriction on my credit report. * * Equifax has implemented these limitations * * without my knowledge, consent, or legal justification * *, which is a direct violation of my rights under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. * * Under the FCRA, consumer reporting agencies are * * legally required * * to : * Maintain accurate and complete information ( 1681e ( b ) ) * Investigate and correct disputed information in a timely manner ( 1681i ) * Provide disclosures and access to credit information ( 1681g ) * Not impose restrictions or changes on a consumer file without proper authorization or legal basis The unauthorized action taken by Equifax has materially harmed me by restricting access to essential credit opportunities, potentially impacting housing, employment, and other life necessities. This is * * unlawful, damaging, and must be immediately addressed. * * Therefore, I am demanding the following : 1. * * Immediate removal of any freeze, fraud alert, or access block * * that has been placed on my credit file without my written consent 2. * * Written confirmation * * that these unauthorized restrictions have been removed 3. An explanation of * * how and why this block was placed * *, including the source or reason 4. Assurance that such unauthorized actions will not occur in the future If Equifax fails to act promptly and appropriately, I will not hesitate to file formal complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * *, * * Federal Trade Commission ( FTC ) * *, and pursue legal remedies for damages as allowed under the FCRA.

Please treat this matter with the urgency and seriousness it deserves. You may reach me at XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: IL

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$50000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$13000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite prior correspondence, these accounts remain unresolved and continue to report in a manner that appears misleading and incomplete. I am again exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), and I am requesting a full reinvestigation. 
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 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 explanation
Consumer complaint received 2025-08-05 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:
Despite prior correspondence, these accounts remain unresolved and continue to report in a manner that appears misleading and incomplete. I am again exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), and I am requesting a full reinvestigation. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: LEXISNEXIS
State: FL

Complaint narrative:
I am submitting this formal complaint against LexisNexis for failing to provide my full consumer disclosure report and for continuing to report inaccurate and unverifiable information regarding a federal student loan account serviced by XXXX. 

I submitted a request for my full consumer report more than 30 days ago and did not receive it. Instead, I received vague letters claiming there is no active dispute on file which is not what I requested. I specifically asked for my full consumer disclosure, including all data LexisNexis maintains about me. 

Additionally, XXXX is being reported on my LexisNexis file, and this account is inaccurate, incomplete, and not properly verified under the Fair Credit Reporting Act ( FCRA ). 

I have disputed the Aidvantage account with LexisNexis and requested : A copy of the signed Master Promissory Note A full payment history and ledger Complete documentation of forbearance and deferment periods Evidence of legal authority to furnish this data LexisNexis has failed to provide any documentation from XXXX. The continued reporting of this unverifiable negative account is damaging and in direct violation of my rights under the FCRA. 

I am requesting the immediate removal of the Aidvantage account from my LexisNexis consumer file due to the following : Failure to verify the information with documentation Failure to provide my complete consumer disclosure report upon request Inaccurate, outdated, or unverifiable data being reported Violation of my right to access my data under FCRA 609 In both of my attached photos that shows 2 separate dates, both papers state that I don't have a dispute but I do, and I'm requested the immediate removal from my account

Company response to consumer: Closed with explanation