vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: WV

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$620.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland credit management inc I am unaware of this debt and didnt have the opportunity to dispute it. If you believe that you sent proper notification, please provide certified mail with receipt displaying my signature if not, please delete this account from my credit report as soon as possible or I will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 

I looked at my XXXX, TRANSUION, EQUIFAX, credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-07-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law.

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 2025-07-01 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: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
Diversified Adjustment Service , Inc. is reporting a fraudulent tradeline on my credit reports that I did not open, authorize, or benefit from. I provided a valid FTC Identity Theft Report, notarized affidavit, ID, and proof of address on XX/XX/XXXX, and XXXX, XXXX through XXXX XXXX XXXX XXXX This satisfies all block requirements under FCRA 1681c-2. Diversified removed the account from XXXX but failed to remove it from XXXX XXXX XXXX They have not provided any direct written response or proof of lawful collection authority in Texas, and I found no record of them being registered or bonded with the Texas Comptroller as required by Texas Finance Code Chapter 392. This makes any collection or reporting unlawful in Texas. They are knowingly furnishing inaccurate, unauthorized information that harms my credit and violates federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: VA

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 2025-07-01 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Spoliation Federal Interference with a Federal Arbitration case Evidence, Misuse of my personal credit report during a Federal Procedure gathering Evidence, Violation of the FCRA, Ongoing Harassment, targeted me again. XXXX XXXX XXXX my online personal activity, When I assessed Experian online Consumer portal. Is XXXX XXXX. Accessed and Deleted My personal Credit report From XX/XX/XXXX, During Arbitration on Monday XX/XX/XXXX, Time XXXXXXXX XXXX and XXXX XXXX Nevertheless, Without My personal consent I XXXX XXXX XXXX. The Credit report of XX/XX/XXXX, was Accessed and Deleted by Experian Credit Bureau. Right After I printed the credit report from XX/XX/XXXX, On Experian online Consumer portal, and during the process I was reprinting the page that I forgot. It was a total of XXXX or XXXX pages. I first printed XXXX pages of the credit report, When I started reprinting the Inquiry page that I forgot. I entered in the print bar to print pages XXXX my printer indicated red and stated that XXXX was the XXXX available to print. Keep in mind. I just printed the credit report. Still logged in on Experian Consumer portal I refresh the page and the whole credit report was wiped clean. Experian online Stalking a consumer

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 2025-07-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Levy & Associates, LLC
State: IN

Complaint narrative:
After I discussed with the debt collectors that I never did business with their client nor had possession of the vehicle and that an identity theft report had been filed they garnished my check anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX I noticed one of my 2 chase credit cards was not working, I when on the portal and said acount close. I then contacted customer service, they only told me that it was close, and I was going to receive the reason why on a letter by mail, so far I haven't received any letter, then my second credit card was close a week after, I made an appointment in person with the bank on XX/XX/XXXX, same respond I should received the reason why on the mail. {$1200.00} of my point gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-01 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2025-07-01 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: KY

Complaint narrative:
b'Despite multiple written requests, the unverified accounts listed\nbelow continue to report on my credit report in violation of\nfederal law. I sent a letter to the credit bureau but I never\nreceived a response from them. These accounts must be\nvalidated by Sections 609 (a) (1) (A) and 611 (a)\n(1) (A). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.\nXXXX XXXX XXXX XXXX  Balance:XXXX\nXXXX XXXX XXXX XXXX  Balance: XXXX \nXXXX XXXX XXXX XXXX Balance XXXX \nXXXX XXXX XXXX XXXX  Balance XXXX\nXXXX XXXX XXXX XXXX Balance XXXX \nXXXX XXXX XXXX XXXX  Balance XXXX  \nXXXX XXXX XXXX XXXX Balance XXXX \nXXXX XXXX XXXX  Balance:XXXX\nXXXX XXXX XXXX Balance:XXXX\nXXXX XXXX XXXX Balance:XXXX\nXXXX XXXX XXXX Balance:XXXX\nXXXX XXXX XXXX XXXX Identifier:XXXX XXXX XXXX XXXX KY XXXX\nXXXX XXXX XXXX XXXX Identifier:XXXX XXXX XXXX XXXX KY XXXX\nXXXX XXXX XXXX XXXX Balance:XXXX\nXXXX XXXX  Balance XXXX\nXXXX XXXX XXXX XXXX Identifier: XXXX Federal\nXXXX XXXX XXXX XXXX Identifier: XXXX XXXXXXXXnXXXX XXXX XXXX XXXX XXXX XXXX XXXX Identifier: XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX Identifier:XXXX XXXX \nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX\nXXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX\nXXXX XXXX\nXXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX, KY, XXXX\nXXXX XXXX XXXX XXXX KY, XXXX\nXXXX XXXX XXXX XXXX KY, XXXX\nXXXX XXXX XXXX XXXX, KY, XXXX'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a claim for additional compensation from Bank of America through XXXX XXXX XXXX, I was denied XXXX stating that : My financial harm is not more than {$15.00} more than the funds I already received. I submitted close to XXXX documents as receipts used in my claim. Totaling more than {$45000.00}. Storage receipts, XXXX, Car loans, Credit card bills, Phone bills, Credit reports etc.... All of which shows my financial harm lasting through to present 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 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have a CashApp account that I only use to accept one rent payment each month. I accidentally sent the withdraw to a closed account at XXXX XXXX on XX/XX/2025. XXXX verified they returned the ACH on XX/XX/2025. I was able to obtain Trace Number and settlement date. It has been over ten days and Cash App states they did not receive it. They indicated I had to wait ten more business days beyond the ten days that I have already waited for the ACH to be returned to my CashApp account from XXXX. When I ask what the resolution is they indicate they can not do anything for ten more business days. No one can confirm that Cash App has received the funds despite being provided a trace and settlement date. There is no reason why a returned ACH should take 20+ days. I followed all of the instructions provided, and financial institutions can identify the status of an ACH with the trace. I believe they are not being truthful about the nature of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is reporting multiple inaccurate, unverifiable, and noncompliant items on my credit report, which violates the FCRA and Metro 2 standards. This includes a dismissed XXXX XXXX bankruptcy, several charge-off and collection accounts with conflicting or outdated data, and hard inquiries made without my consent. TransUnion also uses e-OSCAR to falsely mark disputes as " verified '' without proper investigation, as cited in CFPB v. TransUnion ( 2022 ). I submitted a dispute demanding manual reinvestigation and deletion of all negative and unverifiable information, including unauthorized inquiries. TransUnion has failed to comply.

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 2025-07-01 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: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: IL

Complaint narrative:
A student loan account is being reported on my credit file without my knowledge, authorization, or written consent. This is a direct violation of FERPA ( Family Educational Rights and Privacy Act ), which prohibits the disclosure of education recordsincluding student loan informationwithout the explicit written consent of the student. At no point did I authorize any lender, servicer, or credit bureau to access or share my education-related information.

Furthermore, under FCRA ( Fair Credit Reporting Act ) Section 605B ( 15 U.S.C. 1681c2 ), I have the right to block any information resulting from identity theft. I have already submitted a formal dispute and attached FTC documentation, yet the account continues to be reported without proper reinvestigation or removal.

This tradeline is not only unauthorized but also unverifiable. No credit bureau or furnisher has provided valid proof of consent, a promissory note, or any legal documentation establishing my responsibility for this debt. Continued reporting without proper validation violates FCRA Sections 1681n and 1681s-2, exposing these entities to civil and potentially criminal liability.

This unlawful reporting has damaged my credit score, impacted my financial opportunities, and caused severe emotional and XXXX distress. It also calls into question the integrity of how consumer data is handled following the Equifax and XXXX data breaches, which placed my personal information at risk.

Company response to consumer: Closed with non-monetary relief