vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: MA

Complaint narrative:
Dear CFPB, XXXX Account XXXX I am filing a complaint regarding a debt collection account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation. 
Under my rights granted by the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ( b ) ) and the Fair Credit Reporting Act ( XXXX U.S.C. XXXX et seq. ), I have demanded full validation of the debt, including : - [ x ] Original Credit Agreement proves the contract I signed - [ x ] Full Itemized Statement shows how the balance was calculated - [ x ] XXXX XXXX Agreement proves debt was legitimately transferred to collector - [ x ] Chain of Title / Assignment Documents shows proper legal transfer of debt ownership - [ x ] Payment History Records verifies payments made or missed - [ x ] Validation Notice per FDCPA XXXX USC XXXX proof they sent me proper notice - [ x ] Notice of Default or Intent to Collect proof of communication as required by law - [ x ] Proof of Statute of Limitations confirms the debt is still legally collectible - [ x ] Credit Reporting Agreement agreement allowing them to report to bureaus - [ x ] Documentation of Dispute Investigations proof they investigated my previous dispute under FCRA XXXX USC XXXX If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA XXXX ( b ), XXXX ( b ) and may result in liability under FCRA XXXX and FDCPA XXXX. 
Furthermore, I submitted a cease and desist notice under FDCPA XXXX ( c ) / XXXX XXXX Code XXXX ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XXXXXX/XX/XXXX SSN ( last 4 ) : XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX  Re : Formal Dispute of Inaccurate, Fraudulent, and Unverifiable Accounts under the FCRA To Whom It May Concern, I am disputing multiple accounts and personal information entries appearing on my TransUnion credit report. These are inaccurate, incomplete, unauthorized, and/or fraudulent. My information has been compromised in 12 separate data breaches, which increases the likelihood that fraudulent accounts have been created in my name.

Pursuant to 15 U.S.C. 1681e ( b ), TransUnion is obligated to ensure maximum possible accuracy of reported information. The following disputed accounts must be deleted immediately unless verified with legally admissible documentation : ( Insert same 40+ itemized account list you provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. ) The following outdated addresses and employer entries must also be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Additional accounts with unverifiable late payments and reporting errors : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX Legal Basis for Deletion : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requires prompt deletion of unverifiable or inaccurate information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishing inaccurate consumer information.

15 U.S.C. 1681c : Obsolete or outdated information must be purged.

Given my breach history and the lack of verifiable ownership for many of these accounts, they must be permanently deleted.

Demand for Action : Complete reinvestigation within 30 days as required by law.

Provide written confirmation of all deletions.

Provide the exact method of verification for any information retained.

If TransUnion fails to comply, I will escalate to the CFPB, FTC, and State Attorney General for willful violations of the FCRA.

Sincerely, XXXX XXXX Enclosures : Proof of Identity, Breach Evidence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XXXXXX/XX/XXXX SSN ( last 4 ) : XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX  Re : Formal Dispute of Inaccurate, Fraudulent, and Unverifiable Accounts under the FCRA To Whom It May Concern, I am disputing multiple accounts and personal information entries appearing on my TransUnion credit report. These are inaccurate, incomplete, unauthorized, and/or fraudulent. My information has been compromised in 12 separate data breaches, which increases the likelihood that fraudulent accounts have been created in my name.

Pursuant to 15 U.S.C. 1681e ( b ), TransUnion is obligated to ensure maximum possible accuracy of reported information. The following disputed accounts must be deleted immediately unless verified with legally admissible documentation : ( Insert same 40+ itemized account list you provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. ) The following outdated addresses and employer entries must also be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Additional accounts with unverifiable late payments and reporting errors : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX Legal Basis for Deletion : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requires prompt deletion of unverifiable or inaccurate information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishing inaccurate consumer information.

15 U.S.C. 1681c : Obsolete or outdated information must be purged.

Given my breach history and the lack of verifiable ownership for many of these accounts, they must be permanently deleted.

Demand for Action : Complete reinvestigation within 30 days as required by law.

Provide written confirmation of all deletions.

Provide the exact method of verification for any information retained.

If TransUnion fails to comply, I will escalate to the CFPB, FTC, and State Attorney General for willful violations of the FCRA.

Sincerely, XXXX XXXX Enclosures : Proof of Identity, Breach Evidence

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 2025-08-20 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: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate, unverifiable, and potentially unauthorized information being reported on my credit report. Despite my formal written dispute to the credit reporting agency, these items remain unresolved. I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Summary of Issues : Inaccurate Late Payments on Closed Accounts Accounts : XXXX XXXX XXXX ( ending in XXXX XXXX XXXX ), XXXX XXXX ( ending in XXXX XXXX XXXX XXXX XXXX  ) These accounts are closed with {$0.00} balances, yet still report late payments, which is misleading and damaging.

FCRA 607 ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy.

FCRA 611 ( a ) : Grants consumers the right to dispute and request reinvestigation of inaccurate data.

Charged-Off Accounts Without Validation Accounts : XXXX XXXX ( ending in XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX  ( ending in XXXX XXXX XXXX XXXX XXXX ) I requested verification of these charge-offs, including balances, delinquency dates, and accuracy, and received no proper response.

FCRA 611 : If a furnisher can not verify the information, it must be corrected or deleted.

Unvalidated Collection Accounts Accounts : XXXX XXXX XXXX XXXX XXXX XXXX I requested proof of ownership, accuracy, and legal authority to collect these debts.

FCRA 609 ( a ) ( 1 ) : Entitles me to all information in my file, including sources and verification.

No proper validation has been provided.

Unauthorized or Questionable Hard Inquiries Inquiries from lenders and auto dealers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. ) between XX/XX/XXXX and XX/XX/XXXX I did not authorize these hard pulls and received no application confirmations.

FCRA 604 ( a ) ( 3 ) : A credit report may only be accessed with permissible purpose, such as a credit application I initiated.

These inquiries appear to lack authorization or proper documentation.

What I Am Requesting : Immediate investigation and enforcement regarding the credit bureaus and/or data furnishers handling of these items Removal or correction of inaccurate late notations Full validation or deletion of charged-off and collection accounts Deletion of unauthorized inquiries that lack proof of permissible purpose Enforcement of FCRA 604, 607, 609, and 611

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 2025-08-20 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:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Open Date : XX/XX/year> Balance : {$26000.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-20 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX Balance {$1100.00}, XXXX XXXX Balance {$2500.00}, XXXX Balance {$900.00}, XXXX  Balance {$3000.00}, XXXX XXXX XXXX Balance {$500.00}, XXXX Balance {$120.00}, XXXX XXXX Balance {$20000.00}, XXXX XXXX Balance {$18000.00}, XXXX  XXXX Balance {$15000.00}, XXXX Balance {$1100.00}, XXXX XXXX XXXX XXXX Balance {$2300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX Balance {$1100.00}, XXXX XXXX Balance {$2500.00}, XXXX Balance {$900.00}, XXXX  Balance {$3000.00}, XXXX XXXX XXXX Balance {$500.00}, XXXX Balance {$120.00}, XXXX XXXX Balance {$20000.00}, XXXX XXXX Balance {$18000.00}, XXXX  XXXX Balance {$15000.00}, XXXX Balance {$1100.00}, XXXX XXXX XXXX XXXX Balance {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express concerns with Zelles handling of disputes, particularly in light of the recent CFPB Lawsuit, highlighting significant issues with the platform. despite using Zelle numerous of times and reporting discrepancies my financial institution failed and Zelle to investigate my claim claims adequately. They informed me that recovery lost funds was impossible and unfeasible. The CFPBs findings indicate that Zelle has not only neglected the consumers, but also allowed repeat offenders to exploit the system leaving users, vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: CA

Complaint narrative:
I called the credit card company XXXX on XXXX XXXX XXXX  after receiving a false monthly credit report. It stated that I had a late transaction fee. I called and gave all the information on my account and they would file with equifax. They said I would receive a reply in the mail in the next thirty days. The letter states that they can not investigate the dispute because they lack information pertaining to the exact information on the credit report that I am disputing and the they could not locate the account. They have taken no other action than sending me a letter explaining why they will not conduct an investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One Quicksilver Card Balance is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: AL

Complaint narrative:
To Whom It XXXX Concern, This letter is a formal request for validation of an alleged debt. I do not acknowledge any liability or claim. Under the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX Code XXXX, I request that you provide the following : - The original signed contract or agreement with the creditor - A full itemized accounting of the amount claimed- The chain of assignment or purchase agreement proving you own the debt - The name and contact information of the original creditor Until the above information is provided, I request that all collection activity cease and this account not be reported to any credit bureaus. If this debt is already being reported, you must notify all credit bureaus that it is being disputed. 
Sincerely, [ XXXX 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 2025-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I submitted formal disputes to the credit bureaus regarding multiple collection accounts that are inaccurate, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ). These disputes were submitted over 30 days ago, and the bureaus failed to remove or correct the accounts despite the lack of proper validation from the furnishers. Under FCRA 611 ( a ) ( 1 ) ( A ), the bureaus are required to conduct a reasonable reinvestigation within 30 days. I provided supporting documentation, including identity verification and proof of address, yet the accounts remain unchanged. 

Additionally, the furnishers did not provide adequate verification as required under FCRA 623 ( b ), and some accounts were reported without permissible purpose, violating FCRA 604 ( a ). I believe this constitutes willful noncompliance and negligence under FCRA 616 and 617.

I am requesting the CFPB to investigate the failure of the credit bureaus and furnishers to comply with federal law and remove these unverifiable collection accounts from my credit report.

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 2025-08-20 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: AZ

Complaint narrative:
For almost over a month I have provided information that is requested and, I have received nothing. On XX/XX/XXXX my daughter sent me XXXX dollars. Cashapp has been illegally holding my money for a month. I have tried to resolve my issue with cashapp and they will not release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting your help to review accounts from these companies that are inaccurately reporting late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment remarksplease remove them and update each account to the agreed positive status. Furthermore, one account is being wrongly shown as delinquentit needs to be formally disputed and corrected to reflect no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
I am writing to formally dispute and request validation of a collection account reported by [ Collection Agency Name ] related to [ Original Creditor ]. I request a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) 611.

The information being reported is inaccurate and unverifiable. The collection agency has not provided sufficient documentation including : - Proof of the original signed contract - Full account history with itemized charges - Purchase or assignment agreement authorizing collection If this information can not be verified, please remove the account immediately and send written confirmation of its removal. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/year> Balance : {$35000.00}

Company response to consumer: Closed with non-monetary relief