vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: NC

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over XXXX  days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

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 2025-07-16 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: AL

Complaint narrative:
You recently responded to my CFPB complaint by providing copies of credit card statements and terms and conditions. However, this does not constitute full validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, nor does it meet the accuracy and completeness standards required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

You failed to provide : A copy of the original signed agreement allegedly executed by me ; A full itemized accounting of how the balance was calculated ; Documentation showing legal chain of assignment from the original creditor to XXXX XXXX  ; Any legal basis demonstrating your right to report this account to credit bureaus. 

Credit card statements alone are not sufficient proof of ownership, balance accuracy, or legal authority to collect. 

Until and unless you can provide complete validation of the alleged debt as required by federal law, you must : 1. Cease all collection efforts, written or verbal ; 2. Immediately request deletion of the tradeline from all credit bureaus ( Equifax, Experian, and TransUnion ) ; 3. Mark the account as disputed in compliance with 15 U.S.C. 1692e ( 8 ). 

Be advised : continued collection attempts or credit reporting without proper validation may constitute willful noncompliance, and I reserve the right to pursue all available remedies, including legal action.

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 2025-07-16 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: NY

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the accounts from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., Miller v. Equifax {$18.00} XXXX ; Thomas v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintainXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the accounts from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., Miller v. Equifax {$18.00} XXXX ; Thomas v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintainXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
I purchased a fixer using a hard money loan. XXXX XXXX serviced my loan. The property was rehabbed and listed for sale. An offer was accepted, and a payoff demand was delivered to escrow that was good through XX/XX/year>, by XXXX XXXX. Escrow closed on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX issued a demand for a shortage even though the payoff amount was good through XX/XX/scrub>XXXX XXXX Their reason was that the computer experienced a " glitch '' and did not provide a proper payoff amount. They said if I didn't pay the shortage, I'd accumulate {$94.00} per day for each day the shortage was not satisfied. The shortage amount was wired over to XXXX. 

During the time the property was getting rehabbed, I received a notice that FCI would take over the loan effective XX/XX/year>. The loan was paid in full on XX/XX/year>, seven days before FCI was to take over the loan. 

Fast forward to today, XX/XX/year>, FCI is now attempting to collect mortgage payments for this same loan. I have been threatened with late fees, delinquent accounts, and damage to my credit rating. This loan is paid in full as of XX/XX/year>. Neither XXXX nor FCI has returned my calls or responded to my email with a resolution. The two emails I got from FCI indicated that my inquiries, along with proof that the loan was paid, would be rerouted to the " appropriate department. '' This is unacceptable, and I fear they will ruin my good credit. 

This situation is frustrating and has caused me much anxiety. I have also lost time away from my everyday tasks and work. It has been over two months since the loan was paid in full, and I'm still being harassed about making a payment, with late and delinquent notices.

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 2025-07-16 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: IN

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX XXXX. I have been notified that I am a victim of the XXXX  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 2025-07-16 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: NJ

Complaint narrative:
My son broke his phone and received a new one. Same number. He has a sponsored cash app account. He has over {$2000.00} in bitcoin and over {$1000.00} in stock. When setting up his apps his apps he signed into cash app with phone number and his pin. Then it asked for his debit card info which he lost ( hes XXXX ) and when unable to provide it wouldnt allow him to log in. For 3 days I go through very basic trouble shooting with ai/bots and emails. They ask me all his information my information and answer correctly. They then say unfortunately their security system wont allow me access. Offer no further assistance and say they understand XXXX frustrated. Unfortunately without access XXXX dont believe I can transfer the funds he has and they seem at a lost at this point. Desperate father of a very sad XXXX XXXX XXXX looking for any help we can get. This money doesnt come by often and my son saved for 3 years earning that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-16 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: NJ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-16 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: TX

Complaint narrative:
Account # XXXX I'm unaware of thud debt and did not have the opportunity to dispute this account. If you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc

Complaint narrative:
On or around \ [ XX/XX/year> ], I received a notification from PayPal stating that my account had been * * permanently deactivated * * due to a change in my business model that they could no

longer support. The message referenced potential issues with how items or services were sold and delivered, or with inventory management. However, I have not received any detailed explanation or prior warning regarding any policy violations. I have been using PayPal to offer services ], and I have consistently ensured compliance with PayPals Acceptable Use Policy. The message also stated that my funds will be held for up to 180 days to cover potential financial liabilities, such as chargebacks. This action has significantly disrupted my business operations and financial planning. Here are some relevant details : * * * Date of account limitation notice : * * XXXX * * * Approximate balance held : * * XXXX XXXX XXXX XXXX XXXX  * * * Recent transactions prior to account action : [ {$200.00} payment on XX/XX/XXXX for a delivered product ] * * * Actions taken by me : * * Contacted PayPal Support via \ [ method used : email, Resolution Center, phone ] on \ [ XXXX ]. Awaiting response or further clarification.

I respectfully request a detailed explanation of the reason for the account deactivation, a review of this decision, and a timeline for the release of the held funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit report. I am a victim of identity theft, and as a result, multiple accounts and inquiries have been added to my credit file that I did not authorize or apply for. 

Attached to this letter is a document listing the specific accounts and inquiries I am disputing. I have also included a copy of the identity theft report I filed with the Federal Trade Commission ( FTC ), in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). 

Under the provisions of the FCRA, I request that these items be blocked and deleted from my credit report as they are the result of identity theft. I respectfully ask that you take immediate action to ensure my credit report reflects only accurate and authorized information. 

Please confirm in writing once the fraudulent information has been removed. If you require any additional documentation, feel free to contact me at the information listed below. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: DC

Complaint narrative:
I am filing this complaint because my Experian credit report contains inaccurate and conflicting information about an account with XXXXXXXX XXXX XXXXXXXX. 

Specifically : The account shows it was charged off in XX/XX/XXXX, yet the last payment date is listed as XX/XX/XXXX, which is impossible. 
The balance details are inconsistent : {$33000.00} is reported as written off on an original balance of {$31000.00}, with a past due amount of {$21000.00} still reported. 
The payment history reports multiple late payments after the account was charged off and closed, which violates FCRA reporting guidelines. 

I formally disputed these errors with Experian, but they did not provide verifiable documentation. This false information has harmed my credit score, caused denials of credit, and created undue stress. 

I request that the CFPB investigate this matter and compel Experian and XXXX XXXX  XXXX to verify the account fully or remove the inaccurate charge-off, balance, and payment history. I also request an updated copy of my corrected credit report. 

This reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) because : FCRA 607 ( b ) [

15 U.S.C. 1681e ( b ) ] requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of information.

FCRA 611 [ 15 U.S.C. 1681i ] gives me the right to dispute inaccurate or unverifiable information, and the CRA must remove it if the furnisher can not verify it.

FCRA 623 ( a ) ( 5 ) [ 15 U.S.C. 1681s-2 ( a ) ( 5 ) ] requires furnishers to promptly correct and update any information that is determined to be inaccurate or incomplete.

Experian failed to maintain maximum possible accuracy and did not properly verify the disputed account. The inaccurate charge-off, conflicting dates, and impossible payment history remain on my report, harming my credit and violating these sections of the 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 explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
The company sent information and did not send anything with my social security or validation of amounts or any billing. 

They have sent to my bank yet still have not provided any account information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
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