vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX [ Todays Date ] XXXX XXXX, XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Debt Dispute, Flow of Assignment Request, and Cease and Desist Original Creditor : World Finance XXXX XXXX Mississippi, XXXX Account Number : XXXX To Whom It May Concern, This letter is a formal notice of dispute regarding the above-referenced account, which has been reported to my credit file and is now allegedly owned by XXXX XXXX, XXXX XXXX 

According to a recent response from World Acceptance Corporation dated XX/XX/XXXX, this account was charged off and subsequently sold to XXXX XXXX on or around XX/XX/XXXX. I dispute the accuracy and validity of this debt and am exercising my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681i ).

I hereby request the following documentation : 1. Full validation of the alleged debt, including a breakdown of the amount claimed, itemized payment history, and any fees applied.

2. A complete flow of assignment, including all documents evidencing the transfer and sale of the account from World Finance to XXXX XXXX, with dates and signatures. 
3. The original contract bearing my wet signature, which legally obligates me to the alleged debt.

4. Any securitization documents, if the account was pooled or sold as part of a debt instrument. 

Until the above documentation is provided, I demand that all collection activity cease immediately, including any reporting to the credit bureaus, phone calls, emails, or letters. Any failure to validate the debt or produce the flow of assignment will constitute a continued violation of my consumer rights. 

Additionally, this letter shall serve as formal notice to cease and desist all further communication with me regarding this matter, unless and until full validation is provided. 

Please note that if your company continues to report inaccurate or unverifiable information to the credit bureaus, I will not hesitate to pursue all available legal remedies under federal law, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

You XXXX respond in writing to the address or email listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I am submitting this complaint to dispute unauthorized hard inquiries listed on my credit report. I did not initiate any applications or authorize these entities to access my credit file.

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, only parties with a permissible purpose and explicit consumer consent are allowed to perform a hard credit inquiry. These inquiries occurred without my knowledge or approval, and I believe they were made in error or fraudulently.

I am requesting the Consumer Financial Protection Bureau to investigate this matter and ensure these unauthorized inquiries are removed from my credit reports by the appropriate credit reporting agencies. For these inaccuracies and unauthorized accounts/information being reported have been detrimental to my life and credit health. 

These accounts being : 1. XXXX XXXXXXXX XXXX : XX/XX/XXXX & XX/XX/year>2024 2. XXXX XXXX  : XX/XX/year>2024 3. XXXX XXXX : XX/XX/XXXX & XX/XX/year>2024 4. XXXX XXXX  : XX/XX/year>2024 5. XXXXXXXX XXXX : XX/XX/scrub> 2024 6. XXXXXXXX XXXX : XX/XX/XXXX & XX/XX/year>2024 7. XXXX XXXX : XX/XX/scrub> 2024 2024

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hard inquires were reported on my credit report without my consent or knowledge as well as a collection without a wet signature from me confirming the debt. As well as inadequate documentation and information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hard inquires were reported on my credit report without my consent or knowledge as well as a collection without a wet signature from me confirming the debt. As well as inadequate documentation and information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple inaccurate and potentially non-compliant accounts appearing on my credit report. These accounts violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 credit reporting standards.

Please conduct a full reinvestigation of each account listed below. I request the deletion of any account that can not be fully verified with accurate documentation, including full chain of assignment, contract, and payment history. 

XXXX. XXXX XXXX XXXXXXXX Account # : XXXX Issue : Charged-off status with XXXX negative months. Discrepancies in date of first delinquency, last payment ( reported XX/XX/XXXX ), and charge-off timing ( XX/XX/XXXX ). No chain of assignment documentation. 

Requested Action : Validate all data or delete the account if unverifiable. 

XXXX. The XXXX XXXX XXXX  Account # : XXXX Issue : Charged off with {$100.00} balance. Inconsistencies in reported charge-off date ( XX/XX/XXXX ) vs. payment activity. 

Requested Action : Validate delinquency and charge-off timeline or delete. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX Original Creditor : XXXX XXXX Balance : {$2500.00} Issue : No supporting documentation for debt ownership or assignment chain. XXXX and charge-off date not confirmed. 

Requested Action : Provide complete validation or delete this collection. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account # : XXXX Original Creditor : XXXX XXXX : {$620.00} Issue : No itemized billing, contract, or verified assignment. Disputed under FDCPA 809 ( b ). 

Requested Action : Delete if proper documentation can not be produced. 

XXXX. XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) Account # : XXXX Original Creditor : XXXX XXXX : {$710.00} Issue : Collection with no payment history, missing or inconsistent DOFD. 

Requested Action : Validate or delete. 

Legal Basis for Dispute FCRA 611 & 623 : Credit data must be accurate and verifiable. Inaccurate or unverifiable accounts must be deleted. FDCPA 809 ( b ) : Consumers have the right to request full validation from debt collectors. Metro 2 Reportin
g Standards : All derogatory data must be complete and correctly formatted ( e.g., DOFD, charge-off coding, date consistency ).

15 U.S.C. 1681e ( b ) : Credit bureaus must ensure maximum possible accuracy.

Please reinvestigate each item and provide a written response, including the method of verification used and any supporting documentation. 

If you can not fully verify and validate any account listed above, I respectfully request that you remove it from my file entirely.

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 2025-05-21 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple inaccurate and potentially non-compliant accounts appearing on my credit report. These accounts violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 credit reporting standards.

Please conduct a full reinvestigation of each account listed below. I request the deletion of any account that can not be fully verified with accurate documentation, including full chain of assignment, contract, and payment history. 

XXXX. XXXX XXXX XXXXXXXX Account # : XXXX Issue : Charged-off status with XXXX negative months. Discrepancies in date of first delinquency, last payment ( reported XX/XX/XXXX ), and charge-off timing ( XX/XX/XXXX ). No chain of assignment documentation. 

Requested Action : Validate all data or delete the account if unverifiable. 

XXXX. The XXXX XXXX XXXX  Account # : XXXX Issue : Charged off with {$100.00} balance. Inconsistencies in reported charge-off date ( XX/XX/XXXX ) vs. payment activity. 

Requested Action : Validate delinquency and charge-off timeline or delete. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX Original Creditor : XXXX XXXX Balance : {$2500.00} Issue : No supporting documentation for debt ownership or assignment chain. XXXX and charge-off date not confirmed. 

Requested Action : Provide complete validation or delete this collection. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account # : XXXX Original Creditor : XXXX XXXX : {$620.00} Issue : No itemized billing, contract, or verified assignment. Disputed under FDCPA 809 ( b ). 

Requested Action : Delete if proper documentation can not be produced. 

XXXX. XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) Account # : XXXX Original Creditor : XXXX XXXX : {$710.00} Issue : Collection with no payment history, missing or inconsistent DOFD. 

Requested Action : Validate or delete. 

Legal Basis for Dispute FCRA 611 & 623 : Credit data must be accurate and verifiable. Inaccurate or unverifiable accounts must be deleted. FDCPA 809 ( b ) : Consumers have the right to request full validation from debt collectors. Metro 2 Reportin
g Standards : All derogatory data must be complete and correctly formatted ( e.g., DOFD, charge-off coding, date consistency ).

15 U.S.C. 1681e ( b ) : Credit bureaus must ensure maximum possible accuracy.

Please reinvestigate each item and provide a written response, including the method of verification used and any supporting documentation. 

If you can not fully verify and validate any account listed above, I respectfully request that you remove it from my file entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm writing to dispute an item on my credit report that is incorrect and needs to be addressed immediately. After reviewing my report, I found information that either doesnt belong to me, is inaccurate, or was added without proper verification.

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 2025-05-21 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: MI

Complaint narrative:
Dear CFPB, Im writing to file a complaint about a money transfer I made using Remitly that still hasnt been resolved. 

On XX/XX/year>, I sent money to XXXX XXXX XXXX XXXX in XXXX through Remitly. The transaction was a bank deposit to XXXX XXXX XXXX, and the app shows the transfer as Completed. But the recipient never received the funds. He even went to the bank in person, and they confirmed there was no deposit in his account. 

Here are the details : Reference Number : XXXX Bank Name : XXXX XXXX XXXX XXXX : XXXX Sender : XXXX XXXX Transfer Type : Bank Deposit I contacted Remitly support right away. The agent was polite and said they would escalate the case to their internal team, but asked me to wait three business days for a follow-up. They also claimed the money was credited, but again, the recipients bank says nothing has arrived. 

This transfer was sent for an urgent medical need, and this delay is causing real stress and harm. At this point, Im asking for one of two things Proof from the recipients bank that the money was actually deposited into the account ; or If thats not possible, I want a full refund as soon as possible.

Ive attached the transcript of my conversation with Remitly for reference. Im hoping CFPB can help move this forward and ensure Im not left without a resolution. 

Thank you for your time and support. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: WI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently noticed an inquiry on my credit report that I did not authorize. This inquiry was done online without my knowledge or consent, and I consider it to be fraudulent.

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 2025-05-21 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm writing to dispute an item on my credit report that is incorrect and needs to be addressed immediately. After reviewing my report, I found information that either doesnt belong to me, is inaccurate, or was added without proper verification.

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 2025-05-21 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:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: OH

Complaint narrative:
Im writing in regard to an account currently listed on my credit report. Im requesting that you certify all the data tied to this account as belonging specifically and solely to me.

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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

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