vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an Alleged account that you can not prove is mine.

You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: AL

Complaint narrative:
I am writing to formally dispute the charge-off account listed on my credit report, reported by XXXX XXXX XXXX I request an investigation into the accuracy and completeness of this entry, as I believe it may be inaccurate, incomplete, or unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to investigate disputed information, usually within 30 days of receiving a consumers dispute notice. 
15 U.S. Code 1681e ( b ) : Furnishers of information are required to maintain procedures to ensure maximum possible accuracy of the information they report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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 formally dispute the charge-off account listed on my credit report, reported by XXXX XXXX XXXX I request an investigation into the accuracy and completeness of this entry, as I believe it may be inaccurate, incomplete, or unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to investigate disputed information, usually within 30 days of receiving a consumers dispute notice. 
15 U.S. Code 1681e ( b ) : Furnishers of information are required to maintain procedures to ensure maximum possible accuracy of the information they 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 2025-06-07 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:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny. 
I have never been late on the account ( s ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( s ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor. 

This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} Date Opened : XX/XX/year>. 

Under 15 U.S. Code 1681 ( a ) : ( 1 ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust. 
( 3 ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers. 

Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA. 
The inaccurate late payment entry be permanently removed from my credit report. 
My credit file be updated to reflect my accurate payment history. 
Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigatedandremoved.

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 2025-06-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
Our first EIP payment was direct deposit and the second and third ( EIP ) was not received. We have contacted IRS for years. They told us via letters to contact XXXX. They never answered the phone. In fact it hung up on you automatically. Hundred of calls over four years. Then the IRS sends us a letter in XX/XX/XXXX stating contact XXXX before XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: AZ

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Transunion 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Transunion to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Transunion responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Transunion for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXXXXXX XXXX who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Transunions refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Transunion fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Transunion be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Transunions stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

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 2025-06-07 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: GA

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however that information has not been provided. Due to my information being exposed I have submitted an FTC complaint reporting the information I am not familiar with. Please find attached the copy of my ID, SSN, FTC complaint, XXXX  showing my information was exposed in a national data breach, and a validation of debt letter.

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 2025-06-07 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX, XXXX FIN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: BlueChip Financial
State: TX

Complaint narrative:
On XX/XX/year>, a person by the name of XXXX XXXX ( unsure if this is their real name ) fraudulently used my Social Security Number to apply for a payday loan at this company. The credit bureau provided the name, address, email address and telephone number of this person, however I don't know if this person provided their actual information when they applied for the loan. I am assuming an account number for the loan was not provided being the loan was not approved. 
It does not appear the loan was approved but I want to stop this person from trying to use my SSN any further and damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: LA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in theCFPB 's recent administrative proceeding ( XXXX XXXX. XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts are as follows : XXXX XXXX XXXX XXXX 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 2025-06-07 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: FL

Complaint narrative:
Subject : Complaint Regarding Charge-Off Account Lack of Required Form 1099-C ( 26 U.S.C. 6050P and FCRA 1681 ) To Whom It May Concern, I am writing to file a formal complaint regarding a charge-off account being reported by [ XXXX XXXX XXXX Florida XXXX without the issuance of a Form 1099-C, in apparent violation of 26 U.S. Code 6050P and possibly the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ).

Summary of the Issue : Creditor Name : XXXX XXXX XXXX Florida Original Account Number : XXXX Amount Charged Off : {$600.00} Charge-Off Date : [ XX/XX/year> ] Reporting Credit Bureaus : [ Experian, Equifax, TransUnion ] Under 26 U.S.C. 6050P, any applicable financial institution or creditor is required to file Form 1099-C with the Internal Revenue Service and furnish a copy to the borrower when {$600.00} or more of indebtedness is canceled. I have not received a 1099-C form nor any written communication regarding a cancellation or discharge of the debt. However, the debt has been reported as a charge-off on my consumer credit report.

Furthermore, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), information furnished to consumer reporting agencies must be accurate and not misleading. Reporting a charged-off balance without clarifying whether the debt has been forgiven or remains legally collectible creates a potentially deceptive representation of the accounts current status. 

My Requests : XXXX. Investigate whether [ XXXX XXXX XXXX Florida ] or their agent has complied with 26 U.S.C. 6050P by filing Form 1099-C with the IRS and providing a copy to me as the debtor.

2. Determine whether the current credit reporting practices of the creditor/debt collector violate the accuracy and integrity requirements of the FCRA.

3. Provide a written explanation as to whether this debt is still being pursued, was sold, or has been canceled in full or in part.

4. If the debt has been canceled and no 1099-C was issued, I ask that CFPB require the entity to correct the oversight and furnish a 1099-C as required by law.

5. If the debt has not been canceled, I request clarification on the current ownership and legal status of the account.

I am attaching the relevant pages from my credit report.

Thank you for your assistance in addressing this matter and helping ensure compliance with applicable consumer protection and tax reporting laws. 

Sincerely, [ 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 explanation
Consumer complaint received 2025-06-07 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:
What happened : This is my second time filing a complaint with the CFPB regarding this issue. 
I am reporting Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ). I previously submitted a complaint and a written dispute regarding a charge-off account from XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and a collection account from Diversified Adjustment ( XXXX ). I included my FTC Identity Theft Report, proof of identity, and requested full verification. 
Despite that, Experian responded with a generic " verified '' status and did not provide any documentation or validation. No signed contract, billing history, or proof of debt ownership was ever provided. 
Under FCRA 1681i, the bureau is required to conduct a reasonable reinvestigation. Under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Neither requirement has been fulfilled. 
Furthermore, XXXX XXXX never issued a XXXX tax form, which is typically required for charge-offs over {$600.00}. This calls into question the legitimacy of the charge-off classification. 
This continued failure to provide legally required documentation is harming my credit and finances. I request that these unverifiable accounts be removed immediately

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 2025-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
b'Nordstrom credit card  XXXX XXXX XXXX XXXX  to bank unlawfully closed my account  I submitted  proof of identity on a timely matter and they still close my card also I told them I had a disaster  in my home and they could set me up a new account  and wave  my fees and also set up new card banks supposed to  help their customers  if there is a disaster  like removing fees late fees and some interest  charges'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 2025-06-07 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:
The bureaus have informed me that they received my information and dispute letter, but refused to investigate further, claiming I used a credit repair company. Ive been repeatedly dismissed by the bureaus for months, and its becoming extremely frustrating. 
As a consumer, my rights are being violated, and Im left wondering how Im supposed to defend myself when the same issue keeps happening over and over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Apple Financing LLC
State: WA

Complaint narrative:
on XX/XX/year>2025, I tried logging into my apple cash wallet and I was surprised to find out that my account has been restricted due to not identifying my account. All my peers dont have this problem but I suddenly happen to have this problem, I would love for your team to help me take off the identification and I would really appreciate it. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
My name is XXXX XXXX. My date of birth is XX/XX/XXXX. My social security number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX  AND XXXX XXXX, also XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX, and a phone account from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, the following inquiries were unauthorized. please delete XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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