vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: OH

Complaint narrative:
Subject : Request for Full Disclosure of XXXXXXXX XXXX XXXXXXXX Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am writing to request all information contained in the full consumer report that XXXX  XXXX  has on me. I believe this information may assist in addressing concerns regarding this inquiry and ensuring my rights are protected. 

Specifically, I am requesting A complete copy of the full consumer report that XXXX XXXX has on me. 
Any additional details or documentation related to this inquiry that may assist in resolving this matter. 
I am seeking your assistance as the overseeing consumer agency to ensure that I receive all relevant information and that this issue is handled appropriately. Please let me know if additional documentation is needed to process my request. 

You may contact me at [ your phone number ] or [ your email address ] for further communication. Thank you for your attention and support in this matter. 

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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Schreiber Law LLC
State: MA

Complaint narrative:
I received a XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXX, XXXX  ) filed by Schreiber Law , LLC on XX/XX/year> on the behalf of XXXX XXXX XXXX. It states that they are suing me for {$790.00}, plus {$50.00} court cost. I also received a notice from Schreiber Law , LLC on XX/XX/year> claiming that I owe XXXX XXXX, XXXX {$840.00}. On XX/XX/year> I received a response from XXXX, XXXX from a previous complaint filed through the CFPB XXXX on XX/XX/year> demanding a Request for Debt Validation Pursuant to 15 U.S.C. 1692g ( b ). XXXX failed to provide an adequate validation of the alleged debt. Attached in a XXXX dispute letter to be forwarded to Schreiber Law , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
So I was paying on my trip to a company called XXXX to XXXX. For the the total of {$190.00} and for {$190.00}. The owner of this merchant has suddenly died in car accident. I was told to contact my bank and dispute all my transactions that I made with the bank, which I did. They gave me a temporary credit, while they investigate. I was told to turn in proof which I did. I later got a letter saying my claim was denied because its over the XXXX  days. And now my account has a negative for XXXX of the reversal credits. So basically I'm out of money and out of a trip that wasn't my fault. PLEASE HELP ME GET MY MONEY BACK PLEASE

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 monetary relief
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I bought a XXXX  XXXX XXXX XXXX at XXXX XXXX on XX/XX/XXXX, XXXX signed a contract for a XXXX auto loan, but the bank received paperwork showing XXXX  months. The dealership said they corrected it, but the bank has no record of any update. I want the loan corrected to reflect the agreed XXXX term.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: KY

Complaint narrative:
This is a legitimate and urgent complaint. My credit report contains inaccurate information that fails to meet the legal standard of maximum possible accuracy and is causing serious, ongoing harm. These errors must be thoroughly investigated and either corrected or permanently removed without 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 non-monetary relief
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
After reviewing my Equifax credit report i see accounts that aren't mines and must be on there due to identity theft. Here are the accounts below : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am formally disputing the collection account your company is reporting under PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX  ) account XXXX XXXXXXXX and XXXX. I do not recognize this account, and I was never notified about it prior to seeing it on my credit report. I have never received any letter, notice, or validation from your agencyno explanation of the alleged debt, no itemized breakdown of the amount, and no proof that you have the legal authority to collect on it. Under Regulation F of the Fair Debt Collection Practices Act ( 12 CFR 1006.34 ( b ) ( 5 ) ), I have the right to receive a complete validation notice that includes the name of the original creditor, a full breakdown of the balance, and evidence of your right to collect this debt. You failed to provide any of these. This also violates 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which requires you to notify me of my right to dispute the debt before reporting it. Additionally, furnishing unverified information to the credit bureaus without my consent violates 15 U.S.C. 1681e ( b ) and 1681b of the Fair Credit Reporting Act. I am demanding that you immediately provide me with all of the following : ( 1 ) a complete validation notice, ( 2 ) a copy of any signed agreement bearing my signature, ( 3 ) a detailed breakdown of the alleged balance, and ( 4 ) documentation proving your authority to collect on behalf of XXXX XXXX XXXX. If you can not provide these, then the account MUST BE PERMANENTLY DELETED from all consumer reporting agencies. Reporting unverifiable and unauthorized information is harmful, unfair, and illegal. I expect a written response confirming the results of your investigation and immediate removal of this account from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and should be blocked : Fraudulent Accounts to Be Removed : 1. ACCOUNT DETAILS : Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Opened : XX/XX/XXXX Balance Owed : {$0.00} Fraudulent Inquiries to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data.

I have contacted the Equifax, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy.

I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action.

Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: AL

Complaint narrative:
On XX/XX/year>, I deposited a XXXXXXXX XXXX check into my Cash App account. This check was issued for my XXXX  XXXX compensation, a federally guaranteed benefit. 

Despite the check being government-issued and easily verifiable, Cash App ( through XXXXXXXX XXXX XXXX placed a 7-day hold on the funds, stating they will not be available until XX/XX/year>, at XXXX XXXX XXXX. I contacted customer support and received a generic response from a support manager that failed to provide any specific policy, regulation, or security reason to justify this delay. 

This delay is causing financial harm and is inconsistent with standard banking practices for federal checks. Most banks and financial platforms release such funds within XXXX business days- some even instantly. I requested a clear explanation, but the company has not provided one. I believe this may violate Regulation CC, which governs funds availability, or at the very least reflects an unfair and deceptive business practice, especially toward veterans relying on timely benefit access. 

I am requesting CFPB review and intervention. Cash AppXXXXXXXX XXXX should not be allowed to delay access to secure government funds without clear justification. This issue may be affecting many other consumers, particularly veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete.

I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete.

I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I have disputed multiple inaccurate, incomplete, and unverifiable accounts with Experian. These accounts include medical collections, a charge-off, and an account sold to a debt buyerall of which were either not validated, are internally inconsistent, or violate consumer protection statutes.

Despite providing documentation, requesting reinvestigations, and waiting the required 30 days, Experian failed to properly investigate or delete the following items : 1. * * XXXX XXXX * * A medical collection with no documented validation or permissible purpose. Potential HIPAA and FCRA 1681b ( g ) violation.

2. * * XXXX XXXX XXXX * * Medical collection lacking documentation. Reporting violates FCRA 1681e ( b ) and 1681i ( a ) ( 5 ).

3. * * XXXX XXXX XXXX XXXX * * A disputed debt buyer account that has never been validated or linked to a signed agreement. Still remains on file in violation of FCRA 1681s-2 ( b ).

4. * * XXXX XXXX XXXX XXXX XXXX * * An account marked as " Paid/Closed '' but includes contradictory late payment data. Experian refuses to reconcile this inconsistency, which violates FCRA 1681e ( b ). 
5. * * XXXX XXXX XXXX * * Reported as charged off and paid in full, while also sold. The conflicting remarks constitute an inaccuracy under 1681e ( b ). 

I submitted a formal dispute package on XX/XX/year>2025, including : - Cover letter - Five legally compliant dispute letters- Copy of my Texas driver license - Current lease agreement ( proof of address ) I demand the CFPB investigate this matter and require Experian to : - Provide full documentation ( contracts, billing history, chain of title ), or - Permanently delete these unverifiable and inaccurate accounts from my report.

Failure to address these concerns within the required time constitutes willful noncompliance under the FCRA and may result in further legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I have disputed multiple inaccurate, incomplete, and unverifiable accounts with Experian. These accounts include medical collections, a charge-off, and an account sold to a debt buyerall of which were either not validated, are internally inconsistent, or violate consumer protection statutes.

Despite providing documentation, requesting reinvestigations, and waiting the required 30 days, Experian failed to properly investigate or delete the following items : 1. * * XXXX XXXX * * A medical collection with no documented validation or permissible purpose. Potential HIPAA and FCRA 1681b ( g ) violation.

2. * * XXXX XXXX XXXX * * Medical collection lacking documentation. Reporting violates FCRA 1681e ( b ) and 1681i ( a ) ( 5 ).

3. * * XXXX XXXX XXXX XXXX * * A disputed debt buyer account that has never been validated or linked to a signed agreement. Still remains on file in violation of FCRA 1681s-2 ( b ).

4. * * XXXX XXXX XXXX XXXX XXXX * * An account marked as " Paid/Closed '' but includes contradictory late payment data. Experian refuses to reconcile this inconsistency, which violates FCRA 1681e ( b ). 
5. * * XXXX XXXX XXXX * * Reported as charged off and paid in full, while also sold. The conflicting remarks constitute an inaccuracy under 1681e ( b ). 

I submitted a formal dispute package on XX/XX/year>2025, including : - Cover letter - Five legally compliant dispute letters- Copy of my Texas driver license - Current lease agreement ( proof of address ) I demand the CFPB investigate this matter and require Experian to : - Provide full documentation ( contracts, billing history, chain of title ), or - Permanently delete these unverifiable and inaccurate accounts from my report.

Failure to address these concerns within the required time constitutes willful noncompliance under the FCRA and may result in further legal escalation.

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 2025-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
On or about XX/XX/XXXX, I entered into a Retail Installment Sales Contract for a XXXX XXXX XXXX ( XXXX : XXXX ) through XXXX of XXXX XXXX, and the account was subsequently assigned to GM Financial. 

I am filing this complaint because GM Financial has failed to provide proper legal notice of repossession, in direct violation of UCC 9-611, which requires a creditor to provide a Notice of Default and a Right to Cure prior to any repossession action. No such notice was mailed or delivered to me. I was not given the opportunity to reinstate, redeem, or cure the alleged default, nor was I informed of any post-repossession disposition or sale of the collateral. 

Additionally, I have submitted a conditional acceptance and demand for validation of the alleged debt under the Truth in Lending Act ( TILA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Uniform Commercial Code. GM Financial has not provided any response showing proof of their lawful status as holder in due course, nor any evidence of the assignment, securitization, or accounting of the alleged obligation. 
These actions constitute deceptive and unfair practices, deny me due process, and may involve fraudulent concealment of material facts. I am requesting the CFPB to investigate GM Financial 's failure to provide legally required notices, account validation, and to stop any unlawful reporting or enforcement actions on this account until compliance is met.

Company response to consumer: Closed with explanation