vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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 hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$9700.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : 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 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I successfully initiated wire transfers from my Citi bank checking account on the XXXX and XXXX of XX/XX/year> to two XXXX XXXX  companies which are XXXX with the amount of {$45000.00} XXXX # XXXX and XXXX XXXX XXXX and the amount was {$45000.00} respectively. Unfortunately bank decided to close my account which led the XXXX XXXX XXXXompanies to cancel my orders and i have been making calls with them back and forth and I've been told that my bank would get the money credited back to my account. Anytime i call Citi bank and tell them my order has been cancelled and they were going to send my balance back to my account. I'm not always given a straight answer. They keep telling me my bank is closed and no money can go in and out of the account

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 2025-06-26 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: OH

Complaint narrative:
I am writing to formally request a detailed description of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, in accordance with 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this provision, I am entitled to a full explanation of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your responsibilities under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NC

Complaint narrative:
Dear Experian Dispute Department, I am writing to once again dispute and demand the immediate and permanent removal of the following fraudulent account from my Experian credit report : XXXX Account ending in XXXX This account has been removed and reinserted XXXX separate times, each reinsertion occurring without the legally required written notice or verification documentation. To date, Experian has not provided any certification from XXXX, nor disclosed the verification method, both required under FCRA 1681i ( a ) ( 6 ).

Such repeated reinsertion without consumer notice or verification violates FCRA1681i ( a ) ( 5 ) ( B ), which mandates : 1. Notification to the consumer within five business days prior to reinsertion.

2. Certification from the furnisher verifying accuracy before reinsertion. 
During the latest dispute, I spoke with an Experian fraud representative by phone and was assured the account would be deleted and permanently blocked. However, it remains on my reportunverified and unjustified. Additionally, both XXXX XXXX XXXX have compiled with the law. 
I have already submitted full identity theft documentation required for FCRA XXXX XXXX ( a ), including : Copy of government-issued ID Proof of current address Signed FTC Identity Theft Report Police report Signed affidavit of identity theft Yet Experian has failed to : Conduct a reasonable reinvestigation Provide verification or certification from XXXX Disclose its verification process These failures align with the practices cited in the XXXX XX/XX/year>, lawsuit, which accused Experian of conducting sham investigations, failing to reinvestigate properly, and wrongly reinserting tradelines without adequate procedures. The CFPB further alleges that Experians faulty dispute handling threatens consumer credit, employment, and housing opportunities As a result, Experian is now under federal injunction to stop improper reinsertion of previously deleted tradelines, accurately investigate disputes, and compensate harmed consumers. 
Therefore, I demand within 15 calendar days : Immediate and permanent deletion of the XXXX account ( ending in XXXX ) from my Experian file. 
A written summary of the steps Experian took during the reinvestigation. 
Copies of all documentation received from XXXX to verify or reinsert the account. 
Should these demands remain unmet, I will file complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and North Carolina Attorney General. I will also pursue civil action under FCRA 1681n and 1681o, including statutory and punitive damages and attorneys fees. 
I anticipate your prompt, lawful resolution. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2025-06-26 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: MI

Complaint narrative:
company is reporting wrong information, i reported car stolen in XXXX of XXXX not XXXX of XXXX, the police report i sent clearly has the date, this shows like i said that they are providing wrong information. credit acceptance is XXXX of the worst rated auto loan company s they have been sued and had many many complainants filed against them, they also lied and said this would be removed from my credit if i paid off settlement which is illegal by law, i called the credit department and they was supposed to pull the phone call of this conversation but of course i haven't heard anything back about that. also XXXX never called me, and i bet she doesn't have proof that she called me and left voicemail like she stated she did in my response to last complaint

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 2025-06-26 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: CA

Complaint narrative:
Recently checking my TransUnion credit report I noticed that I have been a victim of identity theft and found credit inquiries I do not recognize. These are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent inquiries from my credit report. 

Attached will be my identity theft 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 non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Cavalry Portfolio Services is reporting a debt to the credit bureaus without providing proper debt validation as required by federal law. I have not received any of the validation notices they claim to have sent. These notices were allegedly mailed on several dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> ), yet I never received a single one. None were sent via certified mail or with any proof of delivery.

Despite this, Cavalry began reporting the debt to my credit profile without confirming I was properly notified or given the opportunity to dispute it within the 30-day window. This violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Additionally, this account had previously been removed from my credit report and was reinserted without notification, which may also violate the Fair Credit Reporting Act ( FCRA ). 

I have requested full validation, including original documents, a breakdown of the debt, proof Cavalry legally owns the debt, and certified proof of delivery of any notices. To date, they have failed to comply.

I am requesting that Cavalry : Cease all collection efforts Provide full debt validation with proof of delivery Remove the tradeline from my credit reports until proper validation is provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: VA

Complaint narrative:
I have attempted to open an account with cashapp and everytime I do before I can activate the card and account they close it stating that there is fraudulent activity. I have not been given a reason, what the activity is, why they are doing this before I can even get the account activated or anything. It is becoming frustrating and I do not understand why. They refuse to give me a reason or what fraud was committed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: MD

Complaint narrative:
I am writing to formally request a detailed description of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, in accordance with 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this provision, I am entitled to a full explanation of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your responsibilities under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
on XX/XX/year> I called sofi bank to dispute transactions and they have not given me a update as far as getting credited to my account or any update. the amount was {$380.00} and im still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I sent out XXXX letters to Portfolio Recovery via the XXXX credit bureaus from the XXXX of XXXX to the XXXX of XX/XX/year>. I received no response within the set period of 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was redirected to XXXX while checking out from another website. I assumed I was completing a purchase for a physical product. XXXX instead created a cryptocurrency wallet in my name and converted my {$140.00} into XXXX  without my consent. 

I disputed the transaction with PayPal, but they denied my case twice, citing XXXX  policy even though I did not agree to buy XXXX. This was clearly a deceptive payment flow and misuse of my funds. 

XXXX acknowledges receiving the funds but refuses to refund them. PayPal refuses to protect me despite their duty to protect consumers from misrepresented transactions. 

XXXX case number : XXXX PayPal case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NY

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 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 explanation
Consumer complaint received 2025-06-26 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'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXXdischarged Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Bankruptcy : XXXX XXXX Reference # XXXX XXXX Bankruptcy Court XXXX XXXX bankruptcy discharged Reference # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXXdischarged Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Bankruptcy : XXXX XXXX Reference # XXXX XXXX Bankruptcy Court XXXX XXXX bankruptcy discharged Reference # : 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 2025-06-26 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
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 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 2025-06-26 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: FL

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: SC

Complaint narrative:
I am writing to formally request a detailed description of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, in accordance with 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this provision, I am entitled to a full explanation of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your responsibilities under the Fair Credit Reporting Act.

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