vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXX/XX/year> 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information i
s inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-06-05 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: NJ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
XXXX XXXX, XXXXXXXX XXXXXX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 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 2025-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: TX

Complaint narrative:
This company is violating my rights. They have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently I have made previous attempts to fix these issues directly with them and they are violating my rights and Im entitled to {$1000.00} for every violation I listed they either pay me or or delete these accounts ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
Equifax is currently reporting two derogatory collection or charge-off accounts that I believe are inaccurate and harmful to my credit profile. The first is an account from XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, with a balance of {$0.00}. The second is an account from XXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, with a balance of {$510.00}. I am disputing the validity and reporting accuracy of both of these entries. 

The XXXX account shows a balance of {$0.00}, yet it remains listed as a charge-off, which is inconsistent and misleading. When a balance is reported as XXXX, especially on an older account, it typically indicates that the debt has either been paid, settled, or otherwise resolved. Continuing to report this item as a charge-off may suggest an ongoing delinquency or financial obligation that no longer exists, which is both unfair and damaging. In the case of the XXXX XXXX account, I have concerns regarding the completeness and integrity of the data being furnished, particularly with regard to the chain of assignment, validation of the debt, and the reporting methodology used by Equifax. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have called into question Equifaxs practices related to credit reporting accuracy, including their handling of collection accounts and data verification. The CFPB noted ongoing compliance concerns and issued directives to improve data quality and consumer protections. These findings further support my concern that the items on my report may be the result of outdated data, lack of verification, or mishandled reporting procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is currently reporting inaccurate personal information on my credit file. Specifically, they are listing a current address as " XXXX XXXX XXXX, TX XXXX '' dated XX/XX/XXXX and a previous address as " XXXX XXXX XXXX XXXX XXXX TX XXXX '' dated XX/XX/XXXX. Both of these are incorrect and do not reflect my actual residence. 

My current and only address that should be reported on my credit profile is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I have not lived at the XXXX address at any point, and the XXXX address listed ( XXXX ) is not accurateit appears to be either a data entry error or an incorrect linkage from another individual 's file. 

This kind of misinformation is not only misleading but could also be the result of poor data handling or erroneous merges during credit file updatesissues which are increasingly common, especially following large-scale data breaches across various institutions. These kinds of discrepancies raise concerns about the reliability of Experian 's data verification process and could potentially lead to further inaccuracies in how my creditworthiness is assessed.

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 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: FL

Complaint narrative:
I attempted to cancel my gym membership with XXXX XXXX XXXX XXXX in person on two separate occasions. Each time, staff told me the cancellation was being processed, but I never received written confirmation. I have since moved to a different city and no longer have access to the location. 

I contacted XXXX XXXX XXXX by email multiple times requesting to cancel the membership and dispute the charges. I also asked for verification of the debt and a copy of the cancellation policy, but they only redirected me to call the gym again. I explained that I could not return in person, and they still refused to process my cancellation remotely. 

Despite my efforts, they continue to bill me for services I am not using and have clearly requested to stop. I believe this is an unfair business practice and a form of unjustified debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: Kikoff Inc.
State: FL

Complaint narrative:
I am filing this second formal complaint against Kikoff Lending LLC for continuing to furnish information to credit bureaus regarding a fraudulent account, despite multiple notices, ongoing dispute, and federal investigation. On XX/XX/2025, I first contacted Kikoff to dispute an account that I did not open or authorize. Between XX/XX/XXXX and XX/XX/2025, I engaged in multiple communications with Kikoff in which I repeatedly notified them that this account was fraudulent and requested they close it and stop reporting to credit bureaus. On XX/XX/XXXX, I reiterated my request in writing, clearly stating that I was incarcerated during the period of the accounts activitymaking it impossible for me to have opened, used, or authorized it in any capacity. I also provided documentation supporting my incarceration timeline. Despite receiving all of this information, XXXX failed to provide any verification or proof linking the account to meno IP logs, no login activity, no digital signatureand took no corrective action. Instead, on XX/XX/2025, at approximately XXXX XXXX, Kikoff reported this account as 30 days past due to the credit bureaus, which resulted in a XXXX drop in my credit score. Later that day, I received notice that Kikoff had declined to respond to the original CFPB complaint I filed on XX/XX/XXXX. This sequence of eventsreporting the account as late after XXXX months of formal dispute and then refusing to respond to federal oversightraises serious questions about procedural integrity, misuse of the credit reporting system, and potential discrimination. My documented incarceration during the timeframe in question makes it legally and factually impossible for me to have authorized this account. Further, even if the account had been legitimate ( which it was not ), Kikoff still had a legal obligation under the Fair Credit Reporting Act ( FCRA ) to properly investigate the dispute and either verify it with evidence or cease furnishing data. Their choice to do neither, and to report a late payment during an active federal complaint process, reflects a willful disregard for my rights and the law. This account is the only negative item on my credit report and is currently causing direct harm to my ability to secure housing, employment, and financial stability.

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 2025-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I took a loan from credit acceptance in XXXX for {$5500.00} for a XXXX PTC. I took the car back to the dealership the same day letting them know the car isn't working properly. They told me I could get another car if I put down another {$2500.00}. They held my car at their affiliated car shop until my warranty ran out and told me they couldn't fix it. They used me in XXXX for {$8500.00} and sold it in an auction for {$1200.00}. Now it's XXXX I'm still paying for this car and being garnished. Even with hardship they still take my state check every year even after our settlement agreement for {$390.00} they took my whole state check instead of sending me the remaining balance of {$1500.00} they said it was for interest.

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 2025-06-05 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:
XXXX XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of accounts and fraudulent addresses and jobs opened without my knowledge. 

The following personal information is FALSE and must be REMOVED immediately : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, FL XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Fraudulent Employers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The following collection accounts are FRAUDULENT and must be DELETED immediately : XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # 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 as proof from the XXXX 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 explanation
Consumer complaint received 2025-06-05 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Dear Mr./Mrs Throughout the time frame XXXX, XXXX  to present day, your company has repeatedly contacted me claiming that I owe debt under TD bank, XXXX XXXX XXXX XXXX XXXX, and Department of ED account number : XXXX. I do not believe that I owe this debt and I have disputed it and allowed you appropriate time to show evidence of this debt to be valid, but you have disregarded these repeated requests to validate the debt. 

Such conduct from you company has caused me to suffer severe humiliation and embarrassment, emotional distress and physical discomfort. You have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act by harassing me regarding this debt. 

I demand that you cease and desist this activity as soon as possible as possible within fifteen ( 15 ) days from your receipt of this notice. This includes eliminating my account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communication to myself by mail and otherwise. If action is not taken by you to cease. And desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which you company is hereby liable.

Respectfully Without Prejudice,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
Accounts are being reported under my name without my knowledge or authorization. I have never opened or managed them. This is unacceptable and misrepresents my financial history. I take my credit seriously and demand immediate clarification on why these accounts appear and who is responsible for reporting them.

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 2025-06-05 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:
In XX/XX/year>, I was a victim of identity theft, a situation that has generated various irregularities related to the improper use of my personal information. As a result of this fraudulent activity, I have identified an account reported by the company XXXX XXXX XXXX, with account number XXXX, for an amount of {$12000.00}. I want to state that I do not recognize this account, as I have never had any contractual or financial relationship with this entity.

Company response to consumer: Closed with non-monetary relief