vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: SC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX I.C. System, Inc. 
XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Debt Validation Request Account # XXXX | Alleged Balance : {$8900.00} Original Creditor : XXXX XXXX  XXXX To Whom It May Concern, This letter is a formal demand for validation of the above-referenced alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq., and applicable provisions of the Uniform Commercial Code ( UCC ).

You are required to provide : ( 1 ) a complete itemization of the alleged debt ; ( 2 ) the full chain of title from the original creditor to you, including assignment contracts ; ( 3 ) the original signed agreement bearing my signature; and ( 4 ) a copy of any security agreement or instrument granting you authority to collect.

Case law such as Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ) and Fields v. Wilber Law Firm, 383 F.3d 562 ( 7th Cir. 2004 ) confirms that failure to provide proper validation violates federal law. Furthermore, the U.S. Supreme Court in Jerman v. Carlisle, 559 U.S. 573 ( 2010 ) held that debt collectors are strictly liable for violations of the FDCPA.

If you have reported this account to any consumer reporting agency, be advised that continued reporting without complete validation constitutes willful noncompliance under 15 U.S.C. 1681n and 1681o, exposing you to actual, statutory, and punitive damages.

You have 15 days from receipt of this notice to either provide the requested validation or delete this account from all credit reporting agencies.

Failure to comply will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, as well as consideration of private legal action. 

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 2025-08-11 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: AL

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 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 2025-08-11 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: IN

Complaint narrative:
Please take immediate action to block and delete the unauthorized accounts listed on my credit report. I did not authorize or initiate these accounts and am unaware of their source. In compliance with USC 1681g, I request their removal within 15 days. Enclosed are the necessary supporting documents for your examination.

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 2025-08-11 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: SC

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. Federal law under the FCRA states that you must have my written consent to disclose my personal information, making you liable for any remedy under the 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, it has come to my attention that your office violated my privacy again. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-08-11 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-11 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently received a copy of my credit report and I noticed some late payments posted on my credit report : XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15USC subsection 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subect to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

In Furtherance, the FAIR CREDIT REPORTING AcT 15 USC subsection 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : Exclusions Except as provided in paragraph ( 3 ), the term Consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experinces beween the consumer and the person making the report ; Correct the above late payments on my consumer report to paid as agreed and STATUS of account as Current every month paid as agreed, this agency is in violation of 15 USC subsection 1681.

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 2025-08-11 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: CA

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION
State: AL

Complaint narrative:
I contacted Sallie Mae on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and twice on XXXX, to obtain documents to submit to XXXX. I requested Disbursement Report and/or Promissory Note and an updated Account Statement.

I contacted Sallie Mae by phone each time. During my calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was informed that the documents could be sent to the email I provided and is associated with the account. Each time, the agent confirmed that these documents were to be sent and I would received them via email soon. On XXXX, I contacted them again, because I had not received the documents and I was informed that I would need to submit a written letter to receive the documents. I immediately submitted the letter via certified priority mail, which arrived in Delaware on XX/XX/XXXX. The requested Disbursement Reports/Promissory Notes did not arrive at my home until XX/XX/XXXX, and the account statements arrived on XXXX. Per XXXX XXXX policy, these documents must be dated within 30 days of the submission date of the application ( due date XX/XX/XXXX ), which Sallie Mae was unable to accommodate. 

Previously, I have not received any documentation that stated that I would need to request the documents only by writing. Previously, I have had access to the online portal, which was limited after my account was flagged due to a bankruptcy that appeared on my account. My account through another student loan lender, XXXX, was not limited, and I am able to easily access documents and additional requested documents were sent to me via email without a problem. As a result, I missed the deadline created by XXXX, and the loans that are eligible to be paid by XXXX were unable to be submitted. Due to this issue I missed an opportunity to obtain {$250000.00} to completely pay off all of my student loans with Sallie Mae. It appears that Sallie Mae establishes extra hurdles to inhibit their borrower 's ability to access documents and information, which will not allow them to pay off the loan ( XXXX ) and Sallie Mae will be able to continue to collect interest.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
I have previously disputed Experian and Equifax regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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 filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I found that there was a hard inquiry from Capital One made on XX/XX/year>. I did not apply for any type of credit on this date. It is a fraudulent credit request. I have contacted XXXX  and XXXX  as well. I also contacted Capital One and they confirmed that the person that this credit card was approved for whomever applied for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
there are unauthorized charges on my reports thay are not mine. i have been going back and forth for months, and nothing is being done ; no proof has been given. they keep saying it is accurate which it is not .this needs to be removed from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: MI

Complaint narrative:
Consumer Complaint Cash App Account Closure & Withheld Funds To Whom It May Concern : On XX/XX/year>, Cash App closed my account, citing a violation of their Terms of Service. At the time of closure, my account contained {$520.00} in funds from my legally earned wages. 

I have contacted Cash Apps customer service by phone, chat, and email on multiple occasions. I was informed : I can see that the specific bank account you tried to link isnt supported with Cash App. In order to receive money with Cash App, youll need to link a different bank account. You can also receive money with your linked debit card. 

The initial issue occurred when I attempted to link my girlfriends bank account for withdrawal. That attempt failed, so on XX/XX/year>, I opened a new XXXX XXXX  account solely for the purpose of withdrawing my funds. 

After entering my new XXXX account information into Cash App, I was met with the following error message : You can not link a new bank account. If you successfully linked a bank account recently, please try linking that bank account. 

At present : I can not link a new bank account. 

I can not add a debit card. 

I can not access the {$520.00} that belongs to me. 

These funds represent wages from my employment, deposited directly into Cash App. Cash App has not provided any lawful reason for withholding my money, nor have they provided a method to release it to me. 

Requested Resolution : I am requesting that Cash App immediately release my {$520.00} via a method I can accesssuch as direct deposit to my XXXX XXXX  account, or transfer to a supported debit card. 

Supporting Information : Account closed : XX/XX/year> Balance at closure : {$520.00} XXXX XXXX XXXX  account opened : XX/XX/year> Multiple contact attempts made by phone, chat, and email I believe this constitutes unlawful withholding of consumer funds and request prompt investigation and enforcement action to ensure I can recover my wages. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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 2025-08-11 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: FL

Complaint narrative:
I am writing to inform you that I am a victim of identity theft. I have reported the incident to the Federal Trade Commission ( FTC ) and filed a formal complaint, which I have attached for your reference XXXX. My credit report contains accounts and hard inquiries that I did not authorize and that do not belong to me. 


List of UNAUTHORIZED INQUIRIES and FRAUDULENT ACCOUNTS : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I need to be able to log in to set freeze/thaw on my credit report. I can not log in ; I registered, but their website won't let me log in because it claims the password was incorrect. When I try to reset the password, it says there is no account with the password. When I try to re-register, it says the email is in use. 

When calling about this, I am taken through a lengthy automated preauthorization process, and then the call drops. This happened twice. To get around that I had to go down a different chain and force the XXXX to get to an " agent. '' The agent was unable to help. She kept suggesting that I check with my wife to see if she had used my email address to register ( an absurd and insecure preposition ). I have been unable to log in for months, and I am hesitant to freeze my credit with them because thawing could be a problem based on their poor phone tree and inability to find or manage the account I've set up.

Company response to consumer: Closed with explanation