vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 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: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account allegedly from XXXX XXXX XXXX ( Acct XXXX XXXXXXXX, balance {$630.00}, opened XX/XX/year> ). I dispute this account as inaccurate, incomplete, and unverifiable. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a collector must provide validation of a debt upon request, including the original contract and an itemized accounting. I made a validation request, but XXXX failed to provide the required documentation. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681s-2, furnishers must ensure maximum possible accuracy and correct or delete unverifiable information after receiving a consumer dispute. XXXX has continued reporting this tradeline without proof of ownership, balance, or assignment, in violation of these statutes.

Consumer Harm : This false reporting is damaging my credit standing, lowering my score, and preventing fair access to credit and housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I sent a letter to transunion on XX/XX/year> asking proof of debt Iam disputing that the debt was mine I ask for all documents proving the debt was mine ownership all statements related to this debt a signed contract.And I havent heard no response I also sent experian the same letter.My debt should be saying disputed and the debt should be proven according to the fair credit act.The debt is XXXX XXXX  from commercial acceptance

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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Source Receivables Management LLC
State: NC

Complaint narrative:
Note : this complaint amongst others is to be forwarded to Attorney General. 

Account : Source Receivable # XXXX I am filing this complaint against Source Receivables Management and XXXX  XXXX for repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Source Receivables Source Receivables is a third-party debt collector reporting an account that I do not recognize and have no contractual relationship with.

I have requested validation of the debt multiple times. It has been well beyond 30 days, and no documentation has been provided as required under FDCPA 809 ( 15 U.S.C. 1692g ).

Instead, Source Receivables has simply marked the account verified and updated information with the credit bureaus without proof.

This violates FCRA 623 ( 15 U.S.C. 1681s-2 ), which requires furnishers to report accurately and investigate disputes. 
TransUnion This same account was previously shown as closed and deleted from my TransUnion credit report. Despite that, it continues to report negatively. 
I have disputed the account multiple times with TransUnion. Their response has always been verified without providing supporting documentation. 
A TransUnion representative directly informed me that : No matter how many times you dispute, the account will remain. 
They accept verbal verification from a furnisher and do not require written documentation when a consumer requests validation. 
These practices are unlawful and violate : FCRA 611 ( 15 U.S.C. 1681i ) failure to conduct a reasonable reinvestigation.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) duty to maintain maximum possible accuracy.

FCRA 609 ( 15 U.S.C. 1681g ) right to full disclosure of information.

These unlawful practices have caused direct harm to me, including damage to my creditworthiness and difficulties with housing, employment caused severe XXXX XXXX. XXXX admission that disputes will remain regardless of consumer evidence, and that verbal verification alone is accepted, demonstrates systemic noncompliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX  panel for arbitration of this dispute and will immediately processed proof of service ; per XXXX  arbitration agreement, the XXXX filing fee of {$2200.00} must be paid by XXXX upon proof of service. 

Transunion will become liable of this {$2200.00} if I File a proof of service against transunion I already have my state secretary. Its going to subpoena XXXX records because this account has already been deleted from my TransUnion, but TransUnion has illegally placed this account back on which is fraudulent and against FCRA violations I am going to sue TransUnion in the court of law, for civil violations, and class action damages This is your final opportunity to curethe debt verification failed : XXXX did not produce a wet ( original ) signature, XXXX failed to show a complete chain of title, XXXX did not provide any insurance or SEC filings related to the vehicle, and XXXX produced no verification or documentation of repossession. Those omissions constitute failures to validate the debt and create inaccurate and misleading credit and collection records in violation of federal law, including the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act validation requirements ( 15 U.S.C. 1692g ), and Truth in Lending Act disclosure requirements ( 15 U.S.C. 1601 et seq. ). If XXXX does not immediately Delete this account from all credit bureaus we will then proceed to XXXX XXXX documented verification meeting the above requirements ( XXXX XXXX ) ( Main Arbitrator ) and confirm payment of the XXXX  filing fee {$2200.00}, I will proceed with arbitration and pursue all remedies available under the FCRA, FDCPA, TILA, and any applicable state laws.

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 2025-10-05 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: PA

Complaint narrative:
I am writing you this statement for you to delete the following information provided on my report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information about my report, please correct these errors or I shall proceed with involving my attorney! 

15 US CODE 1692C 15 US CODE 1692g 15 US CODE 1681 e ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: PA

Complaint narrative:
I am writing you this statement for you to delete the following information provided on my report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information about my report, please correct these errors or I shall proceed with involving my attorney! 

15 US CODE 1692C 15 US CODE 1692g 15 US CODE 1681 e ( b )

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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing you this statement for you to delete the following information provided on my report. The items I need deleted are shown in my report. I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information about my report, please correct these errors or I shall proceed with involving my attorney! 

XXXX5 US CODE 1637 ( 2 ) 9A 15 US CODE 1681 15 US CODE 1681s-2 ( aX3 ) 15 US CODE 1681e ( b )

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 2025-10-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Re : Account TRANSWORLD SYSTEMS XXXX Demand for Debt Validation, Cease & Desist, and Deletion To Whom It May Concern, I am writing regarding the above-referenced account. I formally dispute the validity of this debt and demand full debt validation under 15 U.S.C. 1692g ( Fair Debt Collection Practices Act, FDCPA ). Validation must include : The original creditors name and address The exact amount of the alleged debt Documentation proving my legal obligation to pay Any judgment, contract, or agreement supporting your claim Cease and Desist Notice : Under 15 U.S.C. 1692c ( c ), you are required to cease all collection communications once requested. Any continued collection activity after receipt of this letter constitutes a violation of the FDCPA.

Request for Deletion of Unverified Information : If you can not validate this debt, any reporting of this account to Experian or any other credit reporting agency constitutes a violation of 15 U.S.C. 1681s-2 ( b ) ( Fair Credit Reporting Act, FCRA ) for reporting inaccurate or unverified information. In such a case, you are required to immediately delete this account from my credit profile.

List of Violations You Are Committing or Risk Committing : FDCPA 1692g : Attempting to collect a debt without providing proper validation.

FDCPA 1692c ( c ) : Continuing collection communications after a cease-and-desist request.

FDCPA 1692e : Misrepresenting or making false statements about the debt.

FCRA 1681s-2 ( b ) : Reporting unverified or inaccurate information to credit reporting agencies.

Notice of Statutory Damages : Be advised that violations of the FDCPA can result in up to {$1000.00} per violation plus actual damages, and violations of the FCRA can result in actual damages, statutory damages up to {$1000.00} per violation, and attorneys fees. I will not hesitate to pursue all available legal remedies if you continue collection activities or fail to correct or delete this account.

I expect a written response within 30 days confirming either : Proper validation of the debt, or Immediate deletion of this account from my credit report This letter serves as my formal dispute, cease-and-desist notice, and demand for deletion, citing specific statutory violations and potential damages. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-05 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: MI

Complaint narrative:
I am disputing an account reported by XXXX that was closed on XX/XX/year>, shows a {$0.00} balance, and is marked Purchased by another lender. 

TransUnion has already removed this account from my credit report after verifying the inaccuracy. However, Experian and Equifax continue to report this account tied to an outdated address that is no longer connected to me. 

This violates : FCRA 604 Permissible Purpose : There is no permissible purpose to continue reporting an account that has been sold and no longer represents an active consumer relationship.

FCRA 611 Method of Verification : Both bureaus have failed to provide the name, contact, and documentation source used to verify the accuracy of this account.

FCRA 623 Duty to Report Accurate Information : Reporting a sold or transferred account with an outdated address constitutes inaccurate and incomplete reporting. 

I am requesting the removal of this account from both Experian and Equifax and deletion of the outdated address associated with it. Please update my file to reflect accurate and verifiable information. 

I have attached : XXXX showing Purchased by another lender and closed date Proof of TransUnion removal Proof of my current address

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 2025-10-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to U.S.C. 1681 is the primary section of theFair Credit Reporting Act ( FCRA ), a federal law establishingCongressional findings and the statement of purposefor the subchapter concerning consumer reporting agencies.It requires these agencies to adopt fair and equitable procedures for collecting, evaluating, and using consumer information to ensure confidentiality, accuracy, and relevancy.The FCRA protects the privacy of consumer information used by credit reporting agencies for purposes like determining credit worthiness.

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 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am not sure of how someone got all my information used it and then changed all my information. Took my money and closed my account. I called cash app and they keep saying they can not verify who I am with the information that was given to them. I am XXXX XXXX. I dont know what to do. I just know who I am and I can provide identification. I told cash app but they refused to listen and hung up on me saying a supervisor would contact me. This has been going on for 5 years. A friend told me to contact here and see if they can help me. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have several hard inquiries from XXXXXXXX XXXX XXXX  on my personal credit report which were not authorized. The inquiries occurred on XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. This company was only authorized for one inquiry for a business credit card which was issued based on the inquiry of XX/XX/XXXX. Furthermore, no permission or consent was given for the company to share and report my personal and financial information with any credit bureau. 

I have multiple inquiries from DEPT OF EDXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which were not authorized purpose being used, I do not recognize, and I was not informed of any credit reporting. Furthermore, no permission or consent was given for the company to share and report my personal and financial information with any credit bureau. 

I have a hard inquiry from XXXX XXXX  on XX/XX/XXXX which was not authorized, I do not recognize, and was not informed of any credit reporting. Furthermore, no permission or consent was given for the company to share and report my personal and financial information with any credit bureau. 

I have XXXX hard inquiries from CBNA, both on XX/XX/XXXX, which were not authorized, I do not recognize, and was not informed of any credit reporting. Furthermore, no permission or consent was given for the company to share and report my personal and financial information with any credit bureau. 

I have a hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX which was not authorized nor was I informed of any credit reporting. Furthermore, no permission or consent was given for the company to share and report my personal and financial information with any credit bureau.

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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I sent a letter to transunion on XX/XX/year> asking proof of debt Iam disputing that the debt was mine I ask for all documents proving the debt was mine ownership all statements related to this debt a signed contract.And I havent heard no response I also sent experian the same letter.My debt should be saying disputed and the debt should be proven according to the fair credit act.The debt is XXXX XXXX  from commercial acceptance

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 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Booked XXXX XXXX XXXX  through XXXX to XXXX XXXX. Reservation was made on XXXX XXXX through citi XXXX  card though citi XXXX  for {$270.00}. The day we reached XXXX airport we were told rental is closed and asked me to come next day at XXXX and they said they don't have any car for me as they were over booked and said they canceled the reservation. I called the citi travel and they promised to refund the money and provide XXXX points as compensation. I paid {$120.00} on XXXX XXXX  and booked different rental through citi card for {$600.00}. I have wasted more than XXXX hours on call with citi and they are not willing to refund {$270.00} as rental did not have any car and all the other costs.

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 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Mercari, Inc.
State: MD

Complaint narrative:
I am trying to receive my money from Mercari. I did all verification but they are trying to make me add someone to the account that I have told them numerous time does not belong to account. I provided all information to get my money but they refuse to release

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: IL

Complaint narrative:
Some one open auto loans on my credit report where I was getting mail sent to but never lived there I didnt have a place to live so I used my aunts address to get mail but some one started applying for stuff with out my knowledge or permission

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