vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
WAKEFIELD & ASSOCIATES reported a debt related to XXXX XXXX XXXX to the credit bureaus around XX/XX/year>, without first notifying me as required.

I was never sent a validation notice under 15 U.S.C. 1692g ( a ), and WAKEFIELD did not wait a reasonable period to confirm receipt of any communication under 12 C.F.R. 1006.30 ( a ) ( 1 ). I first learned of the debt when I checked my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keynote Consulting, Inc.
State: TX

Complaint narrative:
I previously submitted CFPB Complaint # XXXX against Keynote Consulting regarding a disputed debt for {$2000.00} related to XXXX XXXX XXXX.

Although the company resp

onded, their documentation failed to validate the debt under 15 U.S. Code 1692g ( b ). They acknowledged the dispute but continued reporting the account as seriously past due to XXXX XXXX XXXX XXXX.

This ongoing reporting is inaccurate and violates my rights under 15 U.S. Code 1681i and 1681s-2 ( b ). The debt is not legally validated and should not be reported as a delinquent account. I provided proof of cancellation and dispute in the original complaint. The bureaus have failed to remove this harmful information despite being notified. 

I am requesting the Consumer Financial Protection Bureau to hold the credit reporting agencies accountable for continuing to report unverifiable and disputed information.

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 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
Upon checking my credit report on XX/XX/XXXX, I see a collections from Portfolio Recovery. It states the account has been open since XX/XX/XXXX. However, I never received notice from the original account holder or Portfolio Recovery regarding the change of ownership of this debt. I never received anything from Portfolio in regards to the purchase agreement or bill of sale to validate this debt. They are reporting this debt to collections having never notifying me. When I go to their site to follow up, information about this account is no longer accessible and has been forwarded to a completely different company. Therefore, I can no longer request debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: KY

Complaint narrative:
I want cash app or send me another card and I want my XXXX back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
I am writing to formally dispute the accuracy of several items currently reported on my credit file, as provided by your agency. Specifically, I dispute the following entries as not belonging to me : - Three ( 3 ) bankruptcy records- Two ( 2 ) credit card accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXedical collection account Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. Upon previous disputes with both TransUnion and XXXX I was informed that these accounts were verified. However, after contacting XXXX and XXXX, I was advised that no disputes had been received regarding these items, and that they are the data furnishers for some of the disputed records. 

Request for Proof of Verification : Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am formally requesting that you provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information, including the name, address, and telephone number of any furnisher of information contacted in connection with my dispute. 

Bankruptcy Records : Additionally, I would like to remind you that the courts do not furnish or verify bankruptcy information to credit reporting agencies. As such, you are required to independently verify the accuracy of any bankruptcy records directly with the original source of the information, not through third-party vendors or public records aggregators. If you can not provide legitimate verification from the original creditor or furnisher, these bankruptcy records must be deleted from my credit report as required by 15 U.S.C. 1681i ( a ) ( 5 ).

Summary of Action Requested : 1. Immediately reinvestigate the disputed items listed above.

2. Provide me with detailed proof of verification, including the method and source of verification for each disputed item.

3. If you can not provide proper verification, promptly delete the disputed items from my credit report.

4. Provide me with a free updated copy of my credit report reflecting the results of your investigation.

If you fail to comply with these requirements, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider pursuing further legal remedies.

Please confirm receipt of this letter and provide the results of your investigation in writing within the 30-day period mandated by the FCRA.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: SC

Complaint narrative:
I am writing to formally dispute the accuracy of several items currently reported on my credit file, as provided by your agency. Specifically, I dispute the following entries as not belonging to me : - Three ( 3 ) bankruptcy records- Two ( 2 ) credit card accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( 1 ) medical collection account Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. Upon previous disputes with both XXXX XXXX XXXX I was informed that these accounts were verified. However, after contacting XXXX and XXXX, I was advised that no disputes had been received regarding these items, and that they are the data furnishers for some of the disputed records. 

Request for Proof of Verification : Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am formally requesting that you provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information, including the name, address, and telephone number of any furnisher of information contacted in connection with my dispute. 

Bankruptcy Records : Additionally, I would like to remind you that the courts do not furnish or verify bankruptcy information to credit reporting agencies. As such, you are required to independently verify the accuracy of any bankruptcy records directly with the original source of the information, not through third-party vendors or public records aggregators. If you can not provide legitimate verification from the original creditor or furnisher, these bankruptcy records must be deleted from my credit report as required by 15 U.S.C. 1681i ( a ) ( 5 ).

Summary of Action Requested : 1. Immediately reinvestigate the disputed items listed above. 
2. Provide me with detailed proof of verification, including the method and source of verification for each disputed item.

3. If you can not provide proper verification, promptly delete the disputed items from my credit report.

4. Provide me with a free updated copy of my credit report reflecting the results of your investigation. 

If you fail to comply with these requirements, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider pursuing further legal remedies. 

Please confirm receipt of this letter and provide the results of your investigation in writing within the 30-day period mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
I am filling to formally dispute the accuracy and completeness of several items reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and 611 [ 15 U.S.C. 1681i ], I request a thorough reinvestigation of the following accounts and entries, as they may be inaccurate, incomplete, or unverified. 

DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} DPT EDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} DPT EDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4800.00} DPT EDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance {$600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
I am filling to formally dispute the accuracy and completeness of several items reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and 611 [ 15 U.S.C. 1681i ], I request a thorough reinvestigation of the following accounts and entries, as they may be inaccurate, incomplete, or unverified. 

DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} DPT EDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} DPT EDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4800.00} DPT EDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance {$600.00}

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 2025-06-21 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXXRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-06-21 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: TN

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX XXXX are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-06-21 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: TN

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX XXXX are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-21 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: NC

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

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - exp eq Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX - {$0.00} - exp eq Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX -exp eq Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX - exp eq Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - exp eq UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: NY

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 non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
We are attempting to recast our mortgage with our lender, XXXX. I spoke with their customer service and they told me to send a secure message via their message center with the necessary info and I followed the instructions to the letter. However I have not heard back from them at all, and I keep trying to follow up, but the bank keeps ghosting my messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: OH

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute an inaccurate entry on my credit report concerning a late payment, collection account, or other erroneous negative reporting. This incorrect information has caused significant harm to my creditworthiness, and I believe it is a result of negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o.

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 2025-06-21 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:
Dear CFPB Representative, I am writing to formally dispute an inaccurate entry on my credit report concerning a late payment, collection account, or other erroneous negative reporting. This incorrect information has caused significant harm to my creditworthiness, and I believe it is a result of negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o.

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 2025-06-21 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:
Dear CFPB Representative, I am writing to formally dispute an inaccurate entry on my credit report concerning a late payment, collection account, or other erroneous negative reporting. This incorrect information has caused significant harm to my creditworthiness, and I believe it is a result of negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o.

Company response to consumer: Closed with explanation