vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 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: TX

Complaint narrative:
Identity Verification Already Provided Complaint Type : Credit Reporting / Consumer Reports Issue : Problem with a XXXXompanys Investigation Company : Equifax Agency : Consumer Financial Protection Bureau To Whom It May Concern, This message serves as my formal response to Equifaxs Closed with Explanation notice dated XX/XX/year>, claiming that identity verification is required before further action can be taken. 

Identity Verification Has Already Been Mailed On [ insert the exact date you mailed it ], I mailed my full identity verification packet to Equifax Information Services LLC at the address provided, which included : Full legal name ( and any former names ) Current and prior address Date of birth Government-issued photo ID Proof of address ( utility bill / pay stub ) Copy of Equifaxs verification request letter Therefore, Equifaxs claim that it can not proceed due to lack of verification is no longer valid and should not be used to delay or avoid completing a lawful reinvestigation.

Failure to Address the Merits of the Dispute Equifaxs response does not address a single disputed tradeline, balance inconsistency, duplicate account, or unverifiable collection raised in my complaint. Instead, it relies solely on an identity-verification delay after the CFPB complaint was already accepted and transmitted. 

This constitutes a stalling tactic and does not satisfy Equifaxs obligations under : FCRA 611 ( a ) Duty to conduct a reasonable reinvestigation FCRA 607 ( b ) Duty to maintain maximum possible accuracy FCRA 611 ( a ) ( 5 ) Duty to delete unverifiable information FCRA 611 ( a ) ( 5 ) ( B ) Certification requirements for any reinsertion Formal Demand Now that identity verification has already been provided, I formally demand that : Equifax immediately complete the reinvestigation of all disputed accounts listed in my original CFPB complaint.

Full Method of Verification be supplied for any account Equifax claims was verified.

All unverifiable, duplicated, or inaccurately reported accounts be deleted immediately if documentation can not be produced. 

Notice of Continuing Violations If Equifax continues to delay investigation after confirmation of identity, this will constitute : Willful non-compliance with the FCRA Obstruction of a consumers statutory dispute rights Improper handling of a CFPB-supervised complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: OH

Complaint narrative:
XX/XX/XXXX Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX, XXXX AND A Date Opened XX/XX/XXXX Balance {$670.00} XXXX XXXXXXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$840.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$13000.00} * * Inquiries * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: KS

Complaint narrative:
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-30 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: KS

Complaint narrative:
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rozlin Financial Group, Inc.
State: TX

Complaint narrative:
Subject : Complaint : Invalid Debt Collection Attempt for Services Not Provided ( XXXX  ) To the Consumer Financial Protection Bureau, I am submitting a complaint regarding an improper debt collection attempt by XXXX and the third-party collection agency pursuing an alleged balance of {$420.00}. I had XXXX case numbers with my credit card issuer. 

Case # XXXX, is for a charge of {$140.00}, billed on XXXX ; it was disputed and final on XX/XX/year>. 

Case # XXXX, is for a charge of {$140.00}, billed on XXXX ; it was disputed and final on XX/XX/year>. 

Case # XXXX, is for a charge of {$140.00}, billed on XXXX ; it was disputed and final on XX/XX/year>. 

These cases were officially closed on XX/XX/year> per my credit card issuer. 

The debt is invalid. XXXX failed to provide access to the services I purchased, constituting a breach of contract. I disputed the charges with my credit card issuer, and they were resolved in my favor due to lack of services rendered. Despite this, the account has been forwarded to collections. 

XXXX did not provide me access to my account after I paid for services. I emailed customer support multiple times and they offered me codes which were invalid each and every time. They also offered a specialist in XXXX hours, which in turn advised me there was no supervisor to assist me. 

The debt collector violated the FDCPA by contacting me and making false statements about the debt. 

This raises concerns regarding : Attempted collection of a disputed and invalid debt Failure to acknowledge my prior dispute Potential violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Please note I have filed a complained with the FTC. 

Please investigate this matter and ensure all consumer protections are upheld. 

I do not authorize the CFPB or any other agency to share my home address or phone number with XXXX or the collection agency. Please communicate with them using only my email. Also note the collection agency is using an incorrect address for me. I am not familiar with that address. 

Thank you for your assistance. 

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 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/year> itry to aply for a credit card but it say my credit is low or delencuency i have charges that i dont recognise

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I lost my job and I have had the time to pay them back until I get on my feet

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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:
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 : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 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 c
onsumer reporting agency if that person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Block, Inc.
State: TX

Complaint narrative:
What happened : After manually deleting all messages from my XXXX  Messages appincluding verification codes and temporary textsI noticed that XXXX  Recently Deleted folder still shows multiple messages marked as recently deleted, despite the fact they were deleted hours ago. These messages include verification codes and other sensitive communication. 

This behavior suggests XXXX is intentionally delaying final deletion or preserving user-deleted content longer than expected, without notifying the user or giving control over permanent erasure. It raises major privacy concerns and contradicts the users intent to fully remove data. 

This issue compounds with my existing grievances against XXXX, where forced cloud sync loops, XXXX history visibility, XXXX toggles, and XXXX access conflicts have all contributed to invasive data handling. 



Fair resolution : XXXX must be required to : 1. Immediately purge all deleted messages when a user selects Delete All and confirms deletion, including those stored in Recently Deleted. 
2. Give users the ability to permanently delete messages on demand, bypassing the XXXX Recently Deleted grace period. 
3. Disclose retention timelines clearly and allow for manual override.

4. Confirm in writing that verification codes and other sensitive messages are no longer stored on XXXX servers once deleted. 
5. Provide a timeline-bound fix to ensure this behavior is not tied to backend syncing issues related to XXXX XXXX XXXX or XXXX account conflicts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Repeated calls daily when I try to answer no one speaks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
To Whom It May Concern : I am writing to dispute several fraudulent and inaccurate items that have appeared on my TransUnion credit report as a direct result of identity theft. I was impacted by the recent TransUnion data breach, and unauthorized parties gained access to my personal information. These fraudulent accounts/entries are harming my credit and must be removed immediately.

Under the Fair Credit Reporting Act ( FCRA ) 602A, 609, 611, and 615, I formally dispute the following items and request an immediate investigation and removal :

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 2025-11-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Incorrect credit reporting on closed account by Bank of America Name : XXXX XXXX Account Ending : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX What Happened : My Bank of America credit card account ending in XXXX was closed on XX/XX/XXXX, but the creditor continues to report new late payments, monthly charge-off updates, and inconsistent information to all XXXX  credit bureaus. 
The account is closed, yet XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Late payments AFTER the closed date * Repeated CO/Charge-off updates for many months * Conflicting dates of last activity * Ongoing derogatory status into XXXX This appears to be inaccurate, misleading, and damaging credit reporting. 
A charge-off is a one-time event, not something that is supposed to be reported monthly. Continuing to report new missed payments or new charge-offs after the closure date is unlawful and harms my credit profile. 
I disputed this information with all three credit bureaus, but they verified it based on what Bank of America supplied. This means Bank of America is furnishing inaccurate or unverifiable information. 

Harm Caused : These inaccurate derogatory marks are severely hurting my credit score, preventing me from getting housing, and causing financial hardship.

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 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tenaglia & Hunt, PA
State: VA

Complaint narrative:
b'The info I sent to your files on now closed complaint XXXX XXXX XXXX XXXX XXXX is still the same XXXX XXXX stated they are not the responsible company,but they were the 3rd party company through safe street security,that being said XXXX XXXX filed a warrant in debt on XXXX XXXX XXXX XXXX for an wrongful debt and an amount they did not agree to as stated safe street security (XXXX XXXXincorrectly entered XXXX XXXX  income and did not verify clearly some items would be financed by XXXX XXXX,then gave the 3 day return policy when contract was figured out about 2 weeks later.XXXX XXXX has been part of the deception from the near beginning.XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: C/C Financial
State: GA

Complaint narrative:
I am disputing inaccurate reporting by XXXX  regarding my Preferred Lease account ( Acct ending XXXX ). The account was closed in XX/XX/year> with a {$0.00} balance, yet it is still reported with derogatory or negative payment history despite no balance owed. 

Reporting negative information on a paid, closed account is misleading and violates the Fair Credit Reporting Act 607 ( b ), which requires maximum possible accuracy of consumer information. Unless XXXX  can provide full verificationincluding the original lease agreement, complete payment history, and proof of any alleged delinquencythe tradeline should be corrected or deleted to reflect paid/closed in good standing.

I have attached supporting documents, including a copy of my ID and the relevant portion of my credit report highlighting this account. I am requesting written confirmation of deletion or correction within 30 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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:
am disputing two accounts being reported inaccurately on my credit reports. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX XXXX XXXX  I did NOT apply for, sign, or authorize any lease with XXXX XXXX XXXX XXXX I have never lived at this apartment, and no contract with my signature exists. This account is fraudulent and does not belong to me. I requested validation and documentation from XXXX XXXX and the credit bureaus, but none was provided. 

The XXXX XXXX XXXX is also reporting inaccurate and misleading information. The vehicle became inoperable shortly after purchase due to a recall the dealership failed to repair, and the account is being reported as if I am responsible for an unusable vehicle. I requested full documentation, account history, and reinvestigation, but the company did not provide the required information under FCRA 609 or conduct a proper investigation under FCRA 611.

I also filed a police report, an FTC Identity Theft Report, and an IC3 report documenting the unauthorized/fraudulent activity. These accounts continue to harm my credit, and the companies failed to validate or prove the accounts belong to me. I am requesting full removal from all bureaus.

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