vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-11-25 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:
Dear CFPB, Demand TransUnion,, XXXX XXXX, XXXX XXXX, XXXX  ( x2 ), and XXXX XXXX delete these six charged-off accounts via manual reinvestigation not e-OSCAR automation. All are inactive since XXXX but illegally refreshed in XXXX, violating Metro 2 and FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( b ). Prior disputes " resolved '' ignoring consumer disagreement. New evidence : XXXX updates without activity, unverifiable.

Accounts & Specific Metro 2 Violations : XXXX  # XXXXXXXX XXXX XXXX ( All Bureaus ) * * Last reported XX/XX/XXXX ; inactive since XX/XX/XXXX. Violations : Field 24 DOAI updated post-charge-off ( freeze required ) ; Field 22 past due unfrozen at {$1300.00} ; no Field 25 DOFD ; ongoing Field 18 " CO '' codes inaccurate XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Last reported XXXX ; inactive since XX/XX/XXXX ( TU ) or XX/XX/XXXX ( XXXX ). Violations : Fields 22/23 past due/balance accrual prohibited ( {$9900.00} balance/ {$3900.00} past due ) ; Field 19 " consumer disagrees '' ignored/suppressed ; inconsistent limits/high credit ; no Field 25 DOFD. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX ; inactive since XX/XX/XXXX. Violations : Field 24 DOAI refresh illegal ; Field 22 past due not frozen ( {$1700.00} ) ; Field 19 " consumer disagrees '' not applied to suppress history ; Field 18 over-reported " CO ''. 

XXXX  # XXXXXXXX XXXX XXXX XXXX Last reported XX/XX/XXXX ; inactive since XX/XX/XXXX. Violations : Fields 23/24 charge-off amount/DOAI not fixed ( {$12000.00} balance past due ) ; no Field 25 DOFD ; Field 18 derogatory extension without evidence. 

XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX Last reported XXXX ; inactive since XX/XX/XXXX. Violations : Field 24 DOAI update prohibited ; Field 22 past due mismatch ( {$5500.00} ) ; Field 18 " CO '' codes inaccurate post-freeze. 

XXXX XXXX # XXXXXXXX XXXX XXXX Last reported XXXX ; inactive since XX/XX/XXXX. Violations : Field 24 post-cancellation refresh ; Fields 22/23 balance/past due unfrozen ( {$4100.00} ) ; inconsistent high credit/limits.

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 2025-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
RE : FORMAL DISPUTE OF FALSE COLLECTION ACCOUNT, CEASE HARASSMENT, AND NOTICE OF CREDIT REPORTING VIOLATIONS To Whom It May Concern : I am formally disputing the alleged debt your company is attempting to collect, which you claim is associated with XXXX This alleged account does NOT belong to me. I have never had any delinquent account or outstanding balance with XXXX and I have no contractual relationship with your company. 
Your repeated collection calls, letters, and the false reporting of this account to the credit bureaus constitute : - Harassment - Violation of my privacy rights- Violation of the Fair Debt Collection Practices Act ( FDCPA ) - Violation of the Fair Credit Reporting Act ( FCRA ) - Intentional damage to my creditworthiness Your company is knowingly reporting false and inaccurate information, which is hurting my credit score and directly affecting my ability to obtain credit, loans, and financial services. These actions are illegal and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE RECOVERY, INC.
State: HI

Complaint narrative:
In XXXX, while I was serving on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX purchased a timeshare from XXXX XXXX XXXX XXXXXXXX, FL. The transaction included a financed credit agreement. XXXX did not provide any of the disclosures required under the Military Lending Act ( 10 U.S.C. 987 ), including the MAPR statement, written disclosures, or required oral disclosures. Because of this, the credit agreement is void from inception under MLA 987 ( f ). 

XXXX representatives made multiple misrepresentations at the point of sale, including stating that the account would never be reported to credit bureaus, that fees were fixed and minimal, and that I would be able to use the property at any time. None of these representations were true. After the loan was paid off, XXXX charged undisclosed and escalating maintenance fees that I did not agree to and were never properly disclosed. Despite attempting to use the timeshare, I was repeatedly told that no availability existed. 

Around XXXX, XXXX sent the alleged balance to Pinnacle Recovery. Pinnacle attempted to collect the debt and reported it to TransUnion. This was done without providing a legally valid debt validation under the FDCPA. The documents Pinnacle provided did not validate the debt and did not contain MLA-compliant disclosures required for the original credit agreement. 

Because the contract is void under federal law, the debt is not legally owed. Any attempt to collect or report the debt is unlawful. Pinnacle continued attempting to collect and continued reporting the account, despite the lack of validation and despite the contract being void. 

I am requesting CFPB assistance to stop collection activity, remove the negative credit reporting, and require XXXX and Pinnacle to comply with federal law, including the MLA, FDCPA, and FTC Act. Supporting documents have been provided, including my MLA notice to XXXX, cease-and-desist letter to Pinnacle, affidavit, evidence index, and complaints filed with DOJ and the Hawaii Attorney General.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
So I financed a phone from XXXX but I paid 3 payment of {$140.00} and than paid the rest of the balance which is {$1000.00} but that was paid in full

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 2025-11-25 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: GA

Complaint narrative:
I am sending this follow-up statement to request further review and enforcement regarding ongoing inaccurate and inconsistent reporting on my credit files. Despite my prior disputes and communications, the information remains uncorrected, and both the credit bureaus and furnishers appear to be in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). XXXX Account ( XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Account ( XXXXXXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 sending this follow-up statement to request further review and enforcement regarding ongoing inaccurate and inconsistent reporting on my credit files. Despite my prior disputes and communications, the information remains uncorrected, and both the credit bureaus and furnishers appear to be in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). XXXX Account ( XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Account ( XXXXXXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year> I added my TD Bank account. I then transferred {$1400.00} from my XXXX XXXX Account into my Cash App account. I then removed my XXXX XXXX bank account from Cash App. I then transferred {$1400.00} from my Cash App into what should have been my XXXX XXXX account. It instead went to my old XXXX XXXX account and they charged me {$24.00}. The fee is NOT fully disclosed. I would not have continued with the transfer if the fee was disclosed. In addition, I am unsure why they would transfer the funds to my XXXX XXXX account that was removed. I tried contacting Cash App but they are not receptive and it is difficult to reach someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY. 
HAVING THIS LATE PAYMENT REPORTED ON MY ACCOUNT IS COMPLETELY UNACCEPTABLE GIVEN MY CONSISTENT HISTORY OF TIMELY PAYMENTS. THIS NEGATIVE ENTRY IS BOTH MISLEADING AND UNWARRANTED. I REQUEST THAT YOU IMMEDIATELY REMOVE THIS INACCURATE LATE PAYMENT AND UPDATE MY ACCOUNT TO ACCURATELY REFLECT MY POSITIVE PAYMENT BEHAVIOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
CFPB Addendum Failure to Respond to Method of Verification Request / Improper Frivolous Determination I am submitting this addendum regarding Equifaxs failure to comply with the FCRA in its handling of my dispute and Method of Verification ( MOV ) request. 

Equifax mailed me a form letter dated XX/XX/year>, stating that my dispute was deemed frivolous because they claim I disputed the items twice within 90 days. This letter appears to be an automated template and does not address the specific issues raised in my mailed dispute or in my CFPB complaint. 

This response does not satisfy Equifaxs obligations under the FCRA, specifically : 15 U.S.C. 1681i ( a ) ( 7 ) Equifax did not provide the required Method of Verification, did not identify the furnisher or individual who verified the late payments, and did not describe the documents used to verify the accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Equifax did not conduct a reinvestigation. The letter contains no indication that any investigation occurred.

15 U.S.C. 1681i ( a ) ( 3 ) ( B ) To claim a dispute is frivolous, Equifax must identify what specific information was missing and what is needed to reinvestigate. The letter did not provide any of this. It merely stated that I previously disputed the items, which is not an acceptable or legal basis for declaring a dispute frivolous. 

The CFPB complaint remains open, and Equifaxs generic template letter does not constitute a valid response to the CFPB or to my written MOV request. 

I am again requesting that Equifax provide : - The actual method of verification - The name of the individual or entity who verified the late payments - The documents used to verify the payment history for XXXX XXXX XXXX If Equifax can not verify with actual documentation, the negative entries must be removed under 1681i.

Thank you for your continued assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I was going through my credit report and noticed inquries that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Date : XX/XX/year> Caine & Weiner Company , Inc . 
XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX RE : Cease and Desist Alleged Account Balance : {$480.00} To Whom It May Concern : I am writing in regard to your attempts to collect an alleged debt in the amount of {$480.00}. This letter serves as my formal notice demanding that you immediately cease and desist all communication with me regarding this account. 

Under the Fair Debt Collection Practices Act ( FDCPA ), once I provide written notice requiring you to stop contacting me, you must cease all communication except those specifically permitted by law. 

Please be advised that reporting this alleged debt to any credit reporting agency is also considered a form of communication. Any continued reporting, updating, verifying, or modifying of this account on my credit file after receiving this notice

may constitute a violation of the FDCPA. If you believe you have legal grounds to pursue this matter, you may
notify me in writing of that intention as allowed by federal law. Otherwise, you are required to cease all direct and indirect contact with me.

I expect your full compliance.

Sincerely, SXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To the Legal Department of Experian : I am writing to demand the immediate and permanent removal of the following fraudulent and inaccurately reported accounts from my consumer credit report. Your company is in willful violation of the Fair Credit Reporting Act ( FCRA ) through its inaccurate reporting, illegal reinsertion of deleted items, and refusal to conduct a proper reinvestigation. 

The following accounts are either fraudulent, closed, or being reported with materially inaccurate information that is damaging my creditworthiness : 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I rented an apartment online, I paid for the first month and deposit upfront, when I went to pick up my keys, they did not have the apartment available, so after 3 hours they put me in a temporary unit, after a month and a half, I inform the company that I was not satisfied with the horrific business practice so I contacted the XXXX XXXX XXXX and make a formal complaint and sent an email saying that I was moving out. after a year XXXX  sent me a letter saying I did not owe the {$3300.00}, collection, the was settled for {$900.00}, I sent the dispute letter to TransUnion and the collection company XXXX XXXX, and 4 months later both companies refuse to remove the incorrect amount. they have damaged my good credit report, the XXXX and the original creditor letter is enclose below.....

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 2025-11-25 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: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that Experian failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-25 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: CA

Complaint narrative:
I must emphasize that unauthorized access to my credit report by several companies has directly damaged both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly indicates possible identity theft. This unresolved issue is causing ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: IL

Complaint narrative:
I am victim of identity theft. My personal information was exposed in the Equifax data breach as well as several others including hotels that I have visited. Nevertheless, my ss card and id was discovered missing from my wallet. In addition, I have reported this to my local police to pursue criminal charges.

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