vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT 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, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Iam filling a complaint.This is a court-authorized Notice of a proposed settlement in a class action lawsuit, Salinas, et al. v. Block, Inc. and XXXX XXXX XXXX XXXXXXXX, Case No. XXXX, currently pending in the District Court for the Northern District of California . The proposed settlement would resolve a lawsuit that alleges that XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) were negligent, made misrepresentations, and breached other obligations to their users in connection with ( 1 ) a data security incident that XXXX XXXX XXXX  disclosed in XX/XX/XXXX, ( 2 ) a data security incident that Block disclosed in XX/XX/XXXX, and ( 3 ) alleged unauthorized, and fraudulent withdrawals and transfers of funds to or from, and complaint and error resolution processes associated with, XXXX XXXX accounts and linked accounts. Block and XXXX XXXX XXXX  contest these claims and deny that they did anything wrong. This Notice explains the nature of the class action lawsuit, the terms of the settlement, and your legal rights and obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
Ally Financial is reporting an auto loan as charged off while still listing it as an active derogatory account on my credit reports. This is inaccurate, misleading, and severely damaging to my credit profile. If the account was charged off, that means Ally itself declared it a loss and closed it. Continuing to report it as though it is still an active derogatory debt creates a contradiction that unfairly harms me. 

I have disputed this account, and Allys response has been inadequate. They have failed to provide any actual proof or validation, instead leaving the account on my reports with notations such as charged off, collection/chargeoff, and consumer disputes this account. These notations are inconsistent and confusing, and they misrepresent the true status of the account. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, Ally is required to ensure that all information furnished to the credit bureaus is accurate and verifiable. Under 1681i, they are required to conduct a proper reinvestigation when an account is disputed. Merely continuing to report without providing verifiable evidence does not meet the standard of compliance with the law. 

Ally has failed to provide : A complete copy of the original signed auto loan contract with my wet signature. 

Documentation proving that the information currently being reported is accurate, complete, and up to date. 

Any explanation of why a charged-off account is still being reported as though it is active and collectible. 

This failure to properly validate while continuing to report is a violation of my rights under the FCRA. It is also misleading to future lenders, who are given the impression that I have both a charge-off and an active delinquency for the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-steps validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. They didn't follow the proper 5-steps validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
DEBT VALIDATION LETTER Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear LVNV FUNDING LLC This letter is being sent to you in response to a listing on my Credit Report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus XXXX XXXX XXXX XXXX XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT 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, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Trying to buy house and I find too many late payments history and too many hard inquiries ,15 U.S.C. 1692c is a section of the Fair Debt Collection Practices Act ( FDCPA )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXXXXXX XXXX XXXX XXXX. 
ACCOUNT # XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXXXXXX XXXX XXXX XXXX. 
ACCOUNT # XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: CA

Complaint narrative:
Accounts are being reported under my name without my knowledge, consent, or authorization. I have never opened, authorized, or managed these accounts. Their presence is inaccurate and misleading, and it is harming my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My vehicle was repossessed by XXXX XXXX XXXX around XX/XX/2021, and I never received the legally required repossession notices or post-sale accounting. The company continues to report a deficiency balance to the credit bureaus and may have accessed my consumer report without a permissible purpose. 

Violations Texas Business & Commerce Code XXXX XXXX ( UCC Article 9 ), a creditor must : - Send a Notice of Disposition before selling a repossessed vehicle ( 9.611, 9.613, 9.614 ).

- Conduct the sale in a commercially reasonable manner ( 9.610 ).

- Provide a post-sale accounting of proceeds and any deficiency ( 9.616 ).

I did not receive any of these required notices. Without compliance, the creditor may be barred from collecting or reporting any deficiency under 9.626.

UCC 9-610 / 9-611 No proof of sale price, no notice to cure this violates UCC law. Delete the account.

FCRA 15 U.S.C. 1681b Despite this, the company continues to report a deficiency balance to the credit bureaus and may have accessed my consumer report without a permissible purpose, which violates the Fair Credit Reporting Act ( 15 U.S.C. 1681b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am formally disputing unauthorized access to my credit report, which has negatively impacted both my credit and credit score. I previously contacted your agency and was assured these inquiries would be removed, yet they remain. This inaction is unacceptable and raises serious concerns of potential identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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:
I am writing to file a formal complaint regarding multiple hard inquiries on my TransUnion credit report that I believe are unauthorized or inaccurate. These inquiries are affecting my credit score and appear on my report without my consent. 

The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not authorize these inquiries, or they are incorrectly listed. I have not applied for credit with some of these companies and did not give permission for these hard inquiries to be added to my credit report. 

I request that the CFPB investigate this matter and instruct TransUnion to : 1. Remove any unauthorized or incorrect hard inquiries from my credit report.

2. Provide written confirmation of any actions taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing several unauthorized inquiries on my credit report that I did not authorize. These entries are inaccurate, harmful, and may indicate identity theft. I previously contacted your agency and was assured they would be removed, yet they remain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT 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, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
1. CFPB Complaint Letter ( federal, consumer protection focus ) Subject : Complaint Regarding Mishandled Dispute & Supervisor Misconduct America First Credit Union I am filing a complaint regarding America First Credit Unions handling of a recent dispute call. 

I contacted their member services to dispute three charges ( two from XXXX  after cancellation, one from XXXX XXXX after a trial, and a pending XXXX  charge ). Unfortunately, I was not able to resolve or even properly address these disputes because of how the call was handled. 

The representative failed to take adequate notes, forcing me to repeat myself multiple times. What should have been a straightforward, XXXXminute process stretched into over XXXX minutes. When I asked for a supervisor, I expected accountability and resolution. Instead, the supervisor immediately told me that her agent did nothing wrong before even reviewing the call. When I questioned how she could know that, she admitted her conclusion came directly from the agents own account. This is not an impartial investigation, but collusion and bias. She defended that approach. 
When I mentioned escalating to corporate, she displayed no concernshe viewed shutting me down as a success, not a failure of service or oversight. 
From the beginning of my conversation with her she was snide and dismissive which of course is hostile. 
At that point, it was clear to me that I was not going to receive fair treatment or assistance in disputing my charges. I became frustrated and ended the call in a hostile manner. I want to be accountable for my reaction at the end but it only came after it was clear the supervisor was unwilling to address my dispute fairly. 

The end result is that my dispute was never even taken, and I was denied the ability to resolve unauthorized charges because of mishandling, bias, and lack of accountability. 

I am requesting that this matter be reviewed, that my disputes be addressed properly, and that America First Credit Union be reminded of their obligations to handle member disputes impartially and professionally. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute and correct inaccuracies in my personal information listed on my credit report. These errors are causing unnecessary difficulties with my credit applications and need to be addressed promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NY

Complaint narrative:
I opened an account with chime and since 3 of my bills were reversed with error message stating insufficient funds. I have since reached out to chime and they are acknowledging the problem but have yet to give me my XXXX back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Professionals, Inc.
State: WY

Complaint narrative:
Back in XXXX of XXXX, XXXX, the owner of Collection Professionals answered a previous CFBP complaint stating that " as a courtesy to the consumer we have requested to have this account removed from credit reporting. '' They did so after time, but as of today XX/XX/XXXX it has been reported again by Collection Professionals and reappeared on my credit bureaus a collection with XXXX ' company with absolutely no further communication from Collection Professionals. This shows that they do not follow their word and will rereport even after writing to CFPB and consumers that they have removed the collection. 
XXXX and Collection Professionals do not do what they say they are going to do in hopes that consumers do not notice when they are caught doing exactly the opposite of what they say they are going to do.

Company response to consumer: Closed with explanation