vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX Ny XXXX XXXX i am writing this complaint to address three unauthorized inquires that reported ro my credit profile. these are fasle and were not aihtorized woth my signature. and i am asking for these to be investigated and removed. the credit bureaus Equifax and Experian are not much help as i can not be connected to a representative and they place me on hold for very long period of times. please help. i listed them here. Signature Federal 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 2025-08-03 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:
[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX apt XXXX ] [ Sunrise, Florida XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/XXXX ] To Whom It May Concern, This letter serves as a formal dispute of several inaccurate, misleading, and unverifiable items currently being reported on my consumer credit files in violation of federal law. This includes but is not limited tolate payments, collection accounts, and charge-offs.

I am fully aware of my rights under theFair Credit Reporting Act ( FCRA ) ,15 U.S. Code 1681 et seq., and theFair Debt Collection Practices Act ( FDCPA ) ,15 U.S. Code 1692 et seq.These laws exist to protect consumers from inaccurate reporting and to ensure the integrity of the information being furnished and published by consumer reporting agencies.

Under15 U.S. Code 1681i ( a ) ( 1 ) ( A ), the credit bureaus are required to conduct areasonable reinvestigationof any item disputed by a consumer. According toCushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ), a consumer reporting agency violates the FCRA if it fails to go beyond the original source when conducting its reinvestigation.

Further, inDennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), the courts ruled that merely parroting information from the furnisher does not constitute a reasonable investigation.

The following accounts are in dispute : ( list account below ) [ XXXX XXXX XXXX ] Account # [ XXXX ] Late Payments [ XXXX XXXX/ XXXX  ] Account # [ XXXX ] - Late Payments [ XXXX XXXX XXXX ] Account # [ XXXX ] Collection Account [ XXXX ] Account # [ XXXX ] Charge-Off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
Complaint Description ( paste into the form ) : I paid {$1900.00} to a merchant via Cash App for social media marketing services. The merchant accepted my payment and then closed their business without delivering service. I immediately contacted Cash App to report the issue and started the account verification process to ensure my case could be addressed. 

Instead of helping me recover my funds or investigate the fraudulent merchant, Cash App abruptly closed my account while I was still in the middle of verification. I was given no clear reason, and I have been locked out of my account with no access to my funds or transaction history. 

This is unacceptable. I was the victim of fraud, and instead of assisting me, Cash App penalized me. I am requesting the CFPB to investigate this matter and require Cash App ( Block, Inc. ) to : XXXX. Reopen my account or provide access to recover my transaction data XXXX. Take action to address and prevent fraudulent merchants from exploiting their platform I have attached documentation of the transaction, screenshots of communication, and proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX days update the account to PAID/NEVER Late and send me a copy of my updated credit Account Name : 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 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
It stated that I owe a balance of {$720.00}. If I paid in full, I would receive XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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:
Complaint Sent XX/XX/year> I, XXXX XXXX XXXX, am filing this complaint against [ Equifax XXXX TransUnion XXXX Experian ] for knowingly reporting inaccurate, unverifiable, and incomplete information on my credit report, in violation of my rights under federal law. 

I submitted disputes regarding multiple accounts that are : Inaccurate Not verified with original signed contracts Not updated or deleted within the statutory 30-day investigation period These actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ).

The following federal statutes have been violated : 15 U.S.C. 1681i ( a ) Failure to reinvestigate disputed items within the legal timeframe 15 U.S.C. 1681s-2 ( b ) Failure to verify or delete inaccurate or unverifiable information 15 U.S.C. 1681n Willful noncompliance with the FCRA 15 U.S.C. 1681o Negligent noncompliance with the FCRA 15 U.S.C. 1637 ( b ) ( 2 ) ( A ) No documentary evidence provided to verify a billing error 15 U.S.C. 1692e ( 10 ) Use of false, misleading, or deceptive collection practices 15 U.S.C. 1692j Use of false forms implying legal obligations 15 U.S.C. 1681q Reporting or obtaining consumer data under false pretenses I have requested multiple times for [ Equifax / TransUnion / Experian ] to investigate and remove accounts that are unverifiable or factually incorrect. They have either failed to respond, failed to investigate properly, or continued to report this information without correction.

I am requesting that the CFPB compel [ Equifax / TransUnion / Experian ] to : 1. Immediately remove all inaccurate and unverifiable accounts ; 2. Provide documented proof of verification including signed contracts or original account-level evidence ; 3. Cease the continued reporting of data that violates federal consumer protection statutes ; 4. Issue an updated and corrected credit report ; 5. Provide written notice of resolution to me within the timeframe allowed by law.

If this matter is not resolved, I reserve the right to pursue damages under 15 U.S.C. 1681n and 1681o for willful and negligent violations of the FCRA, including up to {$1000.00} per violation, plus attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: IN

Complaint narrative:
I am disputing two accounts that do not belong to me and appear to be the result of identity confusion with someone of a similar name. The first is FORUM XXXX, opened XX/XX/XXXX with last activity on XX/XX/XXXX. It is marked as a charge-off and written as a profit and loss, yet no 1099-C has been issued. If a creditor forgives any debt over {$600.00}, it must be reported to the IRS using a 1099-C. Without it, the debt should not be reported as collectible or continue damaging my credit. This account is not on TransUnion or XXXX further showing inconsistency. The second is XXXX XXXX, balance {$1700.00}, opened XX/XX/XXXX and reported only to TransUnion. This violates FDCPA 807 ( 15 U.S.C. 1692e ), as it is being reported without full debt validation or ownership. It is not listed on Equifax or XXXX, and again, I believe it is tied to someone else with a similar name.

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 2025-08-03 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 2025-08-03 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: 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 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 2025-08-03 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: NY

Complaint narrative:
I am writing to file a formal complaint against the XXXX major credit reporting agencies, Equifax, Experian, and TransUnion, for their failure to comply with the Fair Credit Reporting Act ( FCRA ). They are currently reporting an inaccurate and unverifiable debt on my credit file, which was furnished by XXXX XXXX XXXX. 
I have an alleged debt on my credit report from XXXX XXXX XXXX, which I do not believe I owe. In accordance with my rights under the FDCPA ( 15 U.S.C. 1692g ), I sent a certified debt validation letter to XXXX XXXX XXXX. This letter explicitly disputed the debt and demanded concrete proof of my liability. 
XXXX XXXX XXXX failed to provide any validation of the debt. Furthermore, in a clear violation of the FDCPA, they continued to report this unverified and disputed account to the credit bureaus. The credit reporting agencies have a legal obligation under the FCRA to ensure the accuracy of the information they report. By continuing to furnish information on a debt that has been formally disputed and for which no validation has been provided, these agencies are failing to meet their statutory duties. The account is unverifiable and, therefore, inaccurate as a matter of law.

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 2025-08-03 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: NY

Complaint narrative:
I am writing to file a formal complaint against the XXXX major credit reporting agencies, Equifax, Experian, and TransUnion, for their failure to comply with the Fair Credit Reporting Act ( FCRA ). They are currently reporting an inaccurate and unverifiable debt on my credit file, which was furnished by XXXX XXXX XXXX. 
I have an alleged debt on my credit report from XXXX XXXX XXXX, which I do not believe I owe. In accordance with my rights under the FDCPA ( 15 U.S.C. 1692g ), I sent a certified debt validation letter to XXXX XXXX XXXX. This letter explicitly disputed the debt and demanded concrete proof of my liability. 
XXXX XXXX XXXX failed to provide any validation of the debt. Furthermore, in a clear violation of the FDCPA, they continued to report this unverified and disputed account to the credit bureaus. The credit reporting agencies have a legal obligation under the FCRA to ensure the accuracy of the information they report. By continuing to furnish information on a debt that has been formally disputed and for which no validation has been provided, these agencies are failing to meet their statutory duties. The account is unverifiable and, therefore, inaccurate as a matter of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My name is XXXX XXXX I still cant add money to my account when I try it say this we couldnt add your money our support team is ready to help and also cant send payments to no Venmo user your payments cant be completed right now something went wrong and we couldnt complete this payment try again another time my username is @ XXXX and my account email is XXXX and the last agent told me he fixed it but he didnt fix it I need both issue to be fixed and make the fixed and solved permanently so it dont happen again and also remove any blocks or restrictions or limits or by pass any system fraudulent protection payments blocks off my account so I can make transfer and send payment and add money to my bank without no issue and refresh my account too etc. Update still having issues it keeping happening to me for no reason cfbp case number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I submitted the documentation requested by Equifax to verify my identity and unlock my account. Despite providing the required information ( copy of ID, proof of address, and any other requested documents ), my credit file remains locked, and I am unable to access my credit report. 

I have confirmed delivery of my documentation and allowed sufficient processing time, but my account remains inaccessible. This is preventing me from monitoring my credit and exercising my rights under the Fair Credit Reporting Act ( FCRA ) to obtain my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Reporting Violations and Demand for Immediate Deletion To Whom It May Concern, This letter serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account currently appearing on my Experian credit report. 

DISPUTED ACCOUNT INFORMATION Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Credit Limit : {$1000.00} Reported Balance : {$1300.00} Status : Charged Off / Closed Due to Inactivity Dispute Status : Not Listed as Disputed REASONS FOR DISPUTE Balance Inflation Above Credit Limit The reported balance of {$1300.00} exceeds the credit limit of {$1000.00}, suggesting improper fees or interest accumulation post-charge-off. No documentation has been provided to support this amount. 
Illegal Re-Aging of Debt ( FCRA 605 ( c ) ) The date of last activity is listed as XX/XX/XXXX, yet there was no payment or consumer activity on this account after the charge-off. This appears to be an attempt to re-age the account, which is a direct violation of federal law. 
Contradictory Status Descriptions The account is marked both as Closed due to inactivity and Charged off with loss, which presents a contradiction in status. A closed inactive account should not simultaneously be reported with a balance and charge-off. 
Failure to Reflect Dispute ( FCRA 623 ( a ) ( 3 ) ) This account is currently in dispute. Failure to mark it as such is a violation of my rights and misleads any user of my credit file. 
WHAT I DEMAND Pursuant to my rights under the FCRA, I request the following : Immediate deletion of this XXXX XXXX XXXX XXXX tradeline from my credit report. 
If you choose not to delete, provide documented evidence including : The original signed application ( wet-ink signature ) Complete breakdown of all charges/interest post-charge-off Proof of account activity after the alleged date of last activity Name and credentials of the individual who verified this account If this matter is not resolved within 30 days, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and seek legal recourse under applicable federal statutes for failure to maintain accurate and verifiable consumer reporting. 
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 explanation
Consumer complaint received 2025-08-03 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: NV

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 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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint regarding the inaccurate and unverifiable information being reported on my credit file by Experian, Equifax, and TransUnion. I submitted a formal dispute on XX/XX/year>, requesting a reinvestigation and deletion of any data that can not be verified under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 607 ( b ).

Despite the FCRA requiring a response and reinvestigation within 30 calendar days, the credit bureaus have continued to report unverifiable information that has negatively impacted my ability to obtain housing, credit cards, and personal loans. I provided valid identification, proof of address, and supporting documentation, and expected a lawful reinvestigation.

As of today, the disputed information remains on my report, and I have not received any documentation proving that the accounts were verified through the original furnishers, as required by law. This failure to correct or remove unverifiable data is damaging my financial standing and preventing access to essential financial resources.

I am requesting that the Consumer Financial Protection Bureau hold the credit bureaus accountable for their compliance failures and ensure the immediate deletion of any unverifiable information in accordance with FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
I am filing a complaint regarding the inaccurate and unverifiable information being reported on my credit file by Experian, Equifax, and TransUnion. I submitted a formal dispute on XX/XX/year>, requesting a reinvestigation and deletion of any data that can not be verified under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 607 ( b ).

Despite the FCRA requiring a response and reinvestigation within 30 calendar days, the credit bureaus have continued to report unverifiable information that has negatively impacted my ability to obtain housing, credit cards, and personal loans. I provided valid identification, proof of address, and supporting documentation, and expected a lawful reinvestigation.

As of today, the disputed information remains on my report, and I have not received any documentation proving that the accounts were verified through the original furnishers, as required by law. This failure to correct or remove unverifiable data is damaging my financial standing and preventing access to essential financial resources.

I am requesting that the Consumer Financial Protection Bureau hold the credit bureaus accountable for their compliance failures and ensure the immediate deletion of any unverifiable information in accordance with FCRA regulations.

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