vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX Date : XXXX To : Experian P.O. Box 4500 Allen, TX 75013 Subject : Cease and Desist Formal Dispute of Inaccurate Reporting Dear Experian, I am formally disputing inaccurate and unauthorized information currently being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Section 611. 

The disputed item ( XXXX ) are as follows : Creditor/Collection Agency/Company XXXX XXXX XXXX XXXXXXXX Account/Inquiry Number XXXX XXXX XXXX Reported Status : Charge-Off / In Collections Date Reported : XX/XX/year> I assert that this information is inaccurate, unverifiable, and misleading. Reporting this account/inquiry damages my creditworthiness and violates my rights under federal law. 

Accordingly, I demand the following : That you conduct a full reinvestigation into the disputed item ( s ). 

That you cease and desist from reporting or publishing this inaccurate/unverified information until the furnisher provides documented proof of its accuracy. 

If such documentation can not be provided, the account/inquiry must be deleted from my credit file immediately. 

Under the FCRA, you are required to complete this investigation within XXXX days of receiving this letter and provide me with a written response. If the disputed items are not properly verified, you must remove them and issue me a corrected credit report. 

Failure to comply will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office in my state.

Enclosed are copies of my government-issued identification, proof of address, and supporting documents related to this dispute. 

This letter serves as both a formal dispute and a cease and desist request regarding the inaccurate reporting. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: IL

Complaint narrative:
In XX/XX/year>, I sent {$200.00} via Cash App to a user ( XXXX XXXXXXXX ) for a nail service appointment. I have previously received services from this provider multiple times through her Square account, so I trusted her. However, this time she asked me to send the payment via Cash App, which I did. 

After sending the payment, she never provided the nail services. I attempted to request a refund directly through Cash App by using the Request option and contacting her multiple times, but she has not returned any of my money. 

I then contacted Cash App support multiple times and submitted a case ( # XXXX ), providing screenshots of the payment, refund requests, and prior service history. Despite my efforts, Cash App refused to reverse the payment, stating that completed peer-to-peer payments can not be refunded. 

Additionally, I recently discovered that the provider is not a licensed cosmetologist and is using her personal Cash App account to collect payments for her business, which I was unaware of at the time of payment. 

I am requesting assistance to recover my {$200.00} for a service that was never delivered, as Cash App has declined to take action despite documentation and prior attempts to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Rocket mortgage Short {$290.00}. Every other week we sent payments. No notice we were short. we receive a letter saying we were short almost XXXX months later. The letter shows we are short {$3500.00} but states we owe {$290.00} along with {$81.00} late charges. This is XXXX. We never received what the monthly amount should be. We have never received anything about what the new monthly amounts would be. So I set the payments to be what I thought was due for the month divided by XXXX ( for every XXXX weeks ). Nothing from them since we financed with them EVER via mail. Their response was to login which I did and no late payments was shown. But I was to login according to them. I never signed up for that method.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I discovered student loans accounts on my credit report that I did not apply for or authorize.. I have never taken out a student loan and believe this is a case of identity theft. I have filed a dispute with the credit bureau and request that these fraudulent account be investigated, closed, and permanently removed from my credit report.Here attacheed is my ftc report with all accounts involved.

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 2025-08-23 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal 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 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management sent me a statement claiming that I owe {$14000.00}. When I attempted to log in to their online portal, my information did not match, and I was unable to access my account. I then submitted a request through their live chat asking the collector to provide the following : The amount of the debt, including an itemized breakdown of principal, interest, and fees.The name and address of the original creditor.

Documentation proving that I am legally responsible for the debt ( such as a copy of the original agreement or account statements ). Proof that the collection agency has the legal right to collect this debt. This is also showing up on credit report but the SSN they have is not mine. I want this removed. They only sent me a letter stating that account is accurate. they sent me a statement and thats all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: PA

Complaint narrative:
I pulled my credit report an noticed inquiries I didnt authorize or make. XXXX. XXXX XXXX XXXX XXXX requested on XX/XX/XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/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 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
To : Capital One Customer Relations/ Consumer Affairs From : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX Subject : Follow-Up Complaint Regarding Alleged Accounts SSN Verification Required Dear Capital One Consumer Relations Team, I am writing to formally dispute XXXX alleged Capital One accounts : Account ending XXXX ( Reference XXXX Capital One Quicksilver ) Account ending XXXX ( Reference XXXX Capital One Quicksilver ) On XX/XX/year>, I previously submitted a formal complaint to Capital One regarding these same accounts. At that time, the bank failed to provide any documentation or validation of the alleged debts. 

On XX/XX/year>, I received collection notices from XXXX, XXXX XXXX XXXX, XXXX regarding these accounts. On XX/XX/year>, I submitted a formal dispute and request for validation under the Fair Debt Collection Practices Act ( FDCPA ), specifically demanding, among other items, proof that these accounts are linked to my Social Security Number ( SSN ). 

On XX/XX/year>, XXXX responded only with billing statements, which do not prove ownership or SSN linkage. They have failed to provide any documentation showing that these accounts were legally opened in my name or linked to my SSN. 

Additionally, I currently have an open complaint against XXXX, XXXX XXXX XXXX XXXX XXXX, for attempting to misrepresent billing statements as valid proof of the alleged debts. This demonstrates that the collector has already failed to comply with the Fair Debt Collection Practices Act, and underscores the need for Capital One to ensure proper validation and documentation before authorizing any collection or reporting actions. 

Critical point : For identification purposes, the last XXXX digits of my Social Security Number are XXXX. Any documentation provided must clearly demonstrate that these accounts are legally linked to this SSN.

Without verification tying the accounts to my SSN, there is no legal basis to assert that I am responsible for these debts. 

Any attempt by XXXX, or by Capital One through them, to collect or report these debts without proper SSN verification is a violation of federal law and exposes the collector and Capital One to potential legal and regulatory consequences.

This submission serves as a follow-up to the previous complaint, emphasizing that proper proof of ownership, including SSN verification, has still not been provided. I am formally requesting that Capital One intervene, ensure that proper SSN verification and account ownership documentation is provided, and suspend any collection or reporting actions until this is confirmed. 

Please acknowledge receipt of this complaint and advise on the steps Capital One will take to ensure compliance with federal and state debt collection laws, including proper identity verification. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
On XX/XX/XXXX, I discovered a collection account from Southwest Credit Systems on my credit report in the amount of {$2900.00}, allegedly for XXXX. I do not recognize this debt and have never received proper validation. The account was reported as opened on XX/XX/XXXX and is still being reported as a collection account. 

I mailed Southwest Credit Systems a written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ). They have not provided documentation proving I owe this debt or that they have the legal right to collect it. Despite this, they continue to report the account to the credit bureaus, harming my credit. 

I dispute the validity of this debt and request that Southwest Credit Systems either provide full validation or remove the account from my credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recent in XX/XX/year> tried to apply for a heloc with fifth third ( bank ) this guys tell me that in the beginning of the application will make a soft inquiry, I never complete my application, and when I check my credit report I have an inquiry, is insane and illegal... 
I hope we can fix this, thaks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: GA

Complaint narrative:
I did not authorize this inquiry, nor did I initiate any application for credit with the listed company. Therefore, I believe this inquiry is fraudulent and must be removed. As outlined in the Fair Credit Reporting Act ( FCRA ), only inquiries that I have expressly authorized are permitted on my credit file. Since I never gave authorization for this company to access my credit, I am formally requesting Immediate removal of the unauthorized inquiry from my credit report. Please resolve this matter within the 30-day period required by law. If you are unable to provide documented proof that I authorized this inquiry, it must be deleted immediately from my credit file

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 2025-08-23 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: Continental Finance Company, LLC
State: GA

Complaint narrative:
My identity was stolen and I contacted the company to make them aware. I have a police report and FTC report. The company is still reporting balances unauthorized by me to the credit bureau

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 2025-08-23 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: Sparrow Financial, Inc.
State: GA

Complaint narrative:
My identity was stolen and I contacted the company to make them aware. I have a police report and FTC report. The company is still reporting balances unauthorized by me to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
I am writing to demand the immediate and permanent removal of fraudulent accounts from my credit report. These accounts were opened without my knowledge or consent, and I am a victim of identity theft. I have filed a report with the Federal Trade Commission ( FTC ), and I have attached my FTC Identity Theft Report as documentation of the fraud. The fraudulent accounts that need to be permanently removed from my credit profile are as follows : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX Date Opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft Enforcement and Restitution Act of 2008, I am entitled to have these fraudulent accounts permanently removed from my credit report upon providing the required documentation. As such, I request that these accounts be removed immediately and permanently from my credit file. I expect written confirmation of the permanent removal of these accounts from my credit report within the time frame required by 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 2025-08-23 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: PR

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( XXXX  XXXX, XXXX ) and these hard inquires XXXX  - XX/XX/year>, XXXX - XX/XX/year> that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency.

At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file.

LEGAL VIOLATIONS : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer 's credit file may only contain information obtained for a permissible purpose, which generally requires the consumer 's express consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), when a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed information, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report Number : XXXX ), which clearly identifies the disputed items. Despite this, TransUnion continues to report the account and the inquiries, causing ongoing harm.

TransUnion has also failed to meet its obligations under FCRA 1681e ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumer 's file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met.

HARM CAUSED : As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities. Specifically : I have been denied for legitimate credit applications due to this unauthorized account When approved for credit, I am forced to pay significantly higher interest rates I was recently denied rental housing because of this negative information My insurance premiums are higher due to credit-based pricing This has caused ongoing financial stress and embarrassment

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 2025-08-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: AR

Complaint narrative:
In XX/XX/XXXX, I first discovered this alleged debt when it appeared on my credit report. I never received any bill, notice, or written communication from Rent Recovery Solutions before it was reported. 

After that, I disputed the debt several times directly through Experian and TransUnion, but nothing came of it and the debt remained on my report. Because those disputes were unsuccessful, I formally disputed the debt in writing with Rent Recovery Solutions on XX/XX/XXXX, by sending a debt validation letter. In that letter, I specifically requested validation under the Fair Debt Collection Practices Act ( FDCPA ) and Arkansas law. 

I asked for proof of when and where the original bill was mailed, documentation to support the itemized charges ( such as receipts, inspection reports, or photos ), and full documentation of the basis for the claim. 

The company responded by simply re-sending the same bill without providing any of the requested information. On XX/XX/XXXX, I sent a second written notice pointing out that their letters all stated Please remit balance due within 30 days yet they knowingly mailed billing to my former residence, which they managed and knew I no longer occupied. They have still provided no proof that they attempted to mail the bill to my correct or updated address.

As a result, I was denied the 30-day response window they claim I had. The company has continued collection activity and reported the debt to credit bureaus without providing lawful validation, which I believe is a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: MI

Complaint narrative:
Items were ordered from Midnight Velvet. Returned to exchange for different size. Returned a second time due to fit. Credited for returns and falsely charged for items never ordered or recieved. Mistake was acknowledged and adjustment was made. Told I was being charged a late fee. Questioned company about how a late fee being charged when there was no payment due. Company reported as late payment, effecting my credit score. Company claimed issue was resolved by switching from late fees to finance charges. Contacted company requesting details on what was financed. Company continues to report dept as late payments, amount continues to increase, continues to effect credit score, conntinuesly sends statements, and constantly receiving phone calls. I have sent letters to the company, contacted the XXXX, spoke with several reps in the credit/billing dept and still no action has taken place.

Company response to consumer: Closed with explanation