vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: 1st Franklin Financial Corporation
State: MS

Complaint narrative:
I am reporting the continued presence of a fraudulent account on my credit report, tied to identity theft. I have no connection to this account, and I did not open or authorize it in any form. 

On XX/XX/year>, I submitted a formal identity theft dispute package that included : A Federal Trade Commission ( FTC ) Identity Theft Report ( # XXXX ) A signed affidavit confirming the fraud Valid identification and proof of address A written request invoking FCRA 605B, which requires blocking of any fraudulent tradeline The company listed above is fully aware of this documentation yet continues to furnish the account to credit bureaus, harming my creditworthiness and violating federal law. 

Under the Fair Credit Reporting Act ( FCRA ), a company must cease reporting any account tied to identity theft within XXXX business days of receiving proper documents. They are also responsible for investigating and removing unverifiable or incorrect information under 1681s-2 ( b ).

To date, no corrective action has been taken. I have received no written confirmation of deletion, no proper response, and the account remains visible across XXXX or more credit reports exposing me to further harm and distress. 

I am requesting the CFPBs assistance in compelling this company to comply with their obligations and remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX Bank XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : DEMAND FOR IMMEDIATE DELETION Disputed Items on Experian Credit Report dated XX/XX/year> To Whom It May Concern, This letter is a formal and final demand under the Fair Credit Reporting Act ( FCRA ), Metro 2 Compliance Guidelines, and Consumer Financial Protection Bureau ( CFPB ) regulations that you must immediately delete the following accounts from my Experian credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Open with reported charge-offs XXXX. XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX  ) Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Collection These entries are either factually inaccurate, unverifiable, outdated, or in violation of Metro 2 reporting standards. Despite previous disputes, these accounts remain on my report without any documented verification or correction. This is a direct violation of the FCRA, specifically : - Section 611 ( 1681i ) : Requires deletion of any item that can not be verified within 30 days.

- Section 602 ( 1681 ) : Mandates maximum possible accuracy in all consumer credit reporting.

- Section 623 ( 1681s-2 ) : Prohibits furnishers from reporting information they know or should know is inaccurate.

Furthermore, continued reporting of these accounts after dispute, without proper reinvestigation or documentation constitutes willful noncompliance and subjects both Experian and the furnishers to damages under federal law. 

I Demand the Following Action : - Permanently DELETE all XXXX accounts from my credit file at Experian immediately. 
- Send written confirmation of deletion to my mailing and email address. 
- Cease and desist from further reporting of these unverifiable or incorrect items. 
If the accounts are not removed within 30 days, I will file a formal complaint with the CFPB, the FTC, and consider legal action for damages related to willful FCRA violations. 

This letter serves as official notice that failure to respond appropriately or continuing to report unverified data will be documented as a legal violation of my consumer rights. 

I expect your full compliance and a prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX Bank XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : DEMAND FOR IMMEDIATE DELETION Disputed Items on Experian Credit Report dated XX/XX/year> To Whom It May Concern, This letter is a formal and final demand under the Fair Credit Reporting Act ( FCRA ), Metro 2 Compliance Guidelines, and Consumer Financial Protection Bureau ( CFPB ) regulations that you must immediately delete the following accounts from my Experian credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Open with reported charge-offs XXXX. XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX  ) Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Collection These entries are either factually inaccurate, unverifiable, outdated, or in violation of Metro 2 reporting standards. Despite previous disputes, these accounts remain on my report without any documented verification or correction. This is a direct violation of the FCRA, specifically : - Section 611 ( 1681i ) : Requires deletion of any item that can not be verified within 30 days.

- Section 602 ( 1681 ) : Mandates maximum possible accuracy in all consumer credit reporting.

- Section 623 ( 1681s-2 ) : Prohibits furnishers from reporting information they know or should know is inaccurate.

Furthermore, continued reporting of these accounts after dispute, without proper reinvestigation or documentation constitutes willful noncompliance and subjects both Experian and the furnishers to damages under federal law. 

I Demand the Following Action : - Permanently DELETE all XXXX accounts from my credit file at Experian immediately. 
- Send written confirmation of deletion to my mailing and email address. 
- Cease and desist from further reporting of these unverifiable or incorrect items. 
If the accounts are not removed within 30 days, I will file a formal complaint with the CFPB, the FTC, and consider legal action for damages related to willful FCRA violations. 

This letter serves as official notice that failure to respond appropriately or continuing to report unverified data will be documented as a legal violation of my consumer rights. 

I expect your full compliance and a prompt response.

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 2025-06-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I went to go use my XXXX credit card ( synchrony bank ) for an appliance purchase only to discover at the store that my account had been closed. I called back later when at home to find out more details and found out it had only been closed XXXX days prior. I did not receive any notification that the account was closed and I did not receive a warning that the account would be closing. The reason they closed it was for non-use. When I asked why I didnt get a notification they said they dont send notifications out for accounts that close for that reason. Logically XXXX would he used for big purchases. Every time I make an appliance purchase I would use the card. I am not going out every month purchasing big items. I had this card opened for XXXX  years. This is now going to negatively affect my credit all because they didnt warn me. If I would have had a warning I could have used it to keep it open.

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 2025-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear To Whomever This May Concern ......

I am writing to formally dispute certain inaccuracies present in my credit report. Below are some of the items I am contesting and other inaccuracies you may find on my credit report. 

XXXX XXXX XXXX, Account Number : XXXX XXXXXXXX I do not recognize this account. Please remove this inaccurate information from my credit report. 

XXXX XXXX, Account Number : XXXX XXXXXXXX I am a victim of identity theft and have not authorized this account. Kindly delete this fraudulent account and others false reported accounts from my credit record. 

XXXX XXXX XXXX, Account XXXX : XXXX XXXXXXXX This account was settled and paid in full. However, there are incorrect reports of late payments. Please update this to reflect the accurate status and remove any erroneous information. 

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681i ( a ) ), I request that all unverifiable or inaccurate information be removed from my credit report. I kindly ask that you complete your reinvestigation within the 30-day period mandated by law.

Thank you for your prompt attention to this matter. I look forward to your confirmation that these corrections have been made. 

Sincerely, 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 2025-06-23 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: GA

Complaint narrative:
Dear To Whomever This May Concern ......

I am writing to formally dispute certain inaccuracies present in my credit report. Below are some of the items I am contesting and other inaccuracies you may find on my credit report. 

XXXX XXXX XXXX, Account Number : XXXX XXXXXXXX I do not recognize this account. Please remove this inaccurate information from my credit report. 

XXXX XXXX, Account Number : XXXX XXXXXXXX I am a victim of identity theft and have not authorized this account. Kindly delete this fraudulent account and others false reported accounts from my credit record. 

XXXX XXXX XXXX, Account XXXX : XXXX XXXXXXXX This account was settled and paid in full. However, there are incorrect reports of late payments. Please update this to reflect the accurate status and remove any erroneous information. 

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681i ( a ) ), I request that all unverifiable or inaccurate information be removed from my credit report. I kindly ask that you complete your reinvestigation within the 30-day period mandated by law.

Thank you for your prompt attention to this matter. I look forward to your confirmation that these corrections have been made. 

Sincerely, 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 2025-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt v. gravens ( mo ) XXXX XXXX. i presume that no proof of the alleged debt. nor therefore, any such debt in fact, therefore exist ( please remove these accounts before I seek litigation for the defamation of character ) XXXX XXXX XXXX balance {$23000.00}, XXXX XXXX {$2300.00}, XXXX XXXX XXXX balance {$490.00}, XXXX  XXXX XXXX balance {$470.00}.

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 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filling a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-06-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXXXXXX Balance : {$120000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Corp Solutions Inc.
State: AZ

Complaint narrative:
I am filing a complaint regarding Credit Corp Solutions and how they are reporting a debt they purchased from XXXX XXXX XXXX. 

The original debt is approximately three years old, but Credit Corp Solutions is now reporting it on my credit report as a new collection as of XX/XX/XXXX with a status of {$9500.00} past due as of XX/XX/XXXX. This misleadingly implies recent delinquency, despite the fact that no new activity has occurred and the debt was originally incurred years ago. 

The account shows a Date Opened of XX/XX/XXXX, which is when the debt was likely sold, not when the original delinquency occurred. Furthermore, their payment history shows late payments starting only in XX/XX/XXXX, which inaccurately suggests fresh or ongoing delinquency. This is misleading and likely a violation of the Fair Credit Reporting Act ( FCRA ), which prohibits the re-aging of debt and requires credit information to be accurate and not misleading. 

I have already disputed this with the credit bureau, and my dispute is marked in the account comments, but the misleading reporting continues. I am requesting that the CFPB investigate this matter and ensure : That the original date of delinquency is properly reported. 
That the collection status and late payment indicators reflect the accurate historical timeline. 
That any attempt to re-age the debt to appear more recent be corrected. 

I have attached a screenshot of the credit report entry from XXXX  for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
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 REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-23 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX 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 : XXXXXXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
On XX/XX/year> Scott & associates sent me a letter stating that I owe a debt to XXXX XXXX XXXX Debt Collector for a credit card debt owned by the original creditor XXXX XXXX XXXX XXXX with Account number XXXX for the amount of {$1500.00}. 
Scott & Associates need to be aware that this debt has been already settled in Court by another debt collector. 

Cause No. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation