vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: NY

Complaint narrative:
I recently pulled up my Experian, Equifax and Transunion report and your company is attempting to collect a debt. 

Under 15 USC 1692cc : ( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( 1 ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( 2 ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or ( 3 ) where applicable, to notify theconsumerthat thedebtcollector orcreditorintends to invoke a specified remedy. If such notice from theconsumeris made by mail, notification shall be complete upon receipt. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below. Additionaly, send verifiable proof between your company and I in the consumer contract. 

If you can not show verifiable proof, under the Fair Credit Reporting Act you must delete this from my credit report. 

Or a Certification from the creditor that certified the accuracy and completeness of the information/account. Your failure to positively verify these accounts has hindered my ability to obtain credit.It has also damaged my mode of living, my character, and much more. 

Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you can not provide me a copy of verifiable proof, you must DELETE the account listed below. Im giving your company 10 days to respond to this matter. Failure to respond to this matter will result in legal actions pursued against your company. I demand that the following account be validated or DELETED immediately : Account Name : Associated Credit Services Account Number : XXXX Once the deletion is completed, update across credit bureuas and send a free copy of my credit report. 

Furthermore, you also reported inconsistent and inaccurate information on my consumer report. Once again, I, XXXX XXXX is giving your company, 10 days to respond to this matter. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NJ

Complaint narrative:
To : TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : IMMEDIATE DEMAND FOR DELETION OF INACCURATE, UNVERIFIED ACCOUNTS VIOLATION OF FCRA AND FDCPA Dear Credit Bureau, I am formally disputing the accuracy and legality of the following derogatory accounts being reported on my credit file. The information furnished is not only inconsistent between bureaus, but also appears to violate multiple provisions under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Disputed Accounts : XXXX. XXXX Account # : XXXX * * * * Balance : {$800.00} Reported Status : XXXX XXXX Reporting : TransUnion, Experian, Equifax XXXX XXXX XXXX XXXX Account # : XXXX * * * * / XXXX * * * * Balance : {$500.00} Reported Status : XXXX XXXX Reporting : TransUnion, Experian, Equifax Legal Violations and Discrepancies : Inconsistent and Conflicting Data : Account status, open/charge-off status, high credit, and activity dates vary across bureaus. Under XXXX XXXX. XXXX ( b ), data must be reported with maximum possible accuracy. These inconsistencies demonstrate a failure to comply. 

No Verification or Legal Proof : Under XXXX XXXX. XXXX ( a ) ( XXXX ), you are obligated to verify all disputed information within XXXX days or delete it. No valid verification has been provided to me regarding these debts. 

Unlawful Re-aging and Continued Reporting : The XXXX XXXXXXXX account last showed activity in XXXX, but Experian shows last reporting in XXXX, suggesting possible unlawful re-aging, which is a violation of FCRA XXXX ( a ) governing time limits for negative reporting. 

Prior Disputes Ignored or Inadequately Investigated : Notes on both accounts indicate prior disputes but provide no documentation showing a lawful investigation or legitimate response. 

Consumer Harm and Intentional Negligence : The continued reporting of unverified, inconsistent, and outdated data is causing substantial harm to my credit profile and appears to be a willful act of negligence. 

DEMAND FOR ACTION I hereby demand the following, without delay : Immediate deletion of XXXX XXXXXXXX account from all three credit reporting agencies. 

A full reinvestigation and the furnishing of complete verification documents from the original creditor ( XXXX ). 

Written confirmation of removal within XXXX days of receipt of this letter. 

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General, and XXXX lead to legal action pursuant to XXXX XXXX  XXXX & XXXX for willful or negligent noncompliance. 

This letter serves as formal notice of dispute. You are now legally on record. Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-20 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute a late payment entry on my credit report for XXXX ( Acct # XXXX XXXX XXXX XXXX  ). The entry states that my payments were 30 days late in XX/XX/XXXX and this account is closed as of XX/XX/XXXX. XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX This late payment spans from XX/XX/XXXX to XX/XX/XXXX, and I firmly believe it to be inaccurate and unjustified. 

However, my records show that all these payments were made on time. Therefore, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to challenge the validity of this late payment report. Specifically, I am citing 15 USC 1681d ( 1 ), 15 USC 1681s-2 ( a ) ( 1 ) ( A ), and 15 USC 1681a ( 2 ) ( A ) ( i ).

These accounts are not reflected in my Equifax credit report, which indicates that they are either erroneous or unverifiable. The FCRA requires credit reporting agencies to report only accurate and verifiable information. This late payment entry is misleading to potential creditors and violates Federal Law. 


I request that you promptly investigate this issue and correct the record by changing the late payment entry to XXXX or XXXX on XXXX status. Under the FCRA, I understand that you must complete the investigation within 30 days and provide me with written confirmation of the correction, as well as an updated copy of my credit report. 
I appreciate your immediate attention to this matter and look forward to its swift resolution. 


Warm Regards, XXXX XXXX Without prejudice, all natural inalienable rights are reserved.

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 2025-05-20 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-20 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear Transunion : my SS # XXXX XXXX XXXX has charged off this account with the IRS XXXX long time ago but has it listed on my credit and it should not be there. 

I requested a XXXX from the company and never received it which is considered fraud and they can be sued for that. 

Amount : {$20000.00} ( charged-off ) the debt that they claim I owe.

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 2025-05-20 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-20 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: KY

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-05-20 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: KY

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting Creditor Name : AFFIRM INC Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of information being reported by AFFIRM INC on my Experian credit report. The account in question, which was opened on XX/XX/XXXX, and closed, is currently reported with the following status : Account charged off Balance : {$1600.00} Past due amount : {$1600.00} Last payment : XX/XX/XXXX Despite this, the account is reported as having XXXX day late payments every month from XX/XX/XXXX through XX/XX/XXXX, even though no payments or account activity has occurred during that period. This appears to be duplicate derogatory reporting and may violate the Fair Credit Reporting Act ( FCRA ) regarding the accurate and fair reporting of consumer information. 

I am requesting that : The repeated monthly late payments after the account was already charged off be removed. 
The account be corrected to reflect the accurate date of delinquency and charge-off, and not multiple derogatory entries afterward. 

Please conduct an investigation and provide a written response regarding the outcome of your findings. Ive attached a copy of my credit report highlighting the disputed information. 

Enclosures : Credit report excerpt showing inaccurate payment history Copy of ID and utility bill for identity verification Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MD

Complaint narrative:
Im writing to dispute an item on my credit report that is not being reported in compliance with the Fair Credit Reporting Act. The information does not meet the standard of maximum possible accuracy, as required under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I DID NOT HAVE AN ACCOUNT WITH THIS COMPANY. THEY HAVENT VALIDATED THE DEBT. I need it removed from my report.

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 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TN

Complaint narrative:
I have called the XXXX number for cash app ( XXXX ) several times between XX/XX/year> and XX/XX/year> regarding access to my account. I lost access to my email and phone number, therefore I lost access to my account via the app. Each time I call and follow all directions provided, they fail to solve my issue. The no alternative or further solution to solve my issue. I had a recent direct deposit from my employer deposited to the account. However, I have no access to my funds via cashapp. They verified my ID and identity with the same state ID on both accounts accompanied by a live picture. Still, no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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