vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: AL

Complaint narrative:
I discovered multiple unauthorized hard credit inquiries on my credit report from companies I didnt authorize to access my credit file. These are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries appear to have been made fraudulently, possibly due to identity theft or misuse of my personal information. These inquiries were not made by me. 

Please remove these fraudulent inquiries asap. 

I have submitted a dispute letter to the credit bureaus requesting removal of these inquiries and filed a report with the FTC.

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 2025-08-07 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:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( 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 2025-08-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: CO

Complaint narrative:
Ive been a loyal customer of Lendmark for years, consistently making my payments and trusting this location with my business. Unfortunately, that trust has been completely eroded by my recent experience specifically due to the behavior of an employee named XXXX. 

After facing a personal hardship that caused me to fall behind by just XXXX day, I was met with an onslaught of aggressive phone calls. XXXXXXXX XXXX approach felt more like intimidation than customer service, with her tone and persistence making it seem as though I should expect a knock at my front door. 

Ive attempted to escalate the situation multiple times, only to have my concerns passed along to someone who not only works at the same location but openly supports her behavior. Ive received no meaningful follow-up or resolution. Despite multiple requests to speak with someone else, XXXX continues to be the only person I am allowed to speak with regarding my account even when I call simply to make a payment. 

This experience has left me incredibly disappointed and disrespected. I am counting down the days until I am completely done with this loan. After this, I will never do business with Lendmark again. XX/XX/year> would not recommend especially if this is the level of service they stand. 

This message is in reference to the complaint I submitted on Lendmarks page XXXX months ago, after experiencing what I felt was harassment over being a few days late with a payment. Since then, my account has remained current, and Ive made consistent efforts to stay on top of my obligations, even if a payment is occasionally a few days late typically no more than a week, depending on my payday. 

Despite this, I continue to receive multiple phone calls throughout the day reminding me of a missed payment, even when I am just slightly behind. Since my initial interaction with a particular branch manager, this contact has escalated into what feels like persistent harassment, including threats to send my account to collections for being only a few days late. 

Whats more confusing is that Ive received mailed notices reflecting a past due balance of {$0.00}, yet these still contain warnings about being sent to collections. That inconsistency only adds to the stress. 

I understand that timely payments are important, and I take my responsibility seriously even amid personal hardship. But the level of communication and the tone being used feel excessive, aggressive, and borderline harassing. Im not sure what my rights are in this situation, but Im reaching out now to request clarity, support, and relief from the repeated pressure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
CASH APP WILL NOT ALLOW ME TO HAVE AN ACCOUNT WITH THEM AGAIN. I ALREADY REPORTED THEM TO BETTER BUSINESS BUREAU. THEY CLAIM I ALLOWED GAMBLING ON MY CASH APP ACCOUNT WHICH NOT ONLY AM I AGAINST GAMBLING BUT I HAVE ABSOLUTELY NO IDEA WHAT THEY ARE TALKING ABOUT AND THEY NEVER EVEN WARNED ME THROUGH EMAIL THAT MY ACCOUNT WAS BEING COMPROMISED.... I HAVE BEEN ARGUING WITH THEM FOR XXXX  MONTHS NOW! THEY WILL NOT PROVIDE ME EVIDENCE AS TO WHAT WAS SIGNED TO ALLOW THIS ON MY ACCOUNT! I AM COMPLETELY DISGUSTED BECAUSE I HAVE MANY CUSTOMERS THAT WANT TO PAY ME THROUGH CASH APP FOR MY SERVICES I PROVIDE ON XXXX WHICH IS XXXX XXXX I AM NOT GOING TO BE ACCUSED OF SOMETHING I HAVE NO IDEA WHAT THEY ARE TALKING ABOUT ... I AM GETTING ABSOLUTELY NO WHERE WITH BACK N FORTH ARGUING EMAILS, AND THEY STILL WILL NOT PROVIDE ME WITH ANYTHING.... PLEASE HELP ME FIGHT THIS! I AM TRYING TOO ATTACH THE EMAILS BACK AND FORTH BETWEEN MYSELF AND CASH APP AND THIS APPLICATION WILL NOT ALLOW ME TO DO SO .. PROBABLY BECAUSE THIS FILE IS XXXX  MONTHS OF GOING BACK N FORTH WITH THEM.... I REFUSE TO LET THEM WIN OVER SOMETHING I DID NOT CREATE!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I checked my credit report and noticed I had late payments on my XXXX XXXX XXXX account. It was due to the data breaches and someone hacked into my account and it prevented me from making payments starting in XX/XX/year>. The account has been compromised and I would like for the entire account to be removed and blocked from my credit report because the late payments are preventing me from getting approved for credit. There are also XXXX inquiries that were not authorized by me that need to be removed. XXXX 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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I checked my credit report and noticed I had late payments on my XXXX XXXX XXXX account. It was due to the data breaches and someone hacked into my account and it prevented me from making payments starting in XX/XX/year>. The account has been compromised and I would like for the entire account to be removed and blocked from my credit report because the late payments are preventing me from getting approved for credit. There are also XXXX inquiries that were not authorized by me that need to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: MA

Complaint narrative:
This is a Formal Complaint Against Credit Bureaus and Data Furnishers for Misreporting and Failure to Comply with Dispute RequestsI am writing to invoke my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and 15 U.S. Code 1692, regarding inaccurate, unverifiable, obsolete, and unauthorized items listed on my credit report. These items are currently harming my ability to obtain fair financial services.

I am filing this formal complaint with your office regarding systemic violations by credit reporting agencies and/or furnishers concerning my consumer credit file.

This letter serves as a formal demand to cease and desist from reporting and distributing any and all derogatory, inaccurate, and outdated information associated with the accounts listed below. You are legally obligated to investigate, verify, or delete these items under 15 U.S. Code 1681i and 15 U.S. Code 1692g.

According to FCRA 611 and FDCPA 809, any information that can not be verified must be deleted immediately from the consumer 's file. You are also required under FCRA 623 to ensure the accuracy and integrity of the data you furnish to credit bureaus.

Disputed and Demanded for Deletion Immediately : Referencing the credit audit report dated XX/XX/year>, the following accounts are being disputed and require immediate deletion from all consumer reports : Account Name Issue Summary Action Demanded XXXX  : 30-90 day lates, charged off REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 30-60 day lates REMOVE Additionally, I demand the immediate removal of all hard inquiries, closed accounts, collections, charge-offs, and any unauthorized or obsolete listings reported within the last 24 months. 
Legal Grounds : Under the statutes listed below, you are required to take action : 15 U.S.C. 1692c : Prohibits continued communication of disputed information.

15 U.S.C. 1681i : Mandates prompt reinvestigation and deletion if unverifiable.

15 U.S.C. 1681s-2 : Obligates furnishers to report accurate data.

FCRA 605 : Specifies how long derogatory items may remain on a report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: MA

Complaint narrative:
This is a Formal Complaint Against Credit Bureaus and Data Furnishers for Misreporting and Failure to Comply with Dispute RequestsI am writing to invoke my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and 15 U.S. Code 1692, regarding inaccurate, unverifiable, obsolete, and unauthorized items listed on my credit report. These items are currently harming my ability to obtain fair financial services.

I am filing this formal complaint with your office regarding systemic violations by credit reporting agencies and/or furnishers concerning my consumer credit file.

This letter serves as a formal demand to cease and desist from reporting and distributing any and all derogatory, inaccurate, and outdated information associated with the accounts listed below. You are legally obligated to investigate, verify, or delete these items under 15 U.S. Code 1681i and 15 U.S. Code 1692g.

According to FCRA 611 and FDCPA 809, any information that can not be verified must be deleted immediately from the consumer 's file. You are also required under FCRA 623 to ensure the accuracy and integrity of the data you furnish to credit bureaus.

Disputed and Demanded for Deletion Immediately : Referencing the credit audit report dated XX/XX/year>, the following accounts are being disputed and require immediate deletion from all consumer reports : Account Name Issue Summary Action Demanded XXXX  : 30-90 day lates, charged off REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 30-60 day lates REMOVE Additionally, I demand the immediate removal of all hard inquiries, closed accounts, collections, charge-offs, and any unauthorized or obsolete listings reported within the last 24 months. 
Legal Grounds : Under the statutes listed below, you are required to take action : 15 U.S.C. 1692c : Prohibits continued communication of disputed information.

15 U.S.C. 1681i : Mandates prompt reinvestigation and deletion if unverifiable.

15 U.S.C. 1681s-2 : Obligates furnishers to report accurate data.

FCRA 605 : Specifies how long derogatory items may remain on a 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 non-monetary relief
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report, Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information, If, after any reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 

I am requesting that the following accounts be deleted from my credit profile immediately : Negative Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Type : Unsecured Loan Balance : {$8700.00} Past Due : {$8700.00} Status : XXXX XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Type : Unsecured Loan Balance : {$10000.00} Past Due : {$10000.00} Status XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Type : Line of Credit Balance : {$8800.00} Past Due : {$8800.00} Status : XXXX XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Type : Credit Card Balance : {$0.00} Status XXXX XXXX XXXX  Original Balance : {$14000.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Type : Unsecured Loan Balance : {$13000.00} Past Due : {$13000.00} Status : XXXX XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Type : Credit Card Balance : {$0.00} Status : XXXX ( XXXX late in XX/XX/XXXX ) Date Opened : XX/XX/XXXX Last Payment : 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 2025-08-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
And XX/XX/XXXX I purchase a XXXX XXXX XXXX From XXXX XXXX XXXX XXXX XXXX XXXX. When I left, I was not happy with the contract. I gave my first payment of {$1100.00}. 
XX/XX/XXXX I came back and I talked to the manager and told him that I was not happy with some of the numbers on my contract. The contract was going to be through XXXX XXXX was going to be my finance company. He said if I was not happy to give him his car back, and he will refund me my down payment, which, indeed thats exactly what he did. He took all the paperwork for me and gave me a refund into my card for {$1100.00} they gave me a ride home and left me without a vehicle I had to go shopping the very next day for one now I have a new lease and Im getting past due notices from XXXX  that I still owe on the car I returned

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: TRANSWORLD SYSTEMS INC

Complaint narrative:
It's pretty simple. I've been given this collection notice and I'm trying to file a request for clarification to stop the collection process because I don't know parts of the debt or if they're true. So I was given a link to do that her : XXXX XXXX XXXX XXXX The link simply doesn't work and goes into an endless loop but never opens a page. So if this is the only means of me stopping the debt collection process, this is pretty unfair because I'm based in XXXX and the information that the new debt collector company has was obviously taken from the old company, since they have information like Korean address and I have kept that updated in good faith. So the idea that there have to be extra collection charges or that they don't know I'm in XXXX is ridiculous. I'm trying to get in touch with him electronically, as specified on the form they sent me, and the form was only opened recently, because it was thought to be spam by the person living at that address now. So I haven't had the ability to call an XXXX number from overseas nor the time to send them traditional snail mail. And the stated primary means to dispute the debt simply doesn't work. The deadline I was given was until XX/XX/XXXX. And right now it's XX/XX/XXXX at around XXXX EST, so I am within the deadline, so the idea of the fate took down the site or deactivated the link doesn't follow their own deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: KY

Complaint narrative:
I have reached out to IC SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX : ( XXXX XXXX XXXX for the last several months regarding and amount I have already paid directly to XXXX for services. I have even provided proof of payment that spectrum sent me for paying it off. All attempts to correct this and remove it from my credit reports have fallen on deaf ears. Recently I called spectrum to contact them and correct this report on all XXXX credit reports. It still shows I owe XXXX dollars

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 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc.
State: KY

Complaint narrative:
I received an email and calls from a company saying I owed them money in XX/XX/year> I replied requesting the information and proof of me owing it and they sent me a bill. I repeated requested they send me the original agreement showing the terms and what I applied for with some sort of signature showing that I applied for whatever this is and they ignored me. I sent them certified letters and was ignored. Now they are reporting this a charge off on all 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-07 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief