vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$5300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XX/XX/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  Balance {$0.00}

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 2025-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc.
State: SC

Complaint narrative:
I sent a letter requesting the validity of debt to COLLECTION BUREAU HUDSON VALLEY regarding the account XXXX on XX/XX/scrub> 2025.

Federal law requires that collection agencies respond promptly within 30 days. It has been 71 days since the company has received my letter and has failed to not only comply with the federal law but to validate this debt. This account continuing to be listed is a serious violation of the FCRA ( Fair Credit Reporting Act ). 

I am now requesting that you delete this item from my credit report immediately. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: DC

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 2025-05-31 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: DC

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 explanation
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OR

Complaint narrative:
I was going through a rough financial patch, and my XXXX bill went overdue. I was told I had a grace period, but when I got the money to pay it, my bill somehow had turned from my normal of around XXXX to almost XXXX dollars. No explanations given, and even if the phone I was financing was due in full amount because of break of contract, thats no where near the amount they are trying to get. I tried to tell them Id happily the XXXX dollars for the bill I was told and had agreed to pay, they keep updating the accounts year so its not falling off properly on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: LA

Complaint narrative:
I disputed several inaccurate accounts and inquiries with Equifax, including a settled account ( XXXX XXXX ) that is still reporting as 150 days late, and duplicate collection entries. Equifax has not corrected these issues or removed unverifiable entries. These actions violate FCRA 604 and 611. I request full deletion of the listed inaccuracies and unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My Equifax credit report contains multiple violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 compliance guidelines, and general consumer protection laws. I previously submitted a dispute more than 30 days ago, yet Equifax failed to provide any supporting documentation, investigation results, or verification of the disputed data. The report currently includes unverified 90-day late payments on two XXXX XXXX  XXXX accounts and an XXXX XXXX XXXX account, despite prior positive payment history a clear Metro 2 formatting violation. The XXXX XXXX account shows a {$0.00} past due balance but still reflects a delinquency, creating an inaccurate and misleading status. Additionally, the XXXX / XXXXXXXX XXXX appears with conflicting reporting across bureaus and no proof of reinsertion authorization or validation. Numerous hard inquiries from lenders with no associated open accounts remain on the report, despite being challenged. These entries, if unverifiable, should have been deleted under FCRA 611 and 623. Equifaxs failure to respond within the legal timeframe, combined with inconsistent and unverifiable negative data, places them in direct violation of FCRA, Metro 2, and consumer protection statutes.All disputes were done through cfpb website

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On XX/XX/year> i sent {$100.00} from California to XXXX to my wife as XXXX XXXX Tracking XXXX. 
On XX/XX/year> at XXXX receiver iana XXXX came to XXXX XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and provided XXXX passport. Bank refused to give cash because only XXXX XXXX  required or local tax id required to issue local debit card. Company knew it in advance than money will be NEVER received, but concluded contract. In California unjust enrichment more {$950.00} qualified as theft, criminal case. Receiver visited about XXXX different banks in XXXX and all banks refused to give money because only XXXX citizens are able to get usa dollars. Other foreigners are discriminated by XXXX law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MS

Complaint narrative:
I am a self-employed individual who uses Block Inc. ( formerly Square ) for business transactions. On Friday, XX/XX/year>, I logged into my Square account and noticed that transfers were unavailable. There was no notice or explanation given ; it simply said that transfers were not available at the time. I initially assumed the system was down and gave it time. However, when the issue persisted, I contacted Block and was informed that my account was placed on hold due to an alleged garnishment. 

The amount frozen is {$490.00}. I was never notified by Block of the garnishment or provided with any documentation. 

I requested full documentation to validate the garnishment, including the court judgment and garnishment order. Block refused to provide any documentation, citing security purposes, and directed me to contact the creditor instead. 

As a consumer, I have a right to see the legal basis for the withholding of my funds. Without receiving proper notification or being shown valid documentation, I am unable to verify the legitimacy of the garnishment. Blocks refusal to provide these documents violates basic due process and transparency rights. 

I am requesting that Block Inc. either : Provide a copy of the court judgment and garnishment order validating the hold, OR Immediately release the funds being held. 

The withholding of my funds without proper validation is causing significant financial harm and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-31 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: IL

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 2025-05-31 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: NJ

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$680.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$20.00}

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 explanation
Consumer complaint received 2025-05-31 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: NJ

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$680.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$20.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: LA

Complaint narrative:
XXXX XXXX has reported XXXX nearly identical collection accounts for what appears to be the same debt. This is duplicate reporting and violates FCRA due to inaccuracy and lack of validation. I dispute both entries and request that at least XXXX if not both be deleted if full documentation is not produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: LA

Complaint narrative:
Westlake Financial is reporting a repossession and charge-off on my credit without producing the original signed contract, payment records, or legal documentation to verify the debt. I requested verification under FCRA 609, but received no response. This reporting is harming my ability to obtain financing. I request deletion or full documentation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NC

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
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 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 XXXXXX/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 2025-05-31 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: NC

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I got XXXX  XXXX card I pay it I got first card I pay it but got Citi bank and woman within card but I never use Citi bank or woman within want know why Citi card is XXXX help me where they. Hey I'd off now buying my mom XXXX meds on low income

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 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
This letter was sent on XX/XX/year> by my realtor. 
Security Credit Services XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request for Debt Validation Dear Security Credit Services, I am writing in response to your recent communication regarding an alleged debt of {$760.00}, which you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide proper validation of this debt.

Please provide the following information : 1. The name and address of the original creditor.

2. The date the debt was incurred.

3. The amount of the debt, including a breakdown of any fees, interest, or other charges added to the principal amount. 4. A copy of any agreement or contract that bears my signature, indicating my obligation to repay this d
ebt. 5. Evidence that you are licensed to collect debts in my state, including your license number. 

Additionally, I request that you cease all communication with me until this debt has been validated as required by law. 

This letter is not a refusal to pay but a formal dispute of the debts validity. Until you can provide proper validation, I request that you refrain from reporting this debt to any credit reporting agency. If you have already reported it, please note that failure to validate the debt requires you to remove it from my credit report immediately. 

Please respond to this request within 30 days. Your failure to comply will be taken as an acknowledgment that you can not validate the debt, and I will consider the matter resolved.

Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely, ( ME )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: CA

Complaint narrative:
am filing this complaint due to TransUnions ongoing failure to investigate and correct numerous inaccurate and negative items on my credit report, despite being properly notified through a CFPB dispute over 30 days ago. The report contains multiple accounts reflecting inaccurate information, including outdated payment statuses, incomplete data fields, and accounts that do not comply with Metro 2 reporting standards. These inaccuracies include accounts that should reflect a PAANL ( Paid As Agreed, Never Late ) status, as well as derogatory items and collections that are either obsolete, unverifiable, or misreported. Additionally, TransUnion is in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and protections provided under the fair credit reporting actdue to improper reporting and lack of timely investigation. I submitted proper identification, including my government-issued ID and Social Security card , yet I received only a stall letter falsely claiming my identity could not be verified. TransUnion failed to complete its investigation within the legally required 30-day timeframe, and I am now demanding full resolution within 15 days, including the correction of all inaccurate data, update of all eligible accounts to PAANL status, and permanent deletion of all disputed negative accounts immediately

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 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I transferred XXXX to BOA on XX/XX/year>, they told me I was involved into an international fraud, I need to pay for the XXXX  money

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