vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : XXXX. XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNT # XXXX {$260.00} To Whom It May Concern, This letter serves as a formal dispute and demand for full legal validation of the above-referenced alleged debt. I, XXXX XXXX, do not acknowledge nor accept any liability for this account. You are hereby instructed to cease all collection activity and credit reporting until full and proper legal validation is provided. 

Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Uniform Commercial Code ( UCC ) 1-308 and 3-501, I demand the following documentation : A copy of the original signed contract with my XXXX signature A binding agreement showing my legal obligation to repay this alleged debt A complete flow sheet or account ledger detailing charges, payments, fees, and interest A full chain of assignment proving lawful transfer from the original creditor to your agency Documentation confirming that this account is not past the statute of limitations under Illinois law Proof of XXXX companys license to collect debts in Illinois, including license XXXX and regulatory authority The name, department, and method of verification used to report this item to any credit bureau A notarized XXXX XXXX a manual investigation was conducted per FCRA 611 and that no eOSCAR automated system was used Let it be absolutely clear : a billing statement, invoice, or summary does not qualify as legal validation. If you are unable to provide all of the above documentation within XXXX calendar days, you must : Delete this account from Experian, Equifax, and TransUnion XXXX all collection communications and efforts permanently Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Illinois Attorney XXXX XXXX, and I will pursue civil legal action for violations of FDCPA, FCRA, and XXXX. 

All rights reserved under UCC XXXX, without prejudice. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : 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 2025-07-31 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: AZ

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-07-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Today I spoke with XXXX different True Accord customer service representatives who both advised me that this account does not belong to me and needs to be removed from my credit immediately. I was advised the name does not match and I myself have never done business with the creditor XXXX XXXX XXXX. Please see the attached debt validation letter in regard to this matter. It was also emailed to True Accord.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-07-31 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions XXXX continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Date : XX/XX/XXXX TO : Equifax Information Services, LLC XXXX XXXX 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 : Final Formal Demand to Remove Unauthorized Child Support Furnishing Litigation Pending Dear Compliance Departments : This letter serves as your final demand and legal notice before immediate litigation is commenced. I, XXXX XXXX XXXX XXXX, am contacting you regarding the continued furnishing and reporting of a child support enforcement account allegedly originated by the Florida Department of Revenue, which you are displaying on my credit report without any legal authority, valid contract, or my express written consent.

Despite multiple disputes and complaints to the Consumer Financial Protection Bureau ( CFPB ), you have continued to furnish and publish inaccurate, harmful, and unauthorized data under my name and Social Security number.

Let it be clearly stated : I have no contractual relationship with Florida Child Support Enforcement.

You have not produced any evidencenor can youthat I ever consented to this data being shared or published.

You are now knowingly and willfully violating federal law through continued reporting.

This demand is being made under the authority of the following federal laws, among others : Applicable Federal Laws Violated : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b ( a ) ( 2 ) Permissible Purpose 1681e ( b ) Reasonable Accuracy Procedures 1681c ( a ) Obsolete/Unlawful Reporting 1681s-2 ( a ) ( 1 ) ( A ) Accuracy by Furnishers 1681n Civil Liability for Willful Noncompliance 1681o Civil Liability for Negligent Noncompliance Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. ( if applicable ) U.S. Constitution : Right to Privacy & Due Process ( if state agency participation is claimed without consent )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
All three credit XXXX, Experian, and XXXX reporting a late payment on a XXXX account ending in XXXX, dated XX/XX/year>, even though the account is marked as paid and closed with a balance of {$0.00}. This derogatory entry is not just misleadingit is entirely inaccurate and a direct violation of federal credit reporting law. There is no justification for listing a delinquency on an account that carries no past due balance, is marked as paid, and has been closed in full. Inaccuracies like this arent minor technicalities ; they create real, measurable harm for consumers and are legally prohibited under the Fair Credit Reporting Act. 

According to 15 U.S.C. 1681e ( b ), credit reporting agencies are legally required to maintain and follow reasonable procedures to assure the maximum possible accuracy of all information contained in a consumers file. Reporting a late payment on an account that is paid in full and closedespecially without any remaining past due amountis a flagrant breach of that responsibility. It sends a contradictory message to lenders : that I was somehow delinquent, yet paid in full and current at the same time. That duality is not just inaccurate, its nonsensical, and it should never have passed internal review at XXXX XXXX. 

When I submitted disputes challenging this entry, I was met with the usual automated rejections claiming the late payment was verified, despite the lack of any supporting documentation or explanation. None of the bureaus provided billing records, creditor statements, or transactional evidence to justify the continued reporting of this derogatory mark. That failure to conduct a proper reinvestigation stands in violation of 15 U.S.C. 1681i ( a ), which mandates a reasonable reinvestigation of disputed information. A form response without documentation is not verificationit is an outright dismissal of a consumers rights and a dereliction of duty under federal law. 

The consequences of this false late payment have not been theoreticaltheyve been substantial. This derogatory mark, although associated with a paid and closed account, has contributed to lowering my XXXX XXXX and tarnishing my credit profile. It has led to higher interest rates, rejected applications, and undue scrutiny from lenders who assume the mark reflects a legitimate delinquency. That assumption is false, and I should not have to carry the burden of correcting the record after the bureaus have failed to perform even the most basic checks before publishing damaging information.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2025-07-31 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: CA

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
Consumer complaint received 2025-07-31 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
Subject : Disputed Account Continues to Be Reported Without Proper Validation Creditor : XXXX XXXX XXXX XXXX XXXX Original Creditor : Capital XXXX, XXXX. 
Account Number : XXXX Reference Number : XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reference Number : XXXX Dear to whom it XXXX concern, I am writing to follow up on my original complaint regarding XXXX XXXX XXXX XXXX XXXX. After receiving their response dated XX/XX/year>, I am not satisfied with the outcome. They provided minimal documentation and have failed to prove that the information they are furnishing to the credit bureaus is accurate and verifiable as required under the Fair Credit Reporting Act ( FCRA ). 
Most notably, XXXX XXXX XXXX XXXX XXXX has associated my account with an address I have never lived at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is incorrect and constitutes a serious inaccuracy in their records. I have never resided at this address, and I believe this misidentification raises questions about the integrity of their data and their right to report this debt on my credit report. I request your continued assistance to ensure that XXXX XXXX XXXX is held accountable for proper reporting and compliance with federal law. Please include this information as part of my original complaint record. 
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 2025-07-31 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX XXXX between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-31 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/year> I referred a new client to the CashApp app. I was supposed to receive {$15.00} and the person I referred was due {$10.00}. 

The {$10.00} hit their account, but then was sucked out with the reason of " This payment was cancelled for your protection ''. 

I spoke with support and they said referrals are only paid out when the following criteria is met : To receive an invitation bonus, an invited friend must : - Be new to Cash App with no previous accounts - Enter their invite code correctly within XXXX XXXX  of sending/receiving their first payment - Link a personal debit card not associated with another Cash App account. People under XXXX can activate a Cash App XXXX instead - Send {$5.00} or more, either as a single payment or multiple smaller payments, within XXXX XXXX  of entering the invite code If these steps are completed in time, a bonus will automatically be credited to both accounts. Since the bonus was not applied that means the steps were not completed. 

All of the above were completed and I have screenshots that show the code was accepted, the account was new, and the money was set to a friend. If this was not the case the bonus wouldn't have showed up at all. 

Their support just kept saying the above over and over and would not say which step SPECIFICALLY was not competed.

Company response to consumer: Closed with explanation