vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number to Thank you for your prompt attention to this matter. I look forward to your swift response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I reviewed my XXXX  report and found multiple accounts inaccurately reporting charge-offs, incorrect balances, and ongoing monthly updates after closure, in violation of FCRA 607 ( b ), 623 ( a ) ( 1 ), and Metro 2 reporting standards. One account from Portfolio Recovery Associates lacks original creditor details and appears re-aged without proper validation, violating FDCPA 809 ( a ). I respectfully request that XXXX  investigate these errors and update or remove the accounts accordingly. My full dispute letter is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: LA

Complaint narrative:
My name is XXXX XXXX and I am filing this complaint against Equifax Experian and TransUnion for continued non compliance with the Fair Credit Reporting Act. I have been disputing multiple inaccurate and unverifiable items on my credit reports since XX/XX/year> and sent a formal follow up dispute on XX/XX/year>. Despite repeated correspondence the credit bureaus have failed to remove correct or provide documentation supporting the continued reporting of the disputed accounts. 

Their failure to investigate and verify the disputed information violates several sections of the FCRA including 15 USC 1681i a failure to conduct a reasonable reinvestigation 15 USC 1681i a 7 failure to provide the method of verification and 15 USC 1681e b failure to maintain maximum possible accuracy. 

The bureaus have not provided the required method of verification the procedures used in verifying each item the full contact information for the furnishers of the accounts or any documents relied upon to verify the accuracy of the data. Because of these failures inaccurate and unverified information remains on my credit report which continues to harm my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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 am really concerned because some inaccurate accounts are still showing on my credit report, and they were not taken out even after everything I submitted. Im begging that you carefully look through the documents Ive attached so I can finally stop feeling this constant worry.

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 2025-10-30 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:
This is a formal dispute under FCRA 611 and 605B. The account XXXX # XXXX was previously removed by Experian after investigation confirmed it was fraudulent and opened when I was a XXXX. Its reappearance violates 611 ( a ) ( 5 ) ( B ), which prohibits reinsertion without certified verification.

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 2025-10-30 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I manually withdrew an amount go to my linked bank account which is the first account listed and the account most used to add and withdraw funds. For some reason that money never appeared in the primary account. Instead CashApp made its own decision without authorization to send that amount to an account I no longer use and is no longer open. Their solution is for me to wait for the closed bank account to send me a check. That solution is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
I went on XXXX leave and could not manage paying credit and loan. It negatively impacted my credit score and now I can't refinance my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: NY

Complaint narrative:
The exposure of my financial information has caused measurable harm, including reputational damage, emotional distress, and the potential for identity theft and fraudulent use of my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is my final notice. Ive already contacted you regarding the fraudulent accounts and unauthorized inquiries being reported under my name and youve failed to act. Let me make this absolutely clear : I am the consumer, and I am personally submitting this letter. No third party is involved. Do not send me another form letter, template reply, or delay tactic. That would only confirm your disregard for the law and my rights. 
You are now knowingly reporting fraudulent data after being provided with official documentation of identity theft. Thats not just careless its legally reckless. Your continued inaction is not only unacceptable it is now bordering on willful noncompliance and will be treated as such.

You Are in Direct Violation of Federal Law : 15 U.S.C. 1681b ( c ) You have no legal basis to share or retain inquiries on my credit file that I never authorized.

15 U.S.C. 1681c2 You are required to block identity theftrelated information within 4 business days of receiving all required documentation which you now have.

18 U.S.C. 1028A By continuing to report fraudulent activity, you are effectively aiding in aggravated identity theft. This is a criminal offense.

15 U.S.C. 1681i ( a ) You are legally obligated to conduct a proper reinvestigation. If the data can not be verified with documented proof of my authorization, it must be deleted immediately. 
Fraudulent Accounts and Inquiries ( Already Disputed and Documented ) : XXXX. XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: PA

Complaint narrative:
I am submitting this formal complaint regarding serious inaccuracies and violations of federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ). Despite multiple disputes, the bureaus and furnishers continue to report inaccurate and unverifiable information on my credit file. These errors are damaging my creditworthiness and causing financial and emotional distress.. 

ADDRESSES : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NV XXXX This address was never authorized or linked to any valid transaction. The continued reporting without proper verification from a legitimate source violates FCRA 609 ( a ) ( 1 ) ( A ) which requires you to disclose the source of any information being reported. No verification document was provided in the first round, proving that this data remains inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX I have never lived or received any mail at this address. Reporting this creates the appearance of identity overlap and damages the integrity of my credit file. You are required under FCRA 602A and 607 ( B ) to ensure that my personal identifying information is correct and precise. 

ACCOUNT : XXXX XXXX XXXX  XXXX * Date Opened : XX/XX/year> Balance Owed : {$0.00} Status : Charge-Off This account remains inaccurately reported as a charge-off with a zero balance, which is contradictory and misleading under FCRA 607 ( B ). If the account is settled with no balance, it can not be simultaneously listed as charged off. The original creditor has not provided verifiable records bearing my signature or proof of default as required under FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ). You are obligated to either furnish documentation that substantiates the accuracy of this report or permanently delete it. Continued reporting of unverifiable charge-offs constitutes willful noncompliance with federal law. 

I am demanding immediate action from the Consumer Financial Protection Bureau to investigate these violations, compel the credit bureaus and furnishers to delete or correct these items, and ensure compliance with all sections of the FCRA and FDCPA. If unresolved, I will pursue further action for willful noncompliance under FCRA 616 and seek statutory damages.

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 2025-10-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
As a XXXX  member I submitted a claim through XXXX XXXX and it was approved for an XXXX XXXX XXXX debt however Credence Management collection keep contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
I am submitting to formally dispute the accuracy of information being reported concerning my XXXX account XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX with a balance of {$68.00}, originally opened on XX/XX/XXXX, and last active as of XX/XX/XXXX. The account is being reported with XXXX late payments in XXXX and XX/XX/XXXX, a XXXX late in XX/XX/XXXX, and XXXX late in XXXX and XXXX  days late XX/XX/XXXX. These reported delinquencies are entirely inconsistent with my verified payment history and therefore require immediate correction.

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 2025-10-30 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: NV

Complaint narrative:
I am submitting to formally dispute several inaccuracies listed on my credit report. These errors include an outdated address, charge-offs that do not accurately reflect my current status, and several inquiries that were made without my consent or a permissible purpose. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that these issues be investigated and corrected promptly. Below are the details of each disputed items, along with my reasoning for their removal or correction. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$9000.00} XXXX  XXXX XXXXXXXX XXXX XXXX Balance {$250.00} XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: NV

Complaint narrative:
I am submitting to formally dispute several inaccuracies listed on my credit report. These errors include an outdated address, charge-offs that do not accurately reflect my current status, and several inquiries that were made without my consent or a permissible purpose. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that these issues be investigated and corrected promptly. Below are the details of each disputed items, along with my reasoning for their removal or correction. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$9000.00} XXXX  XXXX XXXXXXXX XXXX XXXX Balance {$250.00} XXXX 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 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 non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are no public records on my report, and I am pleading with you to remove these incorrect details as soon as possible. The situation is causing me significant stress, and I will not tolerate it.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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