vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-07-18 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: TX

Complaint narrative:
I was unaware of these fraudulent accounts and did not open them. Please delete them from my credit report within 15 days as mandated by USC 1681g. Enclosed are documents in support.

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 2025-07-18 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-18 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: MS

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/XXXX I requested an external transfer to my XXXX XXXX  Account from my Capital One Savings Account. I received a request to verify the first and second deposit amounts of XXXX XXXX  and XXXX XXXX and proceeded to transfer {$4000.00} dollars from my Capital One Savings to my XXXXXXXX XXXX XXXXXXXX. In understanding that this was not the first time I have made external deposits to my XXXX Account from my Capital One account I anticipated the deposit the next day. However " I received an email notification from the Capital One Consumer Protection Department in a request for Identification. I contacted the Consumer Protection Department by phone where they collected my XXXX XXXXXXXX  Drivers License by XXXX XXXX However " I was told by the Consumer Department Manager that my Accounts were frozen until I could get to the nearest Capital One Branch to additionally " verify my XXXX XXXX License. 'When I explained that I live XXXX miles from the nearest Capital One Bank Branch , the Consumer Department XXXXXXXX XXXX XXXX XXXX  ) exclaimed that there was no other way to additionally " verify my XXXX XXXX Drivers License . 'When I suggested that I emailed my XXXX XXXX Drivers License XXXX stated ' that it must be additionally ' verified at the nearest Capital One Bank Branch . 

Post Script 'When I first opened my Savings Account in XXXX, I submitted my XXXX XXXX License by Email to Capital One without ever stepping foot into a Bank XXXX XXXX Additionally ' when I opened my Checking Account in XXXX with my XXXX Oklahoma XXXX I Emailed a copy of my license to Capital One never stepping foot into a Bank Branch .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Cash Link USA, LLC
State: TX

Complaint narrative:
In XX/XX/2024, I took out a loan from XXXX XXXX XXXX. Over the phone, I was told payments would be once per month. I agreed to the terms based on that verbal agreement and trusted them because Ive had around XXXX loans with this company in the past. 

However, I later discovered they were withdrawing payments twice a month via XXXX. I did not authorize bi-weekly withdrawals. I only agreed to monthly payments based on the phone call. I have already asked them to review the recorded call, which confirms they stated the payments would be once a month. 

After realizing the issue, I stopped the automatic ACH payments. The company is now referring to the written contract, but I was misled over the phone and trusted their word because of our long-standing history. I am requesting a refund for any unauthorized extra payments and for them to honor the monthly payment agreement.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NY

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

OFFICE OF THE ATTY GEN # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened 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 2025-07-18 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 writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with XXXX XXXX. XXXX ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: OH

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MD

Complaint narrative:
My Cashapp account has been locked since XX/XX/ 2025 and no one is answering my questions as to why. I have contacted support via chat and phone calls and my account is still locked with no explanation. I have money in my Cashapp savings account which I need in order to pay my bills and pay for my medication. I am XXXX and need my XXXX medication! I sent my stepson money via Cashapp on XX/XX/XXXX and my account has been locked since then AND the transaction is still pending. I received an email from XXXX from Cash App XXXX on XX/XX/XXXX asking for an explanation and I immediately responded to no avail. I have prescriptions to pick up and can not access my money. I am continually getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
Dispute Reason : This collection account is inaccurately reported and unverifiable. 

Explanation : I am disputing the account reported by Professional Debt Mediation, which appears as closed on my credit report. I request a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) and a detailed method of verification.

Specifically, I request the credit bureau to obtain : Verification of the debt The name and address of the original creditor The date of first delinquency If the furnisher can not verify this information, the item must be deleted from my credit file. Please notify me in writing once the investigation is complete.

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 2025-07-18 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: IA

Complaint narrative:
b'I sent a certified letter to XXXX XXXX XXXX via USPS mail with a tracking number of XXXX XXXX XXXX XXXX XXXX XXXX . The letter was delivered to XXXX  in XXXX XXXX XXXX XXXX XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. XXXX ignored my request and I proceeded to send another letter on XXXX They also ignored my 2nd letter. The accounts that were included in both letters were.XXXX XXXX XXXX balance is  XXXX with account number  XXXXXXXX XXXX XXXX balance is XXXX with account number  XXXX XXXX balance is  XXXX  with account number  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 2025-07-18 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: NC

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> IMMEDIATE REMOVAL OF INACCURATE CHARGE-OFF ACCOUNTS NOTICE OF FCRA VIOLATIONS To Whom It May Concern : This is a formal demand for immediate removal of inaccurately reported charge-off accounts on my credit file, as reported by your agency.

You are currently reporting information that is incomplete, inaccurate, outdated, and unverifiable, which constitutes willful noncompliance under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 -- - ACCOUNTS TO BE REMOVED IMMEDIATELY : XXXX. Creditor Name XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. Creditor Name : XXXX XXXXXXXX Account Number : XXXX XXXX. Creditor Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX These accounts have either already been disputed or were never properly verified. Yet your agency continues to report them without : Providing any evidence from the original creditor or data furnisher ; Certifying reinserted data as required under FCRA 611 ( a ) ( 5 ) ( B ) ; Notifying me within the 5-day window required after reinsertion ; Correcting the misleading and harmful impact these accounts have had on my credit file. 





This pattern of neglect is consistent with the ongoing CFPB lawsuits against Experian ( XXXX XXXX XXXX and penalties against Equifax ( XXXXXXXX XXXX  ) for systemic failure to conduct proper investigations and the illegal reinsertion of previously deleted accounts. 





-- - FORMAL DEMAND UNDER FCRA LAW : You are hereby instructed to : Delete these charge-off accounts immediately from my credit report ; Cease and desist from reporting any unverifiable or reinserted information ; Provide written confirmation of deletions within 15 calendar days.

You are required by FCRA 611 ( a ) to perform a reasonable investigation, and failure to do so is a willful violation of federal law. If these accounts are not removed promptly, I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) ; Notify the Federal Trade Commission ( FTC ) and State Attorney General ; Pursue legal action for damages under FCRA 616 and 617.

Be advised : I am fully aware of my rights, I am keeping thorough documentation of this process, and I will not hesitate to escalate this matter legally if this dispute is not resolved to my satisfaction and in accordance with federal law. 





Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and unlawful reporting on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 credit reporting guidelines. 

The account in question with XXXX XXXX was : Opened on : XX/XX/XXXX Closed on : XX/XX/XXXX Charge-off status : Profit and Loss Write-off Last payment made : XX/XX/XXXX Despite this account being closed and charged off, it is still being reported as " In Collections/Charge-off '' and updated monthly through XXXX XXXXover four years after closure. This continued monthly derogatory reporting is misleading, outdated, and in violation of : 15 U.S. Code 1681s2 Duty to provide accurate information 15 U.S. Code 1681e ( b ) Duty to ensure maximum possible accuracy Furthermore, the Metro 2 Guidelines recommend that once an account is charged off and closed, it should not continue updating monthly as derogatory unless payments or activity occurswhich did not.

I am requesting the following : 1. Immediate deletion or correction of this account to reflect its accurate status. 


XXXX. Removal of all payment activity and derogatory marks after XX/XX/XXXX. 


XXXX. Cease any future updates of this charged-off account, as no activity has occurred since its closure. 



Please complete your investigation within the 30-day window as required under 15 U.S.C. 1681i. If you find that the information is inaccurate or unverifiable, please delete it from my credit report. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-18 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXXXXe XXXX ( XXXX ) and 15 U.S. CXXXXe 1XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief