vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : DISPUTE OF DUPLICATE REPORTING AND INACCURATE INFORMATION Account # : XXXX ( XXXX ) To Whom It May Concern : This letter is a formal dispute under the Fair Credit Reporting Act, 15 U.S.C. 1681i, regarding duplicate reporting and inaccurate information appearing on my credit report. I am exercising my right to dispute the following account : Creditor : XXXX Account # : XXXX After reviewing my credit report, I have identified critical violations of federal consumer protection laws : 1. **Duplicate Reporting Violating 15 U.S.C. 1681e ( b ) ** : - The exact same account ( same account number and creditor ) appears TWICE on my credit report. 
- One entry shows an opening date of XX/XX/XXXX with a status update in XX/XX/XXXX. 
- The duplicate entry shows an opening date of XX/XX/XXXX with a status update in XX/XX/XXXX. 
- It is logically impossible for the same account to have been opened on two different dates. 

2. **Material Inaccuracies Violating 15 U.S.C. 1681s-2** : - The duplicate entries contain contradictory information about the same account. 
- Both entries show " Paid, Closed/Never late '' status but with different timelines. 
- This contradictory reporting creates a false credit history. 

XXXX. **Improper Re-aging Concerns Under 15 U.S.C. 1681s-2 ( a ) ( 2 ) ** : - The discrepancy in dates suggests possible improper re-aging of the account. 
- Federal law prohibits reporting information that is known or should be known to be inaccurate. 

Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into these matters within 30 days. Given the obvious duplicate reporting and contradictory information, I request that you : 1. Remove the duplicate entry of this account 2. Verify the actual, legitimate opening date of this account XXXX. Ensure any remaining entry contains complete and accurate 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 2025-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: IN

Complaint narrative:
I financed a XXXXXXXX XXXX XXXX XXXX  in XXXX of XXXX. I made the final payment on the loan XX/XX/XXXX. See attached confirmation email from XXXX XXXX, the holder of the loan. A debt collection agency Zions Debt Holdings is falsely reporting this debt to XXXX and XXXX and attempting to collect on a paid debt. They are claiming they purchased the debt from XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-05 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Tel : ( XXXX ) XXXX XXXX : XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Formal Dispute Request for Immediate Deletion of Erroneous Medical Account Creditor : XXXX ( Account # XXXX, {$3500.00} ) To Whom It May Concern, I am writing to formally dispute the inclusion of a medical account listed under XXXX on my Equifax credit report, with account number XXXX and a reported balance of {$3500.00}. This account is not mine, and I have never authorized or assumed responsibility for it. 

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681e ( b ) ), consumer reporting agencies such as Equifax are legally obligated to maintain accurate and complete information in credit reports. The presence of this account on my file is a direct violation of this obligation because it pertains to a debt I have never incurred, nor have I ever received medical services from the provider associated with this account. 

The account XXXX is a medical debt, and under FCRA 1681c ( a ) ( 6 ), a debt collection entry for medical accounts must be reported accurately and legally. This account was neither authorized by me nor was I made aware of any debt resulting from medical services. In addition, FDCPA 1692e prohibits debt collectors from using false or misleading representations, which includes reporting debts that do not belong to the consumer. 

I assert that this medical debt was fraudulently reported, as I have never opened, signed, or been responsible for any such account. As such, I demand that this entry be removed from my credit report immediately, as it is a false and inaccurate representation of my financial history, in direct violation of the FCRA 1681i, which guarantees my right to request the immediate removal of unverified or inaccurate information. 

Additionally, I expect Equifax to comply with the legal requirements set forth by the FCRA and FDCPA, both of which require consumer reporting agencies to promptly investigate disputes and delete inaccurate information from my credit report. As stipulated under FCRA 1681i ( a ) ( 1 ) ( A ), you are required to complete this investigation within 30 days of receiving my dispute. 

If this issue is not resolved in the prescribed time frame, I will escalate the matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and will explore my options for legal recourse under FCRA 1681n and 1681o, which provide for statutory damages, actual damages, and attorney 's fees. 

Please confirm the immediate deletion of this account from my credit report and provide me with an updated copy of my credit file reflecting this change. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies m

e. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute
of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 explanation
Consumer complaint received 2025-04-05 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: LA

Complaint narrative:
I am writing to advise that I am a victim oXXXX XXXX  For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX 

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXXXXXX in persons or XXXXXXXX XXXX if the consumer has provided XXXX documentation to the consumer. 

The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX if the consumer has provided XXXX  documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX XXXX . Section 605C is effective 30 days after the XXXX issues its final implementing regulations. 

BILLING CODE : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Docket No. 

XXXX ] RIN XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases oXXXX XXXX XXXX  ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

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 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
every single day I get four calls a day two of them are unknown and two of them are listed in caller id as Comenity Bank. I attempt to answer unknown and they are silent. They finally just responded they were comenity this morning.

The woman went straight to me owing money i said take me off your list and she said no you owe {$4000.00} and some off change. Which is crap. I told her this was not my debt she continued to yell over my voice saying you owe us. It was obviously a fraud call. Zero service etiquette. I proceeded to say i dont owe you anything im not who your even asking for. She said you said you were and i said- i said freaking hello and she went silent.

theyve called with over 4 different phone numbers so far that have commenity bank. 

XXXX XXXX XXXX XXXX All come up as Comenity Bank and have been calling alternating with an Unknown number XXXX a day!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: FL

Complaint narrative:
I am writing to request a re-investigation of inaccurate and incomplete information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I previously disputed the XXXX XXXX XXXX account ( account number XXXX ) on my Experian credit report, but the original investigation was not properly conducted, and the reported information remains unchanged and incorrect. Due to multiple persistent inaccuracies, I expect the resolution of this re-investigation to be the complete deletion of this account from my credit report. These errors continue to negatively impact my credit score, and I demand a thorough re-investigation to address them.

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 2025-04-05 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act to conduct a reasonable investigation of disputed information on my credit report, which resulted in leaving inaccurate and/or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of outcomes. 1 or more of these failures align with my experiences, where Experian has neither corrected or removed disputed items despite the evidence I provided, resulting in ongoing negative impact to my credit standings. With this I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian in action violates federal law and my rights as a consumer.

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 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I had Cash app in XX/XX/year> when I experienced hacking issues. Money was being sent and received under my cash app account without my consent. I then reach out to Cash app, at the time there was no real customer service. They then closed my account with no real explanation. Due to the hacking that occurred on my account, now every time I try to make a new cash app under my Social it automatically gets shut down and closed. 
$ XXXX Case REF # XXXX I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Ac t ( CFPA ). Specifically Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress of these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Reinsertion of Inaccurate Address Without Notice FCRA Violation ( 611 ( a ) ( 5 ) ( B ) ) To Whom It May Concern : This letter is to inform you that an inaccurate addresses, name variations and phone numbers, which I previously disputed and had successfully removed from my credit report, has now been reinserted. The information in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Residential Under Section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ), if any deleted information is reinserted into a consumers credit file, the consumer must be notified in writing within 5 business days of the reinsertion. I never received any such notification. 

This reinsertion is not only inaccurate but also a violation of my rights as a consumer. I demand the following : Immediate removal of the incorrect addresses, name variations and phone numbers from my credit report A detailed explanation of how and why the address was reinserted A copy of all documentation used to verify and authorize the reinsertion Assurance that the address will not be reinserted again without full legal compliance This is a formal dispute under the FCRA. I have also submitted a complaint with the Consumer Financial Protection Bureau ( CFPB ) and will escalate further if necessary. 

Enclosed are the following for your reference : A copy of my credit report showing the reinserted addresses, phone numbers and name variations A copy of my government-issued ID Please investigate and respond in writing within the 30-day timeframe as required by law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation