vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: NC

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The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED 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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
I rented a kitchen table from Acima. They tricked me into paying a TON of money. I got a new bank account so my payments failed. I NEVER received email/ written communication from any debt collectors. I got a call from my county compliance officer threatening to take legal action for defrauding a company and breach of contract. This is absolutely ridiculous as I have never received any commotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: IL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: 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 2025-10-08 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: TX

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

Company 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 2025-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Collection Bureau, Inc.
State: MD

Complaint narrative:
I am writing to file a complaint against UNITED COLLECTION BUREAU , INC. regarding their mailing tactics and their failure to validate a purported debt they are attempting to collect.

1. Improper Contact/Communication ( Mailing Tactics ) : On or about [ Insert Date of Receipt ], I received a piece of mail from UNITED COLLECTION BUREAU , INC . The envelope contained literally no identifying markers on the exterior to indicate that it was from a debt collection agency or any business at all. The only information visible on the outside was a return address consisting of a P.O. Box and a city/state.

This highly deceptive mailing tactic caused me to almost discard the envelope unread, as it appeared to be unsolicited junk mail or spam due to the lack of a recognizable sender. A consumer should be able to clearly identify the sender of official correspondence, especially mail related to a purported financial obligation, without having to open the envelope. This practice is misleading and obscures the true nature and importance of the communication.

2. Lack of Debt Validation : Furthermore, UNITED COLLECTION BUREAU , INC. has not provided adequate documentation to prove that they legally own or have the right to collect this alleged debt, or that the debt is actually mine. I have already requested validation and have not yet received validation despite the initial communication. The company has failed to provide verifiable proof, including the name of the original creditor and a full accounting of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: NY

Complaint narrative:
Date : XX/XX/XXXX Initiated bank transfer from way2go to personal checking account. {$1100.00} Transaction said cleared. Money was not received. 
I had provided my checking account and member ID. I have called way2go every day since I started this transfer and no one has given me any solid information. 

I am in desperate need of these emergency unemployment funds And no one can help me. I sit on hold. 

I reached out to a local senator office to have them help advocate for me. 

I need my money today!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I am formally disputing the reporting of late payment ( s ) and any related derogatory remarks associated with my above-referenced account. Upon reviewing my credit reports, I noticed that your company has reported XXXX or more late payments that I believe are inaccurate, unverifiable, or incorrectly documented. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to ensure the accuracy, completeness, and integrity of the data they report to the credit bureaus. Additionally, under Section 611 ( 15 U.S.C. 1681i ), any information that can not be verified must be promptly corrected or deleted. 

I am requesting that you conduct a complete reinvestigation into this account and provide proper validation of any alleged late payment ( s ). Please supply documentationsuch as original billing statements, payment records, or account ledgersthat substantiates your claim that my payment ( XXXX ) were late. 

BARCLAYS BANK DELAWARE Account number XXXX Date of Late payments : XXXX, XXXX, XXXX and XX/XX/2024 XXXX Account number XXXX Date of Late payments : XXXX, XXXX, XXXX and XX/XX/2024 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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of iXXXX XXXXt. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes, Particularly in light of the XXXX CFPB lawsuits highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX  findings indicate that Zelle has not only neglected to protect consumers but had also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This lacks of accountability and transparency is unacceptable and raises serious concerns about consumers safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: AR

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX U.S.C. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
Make certain to abide by 15 U.S. Code 1681g and erase the disputed accounts accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: NATIONAL DEBT RELIEF LLC
State: GA

Complaint narrative:
The National Debt Relief was advertised as a debt consolidation, which advised its customers that credit will be improved and paid. That meant that they negotiated terms to pay off debt. That process meant that it didnt improve debt it made it worse. I made payment on time and got my debt down to XXXX. With a second payment to XXXX XXXX. XX/XX/year>, I lost my job due to lack of government funding. I sent documents and they again turn me into the credit companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
Complaint : On XXXX I sent {$500.00} through MoneyGram. I initially received confirmation via email that the funds were being delivered. However, a MoneyGram representative later canceled the transaction without explanation. This cancellation appears intentional, spiteful, and unjust, as I have consistently sent money from the same account using the same transaction information every month without issue.

I believe this action constitutes unfair and deceptive treatment. I request an immediate full refund of the {$500.00}. I have attached screenshots documenting the transaction and confirmation emails.

I ask that the CFPB review this matter and take action to ensure I am refunded promptly. 

XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: CO

Complaint narrative:
XXXXXXXX XXXX - XX/XX/XXXX - {$5000.00} XXXX XXXX - XX/XX/XXXX - {$3400.00} XXXX XXXX - XX/XX/XXXX - {$1800.00} XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - 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 2025-10-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Stellantis Financial Services US Corp.
State: MS

Complaint narrative:
I am an XXXX XXXX member with XXXX  orders and Stellantis denied my ability to exercise my rights under the SCRA for leased vehicles.

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 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX I am writing to formally dispute the validity of the account referenced on my credit report. Pursuant to my rights under the Fair Credit reporting act and the Fair Collection Practices ( 15 USC 1692g, I am requesting the following documentation to verify the legitimacy of this account.

1-Purchase agreement-signed by myself which explains this agreement.

2-Contractual Evidence-include documentation that provides the terms of this alleged debt.

3-Chain of custody/title. If debt was purchased or transferred showing the transfer ownership, including the purchase agreement.

4-An itemized account statement-include a breakdown of payments, interest, and fees associated with this account.

Under 15 USC 1692g ( b ), all inaccurate or false information reported to the credit bureaus must be removed promptly. I request an immediate investigation into the matter and the correction of my credit report by removing the inaccurate information. Furthermore, this file is reported improperly as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have followed the proper dispute process in good faith, expecting XXXX, XXXX  and XXXX  to uphold its obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a lawful, thorough, and timely investigation. Instead, I have been met with continued inaction, inadequate responses, and a complete disregard for my rights as a consumer. This ongoing negligence has resulted in further harm to my credit standing, despite my clear and repeated attempts to resolve the matter. 

Under the FCRA, XXXX, XXXX  and XXXX  is legally required to ensure that all information contained in a consumers credit report is accurate, complete, and verifiable. If bureaus can not provide direct, verifiable, and documented evidence substantiating the disputed information, it must be deleted immediately from my report pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). The burden of proof does not rest with me ; I have met all my obligations by identifying the disputed items and providing notice.

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 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: GOLDEN 1 CREDIT UNION, THE
State: TX

Complaint narrative:
Golden 1 Credit Union revoked my debit card privileges after I filed a dispute ( Case # XXXX ) regarding unauthorized transactions. Although the dispute was denied, there is no valid reason for my debit card to be deactivated while my checking account remains open. I was not accused of fraud, nor did the credit union provide any clear explanation or written notice for restricting my access. This action has caused unnecessary hardship and appears to be retaliatory or unfair account management.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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