vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: NY

Complaint narrative:
After reviewing my credit reports, I found multiple accounts that continue to be reported inaccurately and without proper verification. Despite previous disputes, these accounts remain listed as charged off or in collection, even though the furnishers have not provided any signed agreements, payment records, or lawful documentation proving ownership or accuracy. Specifically, accounts from American XXXX XXXX, XXXX Bank ( XXXX XXXX ), XXXX and XXXX XXXX XXXX XXXX XXXX being reported with errors and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Some of these accounts show contradictory statuses, such as XXXX and XXXX XXXX at the same time, while others include unverifiable late payments or unvalidated collection data. The furnishers have not demonstrated compliance with the documentation and validation standards required under FCRA 607 ( b ) for accuracy, 611 ( a ) for reinvestigation, and FDCPA 809 ( b ) for verification of debts. These continued inaccuracies have caused unnecessary harm to my credit profile and do not reflect accurate or lawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I've attempted to reach your office multiple times by phone and via voicemail, but I have not received a response. I have not received any correspondence regarding my divorce case since XX/XX/XXXX. 

The last contact I had with anyone from your office was on XX/XX/XXXX. I stopped by in person, but no one was there. A gentleman in the adjoining building mentioned you had been in the office the prior week. I then called your office and was instructed to leave a message. Later, you returned my call and left a voicemail stating you had a hearing at XXXX p.m., but assured me that either you or XXXX would personally update me the next day. I have not received that update. 

As I previously discussed with XXXX XXXX, I wish to proceed without the adoption due to my ex-husbands failure to pay his remaining portion. You confirmed this would not be an issue. 

I am concerned about the lack of progress and communication, particularly given the financial and personal effort I have invested as a single mother of XXXX. I have provided all requested information and fulfilled my obligations, and I now request a clear update on the status of my case and the expected completion timeline. 

I have paid my dues On XX/XX/XXXX, I made a payment of {$2500.00} for services to finalize my divorce decree. 

Please respond by XX/XX/XXXX so this matter can be resolved promptly. 

Response- XXXX, I apologize Ive been in court I will reach you tomorrow XXXX XXXX XXXX Attorney At Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Telephone : XXXX Text/ Mobile : XXXX Email : XXXX My email after : Dear XXXX XXXXXXXX XXXX  and XXXX, This letter serves as a formal demand for a full refund of {$2500.00} paid on XX/XX/XXXX, for legal services that were never rendered. Despite multiple attempts to contact your office, including a previous email outlining a deadline of XX/XX/XXXX, I have received no response. * * Due to no response and no formal contract signed on my behalf, * * no attorney-client relationship was ever established. 



The lack of communication and the failure to provide any legal services constitute a breach of good faith. I request a detailed explanation for the lack of response and a clear plan for the immediate return of my funds. 



I expect a written confirmation of the refund process within XXXX business days. Please be advised that if I do not receive a satisfactory response within this timeframe, I will be forced to consult with legal counsel to explore all available remedies.

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 2025-10-20 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXXXXXX . 
on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc
State: WA

Complaint narrative:
My brother in another state informed me that Williams and Fudge tried to contact me by way of his number. I immediately called Williams and Fudge and spoke to a XXXX XXXX XXXX. I informed XXXX XXXX on a recorded line that I wished for the debt to be validated and to only communicate with me via email or mail. He said that they would have to call me for somethings and that I would only receive the debt validation via email. When I said that is my right to use my preferred communication he said well then we will keep calling your reference ( my brother in another state ). I said are you threatening me? He said well if we cant get a hold of you then we have to call your reference. He continued in an inappropriate and threatening and aggressive way before I requested a supervisor. 


I was then transferred to a supervisor XXXX XXXX XXXX, who couldnt acknowledge or give a solution for XXXX XXXX inappropriate and aggressive behavior, but said he would send the debt validation request out. Not that it matters but this is for invalid tuition debt for classes I never took. Which makes this so much worse!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Date : * * XX/XX/XXXX # # # * * Subject : Request to Block Fraudulent Information Under FCRA 605B / 15 U.S. Code 1681c-2 * * Dear XXXX XXXX XXXXXXXX I am writing to formally dispute and request the * * blocking of fraudulent information * * on my credit report in accordance with the * * Fair Credit Reporting Act ( FCRA ) Section 605B [ 15 U.S. Code 1681c-2 ] * *. The information in question is the result of identity theft and does not belong to me.

The following item ( s ) should be * * blocked from my credit report immediately * * : * * * Creditor Name : * * [ XXXX XXXX XXXXXXXX ] * * * Account Number : * * XXXX * * * Date Opened : * * XX/XX/XXXX * * * Reason for Dispute : * * Identity theft In accordance with FCRA 605B, I am providing the following documentation to support my claim : 1. * * A copy of a valid identity theft report * * filed with [ XXXX POLICE DEPARTMENT ], dated XX/XX/XXXX. 
2. * * Proof of identity * *, including a copy of my government-issued photo ID and a recent utility bill showing my name and current address.

3. * * A written statement * * confirming that this account is a result of identity theft and that I did not authorize or open the account.

Under the FCRA, you are required to block this fraudulent information from my credit report within * * four business days * * of receiving this request and supporting documentation. Please send me a confirmation in writing once the account ( s ) have been blocked or if further information is needed.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: DEBT 0, INC
State: FL

Complaint narrative:
I enrolled with Deuda Cero / Debt XXXX around XX/XX/XXXX for a debt-settlement program. As part of the process, I signed an Account Agreement with XXXX ( XXXX XXXX ) to hold my deposits while Deuda Cero negotiated with my creditors. The company assured me that if I stopped making payments to my creditors, they would promptly negotiate settlements to reduce my balances. Based on that representation, I followed their instructions and stopped paying.

While they did reach settlements on a few smaller accounts, they failed to address or negotiate major ones, including my XXXX credit card, which escalated into a lawsuit. Because of their delays, lack of communication, and failure to act in a timely manner, the balance on that account and others continued to grow with added interest and legal costs.

Their advertising and communication misrepresented the results and timelines of the program. I was led to believe that all accounts would be handled within the program, but they did not deliver on those promises. The company also continued to deduct funds from my XXXX  account even after I requested cancellation On XX/XX/XXXX, I emailed Deuda Cero to cancel my participation in the program and requested a full accounting and the return of the funds remaining in my XXXX  account. Under Section 9 of the Account Agreement, these funds must be refunded upon termination. Despite this, I have not received any response, refund, or statement explaining where my money went and why it was transferred over to their accounts.

I believe Deuda Cero misled me about their services and broke the FTC Debt Relief Rule. They caused financial harm by telling me to stop paying my accounts without getting timely settlements, and they also gave me false legal advice by saying I didnt need to show up to court and acted as if they represented me when they didnt. I am requesting that the Consumer Financial Protection Bureau investigate this matter and if it's possible, all my funds be returned to me, thank you.

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 2025-10-20 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] 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 2025-10-20 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:
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 XXXXXXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt 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 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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
I requested that my name be changed to my current legal name and provided the signed court order ordering the name change. I provided that to SoFi ( as per their FAQs at https : //support.sofi.com/hc/en-us/articles/360044142751-How-do-I-change-the-legal-name-date-of-birth-Social-Security-Number-citizenship-on-my-account ) but they declined to make the name change based on the official document. I have a check in my legal name that I am therefore unable to deposit at the bank. I chatted online with both a first line associate as well as a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MO

Complaint narrative:
I was scammed by cash app and XXXX  together along with my XXXX account too.this was during 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NJ

Complaint narrative:
I am filing a complaint against TransUnion for allowing deleted accounts to be reinserted back into my credit file without any notice or verification. I submitted a dispute in XX/XX/year> into this account. The account, XXXX XXXX XXXX was deleted in XX/XX/year>, yet it appeared again on my new credit report. This reinsertion is unauthorized and unlawful. It has affected my credit score and caused unnecessary stress. Im asking the CFPB to take action and require TransUnion to delete this account permanently and ensure it does not reappear again. They should not be allowed to reinsert deleted data without proper validation or consumer consent. The FTC website is currently shut down, which prevents me from filing my complaint there, so I need the CFPB to intervene, enforce compliance, and make sure TransUnion stops violating federal law and corrects this issue 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 non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - U.S. Bankruptcy CourtXXXX - XX/XX/year> VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S. Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: Experian Information Solutions Inc.
State: NV

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 2025-10-20 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: FL

Complaint narrative:
Due to a period of XXXX, I was unable to make timely payments on my credit card. It was a difficult time in my life, but Ive taken steps since then to rebuild and make things right. Im committed to addressing my past due balances and improving my financial habits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : BANKRUPTCY - 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 explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 response to consumer: Closed with non-monetary relief