vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-26 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: AZ

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 2025-06-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
In XX/XX/XXXX I had my identity stolen at XXXX XXXX XXXX where they purchased phones under my name. I had froze my credit and contacted XXXX XXXX XXXX to let them know I did not authorize the purchases made under me. I reported this incident to the police as well. It was wiped from my debt. Now XX/XX/XXXX Credence LLC is attempting to collect a debt from me that I do not owe to XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NJ

Complaint narrative:
Recently, I reviewed my credit report and discovered several inaccuracies.

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in their reports.

According to 15 U.S. Code 1681i ( 5 ), if a reinvestigation reveals that disputed information is inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NJ

Complaint narrative:
I'm reaching out to formally dispute an account listed on my credit report that is completely unfamiliar to me and not mine in any way. I do not recognize this account, I have never opened or used it, and I have never had any relationship with the creditor listed. Simply put : this account is unknown to me and is clearly a case of mixed or incorrect data being attached to my credit file. 

This is a serious issue, and I am demanding that this matter be addressed immediately and thoroughly. I work hard to maintain and protect my credit, and I will not allow inaccurate, misreported, or misattributed information to tarnish my record.

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 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XX/XX/year> Hello I have a collection of XXXX. 

I have started a payment plan from capital one to pay XXXX dollars a month to pay off my amount. 
The other day I went back in the capital one app to make another payment but they had my account charged off and closed. The main problem is that I didnt even know about that they closed my account and they didnt even call me, send me an email or letter until XX/XX/year> yesterday I received a letter a whole month later and I want to get this fixed. My account was soled to a debt collector called portfolio recovery associates phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-06-26 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: CA

Complaint narrative:
This letter serves as a formal Round 2 dispute notice regarding inaccuracies still appearing in my Equifax credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], as well as demanding adherence to Metro 2 Compliance Standards as defined in the XXXX XXXX XXXX XXXX XXXX. 

Your failure to correct the reporting after my initial dispute constitutes willful non-compliance and negligence in maintaining accurate and verifiable data. You are now being put on notice. 

PERSONAL INFORMATION BEING DISPUTED : Incorrect Previous XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These entries are inaccurate, outdated, and must be permanently DELETED from my credit profile. 

ACCOUNTS BEING DISPUTED : XXXX XXXX XXXX This account lacks proper verification under FCRA 611 and Metro 2 formatting standards. Provide documented evidence of permissible purpose, signed agreement, and accurate payment history reporting. Otherwise, DELETE immediately. 

COLLECTIONS BEING DISPUTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These collection entries appear to violate Metro 2 format, and FCRA 1681e ( b ) requiring maximum accuracy. You are required to provide : Full chain of custody Signed original agreements Proper reporting format per 2020 XXXX XXXX XXXX If you can not furnish proof of accurate, permissible, and lawful reporting, you must DELETE each item. 

Additionally, I demand a detailed explanation of : How these entries were verified Which data furnishers supplied the verification What procedures were used to investigate my dispute Per FCRA 611 ( a ) ( 7 ), I am requesting complete results of your reinvestigation, mailed physically to the address listed above within 30 days of receipt of this letter.

If any information is found to be unverifiable or incorrect, you are required by law to DELETE it immediately from my file.

Let this serve as a second and final notice. I reserve the right to pursue legal remedies under FCRA 616 and 617 for willful non-compliance, negligent reporting, and failure to correct erroneous data.

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 2025-06-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I received notice from one of my credit monitoring services that a new collection account was reported to my credit file. I checked the online service portal and saw a collection account being reported by National Credit Systems in Georgia. 

The date opened was listed as XX/XX/year> for an amount of {$12000.00}. I have never heard from this company and dispute this debt. I have not received any information regarding the alleged amount owed, nor any information regarding how to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: VA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XXXX XXXXXX/XX/year>

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 2025-06-26 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: PA

Complaint narrative:
XXXX XXXX is reporting a closed revolving credit account ( Account # : XXXX ) with multiple late payments ( XXXX and XXXX  days past due ) during the year XXXX. However, these negative entries appear to have been added while the account was in dispute and may have been reported without verifying their accuracy. 

The payment history reflects delinquencies from XXXX through XX/XX/XXXX, despite the fact that : The account was marked as disputed during this period, Comments from the bureaus show the dispute was resolved, yet the negative marks remain, The account is now closed and shows Pays account as agreed or Paid or paying as agreed. 

This is damaging my credit unfairly, especially since no new late payments have occurred since early XXXX, and the account is in good standing. I believe this is a potential violation of the Fair Credit Reporting Act ( FCRA ), which requires that data furnished be accurate and not misleading, particularly under FCRA 1681e ( b ), 1681s-2 ( a ), and 1681i.

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 2025-06-26 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: NY

Complaint narrative:
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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX # XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
I was banned on Cash App and both my email and phone number does not allow me on this app. 

I wish someone from cash app to email me so I may resolve and appeal this ban.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
Equifax Information Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$8300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: PA

Complaint narrative:
XXXX XXXX is reporting a closed revolving credit account ( Account # : XXXX ) with multiple late payments ( XXXX and XXXX  days past due ) during the year XXXX. However, these negative entries appear to have been added while the account was in dispute and may have been reported without verifying their accuracy. 

The payment history reflects delinquencies from XXXX through XX/XX/XXXX, despite the fact that : The account was marked as disputed during this period, Comments from the bureaus show the dispute was resolved, yet the negative marks remain, The account is now closed and shows Pays account as agreed or Paid or paying as agreed. 

This is damaging my credit unfairly, especially since no new late payments have occurred since early XXXX, and the account is in good standing. I believe this is a potential violation of the Fair Credit Reporting Act ( FCRA ), which requires that data furnished be accurate and not misleading, particularly under FCRA 1681e ( b ), 1681s-2 ( a ), and 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
I am disputing a {$95.00} collection reported by CCS ( Credit Collections Services ) on behalf of XXXX XXXX. 
I have been a paying XXXX customer continuously since XXXX and have never received any notice of debt, cancellation, or balance due. I was never notified of any delinquent amount, nor has my policy ever lapsed or been suspended. 

This collection appeared on my XXXX report in XXXX and was previously removed from either XXXX XXXX XXXX  when I disputed it. XXXX is now stating the account was verified yet I was never shown any actual documentation or billing breakdown from XXXX to validate this amount. 

This is a billing error or misattributed debt, and I am requesting this item be fully removed from my credit report across all bureaus. It is damaging my score for a debt I was never made aware of and do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
This is my final notice and formal challenge regarding the continued reporting of the following accounts. These claims are being reported without verified evidence, in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Guidelines issued by the Consumer Data Industry Association ( CDIA ).

According to the CDIA 's 2020 Credit Reporting Resource Guide ( CRRG ), ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. Your failure to meet the minimum compliance and factual accuracy standards as required by federal law and Metro 2 format means these accounts must be permanently DELETED.

I demand that you immediately DELETE all claims listed below that lack full documentation, original signatures, and proof of accurate reporting, or that fail to meet Metro 2 formatting and data integrity rules. 

Collections Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LEGAL BASIS : Und

er 15 U.S. Code 1681i, you are required to conduct a reasonable reinvestigation of any item disputed. You must also comply with FCRA 1681e ( b ) and Metro 2 Format standards, which mandate maximum possible accuracy. Any account that lacks : Date of first delinquency Original documentation Permissible purpose Chain of custody and account ownership Legally admissible proof of debt must be DELETED, not updated or corrected.

I also demand a notarized affidavit from an individual with firsthand knowledge of each alleged debt, confirming that it : Was not disputed due to defective goods or services Was never claimed as a tax write-off Was never submitted as an insurance loss You have 7 days from receipt of this notice to comply. If you fail to respond with verifiable evidence and full Metro 2 compliant documentation, I will proceed with formal complaints to the CFPB, FTC, and state regulators, and initiate legal action for willful noncompliance under FCRA 1681n.

You are hereby advised to delete these unverifiable claims immediately.

Company response to consumer: Closed with non-monetary relief