vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Dear Sir/Madam, I am writing to formally submit a complaint against XXXX for continuing to report a 60-day late payment on an account that was discharged in bankruptcy. This information is not only inaccurate, but it is also misleading and violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Bankruptcy Code. 

Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : I don't know Date of Bankruptcy Discharge : XX/XX/XXXX Case Number : XXXX Details of the Complaint : I filed for bankruptcy under Chapter [ XX/XX/XXXX ] in [ Year ], and the account referenced above was included in my bankruptcy filing. On [ Date of Discharge ], my bankruptcy was discharged, and I am no longer liable for this debt. According to the Bankruptcy Code, once a debt is discharged, I am no longer legally responsible for repaying it, and all collection efforts must cease. The creditor was notified of the discharge, and the debt was eliminated.

However, Experian continues to report that the account is 60 days past due, which is false and inaccurate. The account should reflect a XXXX balance and should include a notation that the debt was discharged in bankruptcy. Reporting it as " past due '' misrepresents my creditworthiness and violates the protections granted to me under the Fair Credit Reporting Act ( FCRA ), which mandates that all credit information be accurate and truthful. It also violates the discharge injunction under the Bankruptcy Code, which prohibits creditors from continuing collection activity on discharged debts.

Request for Action : I respectfully request that the Consumer Financial Protection Bureau intervene to : Investigate the inaccurate reporting by XXXX 
Ensure that the account is corrected to reflect a XXXX balance and marked as discharged in bankruptcy. 
Instruct XXXX to remove any references to 60-day late payments or any other negative remarks associated with the account that no longer reflects my actual liability.

Take appropriate enforcement actions if necessary to ensure XXXX complies with federal regulations and my rights as a consumer.

Supporting Documentation : A copy of my bankruptcy discharge order. 
A copy of my credit report from XXXX showing the incorrect reporting. 
on XXXX and XXXX credit card I have already disputed this inaccurate reporting directly with Experian and the original creditor, but the issue persists. I appreciate your attention to this matter and look forward to your prompt resolution. 
Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
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 forementioned accounts, collections, and hard inquiries are the results of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C/C Financial
State: MD

Complaint narrative:
YOUR COMPLAINT According to 15. U.S.C 1692 ( c ) you have violated my rights by in lawful communications. please remove this collection off of my credit report Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in questions, and they are negatively impacting my credit. Per section15 USC 1681 c-2, any fraudulent accounts I did not authorize or sign a contract for must be removed off my credit report in 4 days!

These Fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-08-09 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:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in questions, and they are negatively impacting my credit. Per section15 USC 1681 c-2, any fraudulent accounts I did not authorize or sign a contract for must be removed off my credit report in 4 days!

These Fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
SOMEONE APPLIED FOR THINGS FROM MY NAME AND I NEVER APPLIED FRO SUCH THINGS SO I MAILED DOCUMENTS TO MY BEUROUS MY XXXX  AND TRANSUNION SALVED THE ISSUES WITHIN A WEEK BUT EQUIFAX SEEMS LIKE DOESN'T CARE ABOUT ME EVER TIME I ACLL THEM IT SEEMS LIKE THEY ARE MAKING UP A STORY WHY THEY DIDN'T RMEOVE MY INQIRIES AND EVEN TOLD ME THAT THIS INQUIRIES HAVE BEEN REMOVED FROM MY NAME ALREADY AND I CHECKED THEY LIED. THESE ARE THE INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I NEED THIS FRAUD TO BE REMOVED FROM MY NAME I AM TIRED OF THIS FRAUD ALREADY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I deposited an official government-issued check from the State of Tennessee for \ {$1400.00} into my Capital One checking account on XX/XX/XXXX. Despite the checks legitimacy and guaranteed status, Capital One placed an extended and unexplained hold on my funds. 

I have contacted the bank multiple times to inquire about the hold, but the reasons given were vague and insufficient. This delay has caused me significant financial hardship, as I urgently need access to the funds for essential expenses. 

I am requesting that Capital One provide a clear explanation for the hold, expedite the release of my funds, and review their policies to prevent unnecessary delays on government check deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date of Birth : XX/XX/XXXX - SSN : XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the Equifax Data Breach XXXX Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 


XXXX XXXX - Opened XX/XX/XXXX - Balance {$19000.00} XXXX XXXX XXXX - Opened XX/XX/XXXX - Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft.

2. Provide written confirmation that these fraudulent items have been blocked and deleted.

3. Ensure my credit report accurately reflects only legitimate accounts and inquiries.

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ).

Proof of address ( e.g., utility bill ).

A signed affidavit of identity theft ( if required ) - And my Social Card.

As required by law, I expect these fraudulent items to be blocked within four business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ).

I trust that this matter will handle promptly and in compliance with federal law.

I thank you so much for your immediate attention to this urgent matter. 



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 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: MO

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> TO : United Collection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : NOTICE OF DISPUTE & DEMAND TO CEASE AND DESIST UNDER 15 U.S.C. 1692c ( c ) & 15 U.S.C. 1681i To Whom It May Concern : This letter serves as formal notice that I am disputing the alleged account referenced below, which you have reported to XXXX or more consumer reporting agencies and are attempting to collect. 

Alleged Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am exercising my right to dispute the completeness and/or accuracy of this account. You are required by law to conduct a reasonable investigation and to remove or correct any inaccurate, incomplete, or unverifiable information. If you can not provide written validation and substantiating documentation of the debt, including the original contract bearing my signature, this account must be deleted from all consumer reports in which it appears. 

In addition, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are hereby instructed to CEASE AND DESIST from any further contact with me regarding this matter, except to confirm in writing that you will cease further collection efforts and/or to provide validation of the debt as required by law. 

Let this letter serve as a formal dispute and a demand for the following : 1 * Immediate cessation of all communication with me about the alleged debt.

2 * Cessation of any reporting or re-reporting of the account to credit bureaus until the dispute is resolved.

3 * A full investigation under 15 U.S.C. 1681i and a written explanation of your findings.

A copy of any and all records you have regarding this account, including the original signed contract and the original purchase agreement, and the forward flow agreement. 

Failure to comply with these demands may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office. I also reserve the right to pursue legal action for violations of the FCRA and FDCPA. 



Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to dispute two collection accounts that appear on my credit report, which I believe are inaccurate and/or unverifiable. 

Details of the Disputed Accounts : Collection Agency Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Reported Balance : {$1000.00} Date Reported : XXXX Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$500.00} Date Reported : XXXX Reason for Dispute : These accounts are not mine OR I have no record of owing these debts.

I have not received any written validation or original creditor documentation as required under 15 U.S.C. 1692g ( FDCPA ).

Reporting unverifiable or inaccurate information violates the Fair Credit Reporting Act, 15 U.S.C. 1681i.

I request that the CFPB require the collection agencies and the credit reporting agencies to : Provide full validation of these debts, including the original signed agreement and complete payment history.

Remove these accounts from my credit report if they can not be fully validated within the required time frame.

Cease reporting of any unverified information to credit bureaus.

Supporting Documentation : A copy of my current credit report showing the disputed items.

A copy of my government-issued ID.

Proof of address.

I appreciate your prompt assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 2025-08-09 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: Experian Information Solutions Inc.
State: MD

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 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, I made approximately {$3400.00} in purchases for in-game content in Call of Dragons, processed through Cash App. After realizing these purchases were not financially sustainable, I contacted the merchant, XXXX, directly to request a refund and offered to forfeit my account or have all purchased items removed. 

In a written response ( attached ), the merchant confirmed that all of their payments are handled through the payment platform usedin this case, XXXX XXXX instructed me to request the refund through the payment processor. Since my transactions were made via Cash App, this placed responsibility back on Cash App to process the refund. 

I submitted a dispute to Cash App with this merchant correspondence included, but Cash App declined my request, stating that the payments were processed correctly. This disregards the fact that the merchant directed me to seek the refund through the payment platform and that I offered to return or forfeit all goods received. 

I believe Cash App has the ability and responsibility to facilitate the refund as the payment processor, especially given the merchants written direction and my documented willingness to cooperate. The refusal to act leaves me without recourse despite taking all the recommended steps from the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: OH

Complaint narrative:
This is not my debt! I recently checked my credit report and saw this. This must be deleted immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, Transunion and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, Equifax and Transunion inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, Transunion and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, Equifax and Transunion inaction 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 2025-08-09 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: MN

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute inaccurate and unverifiable information listed on my credit report maintained by your agency. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and applicable state consumer protection laws. 

After reviewing my credit file dated XX/XX/year>, I found the following accounts reporting incorrect, incomplete, or unverifiable information : 1. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting as Charge-off / delinquent with conflicting balances and status across bureaus. This account is inaccurate and can not be verified as reported. 
Request : Delete or correct to show accurate payment history and balance. 
2. XXXX. of Education / NELN Multiple Student Loan Accounts ( XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Several accounts report XXXX days late and Past due 180 days while also showing prior Account previously in dispute resolved. This is contradictory, misleading, and damages my creditworthiness. 
Request : Remove all late payment notations or delete the accounts if accurate verification can not be provided. 
3. XXXX XXXX XXXX XXXX for XXXX XXXX ( XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Appears as a collection with differing statuses between bureaus ; Experian already marks it Disputed. The original creditor information is incomplete, and no signed agreement or complete payment history has been provided. 
Request : Delete this collection as unverifiable under XXXX. 
4. XXXX XXXX ( Original Account ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports as a Charge-off with a balance owed after being sold to collections, which constitutes double reporting in violation of the FCRA and CFPB guidelines. 
Request : Remove this duplicate or update so that only XXXX valid tradeline exists. 

Under the FCRA, you are required to : XXXX a reasonable reinvestigation of these items. 
Provide me with the method of verification, including the name and contact information of the furnisher. 
Delete or correct any information that can not be verified within XXXX XXXX of receipt of this letter.

Company response to consumer: Closed with explanation