vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2025-11-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Block, Inc.
State: CA

Complaint narrative:
CFPB, I am filing this complaint regarding the behavior of Cash Apps customer service representatives. When I contacted Cash App for assistance and informed them that I had already filed a CFPB complaint, their attitude immediately became dismissive. Instead of helping me, the representative brushed off my questions, showed no willingness to assist, and made it clear they did not want to deal with my concern anymore. 

I was not rude or inappropriate. I simply informed them that a complaint had been filed so they would understand the seriousness of the issue. However, their tone and behavior changed for the worse. It felt unprofessional, disrespectful, and retaliatory. No consumer should be treated differently or ignored simply because they exercised their right to file a complaint with a federal agency. 

This type of customer service is unacceptable and raises concerns about how Cash App handles consumer issues, especially when regulatory matters are involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
On XXXX i've noticed and I am requesting CFPB enforcement action because both Transworld Systems Inc and XXXX XXXX XXXX XXXX  are furnishing unverified, unvalidated, and legally deficient collection accounts in violation of the Fair Credit Reporting Act and FDCPA. Neither company provided required validation under FDCPA 809 ( b ), nor did they provide any documentation requested under FCRA 609 ( a ) ( 1 ) ( A ). Reporting unverified debt is a direct violation of FCRA 623 ( a ) ( 1 ) and FCRA 602A, and both collectors are supplying the credit bureaus with information they can not verify. This appears to be part of a systematic pattern of illegal debt reporting and noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: WI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I requested validation of debt. In return, I received an offer to settle the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
This emotional toll has been very overwhelming. I have lost sleep, felt constant stress, and experienced the embarrassment of being turned away by landlords for something that i believe should not even be on my record. this has impacted not only me, but my ability to provide safe and stable housing for my family. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. they didn't follow the proper XXXX-step validation procedure. 
According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I paid a bill that put me in overdraft but wells fargo has 1 day off grace and my deposit on XX/XX/XXXX covered the expense. However they charged me overdraft because another charge put my acct into negative. I understand paying overdraft for the XXXX charge but they are saying that because my acct was not positive for XXXX hrs then they can charge me overdraft for both amounts. That is not right. I have disputed this on XXXX other occasions and all they do is explain their policy. It's not right that I'm being charged overdraft for amounts that did NOT put my acct negative.

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 monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
As far as XXXX years ago I have consolidated all the student loans that I supposed to have accured into one big amount. Meaning that all other student loans that XXXX XXXX XXXX should be deleted that say closed. There are XXXX accounts on each of my credit reports XXXX XXXX, XXXX that all say closed that are putting negative looks on my reports. There is only one account that has the full balance that is some what correct. The others should be permenatley deleted. Also the student loan for XXXX XXXX should completely be forgiving as for when the school was open and I attended the financial aid person told me me that I didn't have a balance because everything was taken care of by XXXX XXXX except for a small portion that I paid biweekly until clear. However, this financial aid is still trying to stick me with payments for XXXX XXXX when they do not even exist anymore due to not being funding anymore or credited. They had a huge lawsuit against them to where all three location in the state of VA were completely shut down. The were raided by the XXXX  due to alleged student aid withholding, the exact reason why they said I didn't have to pay anymore than the direct payments every XXXX weeks, Also the graduation date is XXXX percent wrong on the XXXX XXXX XXXX website. I graduated in XX/XX/XXXX not XX/XX/XXXX. It needs to be forgiving as I who was a student at this college from XX/XX/XXXX until XX/XX/XXXX should be forgiven as I can not use my Diploma for any medical field due to the tarnishment that comes XXXX XXXX alone. It is considered a waist of time and effort because of the misinformation given by the school as it was open. So in summary the " closed accounts '' from XXXX XXXX  need to be permanetly removed as they were consolidated into one big amount, and XXXX the XXXX XXXX amount should be forgiven due to all the information I mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$85.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$750.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 XXXX  years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2025-11-29 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: AR

Complaint narrative:
Duplicate : accidentally left off credit report.... 

To Whom It May Concern, This letter is a formal FCRA and Metro-2 compliance dispute regarding the inaccurate and inconsistent reporting of specific accounts on my credit file. The information reported by your bureau is not complete nor accurate, and contains violations of : - FCRA 602 ( a ) Maximum Possible Accuracy - FCRA 611 Reinvestigation Requirements- FCRA 607 ( b ) Failure to Maintain Reasonable Accuracy Procedures- Metro-2 CRRG Reporting Standards I am not requesting verification by E-OSCAR. I am requesting correction or deletion based on the factual inaccuracies identified below. ACCOUNTS REPORTING INACCURATE / NON-COMPLIANT DATA XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status is reported simultaneously as : - Closed - Charge-Off / Collection - Current / Paid Delete this account for failure to report uniform status data. XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Charge-off and Closed status conflicts - Improper account classification Delete this account for inaccurate reporting. XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Charge-off status conflicts- Date of First Delinquency not properly reported Delete this account. XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Different payment history and status across bureaus Delete this account for inaccurate reporting. XXXX. XXXX XXXX ( Multiple Accounts ) XXXX, XXXX, XXXX, XXXX - Accounts only on XXXX bureau - Missing DOFD - Metro-2 violations Delete these accounts. XXXX. XXXX Account # XXXXXXXX XXXX XXXX XXXX  - Conflicting status across bureaus - Missing uniform payment history Delete this account. REQUEST FOR IMMEDIATE ACTION Because the above accounts contain reporting inconsistencies, inaccurate information, improper coding, and Metro-2 violations, I demand the following action : XXXX. Delete each account listed due to inaccurate and unverifiable reporting. XXXX. Provide the following for EACH account if you choose to keep it : - Method of Verification ( FCRA 611 ( a ) ( 7 ) ) - Furnisher name and contact information - Original Date of First Delinquency - Verification source used CERTIFICATION I certify the statements listed above are true. This is a factual dispute supported by inconsistencies in the credit data. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: AR

Complaint narrative:
Duplicate : accidentally left off credit report.... 

To Whom It May Concern, This letter is a formal FCRA and Metro-2 compliance dispute regarding the inaccurate and inconsistent reporting of specific accounts on my credit file. The information reported by your bureau is not complete nor accurate, and contains violations of : - FCRA 602 ( a ) Maximum Possible Accuracy - FCRA 611 Reinvestigation Requirements- FCRA 607 ( b ) Failure to Maintain Reasonable Accuracy Procedures- Metro-2 CRRG Reporting Standards I am not requesting verification by E-OSCAR. I am requesting correction or deletion based on the factual inaccuracies identified below. ACCOUNTS REPORTING INACCURATE / NON-COMPLIANT DATA XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status is reported simultaneously as : - Closed - Charge-Off / Collection - Current / Paid Delete this account for failure to report uniform status data. XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Charge-off and Closed status conflicts - Improper account classification Delete this account for inaccurate reporting. XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Charge-off status conflicts- Date of First Delinquency not properly reported Delete this account. XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Different payment history and status across bureaus Delete this account for inaccurate reporting. XXXX. XXXX XXXX ( Multiple Accounts ) XXXX, XXXX, XXXX, XXXX - Accounts only on XXXX bureau - Missing DOFD - Metro-2 violations Delete these accounts. XXXX. XXXX Account # XXXXXXXX XXXX XXXX XXXX  - Conflicting status across bureaus - Missing uniform payment history Delete this account. REQUEST FOR IMMEDIATE ACTION Because the above accounts contain reporting inconsistencies, inaccurate information, improper coding, and Metro-2 violations, I demand the following action : XXXX. Delete each account listed due to inaccurate and unverifiable reporting. XXXX. Provide the following for EACH account if you choose to keep it : - Method of Verification ( FCRA 611 ( a ) ( 7 ) ) - Furnisher name and contact information - Original Date of First Delinquency - Verification source used CERTIFICATION I certify the statements listed above are true. This is a factual dispute supported by inconsistencies in the credit data. Sincerely,

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirm is reporting late payments for account XXXX on my XXXX credit report, but they have not provided any documentation proving the accuracy of the delinquency. I disputed the account directly with Affirm and requested verification of the specific late-payment dates, billing statements, and any notices of missed payments. 

Affirm only sent a generic verification letter that does not include any evidence of delinquency. It contains no late-payment dates, statements, or documentation to support the negative reporting. 

I then disputed this account with XXXX. XXXX verified the account, but XXXX did not provide proof of late payments and appears to have relied solely on Affirms certification. 

At the same time, Experian updated XXXX other Affirm accounts ( XXXX and XXXX ) after Affirm was unable to verify the late-payment history. This demonstrates inconsistent and unreliable verification across the same furnisher. 

XXXX remains with late-payment reporting even though Affirm has still not provided any documentation supporting delinquency. I am requesting CFPB assistance because the reported late-pay history appears unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in disagreement with the items listed below, which still appear on my Experian credit report, even after Experian claimed to have completed an investigation. 

These inaccuracies are highly injurious to my credit rating. 

Unauthorized and Impermissible Inquiry ( s ) These inquiries were not authorized, not initiated by me, and should not be reporting under any circumstances : XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XX/XX/year> ) These inquiries appear in my FTC Identity Theft Report, confirming they were NOT made by me. 

FCRA Violations & Consumer Privacy Laws Broken The following laws have been violated by Experian and/or the data furnishers by continuing to report these inquiries : 15 U.S.C. 1681 Congressional Findings & Purpose You must protect the consumers right to privacy and accuracy.

15 U.S.C. 1681b ( a ) ( 2 ) Permissible Purpose Required A credit inquiry can not be made without my written authorization. 
None exists. 
None has ever been provided.

15 U.S.C. 1681i Failure to Properly Reinvestigate Experian failed to conduct a reasonable reinvestigation despite evidence of identity theft.

15 U.S.C. 1681c-2 Blocking Identity Theft Information Upon receiving a valid FTC report , the bureau must block identity theft items within 4 business days. 

My FTC complaint qualifies as a valid identity theft report. Experian did not block the inquiries.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting Information Known to Be Inaccurate Furnishers may not report data they know or should know is inaccurate.

15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Experian must have procedures to ensure accuracy.

The continued reporting proves that they do not.

15 U.S.C. 1681c ( a ) ( 5 ) Prohibition on Adverse Information Over 7 Years Unauthorized inquiries are adverse information and can not be reported. 

Gramm-Leach-Bliley Act ( GLBA ) Financial Privacy Experian is disseminating my private financial information without authorization. 

FTC Identity Theft Enforcement Guidance Under an official FTC identity theft filing, all unauthorized items must be blocked.

Harm Caused to the Consumer Experians refusal to remove these fraudulent inquiries has caused : Damage to my credit score Denial & delay of credit applications Harm to my ability to obtain fair housing and financing Emotional distress and financial impact Breach of my privacy and exposure of sensitive personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I have a collection against me from XXXXXXXX XXXX XXXXXXXX XXXX. I have not received any communication from the company or the collections agency on ways to resolve this debt or a settlement offer. The collection agency continues to report this debt on my credit report without notifying me of any solution for correcting it. 

I am writing regarding a collection account your company claims I owe in connection with XXXXXXXX XXXX XXXXXXXX XXXX. This letter serves as a formal request for full validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

This is not a refusal to pay. I request that your office provide proper documentation so I can verify the accuracy and legitimacy of the account. 

Please provide the following : Verification that I am legally responsible for the debt, including a copy of the original signed lease agreement with XXXXXXXX XXXX XXXXXXXX XXXX. 

A complete, itemized statement of all charges, fees, rent, damages, or penalties being claimed. 

A copy of the final move-out statement, including inspection notes, deductions, and dates. 

Documentation proving National Credit Systems has the legal right to collect, including proof of assignment or transfer of the debt from XXXXXXXX XXXX  XXXX XXXX. 

A complete payment history for the account, including all payments, credits, and adjustments. 

A copy of your collection agency license authorizing you to collect in my state. 

Until you provide validated proof of the debt, you must cease all collection efforts, including phone calls, letters, and reporting or updating this debt with any credit bureaus. If you can not validate the debt, you are required to : Remove the collection from my credit reports, Cease all collection activity, and Notify any credit bureaus you have reported to.

Company response to consumer: Closed with explanation