vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: Collection Management Holdings, LLC
State: GA

Complaint narrative:
Credit management keeps putting this bill XXXX  delete from my profile back on my page I sent in debt letters for them to very it the couldnt so the delete it an den keep re putting it back on her which is wrong an im tired them break the law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a false late payment listed on my credit report that I believe was reported in error. I have verified with my own records that the payment was made on time.

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

Complaint narrative:
In XX/XX/XXXX, XXXX  announced a data breach that exposed the personal and financial information of millions of individuals, including mine. As a result of this breach, beginning in XXXX and continuing through XXXX, fraudulent accounts were opened or attempted to be opened in my name without my authorization. Some of these accounts include those listed by XXXX and XXXX XXXX, which are reflected on my credit reports. 

Upon discovering these unauthorized accounts, I promptly filed an identity theft report with the Federal Trade Commission and disputed the fraudulent accounts with the credit reporting agencies. Despite my actions, the disputed accounts have remained on my credit reports, affecting my creditworthiness and causing ongoing emotional distress and financial harm. 

XXXX  was notified of the situation and provided with documentation, but has not resolved the issue by fully investigating, blocking, or deleting the fraudulent accounts as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ). I am requesting the immediate removal of these fraudulent accounts and a full investigation into XXXX  's handling of my personal data and subsequent disputes. 

XXXX find attached a copy of my ID, FTC Complaint, XXXX  confirming I was apart of the Data Breach,

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this complaint against all three major credit bureaus * * Experian, Equifax, and TransUnion * * for failing to respond to my formal Section 609 dispute requests, which I submitted on * * XX/XX/year> * *. 

In those letters, I requested full verification and original documentation for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( Experian only ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Experian only ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian only ) As of today, it has been * * more than XXXX days * *, and I have * * not received any response, verification, or resolution * * from any of the credit bureaus. This is a direct * * violation of the Fair Credit Reporting Act ( FCRA ) * *, which requires a timely investigation and response within 30 days of receiving a formal dispute. 

Because of their failure to respond and verify these accounts as required by law, I am requesting that the * * above-listed accounts be permanently removed from my credit reports * *. If this matter is not resolved immediately, I will be forced to pursue legal action for noncompliance with the FCRA and damages related to inaccurate credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting this complaint against all three major credit bureaus * * Experian, Equifax, and TransUnion * * for failing to respond to my formal Section 609 dispute requests, which I submitted on * * XX/XX/year> * *. 

In those letters, I requested full verification and original documentation for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( Experian only ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Experian only ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian only ) As of today, it has been * * more than XXXX days * *, and I have * * not received any response, verification, or resolution * * from any of the credit bureaus. This is a direct * * violation of the Fair Credit Reporting Act ( FCRA ) * *, which requires a timely investigation and response within 30 days of receiving a formal dispute. 

Because of their failure to respond and verify these accounts as required by law, I am requesting that the * * above-listed accounts be permanently removed from my credit reports * *. If this matter is not resolved immediately, I will be forced to pursue legal action for noncompliance with the FCRA and damages related to inaccurate credit reporting.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

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. 



List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MO

Complaint narrative:
I have direct deposit weekly from my employer and have had them for years. My paydays are fridays and my pay is usually available around XXXX. Its after XXXX so I reached out to cashapp support and got the usual response. Just sent information on how to fix my issue myself. That its my employer who needs to fix it. No one in any customer service dept does anything to help customers. Nothing! All they do is send us links for us to figure out what the issue is or tell us to wait patiently and they apologize for the inconvenience. Im so tired of hearing that I could scream. I was raised to believe when you apologize you dont keep doing the same thing. In other words dont apologize for the inconvenience when you do nothing but inconvenience the customers. In banking, the customer service reps need to go into their customers account and give their customer an exact answer not make a guess about what the issue is. Customer service is nonexistent in my opinion. All these big companies whove outsourced probably the most important dept of their business, customer service, has shown me exactly how important I am to them. Its disappointing and Im disgusted that I even spend my money with someone who doesnt appreciate it.

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

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$5600.00} XXXX - XX/XX/XXXX - {$5100.00} XXXX XXXX XX/XX/XXXX - {$2500.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$19000.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$5600.00} XXXX - XX/XX/XXXX - {$5100.00} XXXX XXXX XX/XX/XXXX - {$2500.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$19000.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
An account I did not create or approve has been placed on my credit report. I have no association with this account, nor have I given permission for my personal information to be used in this way. This inaccurate information is the result of fraudulent activity and is causing damage to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX is reporting multiple installment accounts to my credit report that I believe contain inaccurate or unverifiable information. I have requested verification and documentation to support their reporting, including signed contracts and payment histories, but they have failed to provide any details. Instead, XXXX XXXX has dismissed my complaints as frivolous without conducting a proper investigation, which is a direct violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

I have never received a full breakdown or verification of the XXXX accounts they claim I originated. I am not disputing the fact that accounts may have existed I am disputing the accuracy, completeness, and legality of the data being reported. XXXX XXXX refusal to cooperate or investigate is obstructing my ability to correct my credit report and exercise my consumer rights. I am requesting that this matter be fully reviewed and that any unverifiable or inaccurate accounts be removed from my credit report.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because Experian is reporting a bankruptcy on my credit report that I did not authorize them to report, and which was not verified in accordance with federal law. 

First, Federal Rule of Bankruptcy Procedure 9037 strictly limits the public disclosure of sensitive personal information in bankruptcy court records. Credit bureaus like Experian do not have permissible access to full identifying information via PACER due to these redactions. As such, Experian can not confirm with any certainty that the bankruptcy belongs to me. 

Additionally, under 15 U.S.C. 1681a ( 4 ), any consumer report must contain only accurate and verifiable information tied to the actual consumer. The bankruptcy listed on my report lacks such verification and is therefore being wrongfully attributed to me. 

Further, 15 U.S.C. 1681e ( b ) requires Experian to maintain reasonable procedures to ensure the maximum possible accuracy of consumer information. Given that Experian can not legally or accurately match redacted bankruptcy court records to my full personal identifiers, its reporting of this bankruptcy is reckless, inaccurate, and in violation of the FCRA. 

I have not received proof from Experian that they have conducted a proper investigation, nor have they provided documented evidence linking this bankruptcy to me using full and accurate personal identifying information ( i.e., full name, SSN, and address ).

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have 2 installments oXXXX XXXX XXXX  that arent mine, which Ive addressed to experian a few times but they would never get them removed despite the needed documentation/attachments Ive submitted such as PDFs of my ID, recent utility bill, FTC report & a police report from my local police ( Im not sure if theres anything else I need to submit ).

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