vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Company reaching out about lawsuit that I have no ideas about and its not against me at all its another person but there sending me information about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
I am disputing inaccurate credit reporting by XXXX XXXXXXXX XXXX. This account was included in my XXXX XXXXXXXX bankruptcy filed on XX/XX/XXXX and discharged on XXXX of XXXX. 

Despite the bankruptcy filing, the creditor has reported delinquent payments after the filing date. This is inaccurate and violates the Fair Credit Reporting Act ( FCRA ) as well as credit reporting guidelines, which require that accounts included in bankruptcy be updated to reflect included in bankruptcy, a {$0.00} balance, and no late payments after the filing date.

I am requesting that the creditor : 1. Correct the account to show included in bankruptcy, {$0.00} balance, and no delinquencies after the filing date.

2. Remove all inaccurate late payment notations that occurred after the bankruptcy filing.

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: 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: IL

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 non-monetary relief
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: The Stark Collection Agency, Inc.
State: GA

Complaint narrative:
The debt dont belong to me the address is associated with the debt dont belong me

Company response to consumer: Closed with explanation
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Between XXXX and XXXX, multiple accounts were reported on my credit file as charged-off, in collections, or with negative payment history, as well as several hard inquiries from lenders. 

The listed accounts include : XXXX XXXX charged off in XX/XX/XXXX for {$18000.00}. 
XXXX XXXX charged off in XX/XX/XXXX for {$590.00}. 
XXXX XXXX XXXX XXXX charged off in XX/XX/XXXX for {$15000.00}. 
XXXX XXXX  XXXX I two collection accounts ( {$300.00} and {$120.00} ) reported between XXXX and XXXX. 
XXXX XXXX XXXXXXXX XXXX collection account for {$120.00} reported XX/XX/XXXX. 
XXXX XXXX XXXX collection account for {$2000.00} reported XX/XX/XXXX. 
XXXX XXXX  collection account for {$2000.00} reported XX/XX/XXXX. 
Dept of Education XXXX XXXX multiple student loan accounts with late payment history from XXXX. 
XXXX XXXX XXXX collection account reported XX/XX/XXXX. 
XXXX XXXX XXXX collection account reported XX/XX/XXXX. 
Hard inquiries from the following lenders also appear on my credit file and are disputed : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX 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 I dispute the accuracy and completeness of the above information. The data provided by furnishers is inaccurate, incomplete, and/or unverifiable. According to the FCRA, Section 605 ( b ), it is unlawful to report information on my credit file without my permission. I have contacted the credit reporting agencies to request removal of these items, but they remain.

I am requesting that these negative accounts and inquiries be removed from my credit file and that my report be corrected to reflect only accurate and verifiable 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 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, is a debt collector. Our client XXXX XXXX XXXX placed the consumer 's account with our agency on XX/XX/year>. A validation notice was sent to the consumer on XX/XX/year>. This notice was not returned to our company as undeliverable. As a courtesy, we have closed this account and returned it to our client. If any adverse information has been reported to the credit reporting agencies, we will request it be removed with our next update. Should the consumer require further assistance, they are welcome to contact XXXX XXXX, our

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: Kriya Capital, LLC
State: GA

Complaint narrative:
The information on this account is in accurate. The address is inaccurate. The debt is inaccurate because this debt not belong to me.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This complaint concerns the continued reporting of a collection account that is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide validation of the debt, proof of transfer or assignment, flow agreement, and bill of sale, as required under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

I have disputed this account directly with the furnisher and the credit bureaus, provided supporting evidence, and allowed 30 days to respond. The collector failed to supply the requested documentation but continues reporting the account. 

I am requesting the immediate deletion of the collection tradeline from all credit reports and that all collection activity cease until full validation is provided.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
For the CFPB * * To Whom It May Concern, * * I am submitting this complaint to the Consumer Financial Protection Bureau regarding XXXX failure of securing my personal checking account and its failure to provide any reasonable means of resolution.

After attempts to receive follow-up communication from their team, I have been met with nothing. No representative has contacted me This lack of transparency and accountability has disrupted my ability to manage necessary financial obligations and created undue stress. I am requesting the CFPBs assistance The amounts of XXXX and XXXX dollars is what is in question right now XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

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: Diversified Adjustment Service, Inc.
State: MO

Complaint narrative:
Account appeared on credit report, not my debit, fraduelent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$960.00}

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 was paid
Company: TrueAccord Corp.
State: NC

Complaint narrative:
Item was returned to the store and creditor was repaid and agreed to clear from account. Never did. They just kept blowing up my phone tryna get paid again after they was paid already.

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: 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Pl XXXX XXXX, GA XXXX XXXX Date : XX/XX/year> Subject : Formal Dispute Request for Deletion of Inaccurate Tradelines To Whom It May Concern : I am formally disputing the accuracy and completeness of the following accounts currently appearing on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information you report. The current reporting of these tradelines contains multiple inaccuracies and therefore violates this statute. 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ if applicable, insert full/partial number ] Under FCRA 15 U.S.C. 1681s-2 ( b ), each data furnisher must conduct a reasonable investigation upon receiving notice of dispute and must correct or delete any information that can not be verified. Failure to fully and lawfully verify the accuracy of these tradelines within the required timeframe mandates their deletion. 

For any accounts involving student loans ( including XXXX XXXX ), please note that pursuant to 34 CFR 682.208 ( f ), loan servicers are required to report accurate and current information regarding federal student loans. Any failure to maintain accurate reporting or to update corrected information constitutes noncompliance. 

You are hereby instructed to conduct an immediate reinvestigation of each tradeline listed above. If you can not fully substantiate the accuracy of all data reportedincluding payment history, balances, and account statuseach disputed tradeline must be deleted from my credit file in its entirety. 

Please provide me with written confirmation of your investigation results, as well as copies of any documents you relied upon in verifying these accounts, pursuant to my rights under the FCRA. 

Sincerely, 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 2025-08-10 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Pl XXXX XXXX, GA XXXX XXXX Date : XX/XX/year> Subject : Formal Dispute Request for Deletion of Inaccurate Tradelines To Whom It May Concern : I am formally disputing the accuracy and completeness of the following accounts currently appearing on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information you report. The current reporting of these tradelines contains multiple inaccuracies and therefore violates this statute. 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ if applicable, insert full/partial number ] Under FCRA 15 U.S.C. 1681s-2 ( b ), each data furnisher must conduct a reasonable investigation upon receiving notice of dispute and must correct or delete any information that can not be verified. Failure to fully and lawfully verify the accuracy of these tradelines within the required timeframe mandates their deletion. 

For any accounts involving student loans ( including XXXX XXXX ), please note that pursuant to 34 CFR 682.208 ( f ), loan servicers are required to report accurate and current information regarding federal student loans. Any failure to maintain accurate reporting or to update corrected information constitutes noncompliance. 

You are hereby instructed to conduct an immediate reinvestigation of each tradeline listed above. If you can not fully substantiate the accuracy of all data reportedincluding payment history, balances, and account statuseach disputed tradeline must be deleted from my credit file in its entirety. 

Please provide me with written confirmation of your investigation results, as well as copies of any documents you relied upon in verifying these accounts, pursuant to my rights under the FCRA. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
lots of account that are out dated with wrong information. accounts need to 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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
lots of account that are out dated with wrong information. accounts need to 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 non-monetary relief
Consumer complaint received 2025-08-11 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: KY

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX  XXXX  XXXX XXXX U.S. Bankruptcy Court XX/XX/XXXX XXXX XXXX XXXX XXXX Federal XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

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 — Reporting company used your report improperly
Company: LCI Acquisition Inc.
State: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/year>XXXX  at XXXXXXXX XXXX, i purchased {$680.00} worth of the cryptocurrency, XXXX, on paypal so that I could transfer it to my XXXX  account. I received the crypto on my XXXX  and sold it so I would have that amount in cash on my XXXX. I then proceeded to attempt to send it to the man who has been taking care of my daughter and her sister to help with life expenses and also for the kids to be able to get new clothes and shoes for school. XXXX  said the transaction couldn't be completed and to try again later. I waited and tried later as they suggested multiple times. It then froze my account due to suspicious activities. I contacted customer service and they couldn't give me any information as to why or solve the issue for me. They said I would get an email from their security team. I got the email and it stated I had to submit my ID as proof of identity. I submitted that proof. Finally my account was unfroze and I attempted to transfer the money and was told it couldn't be completed. I attempted to buy the crypto again to transfer back to my PayPal, it said couldn't complete transaction. I then attempted to link bank accounts and debit cards I once had linked before but it would not allow me. I was then locked out of my account again. Today my account was once again unfroze yet still I am unable to do anything in order to get the money sent to my children. This has caused my children, the people they live with and my kids mother to think I am lying and that I no longer have the money. They, my kids, have made comments about never speaking to me again and have so far started completely ignoring me. Not only is XXXX  basically stealing my money they have destroyed my relationship I worked very hard to get back with my kids, in less then a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My personal information connected to XXXX date Breach and my name has been used to get credit card without my 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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My personal information connected to XXXX date Breach and my name has been used to get credit card without my 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