vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: NJ

Complaint narrative:
This account is being reported inaccurately and inconsistently across all three bureaus in direct violation of FCRA 1681s-2 ( b ). The original creditor and agency names do not match across reports, the Date Assigned is contradictory to the reporting history, and the statuses are inconsistent ( Unpaid vs Collection vs Assigned to attorney ). These contradictions prove the data is unreliable and unverifiable. I demand permanent deletion of this account from all credit bureaus within 7 days or I will pursue legal action for willful noncompliance.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-23 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: AZ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I sent a debt validation request on XX/XX/year>, to XXXX XXXXXXXX  / XXXX XXXX Before I received validation, I continued to get repeated calls, texts, and voicemails demanding payment. On one call, a representative told me that if I did not verify my information and pay, I would have a warrant for my arrest in XXXX XXXX, Texas. 

This is a civil debt and threatening arrest is a violation of the Fair Debt Collection Practices Act ( FDCPA ). I am requesting the CFPB to investigate these practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D2 Management LLC
State: MT

Complaint narrative:
XX/XX/year> continued calls trying to collect a debt I have no idea what is nor is it relevant to myself I have received numerous harassing calls If this is truly something owed they need to send it in writing for proof of debt owed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I am formally disputing certain collection and charge-off accounts on my credit report as inaccurate, outdated, or unverifiable. Despite submitting disputes and supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I demand a full reinvestigation of these accounts, and any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: CO

Complaint narrative:
Background In early XXXX, I was deceived by individuals operating under the fraudulent platform " Impression '', who offered a fake employment opportunity. Under their direction, I transferred a total of {$5800.00} USD via Remitly, funded directly from my XXXXXXXX XXXX  account, to XXXX debit card accounts under the fraudsters control. 
Upon discovering the fraud, I promptly contacted both Remitly and XXXX XXXX  Remitly informed me that a refund may be possible if XXXXXXXX XXXX initiates a wire recall request for the transactions. However, despite repeated requests, XXXXXXXX XXXX has failed to take action or assist in initiating the necessary wire recall. 
Dates : XX/XX/XXXX ( {$1800.00} ), XX/XX/XXXX, ( {$2000.00} ) XX/XX/XXXX ( {$2000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: OH

Complaint narrative:
I am formally disputing certain collection and charge-off accounts on my credit report as inaccurate, outdated, or unverifiable. Despite submitting disputes and supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I demand a full reinvestigation of these accounts, and any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-09-23 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: CO

Complaint narrative:
I have provided a police report and I have provided the report I filled with the FTC. Experian imparticular is sending me completley fradulent information in which they request information that I have clearly already sent them. This is s business tactic that is dishonest and a violation of law. I have included the pasted communications below. Experian is not a law enforcement company and it is not their role to investigate crime or to pressure me regading investigation. I submitted police reports and reports to that were submitted to the FTC. This company is repeatedly sending fraudulent information and continually sending false requests for information they have already been given. These companies are negatively impacting my ability to obtain credit.

" The identity theft report should include as many of the following elements as possible : When the loss or theft of personal information occurred or when the fraud ( s ) occurred How you discovered or learned of the theft Any known information about the perpetrator The names of creditors and account numbers involved in the theft Name and/or badge number of the law enforcement personnel who processed the report and The filing date and case number Also enclose the below information with your request : One copy of a government issued identification card, such as a drivers license, state ID card, etc.

One copy of a utility bill, bank or insurance statement, etc. 
Your full name including middle initial ( and generation - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past two years ''

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 2025-09-23 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate late payments reported on my credit file by XXXX. These payments were made on time, and their misreporting violates the Fair Credit Reporting Act ( FCRA ), which requires maximum possible accuracy in 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 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Procedural Request Closed Accounts Reporting To Whom It May Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). My recent credit report, generated on XX/XX/year>, lists several closed accounts under my name, including but not limited to : XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX  Account ending in XXXX XXXX XXXX XXXX Account ending in XXXX XXXX  Account ending in XXXX XXXX  XXXX Multiple closed accounts ending in XXXXXXXX XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX Several closed accounts ending in XXXX XXXX XXXX XXXX Multiple closed accounts ending in XXXXXXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX Accounts ending in XXXX, XXXX XXXX XXXX XXXX XXXX  Account ending in XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX Multiple closed accounts ending in XXXX, XXXXXXXX XXXX XXXX XXXX  Account ending in XXXXXXXX XXXX  Accounts ending in XXXX XXXX XXXX  Account ending in XXXXXXXX XXXX XXXX  Account ending in XXXXXXXX XXXX XXXX Multiple closed accounts ending in XXXX, XXXXXXXX XXXX XXXX Account ending in XXXXXXXX XXXX Account ending in XXXX Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ), I formally request that you provide me with : The method of verification used to confirm the accuracy of each closed account listed above.

The name, address, and telephone number of each furnisher of information that was contacted during your reinvestigation process. 

Copies of any documents, records, or correspondence that you relied upon in continuing to report these accounts. 

If you can not or will not provide the requested verification records, these closed accounts must be deleted immediately as unverifiable under 15 U.S.C. 1681i ( a ) ( 5 ).

Please treat this letter as a formal request regarding all closed accounts appearing in my file as of XX/XX/year>. 

I expect your full response within the statutory 30-day period.

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 2025-09-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Procedural Request Closed Accounts Reporting To Whom It May Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). My recent credit report, generated on XX/XX/year>, lists several closed accounts under my name, including but not limited to : XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX  Account ending in XXXX XXXX XXXX XXXX Account ending in XXXX XXXX  Account ending in XXXX XXXX  XXXX Multiple closed accounts ending in XXXXXXXX XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX Several closed accounts ending in XXXX XXXX XXXX XXXX Multiple closed accounts ending in XXXXXXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX Accounts ending in XXXX, XXXX XXXX XXXX XXXX XXXX  Account ending in XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX Multiple closed accounts ending in XXXX, XXXXXXXX XXXX XXXX XXXX  Account ending in XXXXXXXX XXXX  Accounts ending in XXXX XXXX XXXX  Account ending in XXXXXXXX XXXX XXXX  Account ending in XXXXXXXX XXXX XXXX Multiple closed accounts ending in XXXX, XXXXXXXX XXXX XXXX Account ending in XXXXXXXX XXXX Account ending in XXXX Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ), I formally request that you provide me with : The method of verification used to confirm the accuracy of each closed account listed above.

The name, address, and telephone number of each furnisher of information that was contacted during your reinvestigation process. 

Copies of any documents, records, or correspondence that you relied upon in continuing to report these accounts. 

If you can not or will not provide the requested verification records, these closed accounts must be deleted immediately as unverifiable under 15 U.S.C. 1681i ( a ) ( 5 ).

Please treat this letter as a formal request regarding all closed accounts appearing in my file as of XX/XX/year>. 

I expect your full response within the statutory 30-day period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: ID

Complaint narrative:
Complaint Statement for CFPB : I am filing a complaint regarding an unauthorized transaction and account takeover on my Cash App account. On XX/XX/2024, {$980.00} was withdrawn through XXXX XXXX  CODE transaction that I did not authorize. Shortly afterward, my Cash App account was hacked, my login credentials were changed, and I lost all access. When I attempted to log back in, the app prompted me to create a completely new account, showing that the hacker had fully taken over the original one. 

I filed a dispute with Cash App, but on XX/XX/2024, they denied my claim, stating that the transaction was authorized. This is incorrect I never authorized the payment, nor did I share my login credentials with anyone. Cash App has refused to restore my account access or provide the device/IP logs and evidence they used to deny my case. 

I submitted a formal appeal to Cash App, outlining that this was a case of account takeover and requesting documentation, but they immediately sent another denial response without addressing the evidence I requested. I am now left without access to my account or funds. 

I am requesting the CFPBs assistance to require Cash App to : XXXX. Treat this as an account takeover fraud case, not a standard dispute. 
XXXX. Provide all logs and documentation they relied on to deny my claim. 
XXXX. Reimburse the {$980.00} in unauthorized charges. 
XXXX. Assist me in regaining access to my account. 

This situation has caused significant financial hardship, and I need help to hold Cash App accountable and obtain resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am filing this complaint because a debt collection agency, National Credit Systems, is reporting a debt to the credit bureaus that I do not recognize and have disputed. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested a proper validation of the alleged debt in a timely manner.

I sent a written Debt Validation Letter to the collector on XX/XX/year>, within the XXXX window after receiving their initial communication. To date, they have failed to provide sufficient documentation proving the validity and ownership of the debt. Despite this, the collection account continues to appear on my credit reports, which constitutes a violation of both the FDCPA ( 15 USC 1692g ) and the FCRA ( Fair Credit Reporting Act ).

Their failure to validate the debt while continuing to report it to the credit bureaus is damaging my creditworthiness and is unlawful. I am requesting that the CFPB investigate this matter and require the debt collector to either : Provide full and proper validation of the alleged debt, or Immediately remove the account from all credit reports if validation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its 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 non-monetary relief
Consumer complaint received 2025-09-23 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: 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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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