vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MN

Complaint narrative:
I am filing this complaint against the debt collector currently furnishing * * unvalidated and likely unlawful collection accounts * * on my * * XXXX  credit report * *, causing substantial and unjust harm to my financial reputation. I demand CFPB investigation and removal based on * * violations of federal law * *, including the * * Fair Credit Reporting Act ( FCRA ) * * and * * Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX XXXX XXXX XXXX Disputed Collection Accounts * * : XXXX. * * I.C. System, XXXX * * \ {$220.00} * Original Creditor : XXXX XXXX * * Date Opened : XX/XX/year> * -- - # # # * * Applicable Laws Violated * * : * * * 15 U.S. Code 1692g ( b ) ( FDCPA ) * * A consumer has the right to request * * full debt validation * * and the collector must cease collection efforts until verification is provided. 
* * * 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ( FCRA ) * * Furnishing inaccurate or unverifiable information to a credit bureau is prohibited. 
* * * 15 U.S. Code 1681i ( a ) ( 5 ) * * If disputed information can not be verified, it * * must be deleted immediately * * from the consumers report. 
* * * 15 U.S. Code 1692e * * False, deceptive, or misleading representations in connection with debt collection are illegal. 

-- - # # # * * Demand for Proof * * : To date, * * no collector listed above has provided the following * *, which is legally required to validate a debt : * The * * original signed contract * * bearing my signature; * A * * complete accounting * * of the debt; * * * Proof of legal ownership * * or assignment of the debt; * A copy of the * * collectors license * * to operate in Minnesota. 

Until these debts are fully validated, they can not legally remain on my credit report or be collected. Failure to provide this documentation constitutes 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 explanation
Consumer complaint received 2025-06-29 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: Experian Information Solutions Inc.
State: NY

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  : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Account # XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( 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. 

XXXX has written this debt off as a charge off meaning they reported it to Internal Revenue Services as a charge-off but has not supplied me with a 1099C form meaning that is consider fraud. 
XXXX can not take a tax break and not provide me the necessary documents which is a 1099-C form.

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 2025-06-29 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: NY

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  : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Account # XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( 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. 

XXXX has written this debt off as a charge off meaning they reported it to Internal Revenue Services as a charge-off but has not supplied me with a 1099C form meaning that is consider fraud. 
XXXX can not take a tax break and not provide me the necessary documents which is a 1099-C form.

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 2025-06-29 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$170.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Supreme Lending
State: FL

Complaint narrative:
Said they didn't have to so I was wrong in assuming. That if it was fha mortage that it would be inspected as such the FHA LOANthat I got the repairs that were to be made was added into my loan an the repairs that were to be done couldn't be done till the loan was closed so I had no knowledge of the damage that the home was in till the plumbers came to replace the pipes an the hot water heater that's when I was told I had a serious problem that the entire foundation was gone I had XXXX contractors assess the problem an was told had the place been properly inspected I would not have approved for the loan so. Far the damage to the home is more than XXXX XXXX dollarsj.the damage is so bad that they had to know that there was a big problem an in some places they tried to cover it up I've tried to send pictures but don't have enough knowledge ers to know how to sendgwith computer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have received three IRS forms of XXXX from creditors ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  ) showing a cancellation of debt and Ive submitted these evidences to the credit bureaus ( transunion, Experian and equifax ) for my credit file to be updated. And due to lack of proper investigation, these accounts remain reporting inaccurately. I submit this complaint under the penalties of purgery and wish that a proper investigation be done and accounts removed to reflect the satisfaction of the evidence provided. This is harming my character and causing me extreme emotional distress and suffering. I can not get approved for credit and loans due to these inaccuracy. I will also file a attorney general complaint, office of comptroller of currency, and all other agencys necessary, before obtaining legal counsel for a civil suit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: DE

Complaint narrative:
Authorization of Third-Party Access & Formal Dispute of Inaccurate Credit Report Information Under FCRA To Whom It May Concern, I am writing to authorize XXXX a verified third-party consumer reporting tool I use to access my Equifax credit report in order to aid in the review and resolution of the following inaccuracies. 

Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681g, 1681e ( b ), and 1681i ), I am requesting that you update and correct the following information on my credit file and confirm the results of your investigation in writing. 

PERSONAL INFORMATION TO BE CORRECTED : Current Address : XXXX XXXX XXXX XXXX DE XXXX Remove Previous Address : XXXX XXXX XXXX XXXX XXXX  DE XXXX HARD INQUIRIES TO BE REMOVED : These inquiries were either unauthorized, unverified, or do not reflect my initiated credit activity. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNTS TO BE CORRECTED OR DELETED : These accounts contain inconsistent, incomplete, or inaccurate data, violating your obligation under FCRA XXXX ( b ) to ensure maximum possible accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate date of last activity, opened/closed dates, creditor remarks and type. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conflicting dates and creditor remarks compared to other bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate date of last verified, opened, and last activity. 

XXXX XXXX XXXX XXXX This account does not belong to me. Not mine DELETE. 

Each of these accounts differs from the information reflected on XXXX  and Experian, which raises serious questions about your internal data verification and updating procedures. 

HARM CAUSED : Because of these inaccuracies and your failure to maintain a corrected and fair file, I have suffered the following : Denial of a loan and/or credit card Denial of housing opportunities Higher interest rates Emotional stress and frustration Delayed business and financial progress Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am submitting a new complaint related to my original CFPB complaint ( ID : XXXX ) against Portfolio Recovery Associates XXXX 

I initially requested debt validation by mail in XX/XX/year>, and Portfolio Recovery has not provided any verification or proof of the alleged debt to date. Despite this, they continue to report the account across credit bureaus. 

On XX/XX/year>, they updated the status of the account on XXXX flagging it again as a new collection account, which has caused further damage to my credit report. This action violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g ( debt validation requirement ) and 15 U.S.C. 1681s-2 ( duty to report accurate information ).

I am formally requesting the removal of this account from XXXX  and all other credit bureaus for failure to validate the debt. Continued reporting without providing validation is unlawful, and I expect immediate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, at my XXXX  app, a person named XXXX XXXX provided a photo of a certain man attached to a promise to me of {$20000.00} and then claimed to me to have delivered {$20000.00} to my Cash App ( XXXX XXXX XXXX ) app account under the name, XXXX XXXX XXXX and also delivered to my inbox an email message from XXXX stating the following : XXXX XXXX XXXX Transaction Hold XXXX messages Cashapp Customer service XXXX To : XXXX Sun, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX! 
Payment to XXXX XXXXXXXX {$20000.00} Held on XX/XX/XXXX We are very sorry this payment is not capable due to the activation code and its in need of additional assistance fee of {$100.00} to authorize up the activation code and it will be successful reflected on your Cashapp balance. We noticed a transaction was made to this cash app account and it is above the limit rate for $ XXXX wont receive this money until clear the required charges to receive your money and immediately you send the required charges fee to the available cash agent your money will be available on your cash app account. You must enable bitcoin on- chain transactions before you can be able to make fee payment. 
Charges fee : {$100.00} Payment Method : Apple Card Continue. Then, I clicked the Continue link in the email message, and the link opened my Cash App app accounts XXXX send-and-receive tab, and then, also, upon the persons request of me, I replied to such email message asking for the promised funds. The person then told me to buy a {$100.00} XXXX XXXX for me to receive the funds. Then, at my Cash App app, I found the persons name, XXXX XXXX, and requested {$20000.00} from such person and notified XXXX XXXX at my XXXX  app account of the request. The person told me that the funds had already been removed from the persons bank account and that it was too late to cancel the transaction. Then, I told my Cash App app support assistant, which told me that the person was fraudulent. The person did not send me any money, and I did not send the person any money, either. I wanted to forward the email message to Cash App, but Cash App did not have any email addresses to which I could deliver any email messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am reporting inaccurate credit reporting by Pentagon Federal Credit Union XXXX XXXX XXXX ). 
This account was included in my Chapter 7 bankruptcy, which was filed and discharged prior to XX/XX/year>. Despite this, TransUnion has reported the account as delinquent as of XX/XX/year>. 

Accounts that are discharged in bankruptcy should reflect a {$0.00} balance and be marked as Included in Bankruptcy. Reporting a delinquency after discharge violates the Fair Credit Reporting Act ( FCRA ) and bankruptcy laws. 

I have disputed this with TransUnion and am requesting that the CFPB intervene to ensure this reporting is corrected or removed entirely.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally address a serious issue I have encountered regarding my mortgage account. Due to a challenging divorce and high legal bills, I requested assistance to defer XXXX months payment to the end of my mortgage term. After a lengthy interview process, I was approved for this assistance. 

During our discussions, it was made clear that my husband, who signed the loan stating he was not part of it, would not need to be involved further. However, upon attempting to make my mortgage payment the following month, I discovered that my request was declined due to the absence of his signature on paperwork. This requirement was never communicated to me, and considering he was not on the loan, it did not cross my mind that this would be an issue. 

As a result, I was faced with the difficult decision of either paying two months of rent or starting the process over again. I chose to start over, leading to a frustrating ordeal of more than seven attempts to receive the correct paperwork at both of our addresses, all of which required notarization. This process was further complicated by an error on the notarys part, requiring re-execution multiple times. 

Given the high-conflict nature of my divorce, it was dangerous for me to visit my husbands home, yet I had to do so with the notary present to finalize the necessary signatures. The repeated errors and poor handling of this process by your team have resulted in late payments that now adversely affect my ability to purchase a home as a single mother of four. 

Despite my consistent communication with your office, I have repeatedly been told that I should have simply paid in full. This response fails to take into account the significant issues created by your team. 

I am not seeking a favor or financial assistance ; I am requesting that your team rectify the errors that were made. I hope for a prompt review of my account history, where you can see my numerous attempts to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: PA

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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