vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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 acknowledge receipt of your recent packet containing a copy of my loan contract and a summary of vehicle sale proceeds. However, your response does not include the complete post-sale accounting required by XXXX. XXXX, including itemized sale expenses, date and location of sale, and the calculation used to determine the alleged deficiency balance. 

Without that information, you have not verified the accuracy of the {$24000.00} balance reported to credit bureaus. Please provide the required accounting or request that all credit bureaus delete or update this tradeline to show a {$0.00} balance per FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ). 

Under both Georgias UCC Article XXXX ( XXXX XXXX ) and the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ( A ) ), a lender that repossesses and sells a vehicle must provide, upon request : The date and location of the sale, The gross sale price, Itemized deductions ( storage, towing, auction, attorneys fees, etc. ), The net proceeds applied to your balance, and How the deficiency balance was calculated. 

You gave me a one-line sale price without an accounting sheet, therefore you have not properly validated the deficiency debt.

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 2025-10-31 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: PA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-31 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-10-31 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: CA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an account that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian and TransUnion credit bureaus correct this error promptly. It is imperative that these account be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the account that require correction. 
XXXX XXXX XXXX Balance : {$290.00} Late 30 days XX/XX/XXXX, XX/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 non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ

Complaint narrative:
Insufficient debt validation and continued contact by Law Offices of Hayt, Hayt & Landau regarding alleged XXXX  XXXX account. I respectfully disagree with the response submitted by the Law Offices of Hayt , Hayt & Landau , LLC ( XXXX ) regarding the alleged XXXX  XXXX account. Their reply does not meet the legal standards for proper debt validation required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the New Jersey Consumer Fraud Act ( N.J.S.A. 56:8-1 et seq. ).

The documents I received on XX/XX/XXXX, included only a few billing statements starting in XX/XX/XXXX and a generic cardholder agreement. These materials do not prove that I am personally liable for the alleged balance of {$3600.00}, do not show how the amount was calculated, and do not include a signed contract or full account history. There is also no sworn statement from XXXX XXXX verifying that it currently owns the account or that XXXX is authorized to collect in New Jersey.

Under New Jersey law, a creditor or its counsel must maintain accurate business records and produce authenticated documentation when pursuing or attempting to collect a debt. Generic statements and unsigned agreements do not meet this standard of proof. I therefore continue to dispute both the validity and amount of the alleged debt. 
XXXX also claims it has honored my cease-and-desist request, but I have continued to receive communications from the firm, which may violate 15 U.S.C. 1692c ( c ). I request that the CFPB review this conduct for potential noncompliance.

I am again requesting complete validation, including : ( 1 ) a signed credit agreement or application ; ( 2 ) the full account history from opening to charge-off ; ( 3 ) an itemized breakdown of fees and interest; and ( 4 ) a sworn affidavit from a XXXX XXXX records custodian verifying ownership and accuracy. Until such documentation is provided, I dispute the debt in full and request that all collection and credit reporting activity be suspended. 
Thank you for reviewing this matter to ensure that all parties comply with both federal and New Jersey consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I am sending this complaint regarding several accounts that appear inaccurately on my credit report. After carefully reviewing my file, I found that some of my closed accounts are still being reported as late or newly late, even though they reflect a {$0.00} balance and no current obligation. These inaccuracies negatively affect my credit standing and do not represent my actual payment history. The accounts in question are as follows : XXXX ( Acct. XXXX ) XXXX : {$0.00} ; XXXX ( Acct. XXXX ) XXXX : {$0.00} ; and XXXX ( Acct. XXXX ) Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding the incorrect application of reward points to a qualifying travel expense on my U.S. Bank Credit Card ( Account # XXXX ). 
Transaction Details : On XX/XX/year>, I charged {$890.00} for a XXXX XXXX XXXX travel expense. 
Card Agreement Terms : My card agreement specifies that qualifying travel expenses earn XXXX points for every {$1.00} spent ( XXXX multiplier ). 
Incorrect Credit : My account was incorrectly credited with only the base rate of XXXX point for every {$1.00} spent. 
I initially contacted U.S. Bank customer service and was assured the issue would be reported for correction. However, I subsequently received a letter, dated XX/XX/year>, from the Cardmember Service Department. This letter states that U.S. Bank categorizes Uniworld as a travel agent, not a cruise company, and therefore refuses to apply the correct XXXX points multiplier. 
This classification is arbitrary and unacceptable. XXXX XXXX XXXX is, unequivocally, a cruise company and provider of river cruise services, not merely a third-party booking agent. The purchase was for the direct service of a cruise, and should qualify under the terms for " travel expenses. '' This refusal to credit the appropriate points is a clear breach of the card 's reward terms and represents an unjust reduction of the advertised benefit. My subsequent appeal to the U.S. Bank headquarters also received an unfavorable reply on XX/XX/year>.

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 2025-10-31 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: FL

Complaint narrative:
XX/XX/year> TO WHOM IT MAY CONCERN, I recently monitor my consumer credit report and i could not help but notice all the inaccuracies on my credit file. In accordance with the fair credit reporting act this creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy, 15 U.S.C 1681 section 2 also states a CONSUMER reporting agency can not furnish an ACCOUNT without my written instructions. Under 15 U.S.C 1666 ( b ) a creditor may not treat a payment on a credit card ACCOUNT under an open an CONSUMER credit plan as late for any purpose. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT 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... 

Otherwise, anyone paying for your reporting services could fax, mail or email in a Fraudulent Account... 

I DEMAND to see verifiable proof ( i.e .. AN ORGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) that you have on file for the ACCOUNTS listed below... 

Your failure to positively verify these ACCOUNTS has hurt my ability to obtain credit. Under the FCRA, unverifiable ACCOUNTS must be DELETED and if you are unable to provide me a copy of verifiable proof, AN ORGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT, you must DELETE the ACCOUNTS listed BELOW... 


I DEMAND that the following ACCOUNTS BELOW be updated to paid/never late, or paid as agreed or DELETED COMPLETLEY off my CONSUMER credit file/report IMMEDIATLY... 

DELETE - ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$780.00}, ACCOUNT ADDRESS : XXXX XXXX XXXX XXXX MN XXXX, ACCOUNT PHONE NUMBER : ( XXXX ) XXXX DELETE-ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER XXXX XXXX, BALANCE : {$440.00}, ACCOUNT ADDRESS : XXXX XXXX XXXX XXXX, MA XXXX XXXX ACCOUNT PHONE NUMBER : ( XXXX ) XXXX DELETE-ACCOUNT NAME : XXXX XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE XXXX {$6900.00}, ACCOUNT ADDRESS : P.O. XXXX XXXX XXXX VA, XXXX, ACCOUNT PHONE NUMBER : ( XXXX ) XXXX DELETE-ACCOUNT NAME : XXXX XXXX XXXX Charge Off XXXX ACCOUNT NUMBER : XXXX, BALANCE : {$16000.00}, ACCOUNT ADDRESS : P.O. XXXX XXXX XXXX OH, XXXX DELETE-ACCOUNT NAME : XXXX XXXX, BALANCE : $ XXXX DELETE-ALL-ACCOUNTS WITH BALANCES-NAME : Dept. of XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$3500.00}, XXXX  BALANCE : {$630.00}, XXXX  BALANCE : {$560.00}, XXXX XXXX : {$3300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
XX/XX/year> TO WHOM IT MAY CONCERN, I recently monitor my consumer credit report and i could not help but notice all the inaccuracies on my credit file. In accordance with the fair credit reporting act this creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy, 15 U.S.C 1681 section 2 also states a CONSUMER reporting agency can not furnish an ACCOUNT without my written instructions. Under 15 U.S.C 1666 ( b ) a creditor may not treat a payment on a credit card ACCOUNT under an open an CONSUMER credit plan as late for any purpose. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT 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... 

Otherwise, anyone paying for your reporting services could fax, mail or email in a Fraudulent Account... 

I DEMAND to see verifiable proof ( i.e .. AN ORGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) that you have on file for the ACCOUNTS listed below... 

Your failure to positively verify these ACCOUNTS has hurt my ability to obtain credit. Under the FCRA, unverifiable ACCOUNTS must be DELETED and if you are unable to provide me a copy of verifiable proof, AN ORGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT, you must DELETE the ACCOUNTS listed BELOW... 


I DEMAND that the following ACCOUNTS BELOW be updated to paid/never late, or paid as agreed or DELETED COMPLETLEY off my CONSUMER credit file/report IMMEDIATLY... 

DELETE - ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$780.00}, ACCOUNT ADDRESS : XXXX XXXX XXXX XXXX MN XXXX, ACCOUNT PHONE NUMBER : ( XXXX ) XXXX DELETE-ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER XXXX XXXX, BALANCE : {$440.00}, ACCOUNT ADDRESS : XXXX XXXX XXXX XXXX, MA XXXX XXXX ACCOUNT PHONE NUMBER : ( XXXX ) XXXX DELETE-ACCOUNT NAME : XXXX XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE XXXX {$6900.00}, ACCOUNT ADDRESS : P.O. XXXX XXXX XXXX VA, XXXX, ACCOUNT PHONE NUMBER : ( XXXX ) XXXX DELETE-ACCOUNT NAME : XXXX XXXX XXXX Charge Off XXXX ACCOUNT NUMBER : XXXX, BALANCE : {$16000.00}, ACCOUNT ADDRESS : P.O. XXXX XXXX XXXX OH, XXXX DELETE-ACCOUNT NAME : XXXX XXXX, BALANCE : $ XXXX DELETE-ALL-ACCOUNTS WITH BALANCES-NAME : Dept. of XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$3500.00}, XXXX  BALANCE : {$630.00}, XXXX  BALANCE : {$560.00}, XXXX XXXX : {$3300.00}.

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 2025-10-31 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: CA

Complaint narrative:
I have four credit inquiries that are fraudulent. They are going to be listed below. I will include a picture from. 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 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: ID

Complaint narrative:
I XXXX XXXX was scammed by someone that claimed they were renting a house and I sent them multiple payments and when I showed up the house was already rented out and the number that I was contacting through with said person had blocked me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for reporting an unauthorized and inaccurate voluntarily surrendered account that does not belong to me.

The account in question is XXXX XXXX XXXX Account # XXXX, reported as a charge-off/voluntarily surrendered vehicle loan from XXXX to XX/XX/year>. 
This account is not mine. I have no knowledge of this account, never opened or financed any loan with XXXX XXXX XXXX, and it clearly belongs to someone else with the same or similar name.

This inaccurate reporting has caused significant harm to my credit and reputation. The inconsistent and unverifiable nature of this tradeline shows a complete failure to ensure accuracy under the Fair Credit Reporting Act ( FCRA ).

Violations include : 15 U.S.C. 1681e ( b ) : Credit bureaus must follow reasonable procedures to assure maximum possible accuracy. Reporting an account belonging to another individual demonstrates a direct violation of this provision.

15 U.S.C. 1681i ( a ) : Once a consumer disputes an account, the bureaus must conduct a reasonable reinvestigation. Simply accepting a furnishers data without verifying identity is not a reasonable reinvestigation.

15 U.S.C. 1681s-2 ( b ) : XXXX XXXX XXXX failed to correct or delete inaccurate information across all bureaus after notice of dispute, violating their duties as a furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
IN PURSUANT OF 15 usc 1681s-2 AND15 U.S. Code 1681c-2 THE XXXX XXXX BALANCE OF {$1600.00} NEEDS TO BE DELETED FROM ALL CREDIT REPORTING AGENCIES. MY ACCOUNT WAS OPENED IN XXXX AND MY LAST PAYMENTS WERE REPORTED IN XXXX IN XXXX. BUT UNFORTUNATELY, I AM A VICTIM OF THE XXXXXXXX XXXX XXXX DATA BREACH. ALTHOUGH, THE ATTACHED DOCUMENT SHOWS THAT MY INITAL DISPUTES HELPED TO RESOLVE THE MATTER, THIS IS STILL NEGATIVELY IMPACTING MY CREDIT AND ITS BEEN WELL OVER 8 YEARS, WHICH MEANS THAT ALL OF THE CREDIT REPORTING BUREAUS ARE WELL IN THEIR RIGHT TO DELETE THIS OFFICIALLY FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
This correspondence represents my seventh complaint request for the permanent deletion of certain accounts that continue to appear on my credit file without proper verification or lawful basis. Despite numerous prior disputes and the time afforded for reinvestigation, these accounts remain reported, which now constitutes a violation of my rights under federal law. 
The disputed items are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$560.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$520.00}. Both of these accounts are being listed as Charged Off, yet neither your bureau nor the furnishers of this information have produced any verifiable documentation, signed contracts, or lawful validation proving their accuracy or my liability for them. 
Over several months, I have taken responsible steps to ensure the integrity of my credit file. I have submitted formal disputes, responded in writing, and waited for results that comply with the Fair Credit Reporting Act ( FCRA ). However, each time, the responses I received have been incomplete, generic, or automatically generated, failing to meet the legal standard of a full reinvestigation as required under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ).

The continued appearance of these unverifiable accounts demonstrates clear noncompliance with the FCRA. Reporting information without documented evidence violates FCRA 623 ( a ) ( 1 ) ( A ), which forbids furnishers from submitting data they knowor should knowto be inaccurate. Furthermore, under FCRA 605B / 15 U.S.C. 1681c-2, I have the right to request the removal or blocking of any data that can not be verified or that is a result of error. 
This situation has caused measurable harm to my financial standing and personal reputation. Each day these unverified accounts remain reported, they affect my creditworthiness, cost of borrowing, and overall credit integrity. I have been more than patient through multiple rounds of disputes, yet the inaction continues to reflect disregard for consumer protection standards mandated by law.

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 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX : Transferred {$500.00} from CashApp to a checking account at XXXX XXXX. The account had been closed for about a year. 
Deposit Amount : {$500.00} Date of Deposit : XX/XX/XXXX at XXXX am XXXX XXXX  Name : XXXX Bank XXXX XXXX digits of account # : XXXX Trace XXXX XX/XX/XXXX : XXXX  returned the funds to CashApp because there was no account to make the deposit Trace # XXXX Cash App says they did not receive the funds. I have not received a {$500.00} deposit into Cash App. 

I received this email from Cash App on XX/XX/XXXX : This is XXXX with Cash App Disputes. Thank you for your patience while waiting to hear back from us regarding your missing deposit ( XXXX ). 

As a courtesy, we attempted to recover your missing deposit with a letter of indemnity. This was our final attempt to try and pull the funds back into your Cash App. Unfortunately, our attempts were unsuccessful. If the bank sends the funds back to Cash App, they will automatically be credited to your Cash App balance. We will reach out if there are any further updates. 

Someone has my {$500.00}.

Company response to consumer: Closed with explanation