vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
request that you immediately remove any and all inaccurate, unmailable, or unauthorized addresses listed on my credit report that do not reflect my current or prior place of residence. These addresses are not associated with me, and I am concerned that their presence may impact the accuracy of my consumer report.

In accordance with the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. The inclusion of incorrect or unmailable addresses violates this standard and may expose me to potential risk or misrepresentation.

I should ONLY have ONE mailing address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL 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 2025-07-03 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : 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 2025-07-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
I sent a letter out ( XX/XX/XXXX ) I am writing to formally dispute a collection account that appears on my credit report. The account in question is as follows : XXXX Agency Name : Southern Management Sy Account Number : XXXX Date Opened : XX/XX/XXXX Amount : XXXX Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute inaccurate or unverifiable information ( 15 U.S.C. 1681i ). This item does not belong to me / is inaccurate/ is unverifiable ( choose one or explain briefly ). I request that this account be immediately investigated and removed if the furnisher of the information can not fully verify its accuracy and legitimacy.

In accordance with : FCRA Section 609 ( 15 U.S.C. 1681g ) I request a full verification of this debt, including the original signed contract or agreement and a full itemized statement proving the validity of this debt.

FCRA Section 611 ( 15 U.S.C. 1681i ) This mandates that inaccurate, incomplete, or unverifiable information must be corrected or deleted within 30 days.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) Data furnishers must not report inaccurate information and are required to correct and update any false data.

FDCPA Section 809 ( 15 U.S.C. 1692g ) If this debt is being collected by a third party, I request proper debt validation including the name of the original creditor and proof that you are legally entitled to collect this debt.

If the item can not be verified, I respectfully request its * * permanent deletion * * from my credit file with immediate effect. Please inform me in writing of the outcome of your investigation within 30 days, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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 didn't not open this account. I've submitted several FTC reports for each unauthorized account. They still have not deleted all information I have contacted all bureaus, and they have not removed. I have been sending disputes and documentation for over 9 months now. There are new inquiries as recent as XX/XX/year> that has been on my report. I have called each individual business, and they have told me to refer back to TransUnion when I did TransUnion told me to call the companies i have been getting a back and forth for months

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 2025-07-03 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: TX

Complaint narrative:
I didn't not open this account. I've submitted several FTC reports for each unauthorized account. They still have not deleted all information I have contacted all bureaus, and they have not removed. I have been sending disputes and documentation for over 9 months now. There are new inquiries as recent as XX/XX/year> that has been on my report. I have called each individual business, and they have told me to refer back to TransUnion when I did TransUnion told me to call the companies i have been getting a back and forth for months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-07-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TN

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a delayed check deposit with Cash App, operated by Block , Inc . 

On Saturday, XXXX XXXXXXXX XXXX central standard time, I deposited a check into my Cash App account. At the time of the deposit, Cash Apps system clearly displayed a message stating that the funds would be available in my account after four ( 4 ) business days, which would be Thursday, XX/XX/XXXX. I have attached a screenshot of this confirmation showing the expected availability timeline. 

However, after initiating the deposit and allowing it to process, I received a message from Cash App Support indicating that the funds would not be available until five ( 5 ) business days or up to seven ( 7 ) total days after the deposit. This revised timeline delays my access to funds beyond what was originally agreed to at the time of deposit.

I raised the issue with Cash App Support and was told that the delay stands, without being provided with a valid justification under their own terms. I have also attached a screenshot of the support conversation confirming their revised timeline. 

According to Cash Apps own Cash Terms, they state : If we do not complete a transaction to or from your Account on time or in the correct amount according to these Cash Terms, we will be liable for your losses or damages. However, there are some exceptions None of the listed exceptions apply to my situation. There were sufficient funds in the check, no ATM was involved, the app was functioning properly, and no extraordinary circumstances ( such as a natural disaster ) interfered with the transaction. 

I am requesting that the CFPB investigate this matter, as it appears that Cash App failed to fulfill their promised transaction timeline after accepting my deposit, which could constitute a deceptive or unfair practice under applicable consumer financial laws. 

Thank you for your time and attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX, Tennessee ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
I paid off this car loan so it would not be included in the XXXX  XXXX proceedings but it was included anyway. XXXX did not report to the 3 credit bureaus that it was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/year> Capital One Auto sent me a communication referencing an account I do not currently have with them, and the filing of tax forms using my data elements. 

XX/XX/year> I asked for documents and information to clarify. Copies of applications, agreements, contract, payment history, etc. 

XX/XX/year> The certified mail tracking shows that Capital One Auto received my request for information. 

It has been 90 days, and Capital One Auto has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I need to dispute the information reported by Exeter Financial regarding account number XXXX. The account shows a XXXX charged-off balance, even though it has been paid. This reporting is misleading and does not accurately reflect the status of the account. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1692 ( c ), I request that this erroneous information be promptly investigated and corrected or removed from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NV

Complaint narrative:
I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : XXXX. XXXX XXXX # XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within XXXX ( XXXX ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.

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 2025-07-03 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: NV

Complaint narrative:
I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : XXXX. XXXX XXXX # XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within XXXX ( XXXX ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.

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 2025-07-03 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: 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 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 2025-07-03 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: CA

Complaint narrative:
Attn : Senator XXXX XXXX I filed a dispute with Equifax regarding collections for XXXX XXXX XXXX XXXX XXXX XXXX. My evidence included demonstrating illegal assignment of debt for early lease cancellation due to inhabitability along with admission from property manager of debt reduction once property is re-let ( which it has been ). I resided at the property for only 15 days and have been fined over $ XXXX. 

Equifax returned a response confirming the full debt in less than a week. It seems impossible that the investigator even looked at my declaration or evidence especially given the property manager 's written admission that the $ XXXX would not be owed once the property was re-let to another tenant. There are several laws broken by the lessor which Equifax has ignored including : landlord can not assign egregious fines, landlord has duty to mitigate costs including re-letting of property, and the most basic issue of habitability which makes the other laws unnecessary to address once there is a clear understanding of the landlord 's refusal to provide a habitable unit. 

Equifax is clearly biased toward big businesses and flagrantly disregards laws and the submissions of individuals seeking a fair review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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 am submitting this complaint regarding XXXX XXXX XXXX XXXX ( XXXX ) reporting my student loan as delinquent for XXXX, XXXX, XXXX, and XX/XX/XXXX, despite the fact that I submitted an Income-Driven Repayment ( XXXX ) application in XX/XX/XXXX. 

That same month, the U.S. Department of Education experienced a serious internal data breach due to unauthorized access by the Department XXXX Government XXXX ( DOGE ). This breach impacted access to and performance of systems like XXXX and XXXX, which are used to process XXXX applications and service loans. 

I believe my application was not properly processed due to these known disruptions. As a result, I was forced to resubmit a second IDR application, which XXXX confirmed they received on XX/XX/XXXX. They brought my account current on XX/XX/XXXX, according to a letter dated XX/XX/XXXX. This confirms that I qualified for repayment assistance and that I took steps to avoid delinquency months earlier. 

Despite this, XXXX reported me as XXXX, XXXX, XXXX, and XXXX days late, severely damaging my credit for a delay that occurred during a known federal system failure. 

Legal Grounds : FCRA ( 15 U.S.C. 1681s-2 ) Credit furnishers must report accurate and complete information. Reporting delinquency while my application was pending during a documented federal breach is misleading and harmful.

Higher Education Act ( 20 U.S.C. 1087e ( m ) ) Borrowers are entitled to administrative forbearance during IDR processing. That protection was not applied to my account.

FERPA ( 20 U.S.C. 1232g ) My education records, including my loan servicing status, were mishandled due to federal system instability.

Privacy Act of 1974 ( 5 U.S.C. 552a ) DOEs internal breach materially impacted the integrity and transmission of my data, leading to a false delinquency designation.

CRI has denied my dispute, and prior CFPB involvement did not resolve the matter because CRI was allowed to self-verify. I am now asking that CFPB escalate this for independent investigation. I am requesting the removal of late payments for XXXX XXXX and a correction to my credit history due to mishandling outside of my control.

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 2025-07-03 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: CA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX XXXX ( XXXX ) reporting my student loan as delinquent for XXXX, XXXX, XXXX, and XX/XX/XXXX, despite the fact that I submitted an Income-Driven Repayment ( XXXX ) application in XX/XX/XXXX. 

That same month, the XXXX Department of Education experienced a serious internal data breach due to unauthorized access by the Department XXXX Government XXXXXXXX XXXX XXXX XXXX. This breach impacted access to and performance of systems like XXXX and XXXX, which are used to process XXXX applications and service loans. 

I believe my application was not properly processed due to these known disruptions. As a result, I was forced to resubmit a second IDR application, which XXXX confirmed they received on XX/XX/XXXX. They brought my account current on XX/XX/XXXX, according to a letter dated XX/XX/XXXX. This confirms that I qualified for repayment assistance and that I took steps to avoid delinquency months earlier. 

Despite this, XXXX reported me as XXXX, XXXX, XXXX, and XXXX days late, severely damaging my credit for a delay that occurred during a known federal system failure. 

Legal Grounds : FCRA ( 15 U.S.C. 1681s-2 ) Credit furnishers must report accurate and complete information. Reporting delinquency while my application was pending during a documented federal breach is misleading and harmful.

Higher Education Act ( 20 U.S.C. 1087e ( m ) ) Borrowers are entitled to administrative forbearance during IDR processing. That protection was not applied to my account.

FERPA ( 20 U.S.C. 1232g ) My education records, including my loan servicing status, were mishandled due to federal system instability.

Privacy Act of 1974 ( 5 U.S.C. 552a ) DOEs internal breach materially impacted the integrity and transmission of my data, leading to a false delinquency designation. 

XXXX has denied my dispute, and prior CFPB involvement did not resolve the matter because XXXX was allowed to self-verify. I am now asking that CFPB escalate this for independent investigation. I am requesting the removal of late payments for XXXX XXXX and a correction to my credit history due to mishandling outside of my control.

Company response to consumer: Closed with non-monetary relief