vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stenger & Stenger, P.C
State: MI

Complaint narrative:
The detailed information requested for this section is included in the attached letter with supporting documents. 

As a victim of identity theft, I requested documentation from the collector to validate the debt in question. This request is my right under the Fair Debt Collection Practices Act. 

The collector has ignored both of my requests despite receiving documentation to support the identity theft. The collector is aggressively seeking a judgement for the debt through the court. 

Immediately following the initial court date, the collector sent me an Affidavit to sign that asks me to provide them with how much I think I owe on the account, the listed users on the account, when the fraudulent transactions occurred, and five samples of how I sign my name for law enforcement.

It seems that the collector is ignoring the fact that identity theft involves the fraudulent acquisition and use of a person 's private identifying information, usually for financial gain. 

The collector was provided with documentation from the local police, FBI and IRS to validate the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Rec 'd letter XXXX XXXXXXXX  from Synchrony Bank addressed to XXXX XXXX at my personal address saying that there was an online enrollment Authentication code of XXXX for a Lowe 's XXXXXXXX XXXXXXXX XXXX XXXXRec 'd 2nd letter from Synchrony Bank saying I was the personal guarantor of the card. Then XXXX rec 'd the credit cards in the name of XXXX XXXX. I contacted Lowe 's, Synchrony Bank and XXXX XXXX, XXXX Ct. Police Dept., ( case # XXXX ( the FTC # XXXX XXXX and filed a case with CT. attorney general 's office. I have frozen all the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and Transunion data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
I disputed an account reported by XXXX XXXX XXXX XXXX with Experian. The account is being reported as Charged Off while simultaneously showing a Past Due Amount of {$14000.00}. 



This is factually inaccurate and violates : FCRA 1681i ( a ) ( 1 ) CRAs duty to conduct a reasonable reinvestigation.


FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report information they know or should know is inaccurate.

Metro 2 XXXX XXXX XXXX XXXX ( XXXX ) Once an account is charged off, the Past Due Amount field must not continue to show a balance, as this misrepresents the legal status of the debt. 



I previously disputed with Experian ( XX/XX/2025 ). They marked the investigation as completed consumer disagrees, but the inaccurate reporting continues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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 am submitting this complaint regarding Equifax 's failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 611, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information and provide verification documentation upon request. 

I previously filed a CFPB complaint ( Case # XXXX ) and again submitted a reinvestigation request on XX/XX/year> ( Case # XXXX ). Despite multiple disputes, Equifax closed these cases by marking several derogatory accounts and hard inquiries as verified without ever providing any documentation to substantiate that claim. 

I specifically requested verification documents including original signed contracts, billing/payment histories, and proof of how the accounts were investigated. Equifax failed to provide any of this, violating their legal duty to verify or remove inaccurate or unverified information. 

As of their most recent response ( XX/XX/year> ), the following accounts and inquiries remain on my credit report without any supporting documentation or explanation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry ) Equifax also falsely categorized the resolution as non-monetary relief despite the significant harm caused, including loan denials and higher interest rates. 

I believe this constitutes a clear failure to conduct a proper investigation and a violation of my rights under the FCRA. If Equifax can not verify these items, they are legally required to delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
I filed for XXXX  XXXX bankruptcy and when it was discharged its now its public information. I wasnt aware that if you type my name on the internet that the first thing that comes up is my bankruptcy. I would want this removed immediately or resolved immediately because this is unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
The Exeter Finance auto loan account is being reported inaccurately. It is listed as both Profit and Loss Write-off and Purchased by another lender, which is contradictory. The payment history, balance, and dates appear incorrect or unverifiable. I requested full verification of ownership, balance, payment history, dates, and loan terms under the FCRA. If the information can not be fully verified, the account should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently looked at my credit report and found multiple Inquiries that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent Inquiries from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentInquiries below. XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I need to credit acceptance to accurately report correct information to all 3 credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
yearly escrow analysis increased the monthly payment starting XX/XX/XXXX. I had payments set up through my bank to automatically pay the mortgage. never late. I did not change the payment amount for XXXX to the new amount in time, so followed up with an additional payment to meet the required monthly payment amount. 

the two payments were incorrectly applied to my mortgage. I called to correct the issue on XX/XX/XXXXXXXX XXXX XXXX and was told that because their mortgage department was closed it would take 2 days to correct, and that I would be charged a late fee. I was also told that I would have to call them back to request the fee be removed. 

the fault is on their end for incorrectly applying my mortgage payment, and I should not be inconvienenced by having to call back to request the late fee be removed because of their fault and limitations of their accounting system. 

the customer service person was also rude, talking over me and arguing with me. 

I made an additional payment on XX/XX/XXXXXXXX  in order to avoid being assessed a late fee. so I have made 2 payments for the month of XX/XX/XXXX. 

I have consistently made mortgage payments on time over the course of this loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 2 fraudulent accounts appearing on my consumer FICO TransUnion Experian and Equifax credit reports which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a revolving account opened at XXXX XXXX XXXX on XXXXXXXX  under account number XXXX and an installment account opened at XXXX XXXX on XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
I am filing this complaint because my credit report contains accounts that are inaccurate and do not comply with the Fair Credit Reporting Act ( FCRA ). I am requesting an investigation and the deletion of these accounts, as the information being reported is erroneous, incomplete, and causing financial harm. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX : XXXX | : XXXX Date : XX/XX/XXXX To : Equifax Information Services, XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXXXXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX TransUnion XXXX XXXX. XXXX XXXX, XXXX, PA XXXX Re : Formal Dispute of Inaccurate Reporting XXXX XXXX XXXX Account XXXX XXXXXXXX To Whom It May Concern, I am disputing inaccurate reporting of late payments and account information for my XXXX XXXX XXXX account. Please see the attached exhibits showing : Late Payments : Equifax, XXXX XXXX XXXX report different months as 30 days late ( Equifax : XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XX/XX/XXXX ). This violates FCRA XXXX ( b ), which requires reporting with maximum possible accuracy. 
High Credit Discrepancy : XXXX XXXX XXXX  list {$580.00}, while Equifax lists {$0.00}, a clear inconsistency that affects my creditworthiness. 
Current Status : Despite these errors, all three bureaus currently show the account as Pays as Agreed / Current, making the past-due notations factually inaccurate and misleading.

FCRA Violations These errors violate the following provisions : 1681e ( b ) : Duty to ensure maximum possible accuracy.

1681i : Obligation to reasonably reinvestigate disputes.

1681i ( a ) ( 2 ) & ( a ) ( 5 ) : Ban on verifying or reinserting unverifiable data.

1681i ( a ) ( 6 ) ( B ) ( iii ) : Requirement to provide a detailed method of verification.

Demand for Action I demand the following : Immediate deletion of all inaccurate late payment notations for this account.

Correction or removal of the inconsistent high credit reporting.

Written confirmation of deletion/corrections and an updated copy of my credit report.

If you fail to comply, I will escalate by filing complaints with the CFPB, FTC, and Florida Attorney General and seek damages under 15 U.S.C. 1681n for willful violations. 
Sincerely, XXXX XXXX XXXX Attachments : Exhibit A Side-by-side bureau screenshots of late payment inconsistencies Exhibit B High credit reporting Uploaded image Uploaded image

Company response to consumer: Closed with explanation