vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called Experian credit bureau because upon checking my report there were XXXX inquiries from XXXX  when I purchased my car -- first when I called the fraud department he said my report has been assigned to the special accounts and when I asked why was my account assigned he hanged the the phone or rather he transferred me to the department -- when the lady answered the phone I immediately asked why was my report assigned to the special department and she began to asked for information on me to pull my file and then she asked how could she help so I told her about the inquiries on my report and she said that they do not remove inquiries and that I had to call the XXXX companies and if they agreed to remove then then they would call Experian and then they will remove them -- is this the law now

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within XXXX ( XXXX ) business days. 

The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than XXXX  days, I have not received a response. I respectfully request that you help me by removing these accounts 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Date : XX/XX/XXXX LVNV Funding LLC Attn : Compliance Department XXXX XXXX XXXX XXXX, SC XXXX Re : Account No. XXXX Failure to Validate Debt To Whom It May Concern : On XX/XX/XXXX, I invoked my rights under 15 U.S.C. 1692g ( b ) to request full validation of the above-referenced debt. Thirty ( 30 ) days have now elapsed without your providing any of the requested documentationor ceasing collection activityas required by law. Your failure to comply constitutes multiple violations of the Fair Debt Collection Practices Act ( FDCPA ).

1. Violations of the FDCPA Failure to Validate Debt ( 1692g ( b ) ) You have not produced the original contract, chain-of-title/assignment documents, itemized statement, or licensing evidence. A collector who continues collection efforts without validation runs the risk of violating the FDCPA ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ). 

Continued Collection Efforts ( 1692g ( c ) ) You persisted in collection communications despite my timely dispute, violating the prohibition on collection before validation ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ). 

Unfair Practices ( 1692f ) Reporting or threatening to report this debt without validation is unfair or unconscionable, in breach of FDCPA 1692f ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ). 

Improper Credit Reporting Failing to remove this unvalidated debt from my credit file violates your obligation not to furnish inaccurate information ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ). 



2. Demand for Immediate Action Within seven ( 7 ) days of your receipt of this letter, you must : Cease all collection activity on Account No. XXXX until full validation is provided. 
Delete all reporting of this account from every consumer reporting agency. 
Confirm in writing that you have taken these steps.

3. Consequences of Non-Compliance If you fail to comply, I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ).

Refer this matter to my State Attorney General.

Initiate litigation seeking : Statutory damages under 15 U.S.C. 1692k ; Actual and punitive damages for willful non-compliance ; Attorneys fees and costs.

This is a final opportunity to resolve this dispute amicably. Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I have submitted three written requests for proper validation of this debt under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Your only response has been a one page billing statement ( See Attachments ), which does not constitute legal validation nor proves that I owe the alleged amount. You have failed to provide a copy of any original agreement, chain of assignment, or proof of ownership or any elements required to validate your authority to collect.Despite your failure to verify this debt, you have proceeded to report it to consumer credit reporting agencies, without proper notice or substantiation. This action is in clear violation of the FDCPA, and your continued reporting and collection activity on an unverified debt may also violate the Fair Credit Reporting Act.

The inaccurate and unverified reporting of this alleged debt is directly harming my creditworthiness and causing financial injury. Credence Resource Management does not have any regard for the rights set forth to protect consumers and will be held accountable if further injury is cause due to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint due to repeated violations of the Fair Credit Reporting Act ( FCRA ) by both [ Creditor Name ] and XXXX, in connection with a late payment that has remained on my credit report since 2020 despite multiple disputes.

I have submitted formal disputes to XXXX  under FCRA 611 ( a ) ( 1 ) ( A ), which requires the consumer reporting agency to conduct a reasonable reinvestigation within 30 days. XXXX  claims the information was " verified '' by the creditor but has refused to provide any documentation or tangible evidence of such verification.

Furthermore, FCRA 611 ( a ) ( 5 ) ( A ) clearly states that if an item can not be verified after a reinvestigation, it must be deleted from the consumer 's file. To date, no verification has been provided to me by either party, yet the derogatory item remains. This is a direct violation of federal law. 

I also contacted XXXX XXXX  directly and requested verification under FCRA 623 ( a ) ( 8 ) ( D ), which requires furnishers to conduct investigations upon receiving notice of a dispute. The creditor refused to provide verification and denied a goodwill removal without justification, despite an otherwise positive payment history and an established pattern of responsible credit use.

At no point has any entity involved provided me with actual documentation supporting the accuracy of this negative reporting. I am now requesting that the CFPB investigate this matter thoroughly and compel the deletion of this item unless proper verification including payment history, due date, and reporting timeline is furnished as required under 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 non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: PA

Complaint narrative:
My CashApp account has been locked since XX/XX/year>25 after I accidentally sent money instead of requesting it from my brother. I put in a payment of {$40.00} and in the notes section I wrote XXXX ( it was for food ). I believe the system may have flagged it in error. I use my CashApp card to get my direct deposit and there is a little over {$1000.00} in the account that I urgently need for bills. Please help me resolve this. I have tried to contact them multiple times via phone calls and emails. They have not given me any updates as to when this issue will be resolved or anything. I believe they are unfairly holding my money. All of my deposits are going through but aside from that I cant use my account for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
An account from XXXX was originally reported delinquent in XXXX of XXXX. This fell off my credit report, but reappeared in XXXX and as a re-aged item. 

I disputed the account on XX/XX/XXXX with TransUnion. TransUnion deleted the item on XX/XX/XXXX. In early XXXX, the account was reinserted onto my credit report.I received no written notice of the reinsertion, required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ). 

I contacted TransUnion on XX/XX/XXXX and they were unable to provide the contact information or telephone number for XXXX, violating 1681i ( a ) ( 6 ) ( B ) ( iii ).

I escalated my conversation to a supervisor who told me they could not delete it again because it was already removed once, which directly contradicts FCRA law. They didn't properly investigate this issue.

The account is now over 15 years old and is legally obsolete under FCRA 1681c ( a ) ( 4 ). I am requesting that TransUnion permanently remove the reinserted account and confirm that all FCRA compliance steps were followed. If certification from the XXXX was not obtained prior to reinsertion, the item must be deleted immediately. 

I have attached the following : - A credit report from XXXX showing the original age of the account ( ACC # XXXX ) - A credit report from XXXX showing a re-aged account ( ACC # XXXX ) - Confirmation from TransUnion that my dispute was resolved and account was removed

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 2025-07-30 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: TX

Complaint narrative:
I discovered multiple hard inquiries on my credit report that I did not authorize, initiate, or consent to. These inquiries were placed without my knowledge or involvement, and I have no existing credit relationships, applications, or transactions with the companies responsible. 

I submitted disputes to the credit bureaus requesting verification and deletion of these unauthorized inquiries. Despite these efforts, I received either boilerplate responses or no valid proof of permissible purposesuch as signed applications or digital audit trails. This lack of verification violates the Fair Credit Reporting Act ( FCRA ), including 1681b ( a ) ( 3 ), 1681e ( b ), and 1681g, which require a permissible purpose, maximum accuracy, and full disclosure of information used to verify account reporting.

I believe these hard inquiries were added in error or through fraudulent means, and the credit bureaus have failed to meet their legal responsibilities under FCRA. I am now seeking the CFPBs assistance in ensuring my rights as a consumer are protected.

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 2025-07-30 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: TX

Complaint narrative:
I discovered multiple hard inquiries on my credit report that I did not authorize, initiate, or consent to. These inquiries were placed without my knowledge or involvement, and I have no existing credit relationships, applications, or transactions with the companies responsible.

I submitted disputes to the credit bureaus requesting verification and deletion of these unauthorized inquiries. Despite these efforts, I received either boilerplate responses or no valid proof of permissible purposesuch as signed applications or digital audit trails. This lack of verification violates the Fair Credit Reporting Act ( FCRA ), including 1681b ( a ) ( 3 ), 1681e ( b ), and 1681g, which require a permissible purpose, maximum accuracy, and full disclosure of information used to verify account reporting.

I believe these hard inquiries were added in error or through fraudulent means, and the credit bureaus have failed to meet their legal responsibilities under FCRA. I am now seeking the CFPBs assistance in ensuring my rights as a consumer are protected.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax I was doing my periodic review of my consumer report and i saw are furnishing XXXX XXXX some accounts with payment as later on my credit report. That was XXXX2025. I did submit disputed 60day later send me letter said this information was verified with out any proof. I need to know what method they used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: The Phoenix Recovery Group
State: CT

Complaint narrative:
Phoenix Recovery Group is furnishing a rental collection that is inaccurate and not fully verified. I disputed directly with Phoenix on XX/XX/XXXX and XX/XX/XXXX and with the credit bureaus. On XX/XX/XXXX Phoenix sent a validation packet that still fails to validate key elements and appears to include unlawful charges from the XXXX emergency period. 

Problems with Phoenixs validation : No proof of assignment/authority from the property owner authorizing Phoenix to collect or furnish data to XXXX

No moveout inspection report or photos and no itemized moveout statement signed/acknowledged by me, as required by Texas Property Code 92.104 & 92.1041 before assessing charges. 
The balance relies heavily on a {$1400.00} insufficient notice fee. In XX/XX/XXXX ( my moveout date ), XXXX and XXXX XXXX XXXX emergency tenantprotection measures were in effect ( e.g., XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Orders XXXX & XXXX ), which overrode lease termination penalties and required flexibility for notice/eviction. Phoenixs packet does not show that these protections were considered ; it simply enforces a lease penalty.

Phoenixs cover sheet lists Principal {$2500.00} + {$50.00} collection fee = {$2600.00}, but it does not provide underlying verifiable documentation tying each dollar to a lawful charge.

I requested : ( 1 ) assignment/ownership documents, ( 2 ) a signed lease and all addenda, ( 3 ) a complete, itemized ledger supported by invoices/receipts, ( 4 ) the moveout inspection report/photos, and ( 5 ) any notice correspondence. Phoenix did not provide the assignment, inspection report, or proof that the insufficient notice fee is lawful under XXXX emergency rules. 

Impact : XXXX  deleted this collection after my dispute, but XXXX  and XXXX  still show it. This is blocking me from housing and mischaracterizes me as owing a property/being evicted.

Laws implicated : FCRA 623 ( b ) furnisher must conduct a reasonable investigation after CRA notice and delete information that can not be verified.

FCRA 611 CRAs must reinvestigate and provide a Method of Verification; continued reporting without verifiable documents is unreasonable.

FDCPA 809 ( 15 U.S.C. 1692g ) failure to provide adequate validation before continuing collection/furnishing.

Texas Finance Code 392.202 furnisher must investigate and correct/delete disputed information it can not verify.

Texas Property Code 92.104 & 92.1041 governs moveout/charge statements ( not provided ). 
Local emergency protections in XXXX ( XXXX XXXX XXXX XXXX barred enforcement of standard lease penalty clauses like insufficient notice.

Company response to consumer: Closed with explanation