vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: NV

Complaint narrative:
Letter to Equifax Regarding CFPB Lawsuit and Consumer Credit Rights mail : [ insert ema ate : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX XXXX Department, I am writing in direct reference to the recent enforcement action by the Consumer Financial Protection Bureau ( CFPB ) against Equifax, which resulted in a {$15.00} million penalty for improper handling of consumer credit report disputes and reinsertion of previously deleted inaccurate data ( CFPB File Reference : In the Matter of Equifax Inc. and Equifax Information Services LLC, XXXX As a consumer whose credit file is maintained by your agency, I am formally requesting that Equifax perform a complete reinvestigation and validation of all accounts, inquiries, and tradelines currently reported under my name : Consumer : XXXX XXXX. XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX In accordance with XXXX U.S.C. XXXX ( FCRA Section XXXX ), you are required to : XXXX. Conduct a reasonable reinvestigation of disputed items and provide written verification of all entries. 
XXXX. Remove or correct any inaccurate or unverifiable information within 30 days of this notice. 
XXXX. Provide documentation of each furnisher 's verification, including dates and evidence supporting continued reporting. 
Given that the CFPB determined Equifax had previously failed to adequately investigate consumer disputes, this request is being made with specific expectation of compliance with the updated enforcement order. Please ensure that your response includes : - Confirmation that all reinvestigations are handled in accordance with the CFPB 's 2025 Consent Order ; - Copies of any correspondence with furnishers verifying the accuracy of reported items ; and - A complete consumer disclosure reflecting any deletions or corrections made. 
If any information remains unverifiable, I demand its immediate deletion pursuant to FCRA XXXX ( a ) ( XXXX ) ( A ). Continued reporting of unverifiable or inaccurate data will be considered a willful violation and grounds for formal complaint and legal action under XXXX U.S.C. XXXX and XXXX. 
ase send your written response and updated consumer file to the address listed above within ys as required by I Thank you for your prompt attention to this matter.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
. To : LexisNexis XXXXisk Data Management , Inc. 
ATTN : XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Subject : Formal Rebuttal and Request for Deletion Unverified Bankruptcy Record ( Case # XXXX ) Dear LexisNexis Consumer Center, This letter serves as a formal rebuttal and demand for deletion of the reported bankruptcy record associated with my name and Social Security number, listed as Case Number XXXX, which you claim was verified through PACER and the XXXXXXXX XXXX XXXXXXXX in XXXX, MD. 
I have reviewed your correspondence dated XX/XX/XXXX, in response to my CFPB complaint. 
Your letter states that LexisNexis verified this bankruptcy record by matching an address and the last XXXX digits of a Social Security number. This verification process is inadequate under the Fair Credit Reporting Act ( FCRA ) because it does not constitute personal verification or confirm that I am the person who filed the referenced case. 
PACER records are public indexes and do not authenticate consumer identity ; they merely list case filings. Therefore, relying on PACER as the verification source fails to meet the standard of maximum possible accuracy required under 15 U.S.C. 1681e ( b ).

In addition, LexisNexis has not produced any certified documentation from the XXXX Bankruptcy XXXX containing my signature, petition, or verified filing under my name. Without such documentation, the reporting of this bankruptcy is unverifiable and must be deleted under FCRA 611 ( a ) ( 5 ). 
Accordingly, I request that LexisNexis immediately delete the disputed bankruptcy record from all databases and cease furnishing it to any third-party credit reporting agencies. Please also provide written confirmation once the deletion is completed. 
If LexisNexis can not verify this information with certified court documentation bearing my name and signature, you are legally required to remove it from your system and notify any data recipients of the correction. 
Please treat this as a formal reinvestigation under the FCRA. Enclosed are : - A copy of your XX/XX/XXXX LexisNexis response letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-15 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this statement to formally report XXXX continued noncompliance with the Fair Credit Reporting Act ( FCRA ) despite multiple written disputes and the submission of a valid FTC Identity Theft Report with supporting documentation. Despite my repeated requests on XXXX XXXX, XXXX, XX/XX/year>, and XX/XX/year>, Equifax has failed to remove or block the fraudulent XXXX BANK XXXX XXXX & XXXX BANK XXXX XXXX that was opened as a result of identity theft. This inaction constitutes clear violations of FCRA XXXX ( a ) ( XXXX ), XXXX XXXX ( a ), and XXXX ( a ) ( XXXX ) for failing to conduct a reasonable reinvestigation, refusing to block identity theftrelated information, and continuing to report inaccurate data. I have provided Equifax with all the necessary identification and evidence to support my claim, including my FTC Identity Theft Report No. XXXX, proof of address, and government-issued identification. Their repeated disregard of my legal rights under the FCRA has caused ongoing harm and emotional distress due to inaccurate reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NV

Complaint narrative:
Letter to Equifax Regarding CFPB Lawsuit and Consumer Credit Rights mail : [ insert ema ate : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX XXXX Department, I am writing in direct reference to the recent enforcement action by the Consumer Financial Protection Bureau ( CFPB ) against Equifax, which resulted in a {$15.00} million penalty for improper handling of consumer credit report disputes and reinsertion of previously deleted inaccurate data ( CFPB File Reference : In the Matter of Equifax Inc. and Equifax Information Services LLC, XXXX As a consumer whose credit file is maintained by your agency, I am formally requesting that Equifax perform a complete reinvestigation and validation of all accounts, inquiries, and tradelines currently reported under my name : Consumer : XXXX XXXX. XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX In accordance with XXXX U.S.C. XXXX ( FCRA Section XXXX ), you are required to : XXXX. Conduct a reasonable reinvestigation of disputed items and provide written verification of all entries. 
XXXX. Remove or correct any inaccurate or unverifiable information within 30 days of this notice. 
XXXX. Provide documentation of each furnisher 's verification, including dates and evidence supporting continued reporting. 
Given that the CFPB determined Equifax had previously failed to adequately investigate consumer disputes, this request is being made with specific expectation of compliance with the updated enforcement order. Please ensure that your response includes : - Confirmation that all reinvestigations are handled in accordance with the CFPB 's 2025 Consent Order ; - Copies of any correspondence with furnishers verifying the accuracy of reported items ; and - A complete consumer disclosure reflecting any deletions or corrections made. 
If any information remains unverifiable, I demand its immediate deletion pursuant to FCRA XXXX ( a ) ( XXXX ) ( A ). Continued reporting of unverifiable or inaccurate data will be considered a willful violation and grounds for formal complaint and legal action under XXXX U.S.C. XXXX and XXXX. 
ase send your written response and updated consumer file to the address listed above within ys as required by I Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am filing this complaint because Portfolio Recovery Associates is attempting to collect a debt in the amount of {$910.00} that I was never properly notified about. I never received a written notice or any documentation validating this debt or informing me of my right to dispute it within 30 days. 

I first discovered this account on XX/XX/XXXX after reviewing my credit report. I submitted a dispute with the credit bureaus, but they verified the account without providing any supporting documentation from Portfolio Recovery Associates. 

I am requesting that Portfolio Recovery Associates provide proper written validation of this debt, including the original creditors name, account details, and proof that this debt is legitimately mine and collectible. Until such validation is received, I do not believe this account should be reported or collected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Blockchain.com, Inc.

Complaint narrative:
I bought bitcoin in XXXX  and transferred it to my XXXX XXXX  with blockchain.com after it was sent and unauthorized transfer was made that took the money out of the XXXX XXXX into the XXXX XXXX, when i tried to take it out they refused and the money has been stuck there for years now, they ask i verify the account, after several attempt to verify they keep rejecting my verification with unclear reasons so they later locked me out of verifying saying i should contact support which i have done severally they take me in circles and end up ghosting. there are alot of bad reviews about this company online even a XXXX XXXX search would prove this, i believe they selectively scam people little number of people, little enough to be under the radar. I recontacted support recently and they didnt say anything about my money only ask me to create a new account which i did with the email XXXX. there is no clear information if theyll transfer my money to the new account or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am writing to report COLUMBIA DEBT RECOVERY LLC for wrongfully accusing me of owing a debt and publishing negative items on my credit report. Despite multiple calls to dispute this debt, the issue remains unresolved. I am no longer willing to engage in further communication regarding this matter. I have never lived in or had any affiliation with the apartments in question. I request that you take immediate action to remove these erroneous items from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-15 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 have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: PRG Ventures, Inc
State: TX

Complaint narrative:
Im XX/XX/year> I wrote into money.apps customer service and let them know that I was revoking both debit card and ACH authorizations. I made it clear that I was to no longer be charged. I supplied them with a copy of their own terms and policies where it states that I did not have to pay back anything owed at a specific time. I was assured then by a response email that they were going to make an exception and that I absolutely would not be charged. I will attach a copy of that email below. This morning, I woke up to a charge for the full amount that I was assured I would not be charged until I logged in and paid it myself. They lied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: PA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-15 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I closed my Amazon Store Card account ( issued by Synchrony Bank ) in late XXXX or early XX/XX/scrub>XXXX XXXX I believed my balance was fully paid. 

In XX/XX/year>XXXX I received a {$390.00} refund, representing the remaining balance after a {$530.00} refund check was supposedly issued. However, I never received the {$530.00} check. On XX/XX/scrub> XXXX  a Synchrony representative ( XXXX ext XXXX ) confirmed the check was cancelled. 

Despite that, Synchrony re-added the same {$530.00} as a charge and is reporting my account as delinquent. I was never mailed a final billing statement as required under the Fair Credit Billing Act. 

I am disputing this charge and requesting Synchrony correct my account and remove any negative reporting.

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 2025-10-15 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: NC

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-10-15 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section XXXX of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-10-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Request for Debt Validation pursuant to 15 U.S.C. 1692g of the FDCPA To Whom It May Concern : I am writing in response to your [ letter/call ] dated [ insert date ], regarding an alleged debt you claim I owe. This letter is not a refusal to pay, but a request for validation and proof of the alleged debt as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Under the FDCPA, I have the right to request the following information within 30 days of being contacted about this debt. Accordingly, I am requesting : Validation of the debt the amount, the original creditors name and address, and a detailed accounting of the debt amount claimed.

Proof that you are legally authorized to collect this debt, including documentation showing the chain of assignment, purchase agreement, or assignment contract from the original creditor to your agency.

A copy of any signed agreement or contract that obligates me to pay this debt.

The name and address of the original creditor, if different from your agency.

Until you provide the requested documentation, I request that : All collection efforts cease immediately.

No reporting of this alleged debt be made to any credit reporting agencies, or if it has already been reported, that it be deleted from all credit reports in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 and FDCPA 1692g ( b ).

If you are unable to validate the debt with the documentation requested above, including a contractual assignment agreement, then you are required by law to cease collection efforts and remove any related negative credit reporting.

Please note, any further attempt to collect on a debt that has not been properly validated may be considered a violation of the FDCPA and I will not hesitate to report this to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 
I expect your response within 30 days of receiving this letter. Please send all documentation to the address listed above

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank froze my card stating there was fraud on my account. I was glad for the protection but upon review saw no fraudulent activity. Citibank then told me they had to verify my identity but could not do so on the phone and had to send me a letter. Im currently XXXX so I requested to update the location the letter would be sent. Ive repeatedly been told all that can be done is a letter be sent to my home of record. I requested they close my account after paying all balances to receive the same answer. I have had the card less than 60 days.

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 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
They cashed my mobile deposit and then they put it hold. They have a charge back from XXXX and the company been telling them to give me money back yet Ive constantly contacted the back office and they have just ignored me. I just want all my money to clear so I can transfer my funds instead of them trying to send me a check 10 days after they close the account and I have to go thru more issues and waits for my items. This company has multiple complaints from customers over the same thing. As an XXXX veteran I deserve to be treated better as a customer

Company response to consumer: Closed with explanation