vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I have been trying to consolidate my student loans, since XX/XX/XXXX. I " ve been calling and asking about how long, and what is going on. I could never get a straight answer, I filed complaints, and called in. My grace period is ending XXXX, XXXX. I " m freaking out I " m a single mom living at parents house trying to get on my feet. and I feel like I " m getting messed over. When on the phone with federal student aid they are telling my loan company is XXXX XXXX, online its XXXX. when I check BOTH websites they both say They are my loan services but nothing about my applications, nothing about my complaints. Nothing about nothing only my grace period is about to end.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-25 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: TX

Complaint narrative:
Transunion continue to report an erroneous status on my report after the company sent them the update. I called Transunion and told them about the information they are reporting and they refuse to fix it even after I submitted the letter to them.

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 2025-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MN

Complaint narrative:
I am writing in response to a collection account you are reporting on my credit report under the account number referenced above. This letter serves as a formal request for debt validation under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ).

Please provide the following:1. A copy of the original contract bearing my signature.2. A full itemization of the alleged debt.3. Proof of your legal right to collect this debt ( chain of title from XXXX XXXX ) .4. A statement that this debt has not been paid or discharged.5. Proof that the balance, dates, and reporting on my credit file are accurate and verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I ask Equifax to send me a wet copy of XXXX XXXX for a bill of XXXX dollars and also for XXXX XXXX for a bill of XXXX dollars for a company I don't know anything about and they refuse to send a wet copy, also refuse to remove these Creditors off my credit....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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:
Equifax has been very difficult to communicate with over the phone. I have spent hours on the phone trying to reach a live operator and no success. I have provided a ftc report and proof that these accounts are not mine and yet they still have not provided me any proof that these accounts are mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: NY

Complaint narrative:
My personal information was exposed in a data breach. These accounts do not belong to me. 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed 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 kindly request that you block this information from my credit within four business days. pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts. 

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

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 2025-05-25 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: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX Balance : {$330.00}, XXXX XXXX  XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX XXXX : {$1200.00} & XXXX XXXX XXXX Balance XXXX {$5900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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 am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX Balance : {$330.00}, XXXX XXXX  XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX XXXX : {$1200.00} & XXXX XXXX XXXX Balance XXXX {$5900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

Account name : XXXX XXXX 15 U.S.C 1681 Section 602 A, states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following item of information : Any other adverse item information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that.

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 2025-05-25 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: FL

Complaint narrative:
I am writing to express my deep frustration and continued concern regarding my CFPB complaint ( Case # XXXX ), which I originally submitted on XXXX XXXX XXXX Despite clear and documented evidence that the account in question is entirely frivolous and unsubstantiated, TransUnion has failed not only to properly investigate the matter, but also to comply with the legal timeframes and responsibilities set forth under the Fair Credit Reporting Act ( FCRA ). 

TransUnions response that XXXX XXXX " verified the account as reported '' is a direct contradiction of the documentation I submitted. I possess correspondence from XXXX XXXX stating unequivocally that they have no record of this alleged account tied to my name or Social Security number. This letter proves that the debt does not exist and should never have been reported. 

Additionally, TransUnion is the only credit reporting agency continuing to report this baseless account, further reinforcing that this is an error specific to their agency. The fact that XXXX XXXX XXXX do not report this entry illustrates the arbitrary and inaccurate nature of TransUnions reporting. 

Furthermore, TransUnion has exceeded the 30-day window required by law to investigate and respond to a dispute. This is a blatant violation of the FCRA, which mandates a prompt and thorough investigation and the deletion of unverifiable information. 

To summarize : TransUnion continues to report a false and damaging account. 

The furnishing party, XXXX XXXX, has confirmed the account is invalid. 

TransUnion has failed to conduct a reasonable investigation. 

TransUnion has violated the statutory timeframe under the FCRA. 

TransUnion is the only bureau misreporting this account, isolating them as negligent. 

Given the harm to my credit profile, financial standing, and emotional well-being, I demand that the CFPB hold TransUnion accountable for their continued non-compliance, negligence, and harm. I am formally requesting that the CFPB re-open this matter and initiate further enforcement action. 

In addition, I am pursuing monetary damages for willful noncompliance with the FCRA and am prepared to escalate this matter through all legal and regulatory channels available to me. 

This account must be deleted immediately from my TransUnion 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 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX XXXX, 2025, I attempted to use my Care Credit card to pay for my cats medical fees. They informed me the account was listed as closed. The month before, I paid off the entire balance of {$1200.00}. On XXXX/25, I checked before I made the vet appt to ensure my credit available was {$1200.00}, which it did. But the next day, my account was closed.

I asked why and they told me they sent an email. They had not, in fact, I received an email confirming my balance and provided access to offers from related vendors.

The cause was given was that I hadnt used the card enough times.

I previously used the card in XXXX 2025. I paid off the balance in XXXXXXXX 2025. They closed the account the day I went to used the card again, on XXXX 2025.

I find this to be predatory. Once I paid my balance off, I was no longer a desirable consumer for their purposes of having people keep a balance and they can collect excessive interest on. They charged my APR fees at 31 %

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 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a couple if payments using the wrong account number for withdrawal, each time this happened I immediately fixed it making another payment. They closed my account this last time after I made XXXX payment, Ive had this card for years and this happened really.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: KS

Complaint narrative:
I found an inaccurate negative items on my credit reports.I contacted the furnisher, TRANSUNION equifax Experian received no verifiable response, and am requestinga full investigation under the fair credit Reporting Act ( FCRA ). Please remove these unverifiable items. 
Clean.Legal.Powerful.

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 2025-05-25 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EXPERIAN, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ; XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EXPERIAN, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : 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

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 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 2025-05-25 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: NJ

Complaint narrative:
The Credit Bureaus and XXXX are reporting incorrect information. XXXX is reporting that I owe {$270.00}, that bill was already paid in full yet it's still showing on my credit report. As well, XXXX is reporting an eviction which I was not evicted, rather I gave a 30 day notice and vacated the apartment.

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 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CL Holdings LLC
State: MS

Complaint narrative:
I am copying and pasting this from my credit report JEFFERSON CAPITAL SYST Original creditor : XXXX XXXXXXXX {$840.00} Account info Account name JEFFERSON CAPITAL SYST Account number XXXX Original creditor XXXX XXXX Company sold - Account type Debt Buyer Date opened XX/XX/XXXX Status Collection account. {$840.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$840.00} Balance updated XX/XX/XXXX Original balance XXXX XXXX  Monthly payment - Past due amount {$840.00} Terms 1 Month Responsibility Individual Your statement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing a charge-off account reported by XXXX Account # XXXX on my credit report. I never gave written authorization or consent for this account to be furnished or reported, as required under 15 USC-1681b of the Fair Credit Reporting Act. I have submitted a written dispute to TRANSUNION and requested written proof of consent. They failed to provide it and are continuing to report the account. I am requesting full deletion of the charge-off and for the CFPB to enforce my rights under federal law. I hereby demand immediate deletion of this account within 7days.

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