vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - 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  This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - 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  This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
I am filing this complaint against TransUnion for violating the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to resolve the matter directly, TransUnion has failed to comply with its legal obligations under the FCRA, including but not limited to : 1.Failure to investigate disputed information : I submitted a formal dispute to TransUnion regarding inaccurate and outdated information appearing on my credit report. TransUnion failed to properly investigate the dispute within the 30-day timeframe as required by 15 U.S.C. 1681i ( a ).

2.Failure to correct or remove inaccurate information : TransUnion continues to report information that has been proven inaccurate, even after being provided with supporting documentation. This is a violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy.

3.Failure to provide timely response : In accordance with the FCRA, I am entitled to a timely and complete response regarding any investigations. TransUnion has either delayed their response or failed to respond altogether, further compounding the harm caused by the original reporting error. 

As a result of these violations, I have suffered financial and emotional distress, including being denied credit and other financial opportunities. 

I am requesting that the CFPB investigate this matter and compel TransUnion to : Correct or delete the inaccurate information from my credit file, Provide a detailed explanation of the investigation conducted, Comply with all relevant provisions of the FCRA, and Be held accountable for failing to uphold consumer rights under federal law. 

Thank you for your 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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to your letter dated XX/XX/year>, regarding the unauthorized inquiries on my consumer report. Your response was inadequate and failed to comply with the obligations imposed upon you under the Fair Credit Reporting Act ( FCRA ). 
Let me be clear : I am NOT asserting identity theft. I am disputing the presence of unauthorized and/or unverifiable inquiries on my report. You are therefore legally obligated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to conduct a reasonable reinvestigation into the disputed items. Furthermore, 15 U.S.C. 1681b ( a ) mandates that no consumer report shall be furnished unless there is a permissible purpose, which must be certified and verifiable.

You have failed to meet the following FCRA requirements : 1. You did not provide documentation of my written authorization for the listed inquiries.

2. You did not verify the legal permissibility of the inquiries as defined under 15 U.S.C. 1681b.

3. You attempted to deflect your legal obligations by requesting police reports, which are only applicable in cases of suspected identity theft, not disputes of unverifiable or inaccurate data. 
As a nationwide specialty consumer reporting agency, you are required by law to investigate and delete any data that can not be verified. I demand a written explanation of your reinvestigation procedure and the name and contact information of any data furnisher you contacted to verify these inquiries, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

You now have 15 calendar days from receipt of this letter to : 1. Delete the disputed inquiries from my consumer report.

2. Provide me with the method of verification, including written proof of my signed authorization for each disputed inquiry ; 3. Confirm in writing that the disputed items have been removed or corrected in accordance with the law. 
Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Office of the Attorney General. I will also consider legal action for noncompliance under the FCRA, which allows for actual and punitive damages, attorneys fees, and injunctive relief. 
You are hereby placed on notice. This letter serves as a formal and final demand for compliance.

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 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/year> I sent a dispute, validation of debt to this company and never receive anything from them. 

NCB MANAGEMENT SERVICE Acct # XXXX XXXX attache the letter that i sent to them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NJ

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ).

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax $ XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against cash app ( XXXX inc ) due to inadequate customer service and unfair practices, which violates 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 ( 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 2025-06-25 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-06-25 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: MO

Complaint narrative:
Bull City Financial Solutions never contacted me in any form to pay debt or notify me of it going to collections. It appears the original debt was from XXXX XXXX, and they never contacted me either. I have an open insurance/car accident claim that would have easily paid this bill if I'd even been notified about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
XXXX XXXX XXXXXXXX XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX  XXXX XXXX BALANCED {$10000.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX BANK XXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX BANK XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
CFPB XXXX XXXX XXXX XXXX XXXX XXXX Caine & Weiner Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Related Company : Caine & Weiner XXXX Inc. ( debt collection ) Complaint : I am filing this complaint to report deceptive and obstructive business practices by XXXX XXXX XXXX ( XXXX ), who operate the website www.servectcorp.net. XXXX deliberately misrepresents itself as affiliated with XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), a nationally recognized registered agent company used by many corporations, including Caine & Weiner , Inc. 

XXXX website and branding use XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CA ), and related keywords to create the false impression that they are the official CT XXXX or an authorized branch. This misrepresentation creates a fraudulent funnel designed to divert consumers and legal parties attempting to serve process or communicate with XXXX XXXXXXXX regarding legal disputes, including debt disputes involving Caine & Weiner. 

Because of this deceptive branding and XXXX XXXX my lawful attempts to serve or contact the actual XXXX XXXXXXXX XXXX were intercepted or obstructed by XXXX. When I tried to resolve a debt dispute with Caine & Weiner, XXXX XXXX responded with hostility, refused to identify themselves properly, and denied their true status as a third-party service XXXXXXXX XXXX XXXX XXXX 

These deceptive and obstructive practices have interfered with my legal rights under the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws by blocking or delaying proper notice and dispute resolution. The fraudulent funnel undermines the integrity of the legal process and causes consumer harm. 

I urge the CFPB to investigate XXXX XXXX XXXX and Caine & Weiner for their role in this misleading and harmful scheme and take appropriate enforcement action to protect consumers from such deceptive conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: FL

Complaint narrative:
I am receiving repeated debt collection communications from January Technologies , Inc., a third-party debt collector, regarding alleged debts belonging to an individual named XXXX XXXX XXXX However, these emails are being sent directly to my personal email address ( XXXX ), and I have no association whatsoever with this person or any of the debts in question. My legal name is XXXX XXXX. On XX/XX/scrub> 2025, I received at least XXXX collection emails from XXXX regarding balances for a XXXX purchase via XXXX ( {$38.00} ), a XXXX purchase ( {$490.00} ), and a XXXX  purchase ( {$280.00} ). These emails were all addressed to XXXX XXXX, yet sent to my inbox. XXXX even issued me a verification code ( XXXX ) and invited me to log into their debt portal, where they requested personal identifying information. When I attempted to submit my actual date of birth and SSN, the system failed, confirming that they are trying to match my email to someone elses identity records. This suggests either gross misidentification or potential misuse of my email address in connection with someone elses debt account. Regardless of how this occurred, the result is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), as I am being wrongly contacted and prompted to interact with collection efforts for debts that are clearly not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information listed on my credit report. I have identified multiple violations of the law, violations of the fair credit reporting act. Certified mail, federal trade commission identity theft report, alongside a letter of deletion has been sent out directly to each creditor as well as the credit reporting agencies. Legal actions will be taken if this is not dealt with in a timely matter. Below I have attached my Florida Drivers license, signed social security card, as well as my federal trade commission report. Remove this immediately or I will be suing the credit reporting agencies for improper use of my consumer report causing me financial harm. Accounts listed before. 

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