vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I sent a written dispute to the credit bureau regarding inaccurate information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), a credit reporting agency is required to conduct a reasonable investigation and respond to a consumer dispute within 30 days of receiving it. 
As of today 's date, XX/XX/year>, more than 30 days have passed and I have not received any response from the credit bureau. This is a direct violation of the FCRA 's time requirements for responding to disputes. 
Furthermore, 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) states that if the disputed information can not be verified within the 30-day period, the credit reporting agency must delete the information from the consumers credit file. 
The credit bureaus failure to investigate and respond within the required time frame, as well as their lack of communication, constitutes noncompliance with federal law and has caused unnecessary delays in correcting inaccurate data on my credit report.

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 2025-09-10 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:
On XX/XX/year>, I sent a written dispute to the credit bureau regarding inaccurate information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), a credit reporting agency is required to conduct a reasonable investigation and respond to a consumer dispute within 30 days of receiving it. 
As of today 's date, XX/XX/year>, more than 30 days have passed and I have not received any response from the credit bureau. This is a direct violation of the FCRA 's time requirements for responding to disputes. 
Furthermore, 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) states that if the disputed information can not be verified within the 30-day period, the credit reporting agency must delete the information from the consumers credit file. 
The credit bureaus failure to investigate and respond within the required time frame, as well as their lack of communication, constitutes noncompliance with federal law and has caused unnecessary delays in correcting inaccurate data on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX \ [ Insert their address here check your statement or official correspondence ] * * Re : Installment Account Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO CREDIT FURNISHER * * I am writing to formally dispute and request validation of the above-referenced installment account, which appears on my credit report. This letter is being sent pursuant to my rights under the * * Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) * * and the * * Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) * *, where applicable. 

As the furnisher of information to consumer reporting agencies, you are required under * * 15 U.S.C. 1681s-2 ( a ) * * to ensure the accuracy and completeness of any information you report. At this time, I am requesting that you : 1. * * Validate this account in full * * including a signed contract, full accounting of the debt, payment history, and all documents bearing my signature.

2. * * Verify the accuracy of all information * * you have reported to Equifax, XXXX, and TransUnion.

3. * * Delete or correct any information * * that can not be fully substantiated with proper documentation. 

If you are unable to validate this account within the timeframes required by law, you must immediately remove the tradeline from all consumer reporting agencies. Continued reporting of unverifiable information is a violation of federal law and may result in legal action.

Please provide a written response to this request within * * 30 days * * of receipt of this letter. 

Thank you for your prompt attention. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: GA

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 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 2025-09-10 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: NV

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: NV

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Notice of Dispute Fair Credit Reporting Act ( 15 U.S.C. 1681i ) To Whom It May Concern, I am disputing the accuracy of the following information on my Equifax credit report : Creditor/Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : Not my account Under 15 U.S.C. 1681i, please investigate, verify, and remove or correct any item that is inaccurate, incomplete, or can not be verified. 
Please provide me with the results of your reinvestigation within 30 days. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX - Closed XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX | ( XXXX ) XXXX Account Number : * XXXX | Owner : Individual Account Loan/Account Type : Auto | Status : Charge Off Date Reported : XX/XX/XXXX | Balance : {$6900.00} Credit Limit : | High Credit : {$16000.00} Date Opened : XX/XX/XXXX Date of 1st Delinquency : XX/XX/XXXX This company has reported charge offs every month for two years. This is not correct reporting and I have attempted to dispute wi the the credit bureaus as well as the company with no change. This is hurting my ability to receive credit and unfairly extending the timeline the company has to report this.

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am stressed out because this company is violating my rights under 15 I.S.C 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NC

Complaint narrative:
The following credit reporting agency failed to follow the appropriate procedures in accurate consumer reporting and failure to comply with account validation request, specifically requesting a detailed view of the payment history of the account.

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 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
Issue : Unfair, deceptive, or abusive acts and practices ( UDAAP ) This complaint is separate from my existing CFPB complaints regarding unauthorized gambling transactions and Regulation XXXX violations. This filing concerns XXXX XXXX XXXX unfair and deceptive practices, in violation of CFPBs UDAAP authority. 
1. Denial Based on Prior Dispute History : XXXX XXXX XXXX cited my prior dispute earlier this year as a reason for denying my current dispute. This is unfair and abusive because it treats my complaint history as evidence against me, rather than evaluating whether the transactions in question were authorized. Consumers should not be penalized for exercising their dispute rights.

2. Deceptive Terms and Conditions Gambling Transactions : XXXX XXXX  XXXX account agreement and disclosures explicitly state that internet gambling transactions are prohibited. However, the bank : Allowed multiple gambling transactions from offshore processors to post to my account ; Denied my dispute despite the fact that their own policies state these transactions should never have been processed; Misled me ( and all account holders ) into believing such transactions would be blocked. 

This is deceptive because a reasonable consumer would rely on the banks written prohibition against gambling transactions as a form of protection. Instead, the bank both facilitated these transactions and then refused to remediate the harm caused. 

Consumer Harm : Over {$200.00} in overdraft fees, {$40.00} in postage/certified mail expenses, {$20.00} in rent fees via credit card, Ongoing credit card cash-advance and interest charges. 

Resolution Requested : Immediate remediation and reversal of all disputed gambling transactions, Reversal of fees and damages caused by the banks delay and denial, Review and enforcement of XXXX  XXXX XXXX UDAAP violations regarding unfair denial practices and deceptive disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am stressed out because this company is violating my rights under 15 I.S.C 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of Federal Law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am formally requesting the deletion of this inaccurate account from my credit report, as I did not authorize its creation or use. The necessary supporting documents are enclosed with this request.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Two unauthorized hard inquiries were added to my Equifax credit report : - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX I did not apply for credit with either company, nor did I authorize them to access my credit file. I submitted a dispute to Equifax with supporting documents, including my FTC Identity Theft Report, government-issued ID, Social Security card XXXX and proof of address. Equifax responded stating that the FTC report was invalid due to a date discrepancy, even though the report clearly documents the unauthorized use of my identity to attempt to obtain credit. 

I am requesting CFPB assistance to ensure Equifax properly investigates and removes these inquiries in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: VA

Complaint narrative:
: Dear CFPB, I am writing to dispute fraudulent hard inquiries on my credit report that was not authorized by me .. these accounts need to be removed immediately they violate the federal credit reporting act.. 
XXXX card XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> 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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Category : Money transfer, virtual currency, or money service Sub-category : Fraud or scam Company : Block, Inc. ( Cash App ) Amount Lost : $ XXXX Date Range : [ Insert start and end dates of transactions ] Resolution Sought : Full restitution, internal investigation, platform reform -- - Narrative : > I am a survivor of financial fraud and emotional coercion involving over {$12000.00} sent through Cash App to a user operating under a false identity ( XXXX XXXXXXXX ). These payments were made under emotional manipulation and false promises. 
> > The recipient used a profile photo that deliberately obscured her facea woman in a dress holding a phone in front of her faceand a non-government name. Cash App failed to verify her identity, flag the pattern of 59+ high-value transfers, or intervene despite clear signs of exploitation.

> > I have screenshots showing the transaction history, the imbalance between amounts sent and received ( {$10000.00} sent vs. {$180.00} received ), and the emotional toll this has taken. I believe the recipient is a felon and that Cash Apps lack of verification protocols enabled her to exploit their platform without consequence.

> > I am requesting full restitution and regulatory intervention. I intend to pursue civil action against Block , Inc. for their role in facilitating this abuse and for failing to protect consumers like me from preventable harm. 

All of the fraudulent transactions occured in XXXX and XXXX of 2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: Continental Finance Company, LLC
State: IN

Complaint narrative:
Someone opened a card in my name that I never received or applied for

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 2025-09-10 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: GA

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 2025-09-10 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: GA

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 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 2025-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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 2025-09-10 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: CITIBANK, N.A.
State: PR

Complaint narrative:
ON XXXX XXXX CBNA BANK WHICH ADRESS IS XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX AND PHONE NUMBER ( XXXX ) XXXX TO XXXX, AND HARD INQUIRY WERE PUT ON MY XXXX  REPORTING AGENCY, AND I DONT RECOGNIZE THIS INQUIRY, WAS MADE BECAUSE IDENTITY THEFT.

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
I am stressed out because this company is violating my rights under 15 I.S.C 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of Federal Law.

Company response to consumer: Closed with explanation