vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to TransUnion regarding inaccurate items on my credit report. To help confirm my identity, I included copies of my government-issued photo ID, XXXX as proof of my Social Security number, and a recent bank statement showing my current address. In my letter, I specifically requested that TransUnion provide full details of its verification process, including : - The method used to verify the disputed item - The date TransUnion contacted the creditor - Contact information for that creditor - The name of the individual who verified the item - The communication method used ( e.g., phone, email, mail ) - Confirmation of whether any sensitive personal datasuch as my Social Security Number, address, and date of birthwas shared during the verification process. 
Despite providing all required documentation and a clear written request, TransUnion has failed to provide any investigation results. It has now been over 30 days since my submission, with no communication or resolution. 
Under the Fair Credit Reporting Act ( FCRA ), 611, credit reporting agencies are legally obligated to conduct a reasonable reinvestigation of disputed information and provide the results to the consumer within XXXX days. TransUnions failure to respond constitutes a violation of its duties under the FCRA and places the bureau at risk of liability for noncompliance. 
I am including a copy of my original dispute letter as supporting evidence.

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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: VA

Complaint narrative:
I am filing a complaint because Discover has failed to respond to multiple certified hardship request letters and has denied me any payment accommodation. 
My income is very limited. I work full time but only earn approximately {$320.00} {$450.00} every XXXX weeks, and I receive XXXX benefits. I explained this hardship to Discover by phone, but I was told I do not qualify for any relief because I had previously completed their one-year hardship program, never missed a payment. I was also told that Discover does not accept partial payments and that any amount less than the full minimum would be treated as late. 

I mailed XXXX certified hardship request letters. The first was lost by XXXX, but the second was successfully delivered and signed for, and I have the return receipt as proof. Despite this, Discover has not responded in writing. The only contact I received afterward was an automated email stating that my balance of {$640.00} was due. 
Prior to sending my written requests, Discover also placed frequent calls to me about this account. I later requested in writing that communication be shifted to mail or secure message only. While the calls have now stopped, the company has still failed to respond to my certified letters in good faith. 

I am not denying the debt, my history will show, I made my payments. I am working to increase my income but the payments are equal to my weekly check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2025-09-16 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: AZ

Complaint narrative:
I am formally disputing the fraudulent hard inquiries that appear on my credit report. I did not apply for credit with these companies, nor did I authorize them to access my credit file. These inquiries were made without my consent and are the direct result of fraud and/or identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I have expressly authorized are permitted to remain on my credit report. Since I never granted permission, these inquiries are unauthorized and unlawful. I am demanding their immediate and permanent removal from my credit reports across all three bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-09-16 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-09-16 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: SC

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my XXXX score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from 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 non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had XXXX citi bank cards. Both were closed, charged off and SOLD .multiple times. 

Citi continues to report a past dre amount for 3 years now. 
The law allows them to report charges off but not the last due as they NO LONGER OWN the debt. 

I have filed complained with all XXXX CRA who say its not their responsibility to verify the accuracy of information provided. 

If I contact Citi they refer me to the collection agency. One of who no owns the debt.

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 2025-09-16 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:
b"Dear CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
b"Dear CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
XXXX XXXX dispute letter Subject : Dispute of Inaccurate XXXX XXXXXXXX Account Reporting Across All Bureaus Body : To Whom It XXXX Concern, I am formally disputing the XXXX XXXXXXXX account XXXX, as reported on my XXXX XXXX XXXX XXXX  XXXX files. The information being reported is inaccurate and inconsistent across the XXXX bureaus, specifically regarding the dates of first delinquency and reported balances. 

This discrepancy is a violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires maximum possible accuracy in consumer reporting. Pursuant to FCRA 611 ( a ), I am requesting verification of this account. To date, XXXX XXXX has failed to provide : A copy of any signed agreement bearing my signature, and A complete and accurate payment history supporting the reported information. 

Since the furnisher has not provided verifiable documentation, this account is unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), all unverifiable or inaccurate information must be promptly deleted from my credit reports. 

Accordingly, I demand the immediate removal of this XXXX XXXX account from my XXXX XXXX XXXX XXXX credit files. Please provide me with written confirmation of your investigation results and the actions taken regarding this dispute. 

Sincerely, XXXX XXXX XXXX XXXX pl XXXX, MI XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays Bank of Delaware card shows on their end started in XXXX ended in XXXX It is still not closed and remains ghost active per XXXX XXXX knowledge and XXXX card started in XXXX I was born in XXXX had debts that disappeared on FTC filings XXXX XXXX pushed card on bank of Delaware is their plea and XXXX XXXX has no info to contact and the bank itself pushes one to overseas customer service for a now XXXX  company claiming no files or knowledge of transfer of account This puts my SSN at risk and destroys my credit without freeze also I am not sure balance says XXXX there seems to be no debt but greatly affects my employment potential and rental potential as a USA citizen with no knowledge of the cards origin as a XXXX XXXX XXXX or what is doing not being closed completely

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 2025-09-16 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: Experian Information Solutions Inc.
State: AL

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.

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 : 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 XXXX 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 XXXX years. 

15 U.S.C. 1681s-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 the information is inaccurate.

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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello name is XXXX XXXX. I have a paid in- full charge off on my credit report. Before paying the debt collector ( XXXX XXXX XXXX ) I was told that the account would be deleted and removed from my credit report. I asked can I get it in writing, and they sent me a letter saying the account would be deleted. I will send it or attach it with this complaint. The account is still reporting on there.

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 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XXXX XXXX I made a transaction to buy goods from XXXX XXXXXXXX for XXXX. I never received the goods, I tried reaching out no answer. I also requested my money back via cash app and still no response. I reached out to cash app support to let them know the situation and to also dispute the transaction. They sent me a email stating that my claim was denied and that they cant offer me a refund because it wasnt a transaction made with my debit card. So I reached out to my bank to dispute the charges and was told that they cant dispute XXXX party charges. 

Which is a inconvenience that a person is scamming people using cash app money services and cash app doesnt protect nor provide assurance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
b'Subject: Formal Dispute of Inaccurate Account Reporting  Ally Financial (Account No. XXXXTo Whom It May Concern:\n\nI am writing to formally dispute the accuracy and completeness of information being reported by Ally Financial regarding account number XXXX  on my credit report.\n\nUpon reviewing my credit reports from the major credit bureaus, I noticed that Ally Financial is reporting inconsistent balances and payment histories across different credit bureaus. This inconsistency constitutes a violation of the Fair Credit Reporting Act (FCRA), specifically Section XXXX(b), which requires that credit reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of the information they report.\n\nFurthermore, under FCRA Section XXXX(a), I am requesting that this account be verified or deleted. As part of the reinvestigation process, the original retail installment contract and any supporting documentation used to report this account must be provided. If Ally Financial cannot furnish the original signed agreement and proper documentation validating this debt, the account must be removed from my credit report immediately.\n\nPlease conduct a thorough reinvestigation of this matter. In accordance with the FCRA, I request that:\n\nYou provide the method of verification used during your reinvestigation.\n\nYou provide copies of any documents or records used to verify the accuracy of the reported information.\n\nYou delete this account if it cannot be fully verified with original documentation.\n\nPlease complete this reinvestigation within XXXX  days, as required by the FCRA, and provide written confirmation of the results.\n\nSincerely,XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit report shows late payment entries that I believe are inaccurate. In accordance with XXXX USC XXXX ( b ) and XXXX USC XXXX, the information in my report must be accurate, complete, and capable of verification. I am requesting verification of these late payments, and if they can not be confirmed as accurate, I ask that they be corrected or removed from the 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