vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries [ No inquiries listed for Experian ] Late Payments XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : 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 2025-12-22 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: PA

Complaint narrative:
I have disputed inaccurate and unverifiable information on my credit report multiple times with Experian. Specifically, I am disputing the following accounts being reported. 

Despite my written disputes, the credit bureau ( XXXX ) have failed to properly verify these accounts or provide original documentation, such as signed contracts or account-level records. Instead, they have provided only automated responses through e-Oscar, which does not satisfy the reasonable investigation requirement under the Fair Credit Reporting Act ( FCRA 611 ). 

The continued reporting of these unverifiable accounts is causing ongoing harm to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: 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. Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : DEPT OF EDUCATION/XXXX XXXX XXXX, Account name : DEPT OF EDUCATION/XXXX XXXX XXXX, Account name : DEPT OF EDUCATION/XXXX  # XXXX, Account name : DEPT OF EDUCATION/XXXX  # XXXX, Account name : DEPT OF EDUCATION/XXXX  # XXXX, Account name : DEPT OF EDUCATION/XXXX # XXXX, Account name : DEPT OF EDUCATION/XXXX # XXXX, Account name : DEPT OF EDUCATION/XXXX  # XXXX, Account name : DEPT OF EDUCATION/XXXX # XXXX, Account name : DEPT OF EDUCATION/XXXX  # XXXX, Account name : DEPT OF EDUCATION/XXXX  # XXXX, Account name : DEPT OF EDUCATION/XXXX # XXXX, And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 2025-12-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MO

Complaint narrative:
When I started using my card online. I started seeing multiple charges. So the same amount on the same date. They have been pretty good about getting co.pany to refund me but on XX/XX/XXXX I filed a dispute for transactions made in the amount of XXXX XXXX times on that date. And they denied it. These transactions were made like XXXX mins apart proving that the are duplicates. I also filed XXXX on the XXXX of XXXX And their policy states I will receive a provisional credit on the XXXX business day and they are refusing that credit. I contacted them and they keep saying that my dispute is processing. I understand that but their policy on their website states I will receive the credit not might receive or could receive. It says I will receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
On XX/XX/year>, I sent a formal Dispute and Debt Validation Notice to Sunrise Credit Services via Certified Mail XXXX regarding an alleged debt. 

Under the FDCPA ( XXXX XXXX. XXXX ) and the XXXX Debt Collection Act ( Tex. Fin. Code 392.202 ), a debt collector must cease all collection activities, including reporting to credit bureaus, once a timely dispute is received until they provide verified proof of the debt. 

Despite receiving my legal notice, Sunrise Credit Services ignored my request for validation and deliberately placed a negative collection item on my credit report on XX/XX/XXXX, XXXXjust six days after my notice was sent. This is a clear case of " debt parking '' and coercive collection tactics, which are prohibited under Regulation F ( 12 CFR 1006.30 ).

Furthermore, they have failed to provide proof of their surety bond as required for third-party debt collectors operating in the State of XXXX.

I am requesting that the CFPB compel Sunrise Credit Services to : * Provide full validation of the debt, including the original signed contract and itemized ledger. 
* Immediately delete the tradeline from all credit bureaus ( XXXX XXXX XXXX  ) as it was reported in violation of federal and state stay-of-collection laws.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: RI

Complaint narrative:
Dispute of Late Payment Reporting M & T Bank Account Number XXXX To Whom It May Concern, I am writing to formally dispute the reporting of a late payment on the above-referenced account. This dispute is made pursuant to the Truth in Lending Act, specifically

15 U.S. Code 1666b - Timing of Payments.

Under 15 U.S.C. 1666b ( a ), a creditor may not treat a payment as late if it is received by the creditor on or before the due date at the location designated by the creditor for receipt of payments. 
My payment for the billing cycle in question was submitted in accordance with the terms provided by your company and was received on or before the due date. 
Despite this, your company has reported the payment as late, which constitutes inaccurate reporting and a violation of federal law. Any adverse reporting based on this error is improper and must be corrected. 
Accordingly, I request that you : 1. Conduct a reasonable investigation into this matter ; 2. Correct or remove the late payment notation from my account records ; and 3. Update all consumer reporting agencies to which you have furnished this inaccurate information.

Please provide written confirmation once the correction has been made. If you are unable to substantiate that the payment was late under 15 U.S.C. 1666b, continued reporting of this derogatory information may subject your company to liability under applicable federal law. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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 submitting this complaint to formally request the immediate blocking and deletion of fraudulent information currently appearing on my credit report, in accordance with 15 U.S.C. Section 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple prior disputes and the supporting documentation already provided, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed is a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC Report Number : XXXX ) as evidence of identity theft. 
Pursuant to 15 U.S.C. Section 1681c-2, once an identity theft report is received, a credit reporting agency is required to block the disputed information within four ( 4 ) business days. This obligation has not been met. 
The account that must be blocked and removed immediately is : XXXX - XXXX, XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit reporting agencies have already deleted this account after being unable to verify its legitimacy. Additionally, the furnisher has failed to provide any signed agreement or verifiable documentation for more than 60 days, confirming that this account can not be validated. 
Nevertheless, TRANSUNIOM continues to report this account, knowingly allowing inaccurate and harmful information to remain on my credit file.

This ongoing failure to remove the fraudulent account has resulted in significant financial and personal harm, including credit denials and the inability to pursue essential financial goals such as home ownership. 
I respectfully request that the Consumer Financial Protection Bureau review this matter and ensure compliance with federal law by requiring that this fraudulent account be blocked or removed immediately, and that confirmation of such action be provided.

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 2025-12-22 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT I am writing to formally dispute one or more hard inquiries that appear on my consumer credit report. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act 15 USC 1681. Under the Fair Credit Reporting Act Section 604 a consumer reporting agency may only report a credit inquiry if it was made with a permissible purpose. Permissible purposes include a transaction initiated by the consumer or written authorization provided by the consumer. I did not authorize this inquiry nor did I initiate any transaction that would allow permissible access to my consumer report. Additionally under Fair Credit Reporting Act Section 611 you are required to conduct a reasonable investigation into disputed information and remove any information that can not be verified as accurate complete and authorized. At this time I am requesting that you investigate this hard inquiry and provide documentation showing my written authorization or other proof of permissible purpose. If you are unable to provide such proof the inquiry must be deleted from my credit report immediately. Please complete your investigation within the time period required by law and provide written confirmation of the results. Failure to remove unauthorized inquiries constitutes a violation of federal consumer protection law. Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
I am filing this complaint against Ability Recovery Services , LLC for deceptive practices and willful failure to comply with the Fair Debt Collection Practices Act ( FDCPA ). I have a recorded phone conversation from XX/XX/XXXX where the following occurred : * Admission of Notice Failure ( 1692g ) : The representative explicitly admitted that the company does not attempt to locate correct addresses for consumers, stating : " We have no way of knowing that you moved... they're not gon na track that down. '' This is a willful neglect of their duty to provide a Validation Notice, especially since my current address is readily available on my credit report, which they have accessed. 
* Deceptive Settlement Promises ( 1692e ) : The agent promised me a specific settlement discount that could be applied at a later date. The company is now refusing to honor this verbal agreement, using deceptive tactics to pressure me into paying a higher amount. 
* Harassment & Intimidation : The representative used aggressive tactics to coerce an " admission '' of wrongdoing regarding my legal recording of the call ( lawful under XXXX XXXX. XXXX ). 

The alleged debt originated from a XXXX evaluation/test at XXXX XXXX XXXX on XX/XX/XXXX XXXX Under the CARES Act and XXXX, patients were protected from cost-sharing and balance billing for XXXX testing and related XXXX  visits. I was never sent a bill or a notice of this debt until it appeared on my credit report years later. Attempting to collect an out-of-pocket balance for a federally protected XXXX visit is a violation of the No Surprises Act and the FDCPA 1692e, as the collector is misrepresenting the legal status of a debt that should have been covered by insurance or federal relief funds. 

Desired Resolution : I am seeking complete deletion of this account from all credit reporting agencies. Due to the documented legal violations and deceptive conduct, I no longer believe this agency has the legal standing to collect this debt. I am also preparing to escalate this matter to a civil lawsuit for statutory damages.

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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
When applying for a Citicard I always get a Citi privileges are restricted message. I have tried calling Citi several times and I have even gone XXXX Citibanks in person seeking help ; however, no one has a clue about the issue and they have no idea what to do or who to direct me to. I don't know who to turn to or where to get help.

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 2025-12-22 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: SC

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b.

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

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 2025-12-22 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: OR

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-22 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: VA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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