vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
I am disputing the bankruptcy that is being reported on my credit file from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This bankruptcy is being reported by all three credit bureaus, yet none of the bureaus have provided any verification whatsoever after well over 60 days of disputes being submitted multiple times. 
Instead of providing verification, the bureaus continue to send me : Copies of my own credit report Generic verified letters Stall letters claiming Im working with a credit repair company Requests for identity documents I have already supplied three different times None of that is verification under the FCRA or Metro 2. 
How did you even obtain this bankruptcy information? 
Bankruptcies do NOT come directly from the court. 
The U.S. Bankruptcy Court does not report to credit bureaus. 
The bureaus pull bankruptcy data from third-party sources and paid public-record vendors. 
Because of that, the bureaus are legally required to : Perform a reasonable investigation ( FCRA 611 ( a ) ( 1 ) ( A ) ) Validate the public record with the actual court, not a third-party database Produce verification from the court of origin if a consumer disputes the record None of that was done. 
What information did I request? 
I requested proof directly from the court, including : The bankruptcy petition Case number Filing date Discharge/dismissal date Court docket Court-stamped documents Any documentation that proves this bankruptcy belongs to me I have not received ANY of these documents. 
The credit bureaus have never provided verification from the actual U.S. Bankruptcy Court only their internal data, which is NOT verification.

Why this violates the law Under FCRA 611 ( a ) ( 5 ) ( A ), anything that can not be verified within 30 days must be deleted.

Under FCRA 607 ( b ), the bureaus must maintain accurate, complete, and verifiable information not rely on third-party data vendors. 
Under FCRA 623 ( b ), the bureau must obtain actual records from the furnisher, and in the case of a bankruptcy, that furnisher is the court itself NOT XXXX, XXXX bots, or third-party data harvesters. 
Under Metro 2 public record reporting standards, the bureaus must maintain : Correct court name Correct case number Correct filing & status dates Accurate docket information Verification directly with the source You have not met any of these requirements. 
You already received my documents stop pretending you didnt I have already supplied : My Social Security card My drivers license My proof of address ( multiple times ) The bureaus claiming they need more information is a stall tactic and does not pause the investigation timeline. 
The 30-day clock already started, and we are now over 60 days, meaning you are now in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Everest Receivable Services Inc.
State: LA

Complaint narrative:
Someone called my wife a couple days ago and told her that needed to verify some information about me because Im being subject to a very serious investigation, the guy didnt tell her where he was calling from or for what matter, he just said that they were trying to verify my income, when she refused to give any information the guy asked her to tell me that they know where I live and which cars I drive, he actually gave her the description of the cars, this is scary because that means they are stalking me, today the guy called my stepsons girlfriend and told her that they know who she is and that they have a lot of information about me, right now I fear for my safety because I dont know who they are or what they want, he just told her that he works for a collection agency, his name is XXXX XXXX and his phone number is XXXX after doing some research of the numbers they called from found that the guy works for Everest Receivable Services

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I mailed a check to the US Treasury at the XXXX XXXX post office, only to find out the check was stolen, washed, and altered to a much higher amount and cashed without an endorsement. The pay line on the check still reads US Treasury but was allowed to cash by someone else. I am being refused help because it was discovered after a 60 day time frame. How can this be allowed to slip through the cracks!! And in my defense, my wife had just retired, and we were 2 extended vacations in XXXX and XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MO

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: SC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute certain items listed on my TransUnion credit report. After reviewing the report, I believe the following accounts are being inaccurately reported. I respectfully request an investigation into these accounts. 

Charged-Off Accounts : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX  Balance : {$420.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Balance : {$11000.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX XXXX  Balance : {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 4 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 grant 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.

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 2025-11-13 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:
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 4 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 grant 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Amscot Corporation
State: FL

Complaint narrative:
Amscot is attempting to collect on a payday loan that is over XXXX XXXX XXXX and is fraudulent. I did not take out this loan. 

The loan was opened using a former, divorced name, not my current legal name. At the time this loan was opened, I already had an active identity theft alert on my credit reports due to ongoing fraud by a close relative, whom I have had XXXX for identity theft in the past. 

I have contacted Amscot multiple times to inform them that this debt is fraudulent and a clear case of identity theft. I have requested that they send me all original application documents and verification so I can prove it is not mine, but they have failed or refused to provide any information. They failed to follow the identity theft alert protocols when the loan was opened, and they are now refusing to validate a fraudulent, time-barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Account Information XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX ( Real Estate Mortgage ) Account Type : Real Estate ( Conventional Mortgage ) Account Status : Charge-Off ( Status XXXX ) Balance : {$270000.00} High Credit : {$270000.00} Monthly Payment : {$2400.00} Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Payment Rating : XXXX Portfolio Type : Conventional Real Estate Mortgage Dispute Status : No Dispute Account Comments : Account reported as charged off, no further payments after the charge-off date. 
Account Information XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX ( Charge Account ) Account Type : Revolving Credit Account Status : Open Balance : {$570.00} High Credit : {$1100.00} Monthly Payment : {$29.00} Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Payment Rating : XXXX Portfolio Type : Credit Card Dispute Status : No Dispute Account Comments : Currently open, but high utilization relative to available credit.

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 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$20000.00} - Date Opened : XXXXXX/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 non-monetary relief
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
My wife was XXXX at XXXX XXXXXXXX XXXX  and I contacted the bondsman who initially did not answer- within seconds an unknown number called me and knew my wifes name and knew I was trying to bond her out. The person on the other line knew the situation and impersonated a cop! They convinced me they were the Sargent of the police and told me to cash app them {$600.00} for my wife to be released. I sent the money and my wife wasnt released. I went to the XXXX  and filed a police report due to officers saying there was no one by that name that works on the force and added scams have been happening! I contacted cash app and they said there is nothing they could do, I have been wrongfully scammed and I need my money back!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-11-13 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 am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the Equifax data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, I demand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : ACCOUNTS : XXXX XXXX XXXX, Legal Basis for My Dispute 1. Violation of 15 U.S.C. 1681i ( FCRA Procedure in Case of Disputed Accuracy ) : Under this provision, you are required to conduct a thorough investigation of the disputed items within 30 days. Given that the accounts listed above are the result of identity theft stemming from a data breach, they are not authorized by me and therefore must be removed. 
2. Violation of 15 U.S.C. 1681c 2 ( Block of Information Resulting from Identity Theft ) : I am invoking my right under this section to request that all accounts resulting from identity theft be blocked from my credit file without delay. The Equifax data breach has directly resulted in the unauthorized use of my information, and maintaining these accounts on my file constitutes non compliance with federal law.

3. Equifax 's Negligence and Potential Liability : The breach, which exposed the personal data of over XXXX XXXX individuals, is well documented. As the affected party, my data was compromised through no fault of my own, and I hold Equifax and other reporting agencies accountable for ensuring my credit profile reflects only legitimate accounts. 
Consequences of Non -- Compliance Failure to comply with the FCRA and applicable federal laws will result in the following actions : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C. 1681s -- 2 ( b ), as this constitutes a failure to respond to and correct inaccurate or fraudulent information.

Initiating legal proceedings to seek statutory and punitive damages for willful non -- compliance under 15 U.S.C. 1681n and negligent non -- compliance under 15 U.S.C. 1681o.

Reporting your non -- compliance to state Attorney Generals offices, as consumer protection laws vary by state.

My Demands 1. Immediate Deletion of Fraudulent Items : I demand that the disputed accounts be permanently deleted from my credit profile without delay.

2. Verification of Remaining Accounts : Provide written proof that all remaining accounts have been verified as legitimate under FCRA guidelines.

3. Confirmation of Deletion : Provide a formal letter within 30 days confirming the deletion of the fraudulent accounts and any related inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
HELVEY ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research HELVEY ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
Im writing this letter to formally correct and/or update the Personally Identifiable Information ( PII ) that your agency is apparently storing in a credit file under my SSN.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation