vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Date : XX/XX/XXXXXXXX  Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX, GA XXXX, Experian XXXX. XXXX XXXX XXXX, TX XXXX and TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX, Subject : Request to Remove Inaccurate Credit Information XXXXXXXX XXXX XXXX ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX ) To Whom It May Concern, Upon reviewing my credit report, I have identified inaccurate and unverifiable information associated with the account listed below : Creditor : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX This account is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically : Under 15 U.S.C. 1692g, I was not notified in writing within five days of the initial communication as required.

As the original creditor, only I may validate this alleged debt. I do not validate this debt. 

Under 15 U.S. Code 1692j, I assert that I am not participating in the collection of any alleged debt related to deceptive forms or misrepresentation.

I formally request that this item be investigated and, if not verifiable, removed from my credit report in compliance with 15 U.S.C. 1681i. You are obligated to complete this reinvestigation within 30 days of receipt. If the data provider can not verify the account and its reporting, it must be deleted.

Please send written confirmation of your findings and an updated copy of my credit report to the address above. As provided by federal law, this report should be free of charge. Additionally, I request that you notify any parties who accessed my report in the last six months of any corrections.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX : XX/XX/XXXX Date : [ XX/XX/XXXX ] To : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Entry Due to Identity Theft Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute an inaccurate and fraudulent entry on my Experian credit report. The entry in question is associated with XXXX XXXX XXXX, which is reporting a debt that is not mine and is the result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be investigated and permanently removed from my credit report. This debt is fraudulent, and I have no contractual or financial relationship with XXXX XXXX XXXX. I was never notified of this alleged debt, and I did not authorize any such account. 

In accordance with FCRA Section 605B, I am exercising my right to dispute this information and request its removal on the grounds of identity theft. I am also asserting that this entry violates the FCRA as it was reported and verified without proper validation or my consent. 

Please find enclosed : A copy of my government-issued ID A copy of a recent utility bill showing my current address A copy of my FTC Identity Theft Report ( if applicable ) or police report Please conduct a prompt and thorough investigation of this matter and provide me with written confirmation that this fraudulent account has been removed. If you find that XXXX XXXX XXXX can not provide verifiable evidence that I authorized this debt, the account must be deleted immediately in compliance with federal law. 

I expect a response within the 30-day time frame mandated by the FCRA. Please confirm receipt of this dispute and keep me informed of any updates. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CT

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-22 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: CA

Complaint narrative:
I am writing to formally demand immediate corrective action in response to your agencys failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning my recent identity theft dispute. Your handling of this matter has been grossly negligent and falls well below federally mandated standards.

Violation of Consumer Rights Under Federal Law Neglecting to Conduct an Adequate Investigation ( FCRA 1681i ( a ) ( 1 ) ) Despite being provided with my FTC Identity Theft Report and supporting evidence, your agency failed to undertake a legitimate and thorough reinvestigation. Simply overlooking credible proof does not fulfill your legal duty.

No Notification of Investigation Outcome ( FCRA 1681i ( a ) ( 6 ) ) As per the law, you are required to notify me of your findings within 30 days. To date, I have received no update, which is a clear breach of your obligations.

Refusal to Block Fraudulent Data ( FCRA 1681c-2 ) Your agency is mandated to block identity theft-related information upon receiving proper documentation. Yet, the fraudulent accounts remain, damaging my credit and violating my rights.

Reinsertion of Deleted Items Without Proper Certification ( FCRA 1681i ( a ) ( 5 ) ) It has come to my attention that previously removed accounts have been reintroduced into my credit file without the proper legal process or notice. This is a serious violation. I am aware that lawsuits have been filed against credit bureaus for this exact misconduct as recently as last year. Precedent Cases That Establish Your Liability Legal precedent confirms your agency 's accountability when you fail to uphold FCRA standards : In XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data. 

Immediate Actions Required I am demanding that your agency take the following steps without delay : Launch a comprehensive and meaningful reinvestigation into the disputed fraudulent accounts. 

Send me a complete written explanation of the investigation and your conclusions. 

Immediately and permanently delete or block all identity theft-related accounts and data. 

If this is not resolved within the timeframe required under the FCRA, I will proceed with the following actions : File official complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Initiate legal proceedings to seek compensation as allowed under FCRA 1681n and 1681o, including statutory and punitive damages as well as legal fees. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am disputing the listed account on my credit report due to a lack of validation and proof regarding the debt. The original creditor has failed to provide adequate documentation verifying this account belongs to me and that the information you are reporting is accurate. 

Account # : LVNV FUNDING LLC # XXXX As stated in Section 609 ( a ) ( 4 ) of the Fair Credit Reporting Act, in the event a consumer disputes the accuracy or completeness of information in their credit file, consumer reporting agencies are required, " to promptly provide notification of dispute to the furnisher of information ''. Therefore, I formally request that you immediately notify the information furnisher of my dispute regarding this fraudulent account. 

Additionally, pursuant to Section 611 and Section 623 of the Fair Credit Reporting Act, as a furnisher of information to consumer reporting agencies, the listed creditor has a duty to fully investigate disputes initiated by a consumer after receiving notice from the CRA. 

I further demand that the furnisher send me hard-copy documentation validating this debt. This includes, but is not limited to : The original account application Terms & conditions I agreed to Proof this account was properly assigned to collections If adequate validation is not provided by [ XX/XX/year> ], I demand this unauthorized account be completely removed from my credit report. 

You can send the response with account validation to me via email or postal mail. If you have questions or need additional information, please contact me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am the surviving spouse and trustee of a property held in trust following the death of my partner, XXXX XXXX XXXX, who was the borrower on a Truist mortgage. The home suffered significant storm damage, and XXXX XXXX issued an insurance check payable to myself and Truist. 

I submitted the required legal documents to Truistincluding a death certificate, Certification of Trust, and formal trustee letteryet Truist failed to acknowledge my legal authority and has delayed releasing the insurance funds.

Truist uses a third-party claims processor, InsuranceClaimCheck.com ( powered by XXXXXXXX XXXX XXXX ), which has further delayed the process through unnecessary documentation requests ( including an I9, which has no legal relevance ), repeated misaddressing of correspondence to the deceased borrower, and citing a vague and arbitrary {$40000.00} threshold that is not supported by law or policy.

All emergency work ( tree removal ) has been completed and documented. Despite this, Truist and its agent have withheld full payment and refused to disburse funds to the trustee.

These delays and requests are unjustified, potentially discriminatory, and appear designed to obstruct rather than facilitate legitimate insurance reimbursement.

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 2025-07-22 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: IL

Complaint narrative:
15 U.S. code 1681 a ( 4 ) lets start with consumers right to privacy! Whether this was done by me or not Ive been violated! There is a public bankruptcy that was never filed nor pursued NOR authorized by me on my report. Ive disputed this at least three times this year and theyve done absolutely nothing about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit reports from TransUnion, XXXX XXXX XXXX  show a lease account opened on XX/XX/year>, with a first payment also listed on that same date. However, the remarks on the account incorrectly state First payment never received. This is inaccurate and misleading, as there is no history of missed or late payments, and the account was just opened. I submitted a dispute through XXXX XXXX XXXX TransUnion ), but the remark has not been corrected. This false reporting may negatively impact my credit standing. I am requesting that all three credit bureausTransUnion, XXXX XXXX XXXXXXXXinvestigate and remove or correct this inaccurate remark.

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 2025-07-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TN

Complaint narrative:
My email I sent to them Dear Cash App Support, My name is XXXX XXXX, and I am writing to urgently request assistance regarding my suspended Cash App account. I have a current balance of over {$14000.00} in the account, and I rely on these funds to feed my children and pay my rent. This situation is placing me under extreme financial and emotional distress. 

I am unable to access my money, and I have not received any clear explanation for the suspension. I respectfully ask that this matter be reviewed and resolved immediately, or that I be provided with clear steps to retrieve my funds. 

Please treat this request as a priority. I can provide any verification or information needed to assist in the process. I appreciate your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX This is the email I sent to cash app The cash tag on the account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliant Capital Management LLC
State: MA

Complaint narrative:
In 2023, I was contacted by Alliant Capital XXXX, a debt collection agency based in New York, regarding an outstanding debt. Upon our initial interaction, I requested documentation verifying the debt, but I was informed that they do not provide such documentation. Since that time, I have repeatedly asked for transaction receipts, only to be told that they are not permitted to provide this information. Per their company policy, each phone call is recorded for quality assurance.

Despite these ongoing requests, I continued to receive harassing phone calls regarding missed payments. For two years, they have been withdrawing funds from my account without supplying any formal paperwork or proof of the debt.

After escalating the issue, I spoke with a manager, XXXX XXXX, who acknowledged their errors. She emailed me after two years to confirm that future payments would be canceled due to their mishandling of the situation. However, I have yet to receive this agreement in writing.

Although they claim that all phone calls are recorded, I am still waiting for confirmation of the cessation of payments and the settlement of my debt. 

Manager Information : XXXX XXXX XXXX XXXX XXXX Direct Number : XXXX Office Number : XXXX I request that the situation be rectified, as they seem to be attempting to cover up their previous errors. I would appreciate formal written confirmation of the new agreement, as stated by the manager, regarding the cancellation of further payments and the settlement of my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: VA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXXXXXX XXXX XXXX {$18.00} XXXX ; XXXXXXXX XXXX XXXX {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
So basically, city bank closed my account, they said they will send me a check with the remaining balance. btw 30-60 days, the problem is thats my food, medicine, rent money and i just have a baby 4 months old that requires expenses. 

I just called city bank today XXXX, agent said my balance in my checking account is : {$7700.00} on my checking account ending on XXXX, and also they said i have a negative balance of {$1900.00} on my savings, they said the will take the negative from my checking, now the difference is : XXXX equal {$5700.00} now I cant wait 30-60 days because of my situation, i need this money to survive i am diabetic person type 2 and also need my medicnes. Please solve this issue prior of the time frame.

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