vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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: OH

Complaint narrative:
incident of identity theft that has compromised my personal information. As a result, I am experiencing significant financial and XXXX XXXX due to Unauthorized activities conducted in my name. Despite taken steps to report this matter to the credit Bureaus Experian, Equifax and TransUnion, requesting that they place Fraud alerts and investigate the fraudulent accounts, i have not received adequate resolution. my credit report still reflects accounts that do not belong to me and i continue to face collection call and damages to my creditworthiness

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 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OK

Complaint narrative:
In XXXX of 2023, Block Inc ( cashapp ) told me I would be refunded {$110.00} from a scam over a phone call, the company never refunded me. When I asked for clarification on why, they never resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian is reporting adverse collections where the original bad debt is more than XXXX XXXX XXXX. I have disputed this information with them and they have not provided proof of their investigation or any evidence to support their reporting. The dispute was placed over 90 days ago and they have not addressed this issue or provided any documentation for these accounts. The accounts in question are : Credence Resource Management Account number : XXXX Balance : {$970.00} XXXX XXXX XXXX Account number : XXXX Balance : {$1600.00} Please note these are not original creditors. They are debt buyers. I have also filed disputes with them informing them they are reporting bad debt in excess of the XXXX  year statute and that i will now be pursuing CFPB complaints as well as legal action in these matters

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 2025-04-12 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights.

Under 15 USC 1681 section 602. States I have the right to privacy.

Under 15 USC 1681 section 604A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: CA

Complaint narrative:
I am writing to formally dispute the reported late payments on my credit report related to the accounts listed below. These late payment entries are inaccurate, and I am requesting that they be corrected to reflect a status of Paid as Agreed, in accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1666b ( Billing Errors ), which protects consumers against inaccurate reporting due to billing errors. 
Account Information : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Reported Late Payment Date : 30 days late in XX/XX/XXXX Creditor : XXXX XXXX. 
Account Number : XXXX Reported Late Payment Date : 30 days late in XX/XX/XXXX Dispute Basis : Violation of 15 U.S.C. 1666b Billing Errors and Dispute Resolution According to 15 U.S.C. 1666b, creditors are required to investigate and resolve billing errors, which include inaccurate reports of late payments. The reported delinquencies on these accounts constitute billing errors because the payments were made on time and in full. Therefore, the reporting of these payments as late is both inaccurate and misleading, and must be corrected under the law

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 2025-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ

Complaint narrative:
I received the initial debt collection notice on XX/XX/XXXX in the amount of {$280.00}. I responded on XX/XX/XXXX requesting a validation of the debt as per my right pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g. In this validation request I asked for the following information to verify I owe this debt : -Agreement with the creditor that authorizes you to collect on this alleged debt ; -The agreement bearing my signature stating that I have agreed to assume the debt ; -Valid copies of the debt agreement stating the amount of the debt and interest charges ; -Proof that the Statute of Limitations has not expired ; -Complete payment history on this account along with an accounting of all additional charges being assessed ; -Proof that you are licensed to collect in my state ; and -Your license numbers and Registered Agent.

I sent this validation request via USPS Certified Mail. In this letter I also requested that, if they failed to respond to this validation request within 30 days from the date of their receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Moreover, all future attempts to collect on the said debt must be ceased. On XX/XX/XXXX I received a letter response where the only information provided to me was " account details '', none of the above requested information was included. On XX/XX/XXXX I received yet another Balance Due letter requesting the {$280.00} be paid, far past the deadline when I requested the validation and they refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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 dispute the reported late payments on my credit report related to the accounts listed below. These late payment entries are inaccurate, and I am requesting that they be corrected to reflect a status of Paid as Agreed, in accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1666b ( Billing Errors ), which protects consumers against inaccurate reporting due to billing errors. 
Account Information : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Reported Late Payment Date : 30 days late in XX/XX/XXXX Creditor : XXXX XXXX. 
Account Number : XXXX Reported Late Payment Date : 30 days late in XX/XX/XXXX Dispute Basis : Violation of 15 U.S.C. 1666b Billing Errors and Dispute Resolution According to 15 U.S.C. 1666b, creditors are required to investigate and resolve billing errors, which include inaccurate reports of late payments. The reported delinquencies on these accounts constitute billing errors because the payments were made on time and in full. Therefore, the reporting of these payments as late is both inaccurate and misleading, and must be corrected under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In XXXX & XX/XX/2025, I submitted formal disputes to all three credit bureaus regarding multiple inaccurate or unverifiable accounts listed on my credit report. These accounts included collections and derogatory items that I believed to be inaccurate or improperly verified under the Fair Credit Reporting Act ( FCRA ). 

TransUnion and XXXX deleted several of the accounts after failing to verify them, including accounts from : XXXX XXXX XXXX XXXX XXXX XXXX debt collection agencies However, Experian continues to report these same accounts, claiming they were verifiedeven though the same furnishers failed to verify them with the other bureaus. I submitted multiple written disputes, mailed supporting documentation, and requested the Method of Verification under Section 611 of the FCRA. I received no adequate proof or description of the verification process from Experian. 

I also disputed additional accounts with all three bureausincluding accounts from XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXXwhich remain on my report without sufficient verification or response. In multiple cases, I included : Proof that the same accounts were deleted from other reports A formal request for a full reinvestigation Requests for a breakdown of the verification method used I have not received a valid response, method of verification, or confirmation of any investigation results beyond generic verified notices. 

The continued reporting of these accounts after failed verification and lack of transparency is a direct violation of the FCRA, and Im requesting that these accounts be immediately deleted or that proper verification proof be provided in writing.

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 2025-04-12 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: NJ

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 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 seven 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 2025-04-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened .These fraudulent accounts consist of collection account opened at XXXX  XXXX on XX/XX/year> under account XXXX, an collection account opened at XXXX on XX/XX/year> under account XXXX, an collection account opened at XXXX on XXXX XXXX under account XXXX, an collection account opened at XXXX XXXX XXXX on XXXX XXXX under account XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened .These fraudulent accounts consist of collection account opened at XXXX  XXXX on XX/XX/year> under account XXXX, an collection account opened at XXXX on XX/XX/year> under account XXXX, an collection account opened at XXXX on XXXX XXXX under account XXXX, an collection account opened at XXXX XXXX XXXX on XXXX XXXX under account XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I am requesting the immediate and permanent removal of this account from my credit report. The company has failed to provide valid documentation, including a signed agreement or any proof that I am contractually responsible for this debt. 

This account was previously disputed, closed, and marked as resolved multiple times, yet it was suddenly reopened on XX/XX/year>2025, with no legitimate reason, no consumer notification, and no new supporting documentation which resulted in a XXXX drop in my credit score and has caused unnecessary financial harm. 

Under the FCRA ( Fair Credit Reporting Act ) and FDCPA ( Fair Debt Collection Practices Act ), it is a legal requirement to validate any account prior to reporting it. Reopening a closed, disputed account without proof is a clear violation of these laws and my consumer rights. 

I am requesting that this account be deleted entirely from all credit reports across all bureaus and that XXXX XXXX XXXX cease all further collection attempts immediately. Anything less would be enabling continued unlawful reporting and damage to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I attempted to open a banking account with Capital One. As part of the process, they requested a photo of my ID, which I provided by uploading it. The system confirmed my submission was successful. However, when I spoke with a representative on the phone, they informed me they couldn't accept my ID. 

During an earlier call, I didn't have my account number available. On XX/XX/XXXX, I finally received my account number and called again, but they still informed me that I can not close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
After speaking with IQ DATA, I noticed that the alleged account had been deleted from my credit report and added again with different data than the first account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts on it. Please remove these accounts from my report. They are hurting my ability to obtain 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 explanation
Consumer complaint received 2025-04-12 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: NY

Complaint narrative:
I am currently going through a dispute process with Transunion, I've been mailing my disputes and also making compliants to the CFPB. Transunion has been notifying me of the investigation results through the CFPB and states that in 7 business days i will get the disputes through mail. i have not gotten the investigation results through mail, So i am requesting that Transunion to send me my investigation results from the first dispute from XX/XX/XXXX to the third dispute from XX/XX/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 2025-04-12 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:
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 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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: IL

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: SD

Complaint narrative:
Subject : Formal Request for Reinvestigation Violation of the Fair Credit Reporting Act To the CFPB : I am writing to formally submit a second request for reinvestigation concerning the account listed below, which continues to appear on my credit report despite my prior dispute. The inaccuracies in this account are causing significant harm to my credit score : Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX The continued reporting of this inaccurate information is a direct violation of the Fair Credit Reporting Act ( FCRA ), including : Title VI, Section 611, Subsections ( a ) through ( d ) ( 15 U.S. Code 1681i ), which mandates that credit reporting agencies must conduct a reasonable and complete reinvestigation when a consumer disputes information. 
15 U.S. Code 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. 
Failure to remove or correct inaccurate information after a valid dispute also constitutes non-compliance under the FCRA. 
Therefore, I am demanding an immediate and thorough reinvestigation. I also request that : 1. You provide in writing the full name, title, and business address of each individual or organization with whom the disputed information was verified. 
2. I receive an updated copy of my credit report once the reinvestigation is completed. 
3. The disputed account be promptly deleted from my credit file if it can not be fully verified with valid and documented evidence. 
This matter is severely affecting my ability to obtain fair credit and is a clear obstruction of my rights as a consumer. 
I expect a formal response and immediate corrective action in accordance with the FCRA.

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