vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX requested debt validation with no response then was able to call and didn't get proof so i mailed in cease and desist letter in which i still got calls. 

In addition, I draw your attention to the recent case XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), which directly addresses the obligation of creditors and debt collectors under the FCRA. In this case, the court ruled that when a debt collector reports information that can not be properly verified or substantiated, they are in violation of the FCRA and liable for damage caused to the consumer

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 2025-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>. I was scammed out of {$800.00} by a young lady. I'm an elderly gentlemen and this young lady prayed on me for months by constantly harassing me for money stating she didn't have money for her children or diapers etc. she harassed me the whole month of XXXX stating she needed money for rent or her and her children would be put out in the cold. She kept messaging me or my wife and even called. Stated it would be paid back. At times crying. I felt threatened by her constant contacts. She had me send her the money over cash App in XXXX payments XXXX for {$300.00} and XXXX for {$200.00}. I instantly contacted cash app and disputed the charges and reported it as scam/fraud. XXXX XXXX did a partial refund for XXXX of the {$300.00} refunded {$250.00} and stated it was fraud. The other XXXX charges they stated wasn't fraud. These charges occurred rred within minutes of each other. I again contacted them and was told to re-dispute the charges which they never investigated the XXXX denied charges just sent an email with the denial letter again. I have tried contacting numerous times and get the same run around. My cash app ID is XXXX XXXXXXXX. The email is XXXX. I need help with this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint due to inaccurate and unverified late payments being reported on my credit file for the account XX/XX/XXXXXXXX and XX/XX/XXXXXXXX XXXX. These late payments were never communicated to me nor verified with any supporting documentation. I have never been late on this account. No evidence has been provided to justify these derogatory remarks, and I have already submitted a formal dispute on January 218, 2025, which is attached to this complaint and clearly dated and time-stamped. Furthermore, your agency has violated several provisions of the Fair Credit Reporting Act : 15 U.S.C. 1681i ( 6 ) : Failure to provide reinvestigation results within the required timeframe. 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy across all consumer reporting. 15 U.S.C. 1681b ( e ) ( 6 ) : Failure to ensure uniform reporting standards across CRAs.

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 2025-04-07 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:
Experian I am filing this FTC Identity Theft Affidavit to report fraudulent fraudulent items appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. Fraudulent Auto Loan Account : XXXX XXXX  ( Account No : XXXX ) and I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports, as are my rights under the FCRA and FDCPA laws. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. The fraudulent items I have found are : Fraudulent Auto Loan Account : XXXX XXXX  ( Account No : XXXX ). I've attached a list of the negative items in question as well as a copy of the consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned fraudulent items as reported. The aforementioned fraudulent items appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned fraudulent items are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit fraudulent items are the result of identity theft and fraud. And this request is not being made in error.

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 2025-04-07 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am sending this complaint to EQUIFAX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

XXXX XXXX XXXX Balance Owed : {$130.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$170.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$13000.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-07 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-07 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I requested validation of the accounts and proof of verification from the creditors and the credit bureaus. However, they have failed to respond with verification of the accounts within the 30-day timeframe required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I requested validation of the accounts and proof of verification from the creditors and the credit bureaus. However, they have failed to respond with verification of the accounts within the 30-day timeframe required by 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 2025-04-07 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: CA

Complaint narrative:
I am disputing a collection account reported by XXXX  that is connected to an address I have never lived at. This is inaccurate personal information, and I have provided proof of my actual addresses in my XXXX  profile. I submitted a dispute with XXXX  directly and did not receive a resolution. This is negatively impacting my XXXX XXXX and ability to obtain credit. I am requesting that XXXX  immediately investigate and delete the collection account and all data associated with the inaccurate address from my report. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), and I request the XXXX help in holding Experian accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
Transunion and XXXX Did not do their investigation in this Matter. Of course XXXX XXXX is going to say its mine when I am saying that it is NOT!!! XXXX has done the work and remove the fraudulent account off of my credit. They keep saying that the company has confirmed it was mine. Both XXXX XXXX and TransUnion and XXXX have not showed me why they insist it is mine. This is a identity theft and this is NOT My account!!

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 2025-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am being charged {$1000.00} for a credit card used in XXXX. I have NOT used the card since XX/XX/year>. That card expired. I told them It is fraud and they closed the account. However, I am still expected to pay XXXX I REFUSE to pay. I have not heard anything from them since the last letters from XXXX regarding the issue. No updates, nothing and I am worried. The credit card is from BestBuy/Citibank .

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AFNI INC.
State: NJ

Complaint narrative:
I signed up for XXXX XXXX home internet based on a promotional offer stating I would pay {$0.00} for the first XXXX months and {$20.00} per month after that. This was confirmed in writing via text messages from a XXXX sales representative and reiterated by multiple agents over the phone before I signed up. 

Despite these assurances, I was billed immediately. I contacted XXXX several times, and I was told the issue would be corrected each time. Instead, XXXX sent the bill to a collections agency ( Afni ), without notifying me, claiming it was their financial resolution department. This has affected my credit and caused emotional and financial stress. 

I have screenshots and documentation proving the sales reps claims about the promotion and my attempts to resolve the issue through XXXX directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-04-07 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-04-07 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
Date : XX/XX/year> -- - Subject : 609 Identity Theft Dispute Request to Investigate, Block, and Delete Inaccurate Accounts To Whom It May Concern, I am a victim of identity theft and am writing to dispute and request the immediate investigation, blocking, and deletion of the inaccurate and fraudulent information listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), particularly Sections 609, 611, 623, and 605B, I am exercising my rights to dispute, block, and have inaccurate information removed from my report that I did not authorize. 

This inaccurate reporting has caused significant financial hardship on me and my family and has interfered with important financial goals, including my attempt to refinance my vehicle. 


-- - The following accounts were NOT authorized by me and should be investigated, blocked, and permanently deleted from my credit report : XXXX. XXXX ( XXXX XXXX  XXXX Account # : XXXX Status : Closed Late 60 Days Past Due : {$160.00} Balance : {$1700.00} Last Reported : XX/XX/year> This account shows inaccurate late payments, was not authorized by me, and must be removed. 


XXXX. XXXX XXXX/ XXXX  XXXX Account # : XXXX Status : Collection/Charge-off Balance : {$770.00} Last Reported : XX/XX/year> First payment was never made because this account was not initiated by me. 


XXXX. XXXX XXXX  ( Chase ) Account # : XXXX Status : Closed Balance : {$8700.00} Last Reported : XX/XX/year> Though this account is reported as current and closed, it was not authorized and should be removed to avoid further impact.

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