vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: Self Financial Inc.
State: PA

Complaint narrative:
m writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : XXXX. XXXX  Account Number : XXXX XXXX. XXXX  Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: Kikoff Inc.
State: PA

Complaint narrative:
m writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app has stolen money from me. I made numerous companies about my account. I was a victim of theft by my ex who breached all my banking accounts. He took my phone and got access to my account and stole over XXXX from me. {$1800.00} was from cash app. I made a claim to bank and cash app decided to make my account negative and then they close my account and it had {$140.00} in my cash app savings. They keep saying that I allowed the transactions I didn't. I provided police reports as well. They never gave me provisional credit to even investigate anything. They just decided to give me the run around and then close my account without giving me money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-29 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: WA

Complaint narrative:
Dear CFPB, I am submitting this formal complaint due to the continued presence of inaccurate and unverifiable information on my credit report. These inaccuracies have caused significant damage to my credit reputation, financial opportunities, and emotional distress. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), but the reporting agencies and furnishers have failed to conduct a reasonable reinvestigation or provide verified proof of accuracy. I am requesting your immediate intervention to investigate these matters and ensure compliance with federal laws. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry was unauthorized and never approved by me. Under FCRA Section 604 ( a ) ( 2 ) and 604 ( f ), a consumer report may only be accessed with written consent or a permissible purpose. No such consent was provided. Retaining this inquiry without authorization constitutes a violation of my privacy rights under federal law, and it must be deleted immediately from my credit file. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry was also done without my consent or knowledge. Under FCRA 604 ( a ) ( 3 ), only inquiries with a permissible purpose are allowed, and no credit application or transaction occurred with this company. Keeping this on my report is a violation of my rights under FCRA 605B and Section 611 ( a ), as it represents unverified and unauthorized access to my file. 

These repeated errors demonstrate negligence and failure of data furnishers and bureaus to uphold the standard of maximum accuracy as required by law. I request that the CFPB conduct a full-scale investigation into these violations, compel immediate deletion of all inaccurate and unauthorized entries, and ensure compliance with FCRA and related federal protections. I am seeking complete correction of my credit report and appropriate enforcement actions against the responsible entities.

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 2025-10-29 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: MI

Complaint narrative:
I am submitting to formally dispute the inaccurate and obsolete information currently being reported on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 605 ( a ) ( 15 U.S.C. 1681c ) Obsolete Information, 623 ( a ) ( 5 ) Obligation to Report Accurate Date of First Delinquency ( DOFD ), and 604 ( a ) ( 3 ) Permissible Purpose. The following accounts and inquiries are causing harm to my credit reputation by reflecting outdated or unverifiable information. Please conduct a full investigation into each item listed and remove or correct any entry found to be inaccurate or unverifiable. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing in response to a collection notice or communication I received from your company regarding the debt referenced above. This letter is a formal request for validation of the alleged debt, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FDCPA, I have the right to request verification of this debt before any further collection activity may continue. Therefore, please provide the following information : 1. The name of the original creditor and the full account number associated with the alleged debt.

2. The amount of the debt, including an itemized breakdown of principal, interest, fees, and any other charges.

3. Proof that your company is authorized to collect this debt, including any assignment or transfer of the account.

4. A copy of the original signed contract or agreement that created this obligation. 
5. Documentation showing that your company is licensed to collect debts in my state, if applicable.

Until this information is provided, you are required to cease all collection activities, including reporting this debt to any credit bureaus, as outlined under 15 U.S.C. 1692g ( b ).

Please note that I am keeping detailed records of all communications with your company regarding this matter. If you fail to provide proper validation within a reasonable timeframe, any continued collection attempts will be considered a violation of the FDCPA.

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 2025-10-29 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: TX

Complaint narrative:
I am writing in response to a collection notice or communication I received from your company regarding the debt referenced above. This letter is a formal request for validation of the alleged debt, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FDCPA, I have the right to request verification of this debt before any further collection activity may continue. Therefore, please provide the following information : 1. The name of the original creditor and the full account number associated with the alleged debt.

2. The amount of the debt, including an itemized breakdown of principal, interest, fees, and any other charges.

3. Proof that your company is authorized to collect this debt, including any assignment or transfer of the account.

4. A copy of the original signed contract or agreement that created this obligation. 
5. Documentation showing that your company is licensed to collect debts in my state, if applicable.

Until this information is provided, you are required to cease all collection activities, including reporting this debt to any credit bureaus, as outlined under 15 U.S.C. 1692g ( b ).

Please note that I am keeping detailed records of all communications with your company regarding this matter. If you fail to provide proper validation within a reasonable timeframe, any continued collection attempts will be considered a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and relevant sections of 15 U.S.C. for willful and negligent violations by the following furnishers and credit reporting agencies.

Upon reviewing my credit report, I discovered multiple inaccuracies and unlawful derogatory entries : * * 1. XXXX XXXX XXXX - Reporting Charge-off and Canceled by Credit Grantor simultaneously, which is factually inconsistent.

- Reporting {$0.00} credit limit but showing an unpaid balance violation of FCRA 1681e ( b ).

- No verification provided upon request FDCPA 809 ( b ). 

These inaccuracies are damaging my credit profile and financial opportunities. I request the CFPB to : 1. Investigate these inaccuracies.

2. Order the removal of all invalid derogatory entries.

3. Award compensation for violations under FCRA 616 and FDCPA 813.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: IL

Complaint narrative:
I am submitting this follow-up regarding my previous complaints about inaccurate, unverifiable, and unauthorized items reported on my credit report. Despite prior submissions and disputes, the following accounts and inquiry remain on my credit file, causing continued harm to my creditworthiness and financial standing : Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7100.00} * These accounts are being reported without proper verification or documentation. No Form 1099-C ( Cancellation of Debt ) has been provided for debts over {$600.00}, and reporting a charged-off account with a zero balance is misleading. These practices violate FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and FCRA 605B [ 15 U.S.C. 1681c-2 ], which require that unverifiable information be permanently removed. 
Collection Accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX Balance Owed : {$130.00} ) XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX Balance Owed : {$3200.00} ) XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$830.00} ) * These collection accounts have not been validated in writing as required under FDCPA 809 ( 15 U.S.C. 1692g ). Reporting these accounts without verification also violates FCPA 807 ( 15 U.S.C. 1692e ) and FCRA 605B [ 15 U.S.C. 1681c-2 ]. Since no lawful proof of debt has been provided, these accounts must be permanently deleted. 
Unauthorized Inquiry : XXXX XXXX XX/XX/year> This inquiry was conducted without my authorization and violates FCRA 604 ( f ) [ 15 U.S.C. 1681b ( f ) ] and FCRA 605B [ 15 U.S.C. 1681c-2 ], which require permanent removal of any unauthorized inquiries.

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 2025-10-29 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


I am reporting Transunions failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding my identity theft dispute. On XX/XX/year>, I notified Transunion about XXXX fraudulent account XXXX XXXX XXXX ( XXXX ) that was opened without my authorization. Despite my valid notice and documentation, Transunion has not blocked or removed this account as required under 15 U.S.C. 1681c-2. Transunions failure to act within the mandated timeframe constitutes a violation of federal law and has caused harm to my credit standing.

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 2025-10-29 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: VA

Complaint narrative:
My question is to the CFPB now... are you even monitoring the complaints with this company or just passing them off now .. do you know the company turned around and did the very thing I complained about in the very last still open complaint. They filed a dispute against my bankruptcy. Please tell me where in my last complaint did I file a dispute against my bankruptcy. So the whole United States just doing anything now. Nomore rules no more protection, I file a complaint against the company and you just send the complaint to the company with zero investigation not even caring how they handle it. This is what the world has come to just no law and order. Fine. When the system stops working ill go to the internet but this has to stop. Its sad the credit system so broken you the company put in charge of monitoring them done lost control. Smh unbelievable

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 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: VA

Complaint narrative:
My cashapp account was hacked on XX/XX/XXXX I've got proof I have contacted them over and over by phone email and chat and they run me in circles before telling me my accounts been closed and then telling me I can remove the funds in that account that I can not log into because it was hacked. They insist that if I can verify my identity I can regain access but will not allow me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: AL

Complaint narrative:
On XX/XX/XXXX, I submitted a check for {$100.00}. The available balance on my account showed {$510.00}. I then withdrew {$410.00} I was also expecting a charge from a check printing company of {$96.00}. This alone was why I submitted an extra {$100.00}. The bank decided to put a hold on my checks and then charge me an overdraft fee of {$36.00}. This is unacceptable XXXX where in the terms does it say they can put fund on hold and then charge me overdraft fees for funds they refuse to put into my account. My balance even shows {$510.00}. Tha balance in the attached clearly shows there are enough funds. The banks is making nonsense up.

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 2025-10-29 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Troy Capital, LLC
State: PA

Complaint narrative:
According to 15 USC 1681 c-2 and 1681s-2 you have broken the law by reporting this information on my report knowing its inaccurate. Remove this fraudulent information from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, PA XXXX Date : XXXX To : XXXX XXXX XXXX and XXXX Subject : Formal Request for Deletion of Inaccurate Tradeline Re : XXXX XXXX XXXX XXXX Troy Capital LLC Account Number : XXXX XXXX XXXX XXXX XXXX CFPB Case No. : XXXX To Whom It May Concern : I am writing to formally dispute inaccurate and outdated information being reported on my credit file. The tradeline associated with XXXX XXXX XXXX, Account No. XXXX XXXX XXXX XXXX XXXXXXXX, and/or Troy Capital LLC , is being reported incorrectly and should be deleted in its entirety pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
On XX/XX/XXXX, XXXX XXXX XXXX confirmed in writing ( via CFPB Case No. 
XXXX ) that the above-referenced account was sold to Troy Capital , LLC XXXX XX/XX/XXXX, and that XXXX has ceased all collection activity and no longer owns the account. This clearly establishes that XXXX has no permissible purpose to continue reporting any balance or derogatory status related to this account. 
Additionally, any duplicate or continued reporting of this same account by both XXXX and Troy Capital constitutes inaccurate and misleading reporting in violation of FCRA 1681s-2 ( a ) and 1681i ( a ). I therefore demand immediate investigation and permanent deletion of this tradeline from my credit report with your bureau. 
Enclosed are copies of : - The CFPB response letter from XXXX XXXX XXXX dated XX/XX/XXXX. 
- Proof of my identity and address. 
Please provide written confirmation once this tradeline has been deleted. 
Thank you for your prompt attention to this matter. 
Respectfully, __________________________ XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, PA XXXX Enclosures : Copy of CFPB response letter, Proof of ID ( drivers license or utility bill )

Company response to consumer: Closed with explanation