vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-31 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: GA

Complaint narrative:
I am formally disputing the accuracy and validity of a Charge-Off account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization.

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of federal 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 non-monetary relief
Consumer complaint received 2025-10-31 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:
Dear CFPB Representative, I am submitting this complaint because my credit report contains several serious inaccuracies that have not been properly investigated or corrected by the credit reporting agencies. These errors are damaging my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ). 
Wrong Addresses ( Not Mine ) Please remove the following addresses from my credit file as they are completely inaccurate and have no connection to me : XXXX XXXX XXXX, XXXX, CA XXXX These addresses are not associated with me in any way. I have never lived or received mail at these locations. 
Inaccurate Account Reporting XXXX XXXX XXXXXXXX Account # XXXX Open Date : XX/XX/year> | High Credit : {$1400.00} | Status : Charge-Off This account is being inaccurately reported as a charge-off. I have no knowledge of this account and have never been notified or provided verification of such debt. Please conduct a thorough investigation and remove this account from my credit report if the furnisher can not provide complete validation, including signed documentation linking me to this debt. 
Requested Resolution I am asking the CFPB to investigate and ensure that : 1. All wrong addresses are permanently deleted from my credit file.

2. XXXX XXXX XXXX XXXXXXXX charge-off account is either fully verified with legal documentation or removed if unverifiable.

3. All unauthorized inquiries listed above are deleted from my credit reports across all credit bureaus.

4. The credit reporting agencies confirm compliance with FCRA accuracy and reinvestigation standards. 
Supporting Information My full name : [ Your Full Name ] Date of Birth : [ MM/DD/YYYY ] SSN ( Last XXXX ) : [ XXXX ] Current Address : [ Your Current Mailing Address ] I am submitting this complaint because my previous disputes with the credit bureaus did not result in proper investigation or correction. I am requesting CFPB oversight to ensure full compliance and protection of my consumer rights. 
Thank you for your assistance and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
My Cash App account was suddenly closed without any clear explanation. I called Cash App support to ask why my account was closed, but they told me they could not discuss it because my sponsor was not on the phone. I called again, and another representative said the account was closed due to suspicious activity but could not identify any specific transaction or reason. 

Before my sponsor was able to join the call, I submitted an appeal for the account closure. While waiting, another Cash App representative told me that if my appeal was denied, I could simply close my account and create a new one. I followed that advice and closed the account. After that, when I tried to open a new one, I received the message : This device cant be used for Cash App. Its been linked to activity that goes against our Acceptable Use Policy. 

Later, when I finally spoke to Cash App with my sponsor present, they said my account was closed due to gambling and fraud activity. However, they still could not provide any details or evidence of any specific transaction that violated policy. I have never used Cash App for gambling or fraud, and I have not been given any clear explanation or documentation for the closure or the device ban. 

I am requesting that Cash App ( Block , Inc. ) review my case, provide specific information about the alleged violation, and reconsider the device restriction so I can use Cash App again as a legitimate user.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NJ

Complaint narrative:
I am a victim of identity theft. I discovered multiple fraudulent accounts and a bankruptcy entry on my credit report that I did not authorize, open, or file. 
I submitted disputes with the credit reporting agencies months ago regarding the following : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX DEPT OF EDUCATION/XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date Reported : XX/XX/XXXX Ref Number : XXXX I provided proper identification, documentation, and in some cases, an FTC Identity Theft Report and/or police report. Despite this, the accounts and bankruptcy remain on my credit report with no proper resolution or verification. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 1681i Failure to reinvestigate and correct disputed items FCRA 1681c-2 ( 605B ) Failure to block fraudulent information related to identity theft FCRA 1681e ( b ) Failure to ensure maximum possible accuracy

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 2025-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-31 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: TX

Complaint narrative:
Subject : Failure to Investigate Unauthorized Inquiry ( CFPB Complaint # XXXX ) On XX/XX/XXXX, I spoke with XXXX from Experian Consumer Affairs regarding my pending CFPB complaint and written dispute about an unauthorized hard inquiry from XXXX XXXX XXXX XXXX 

XXXX stated that Experians last update on this matter was recorded on XX/XX/XXXX, referencing a settlement, and that Experian would not investigate this inquiry. He further stated that I must contact the creditor ( XXXX XXXX XXXX ) myself and obtain a letter from them before Experian would take any action. 

This response is incorrect and violates Experians legal obligations. Under FCRA 611 ( a ) ( 1 ) ( A ), when a consumer disputes any information on their credit report, including inquiries, Experian is required to forward the dispute to the furnisher and conduct its own reinvestigation. The law does not require the consumer to obtain written verification from the creditor before Experian investigates. 

This complaint ( # XXXX ) concerns a new, unauthorized inquiry, unrelated to any prior litigation or settlement. Experians refusal to investigate violates : FCRA 611 ( a ) ( 1 ) ( A ) Duty to reinvestigate disputed information FCRA 604 ( a ) ( 2 ) Permissible purpose requirements FCRA 607 ( b ) Duty to ensure maximum possible accuracy I request that the CFPB reopen and review this complaint due to Experians failure to comply with federal reinvestigation requirements. Attached is my written follow-up letter to Experian ( dated XX/XX/XXXX ) for reference. 

I respectfully ask that the CFPB require Experian to perform a lawful reinvestigation and provide written confirmation of deletion or verification of this unauthorized inquiry. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX | SSN ( last 4 ) : 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 2025-10-31 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXXXXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$3000.00} Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$0.00} Account name DEPT OF EDUCATIONXXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$990.00} DEPT OF EDUCATIONXXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$1400.00} DEPT OF EDUCATION/XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$2700.00} DEPT OF EDUCATION/XXXX  Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: EQUIFAX, INC.
State: MI

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year> I received a formal identity theft block letter from XXXX  under FCRA605B the block covered an account reported by service finance company LLC through XXXX XXXX and XXXX XXXX at a prior address XXXX XXXX XXXX this post identity theft contact And attempted collections activity in violation of 605B ( c ) NFDCPA805B I am requesting service finance company permanently delete and suppress. All consumer reports see communication and collection and confirm in writing to the CFPB.

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 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Valon Technologies, Inc.
State: MO

Complaint narrative:
I am submitting this formal complaint to report inaccurate and irresponsible credit reporting practices by Valon. The company has reported my mortgage account as delinquent with a reported date of XX/XX/XXXX, despite my account being paid in full and current for that month. 
This report is demonstrably false and reflects a troubling lack of care in Valons reporting process. I have provided Valon with supporting documentation, including : A screenshot from my banking institution confirming timely payment for XXXX XXXX. They responded with a recent statement from Valon that continues to display a 30-day late status, even though my payments remain current through XX/XX/XXXX, with the next payment already scheduled. 
Such inaccurate reporting is not only misleading but also damaging to consumers credit profiles and financial reputations. This type of error suggests systemic deficiencies or inadequate oversight in Valons account reporting and verification procedures. Consumers should be able to rely on mortgage servicers to report information accurately and in good faith, particularly when such data directly impacts creditworthiness and access to financial opportunities. 
This incident demonstrates a failure to maintain accurate records and ensure compliance with the standards expected under the Fair Credit Reporting Act ( FCRA ). It raises serious concerns about Valons internal quality controls and the potential for similar harm to other consumers. 
I urge your office to review Valons reporting practices and take appropriate action to ensure compliance and consumer protection. 
Sincerely, Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Team Recovery Inc.
State: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX Firstmark Services bought my student loan from XXXX XXXX. The original debt was paid in full not only transferred the debt was paid. Firstmark has harassed me and my cosigner they doubled the original loan amount with their high interest rate. I filed bankruptcy in XX/XX/XXXX and alerted them to stop trying to collect on the debt until the bankruptcy was finalized they continued to harass me and bully my cosigner. This company is predatory and fraudulent and taking advantage of XXXX and middle class americans. After my bankruptcy, I will be working with my attorney in a civil suit however I need them to stop harassing me and my cosigner until the bankruptcy is finalized and we can initiate the civil proceeding.

Company response to consumer: Closed with explanation