vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Account number XXXX This is a formal request for validation of the alleged debt associated with my name, being pursued by your agency. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ).

Please provide complete documentation to validate the debt, including but not limited to : 1. The name and address of the original creditor.

2. The total amount of the alleged debt, including an itemized breakdown showing principal, interest, fees, and any additional charges.

3. A copy of the original contract or agreement bearing my signature that created the obligation.

4. Proof that your agency is legally authorized to collect this debt, including : All chain-of-assignment documents ( from the original creditor to your agency ), Any agreements or legal documents granting you the right to collect or report this debt.

5. The date of last payment or charge-off, and proof that the alleged debt is still within the statute of limitations for legal collection in my state.

6. Your current debt collection license number and proof of authorization to operate in the State of Florida, including your registered business name and bonding documentation.

7. If any judgment has been obtained, please provide the court name, docket number, and judgment date.

8. Proof that I authorized you to report this account to any credit bureau.

This account is currently being reported to one or more credit bureaus. Under the FCRA, only verified and accurate information may be reported. If you can not fully validate the debt, you are not permitted to continue furnishing this information to any consumer reporting agency. 

Until the requested documentation is provided, you must cease all collection activity, including any communication or reporting to XXXX, XXXX, and XXXX. Continued collection efforts without proper validation constitute violations of both the FDCPA and FCRA. 

I am maintaining detailed records of all communications. Any non-compliance will be documented and may be submitted to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office for further investigation and action.

Under 15 U.S.C. 1692c ( c ), I hereby request that all contact be made in writing only. Do not contact me by phone or any other method.

You have 30 days from the date of receiving this letter to provide the full documentation requested. If you are unable to validate this debt, you are required to immediately delete this account from all consumer credit reporting agencies and provide written confirmation of the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-04-10 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:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i am writing to report a fraudulent account from capitol one opened under my name. i did not authorize this account and have no knowledge of its existence. Please investigate this matter immediately and take the necessary steps to close the fraudulent account and prevent any further unauthorized activity. I request confirmation of the account closure and any steps taken to rectify this situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: CIG FINANCIAL LLC
State: TX

Complaint narrative:
I am submitting a formal complaint and dispute regarding an account being reported by AutoNation Finance/CIG Financial ( Account # XXXX ) on all three of my credit reportsXXXX, XXXX, and XXXX. This account is being reported inaccurately, unlawfully, and in violation of several federal consumer protection laws. 

I have disputed this account directly with the credit bureaus, providing an identity theft report, my drivers license, and utility bill. Despite this, the bureaus verified the account without providing any documented evidence showing I opened or am legally responsible for the account. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), including 611 and 623, which requires proper investigation and prohibits the reporting of information that is inaccurate or unverifiable. 

This account is also listed as a charge-off, closed as of 2019, yet the balance continues to increase each monthoriginally {$8800.00}, now {$10000.00}. Under the FDCPA and FCRA, creditors can not legally inflate balances post charge-off without a written agreement. I have formally requested verification from AutoNation/CIG Financial and asked for documentation to justify the balance increase, proof of legal authority to collect, and a copy of the signed agreement. None has been provided. 

Additionally, there is inaccurate payment reporting for years in which no activity should be recorded. This account is clearly stale and legally uncollectible under FCRA timelines. Reporting new derogatory activity for a closed charge-off account re-ages the debt, which is a deceptive and illegal practice. The CFPB has issued guidance that this type of re-aging violates federal law. 

I believe this account is the result of identity theft, misreporting, or both. AutoNation Finance has not provided a signed contract bearing my signature or any legally sufficient validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: OH

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your investigation. I would like this account to be immediately re-investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom provided information that allegedly verified the account, so that I may follow up. Please forward me an updated credit report after you have completed your investigation and corrections. Your cooperation and prompt attention are greatly appreciated. XXXXXXXX XXXX XXXX installment account ( 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 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: PA

Complaint narrative:
On XXXX XXXX XX/XX/XXXX, someone hacked my cash app account multiple times and in the end resulted in cash, app letting them do a withdrawal to a unknown account via a debit card withdrawal.That I had no knowledge of it was a fraudulent account.I contacted the other entity and found out that, in fact, it was set up moderately, they canceled it marked it fraud and cash up still will not do nothingp

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: VA

Complaint narrative:
I am formally disputing inaccurate information on my credit report under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ). I demand that this dispute be investigated in compliance with federal law. 
Your history of failing to comply with dispute resolution laws is well-documented : Equifax ( XXXX ) Fined {$15.00} million for ignoring consumer disputes and reinstating incorrect information. 
Experian ( XXXX ) Sued for manipulating dispute outcomes and failing to correct errors. 
TransUnion ( XXXX ) Lost a {$60.00} million jury verdict for false security watchlist labeling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am formally disputing inaccurate information on my credit report under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ). I demand that this dispute be investigated in compliance with federal law. 
Your history of failing to comply with dispute resolution laws is well-documented : Equifax ( XXXX ) Fined {$15.00} million for ignoring consumer disputes and reinstating incorrect information. 
Experian ( XXXX ) Sued for manipulating dispute outcomes and failing to correct errors. 
TransUnion ( XXXX ) Lost a {$60.00} million jury verdict for false security watchlist labeling.

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 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: MS

Complaint narrative:
Loan was taken out couldnt continue to make payments but its a charge off in my account {$5000.00} that was paid but still on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX balance {$940.00} date opened XX/XX/XXXX XXXXXXXX XXXX  date opened XX/XX/XXXX balance {$2100.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$480.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} **Inquiries** XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) 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 2025-04-10 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: TX

Complaint narrative:
I am submitting this complaint as a second formal dispute regarding multiple unauthorized hard inquiries that continue to appear on my credit report maintained by TransUnion. 

I previously submitted a dispute directly to TransUnion, identifying the following inquiries as unauthorized and lacking permissible purpose under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX I contacted the companies listed above, and each confirmed that they have no record of my authorization, no signed application, and no permissible purpose under 15 U.S.C. 1681b to access my credit report.

In my original dispute to TransUnion, I formally requested : A manual reinvestigation under 15 U.S.C. 1681i, Copies of any signed documentation per 15 U.S.C. 1681g, and Removal of any unverifiable inquiries.

TransUnion responded with a generic outcome, likely using the EOSCAR system, without providing any documentation or verifying the inquiries through original source evidence. As noted by the CFPB Supervisory Highlights ( XXXX XXXX ), EOSCAR has limitations and often fails to transmit dispute documentation or initiate a meaningful investigation.

This continued reporting of unverified, unauthorized inquiries violates multiple FCRA provisions and is now subject to civil liability under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ).

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
All this Inquiry 's are done fraudulently please investigate and remove all inquiry 's listed below. 
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 explanation
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
I am submitting a formal complaint and dispute regarding an account being reported by XXXX XXXX XXXX XXXX Account # XXXX ) on all three of my credit reportsXXXX, XXXX, and Equifax. This account is being reported inaccurately, unlawfully, and in violation of several federal consumer protection laws. 

I have disputed this account directly with the credit bureaus, providing an identity theft report, my drivers license, and utility bill. Despite this, the bureaus verified the account without providing any documented evidence showing I opened or am legally responsible for the account. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), including 611 and 623, which requires proper investigation and prohibits the reporting of information that is inaccurate or unverifiable. 

This account is also listed as a charge-off, closed as of 2019, yet the balance continues to increase each monthoriginally {$8800.00}, now {$10000.00}. Under the FDCPA and FCRA, creditors can not legally inflate balances post charge-off without a written agreement. I have formally requested verification from XXXX XXXX and asked for documentation to justify the balance increase, proof of legal authority to collect, and a copy of the signed agreement. None has been provided. 

Additionally, there is inaccurate payment reporting for years in which no activity should be recorded. This account is clearly stale and legally uncollectible under FCRA timelines. Reporting new derogatory activity for a closed charge-off account re-ages the debt, which is a deceptive and illegal practice. The CFPB has issued guidance that this type of re-aging violates federal law. 

I believe this account is the result of identity theft, misreporting, or both. XXXX XXXX has not provided a signed contract bearing my signature or any legally sufficient validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
I am submitting a formal complaint and dispute regarding an account being reported by XXXX XXXX XXXX XXXX Account # XXXX ) on all three of my credit reportsXXXX, TransUnion, and XXXX. This account is being reported inaccurately, unlawfully, and in violation of several federal consumer protection laws. 

I have disputed this account directly with the credit bureaus, providing an identity theft report, my drivers license, and utility bill. Despite this, the bureaus verified the account without providing any documented evidence showing I opened or am legally responsible for the account. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), including 611 and 623, which requires proper investigation and prohibits the reporting of information that is inaccurate or unverifiable. 

This account is also listed as a charge-off, closed as of 2019, yet the balance continues to increase each monthoriginally {$8800.00}, now {$10000.00}. Under the FDCPA and FCRA, creditors can not legally inflate balances post charge-off without a written agreement. I have formally requested verification from XXXX XXXX and asked for documentation to justify the balance increase, proof of legal authority to collect, and a copy of the signed agreement. None has been provided. 

Additionally, there is inaccurate payment reporting for years in which no activity should be recorded. This account is clearly stale and legally uncollectible under FCRA timelines. Reporting new derogatory activity for a closed charge-off account re-ages the debt, which is a deceptive and illegal practice. The CFPB has issued guidance that this type of re-aging violates federal law. 

I believe this account is the result of identity theft, misreporting, or both. XXXX XXXX has not provided a signed contract bearing my signature or any legally sufficient validation.

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