vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file.

I am demanding an immediate reinvestigation and deletion of the following account from my credit file : Disputed Account Information : ( List Account Names & Numbers ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEGAL GROUNDS FOR REMOVAL : Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days.

I am exercising this right and demanding strict compliance. Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : can not be verified must be deleted from the file of the consumer.

Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law. 
Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately.

YOU ARE HEREBY PUT ON NOTICE : You have 30 days from the receipt of this letter to complete a lawful investigation.

If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted. 
Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
I am also prepared to pursue civil litigation under 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed. 
I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without 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 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
COMENITY CAPITAL BANK / XXXX I requested debt validation from Comenity Capital Bank for a charge-off account that appears to have been sold or transferred. I asked for the original agreement and payment details but have not received anything. They continue to report this item without validating the debt. This is in violation of the FCRA and FDCPA, and I request immediate removal of the account from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: NC

Complaint narrative:
Complaint Description : I am filing this complaint regarding a credit card account that is being inaccurately reported on my credit file by TransUnion. The account contains multiple errors, including inaccurate dates ( opening/closing ), incorrect balances, and payment history issues. Due to these inaccuracies, I have requested the removal of this account from all credit reporting agencies. 

Both XXXX XXXX XXXX  have reviewed the same account, acknowledged the inaccuracies, and have removed it from my credit reports. However, TransUnion continues to report this account, despite having been provided with the same information and documentation. 

I have followed the proper dispute process with TransUnion and provided sufficient evidence to support the removal of this inaccurate account. Nonetheless, TransUnion has failed to take appropriate action. 

I am requesting the CFPB to investigate this matter, as the continued reporting of incorrect information by TransUnion is a violation of the Fair Credit Reporting Act ( FCRA ) and is causing unjust harm to my credit standing. 

I respectfully request the following : The immediate removal of the inaccurate account from my TransUnion credit report. 

A written confirmation of the deletion. 

Assurance that steps will be taken to prevent this kind of reporting error in the future. 

I am attaching supporting documents, including proof that XXXX XXXX XXXX have removed the account, and records of my communication with TransUnion. 

Thank you for your time and assistance.

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 2025-06-10 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: MD

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

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 2025-06-11 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: FL

Complaint narrative:
XXXX XXXX Account number XXXX Account type Secured Card Status Account charged off. {$170.00} written off. {$170.00} past due as of XXXX 2025. 
Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Phone number ( XXXX ) XXXX How can there be a charge off on a secured card? Please provide an explanation and promptly remove this ridiculous account from all XXXX credit bureaus.

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 2025-06-10 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: MA

Complaint narrative:
My credit report reflects late payment entries that I believe to be inaccurate. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I kindly request that these entries undergo verification. Should they remain unverified, I ask that they be promptly corrected or 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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My credit report reflects late payment entries that I believe to be inaccurate. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I kindly request that these entries undergo verification. Should they remain unverified, I ask that they be promptly corrected or 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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MRS BPO, LLC
State: CA

Complaint narrative:
XX/XX/year> : Contacted my father via SMS & phone call regarding a collections account. Hes not associated with this account at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
NCB MANAGEMENT SERVICE has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so. Not only have they failed to conduct a proper investigation. They have also lied about who actually owns the debt. See these debts have been securitized by XXXXXXXX XXXX XXXX XXXX  and were sold to a trust for a pool of investors. Although XXXXXXXX XXXX XXXX XXXX is acting as a service officer they illegally sold the debt to NCB MANAGEMENT SERVICE I demand to see the chain of assignment and purchase agreement to see who really sold the debt to NCB MANAGEMENT SERVICE If NCB MANAGEMENT SERVICE does not legally own the debt then this is a violation of 15 usc 1692e.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
account is wrong and with capital one bank and its messing up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: Experian Information Solutions Inc.
State: NC

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 605B 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 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 filing this FTC Identity Theft Affidavit to report three fraudulent student loan accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a student loan opened at XXXX on XX/XX/XXXX under the account number XXXX, a student loan opened at Dept Of Ed on XX/XX/XXXX under the account number XXXX, and a student loan opened at Dept Of Ed on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This letter serves as my FOURTH FORMAL NOTICE regarding inaccurate personal information appearing in my consumer report maintained by youre a organization. I have previously submitted three notices.

Despite my repeated requests, the inaccurate information remains uncorrected. This constitutes a continued violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires consumer reporting agencies and furnishers to conduct a reasonable reinvestigation when a dispute is submitted by a consumer.

I am enclosing supporting documentation once again for your review, including [ list any documents : copies of previous disputes, proof of payment, identity theft report, etc. ].

Under the FCRA, you are obligated to : 1. Investigate the dispute within 30 days ( or 45 days under certain conditions ) ; 2. Notify the furnisher of the dispute ; 3. Correct or delete inaccurate, incomplete, or unverifiable information ; and 4. Provide me with the results of your reinvestigation.

To date, you have failed to comply with these obligations. Your continued failure to address these inaccuracies may be deemed willful noncompliance, subjecting your organization to civil liability under 15 U.S.C. 1681n and statutory damages, punitive damages, attorneys ' fees, and actual damages under the law.

Demand : I am demanding the following : - Immediate deletion or correction of the disputed information ; - Written confirmation of such correction within 15 days of receipt of this letter. 
XXXX XXXX XXXX XXXX, XXXX, AL, 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
On XX/XX/2025, XX/XX/2025, and again on XX/XX/2025, I sent formal dispute letters via certified mail to both Spring Oaks Capital and XXXX XXXX  regarding inaccurate and unverified accounts appearing on my credit reports. These letters included legal language citing FCRA, FDCPA, and HIPAA violations. I also included a request for full validation of the alleged debts and demanded the removal of any unverifiable accounts.

Despite these efforts, these companies have failed to properly validate the debts or provide itemized breakdowns. Some of the accounts are medical debts under {$500.00}, which should not be reporting under current credit reporting rules. 

Additionally, I have observed the following troubling activity : The names of the companies have been removed or hidden from my credit reports and now show up as untitled or blank accounts, making them unverifiable.

Some accounts appear as deleted on XXXX  but still show as negative on XXXX  and XXXX, creating conflicting information across the bureaus.

Certain accounts say consumer disputes reinvestigation in progress for weeks with no resolution, yet they continue to harm my credit score.

One account labeled as open and installment is being reported without company identification, balance accuracy, or clear source.

I have disputed these items multiple times and received notices that the accounts meet FCRA requirements, yet no actual verification has been provided. This is misleading and harmful to me as a consumer trying to resolve inaccuracies.

I am requesting CFPB intervention to : Ensure proper debt validation or removal of these accounts.

Address potential HIPAA violations involving medical account reporting.

Ensure credit bureaus and furnishers stop reporting incomplete or hidden data.

This situation is causing ongoing credit harm, and I am pursuing my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
On XX/XX/year>, XX/XX/year>, and again on XX/XX/year>, I sent formal dispute letters via certified mail to both XXXX XXXX XXXX and XXXX XXXX  regarding inaccurate and unverified accounts appearing on my credit reports. These letters included legal language citing FCRA, FDCPA, and HIPAA violations. I also included a request for full validation of the alleged debts and demanded the removal of any unverifiable accounts.

Despite these efforts, these companies have failed to properly validate the debts or provide itemized breakdowns. Some of the accounts are medical debts under {$500.00}, which should not be reporting under current credit reporting rules.

Additionally, I have observed the following troubling activity : The names of the companies have been removed or hidden from my credit reports and now show up as untitled or blank accounts, making them unverifiable. 

Some accounts appear as deleted on XXXX  but still show as negative on XXXX  and XXXX, creating conflicting information across the bureaus. 

Certain accounts say consumer disputes reinvestigation in progress for weeks with no resolution, yet they continue to harm my credit score.

One account labeled as open and installment is being reported without company identification, balance accuracy, or clear source.

I have disputed these items multiple times and received notices that the accounts meet FCRA requirements, yet no actual verification has been provided. This is misleading and harmful to me as a consumer trying to resolve inaccuracies.

I am requesting CFPB intervention to : Ensure proper debt validation or removal of these accounts.

Address potential HIPAA violations involving medical account reporting.

Ensure credit bureaus and furnishers stop reporting incomplete or hidden data.

This situation is causing ongoing credit harm, and I am pursuing my rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: WV

Complaint narrative:
I am a single widow with a XXXX XXXX, enduring catastrophic financial hardships due to Cash Apps outrageous failure to provide the {$940.00} redress owed for fraudulent charges from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Nearly a year has passed since my eligibility for a security settlement was confirmed in XX/XX/XXXX, yet a claim deficiency notice in XX/XX/XXXX falsely claimed no prior notice or error resolution issues existed. I resubmitted evidence, and as of XXXX XXXX  XXXX on XX/XX/XXXX, I have heard NOTHING. This intolerable delay is destroying my familyact NOW! 
Cash Apps responses are a sham, steeped in inconsistency and lies. They claim to be working on my case ( e.g., CFPB Case IDs : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ), but I have photo evidence and screenshots proving they closed my cases, directly contradicting their claims. Their support is a relentless loop of deceittoll-free numbers redirect to a website, which sends me back, and the chat misdirects to XXXX administration XXXX On XX/XX/XXXX, they refunded XXXX charge and partially refunded another from XX/XX/XXXX, ignoring XXXX others with identical circumstances from that period and XXXX from XX/XX/XXXX. On XX/XX/XXXX, they refunded XXXX of XXXX charges from XX/XX/XXXX and XXXX from XX/XX/XXXX, refusing the XXXX  despite identical details. Screenshots confirm my identity was verified, yet they falsely claimed non-verification and no response within XXXX days. 
Today, at XXXX XXXX, I received an email from Cash App admitting a technical issue impacted dispute filings between XX/XX/XXXX and XX/XX/XXXX, due to a system error providing incorrect guidance to contact in-app support. When I did, support flatly refused to investigate, citing my account closure in XXXX XXXX blatant violation of their XX/XX/XXXX, CFPB agreement. This, alongside their willful negligence in responses to my XXXX other CFPB complaints and a XXXX  response today, proves they are NOT working on my case. Attached screenshots provide irrefutable evidence. 
This relentless pattern of misrepresentation has left me without the critical {$940.00} owed, plunging my family into deeper distress. I DEMAND IMMEDIATE REDRESS, referencing the listed CFPB case numbers. Act NOWmy family can not wait! 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation