vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

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. And my account was locked for fraud which my account was hacked and money was took and it got flagged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
I am submitting this formal complaint regarding multiple inaccurate, misleading, and unverifiable entries on my credit report. These false entries are severely harming my financial standing and reputation. 

Incorrect Addresses Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate/Unverified Accounts and Negative Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments ( {$140.00}, {$270.00} ), inconsistent and inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} Charge-off, not mine / unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$630.00} Charge-off, unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1700.00} Charge-off, inaccurate. 

XXXX XXXX ( XXXX * ) * * {$68.00} XXXX XXXX, unverified. 

XXXX XXXX University ( XXXX * * ) * * {$2300.00} Charge-off, not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} Charge-off, unverified. 

XXXX ( XXXX * * * * ) * * {$13000.00} Charge-off, inaccurate. 

XXXX XXXX XXXX XXXX XXXX * * ) * * {$1700.00} XXXX XXXX, unverified. 

XXXX XXXX Services ( XXXX *, XXXX * * * ) * * Charge-off/ XXXX XXXX reported incorrectly with {$0.00} balances. 

XXXX XXXX ( XXXX * * * * ) * * {$19000.00} Charge-off, unverified. 

XXXX XXXX ( XXXX ) * * {$0.00} Charge-off, inaccurate. 

XXXX XXXX XXXX ( XXXX * * ) * * {$2000.00} Charge-off, not mine. 

XXXX XXXX XXXX ( XXXX * * ) * * {$220.00} Charge-off, unverified. 

XXXX ( XXXX ) * * {$580.00} XXXX, inaccurate. 

Unauthorized or Improper Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries contain serious inaccuracies, conflicting balances, and unverifiable claims. Multiple accounts report charge-offs with {$0.00} balances, which is contradictory and misleading. Additionally, incorrect late payments and collections are damaging my credit unfairly. 

This reporting violates : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Failure to ensure maximum possible accuracy of consumer reports. 

Fair Debt Collection Practices Act ( FDCPA ) Prohibition against false, deceptive, and misleading representation of debts. 

I request that the CFPB urgently investigate these matters and take immediate action to remove all unverifiable, inaccurate, and misleading accounts, addresses, and inquiries from my credit report.

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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
Date : Monday, XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Final Demand for Debt Validation, Case XXXX -- - Summary of Issue : 1. I am being pursued for an alleged debt to XXXX XXXX XXXXXXXX XXXX ( Account ending XXXX ), now handled by XXXX and XXXX XXXX XXXX under XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Case No. XXXX. 


2. I have received over XXXX pages of statements, which do not constitute proper debt validation under federal law ( FDCPA, FCRA, TILA ) or XXXX XXXXXXXX ( Rosenthal Fair Debt Collection Practices Act ). 


3. I have submitted XXXX CFPB complaints regarding fraudulent charges, improper reporting, and ongoing collection without proper validation ( XXXX XXXX : XXXX, XXXX, XXXX ). 


4. I have sent multiple certified letters to XXXX, XXXX, and XXXX with tracking numbers available, requesting proper debt validation and a cease of collection activity. 


5. Important : When I contacted XXXX XXXX directly, their automated recording confirmed that XXXX no longer manages this account and instructed me to contact XXXX. This shows XXXX no longer claims ownership of the debt. 




-- - Actions Requested / XXXX XXXX : Provide complete, clear, and accurate validation of the debt, including proof of ownership, original contracts, and accurate accounting. 

Cease all collection activity and litigation until proper validation is provided. 

Accept my good faith settlement offer of {$500.00} as full resolution of the debt, or otherwise dismiss the case immediately. 

Update all credit reporting to Paid in Full or Settled in Full. 

Failure to comply will be treated as a violation of federal and state law, and I am prepared to escalate to CFPB, FTC, the California Attorney General, and pursue legal action in court if necessary. 



-- - Deadline : Please respond in writing within XXXX days ( by XX/XX/year> ) to confirm : XXXX. Receipt of this letter XXXX. Proper debt validation XXXX. XXXX or rejection of my {$500.00} settlement offer XXXX. XXXX cessation of all collection activity -- - Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: MN

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
I am submitting this formal complaint regarding multiple creditors and furnishers who are reporting inaccurate, unverified, and misleading information on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. and are causing significant harm to my creditworthiness. 

Disputed Accounts and Issues : XXXX ( Acct : XXXX ) * * Charge-off {$17000.00} ; unverified. 

XXXX ( Acct : XXXX ) * * Late payment {$33000.00} ; inaccurate reporting. 

XXXX XXXX ( Acct : XXXX ) * * Charge-off {$790.00} ; unverified. 

XXXX XXXX ( Acct : XXXX ) * * Charge-off {$880.00} ; unverified. 

XXXX XXXXXXXX ( Acct : XXXX ) * * Late payment {$410.00} and charge-off {$410.00} ; duplicative and inaccurate. 

XXXX ( Acct : XXXX ) * * Charge-off {$550.00} ; unverified. 

XXXX ( Acct : XXXX ) * * Late payment {$22000.00} ; inaccurate. 

XXXX ( Acct : XXXX ) * * Charge-off {$18000.00} ; unverified. 

XXXX ( Acct : XXXX ) * * Charge-off {$25000.00} ; unverified. 

XXXX ( Acct : XXXX ) * * Charge-off {$25000.00} ; unverified. 

XXXX ( Acct : XXXX ) * * Late payment {$530.00} ; inaccurate. 

XXXX ( Acct : XXXX ) * * Charge-off {$500.00} ; unverified. 

XXXX ( Acct : XXXX ) * Late payment {$1400.00} ; inaccurate. 

XXXX ( Acct : XXXX ) * * Charge-off {$1500.00} ; unverified. 

XXXX XXXX ( Acct : XXXX ) * XXXX {$1900.00} ; inaccurate. 

XXXX XXXX ( Acct : XXXX ) * * XXXX {$950.00} ; unverified. 

XXXX XXXX ( Acct : XXXX ) * * XXXX {$810.00} ; unverified. 

Incorrect Addresses : XXXX XXXX, Missouri XXXX, TX XXXX Wrongly reported. 

XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Wrongly reported. 

Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX These inaccuracies, unverified charge-offs and collections, wrong addresses, and unauthorized inquiries are severely damaging my credit profile. 

Legal Violations : FCRA 1681e ( b ) : Furnishers failed to ensure maximum possible accuracy.

FCRA 1681i : Credit bureaus failed to properly investigate and delete disputed items. 

FCRA 1681s-2 ( b ) : Furnishers continued reporting inaccurate information after dispute.

Requested Relief : I respectfully request that the CFPB : Conduct a thorough investigation into all listed creditors and furnishers.

Require documented validation of all disputed accounts and inquiries. 

Correct or remove all inaccurate, unverifiable, and misreported information from my credit report. 

Ensure full compliance with the FCRA and cease further violations of my consumer rights.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX - XXXX ) CFPB_Complaint_Experi... 
X Complaint Against Experian Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : [ Insert Today 's Date ] To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against Experian for Failure to Properly Process Credit Dispute I am submitting this complaint against Experian Information Solutions , Inc. regarding their failure to properly process my credit dispute in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681i. Background : - On [ insert date mailed ], I mailed Experian a certified dispute letter regarding inaccurate and/or incomplete information in my Experian credit file. -I included proof of identity ( government-issued ID ) and proof of address ( utility bill ) as required. - I have XXXX certified mail tracking number [ insert tracking number ] confirming that Experian received my dispute. Issue : On [ insert date of Experian email ], Experian sent me an email stating that they " received a recent request regarding [ my ] credit information that does not appear to have been sent directly by [ me ]. '' As a result, Experian claims they have " not taken any action '' on my request. This is improper for several reasons : 1. My dispute was directly sent by me and included the required proof of identity and residency. 2.

Under FCRA 611 ( 15 U.S.C. 1681i ), a consumer reporting agency must reinvestigate a dispute once properly submitted by the consumer. 3. Experian 's refusal or failure to act on my properly submitted dispute amounts to willful noncompliance with the FCRA. Relief Requested : I am requesting that the CFPB : 1. Compel Experian to immediately reinvestigate the items disputed in my certified letter. 2.

Ensure that Experian acknowledges receipt of my dispute and does not dismiss it under false pretenses. 3. Review Experian 's compliance practices, as their notice appears designed to discourage or delay consumer disputes. Attachments ( available upon request ) : - My original dispute letter - Proof of certified mailing and delivery - Government-issued ID and utility bill included in the dispute - Experian 's email response refusing to act Conclusion : Experian is obstructing the dispute process in violation of federal law. I request the CFPB 's immediate assistance in ensuring my rights under the FCRA are entorced.

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 2025-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Cross Country Financial Corporation
State: CA

Complaint narrative:
I purchased a XXXX XXXXXXXX XXXX from XXXX XXXX ( XXXXXXXX XXXX ) in XX/XX/XXXX, financed through Cross Country Financial ( Account # XXXX ). The vehicle was sold to me in unsafe and defective condition the horn did not work ( a safety violation under California law ), and the dealer promised repairs that were never completed. Within XXXX months, the vehicle broke down completely and was privately impounded by my mobile home park. 

I immediately reported these issues to Cross Country when they verified my information, and later in writing. I also sent a formal dispute and demand letter on XX/XX/XXXX, disputing any deficiency balance. I specifically informed Cross Country that the repossession was not voluntary but was directly caused by the dealers fraud and misrepresentation. 

Despite my letters and multiple phone calls, Cross Country has failed to provide me with any written response. They only stated that my message was being forwarded to their attorneys department. Meanwhile, I continue to receive notices of deficiency balance liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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:
Im beyond frustrated with the continued presence of false, damaging information on my Equifax credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. 
If Equifax can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

Company response to consumer: Closed with non-monetary relief