vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/year>, I sent XXXX XXXX XXXX XXXX XXXX XXXX  a formal Debt Validation Request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, disputing their claim that I owe {$4900.00} allegedly related to XXXXXXXX XXXX XXXXXXXX XXXX. I vacated the unit over XXXX years ago, never received any final bill or breakdown of charges, was never taken to court, and was never served with any eviction notice or judgment. The amount appears inflated and unsupported. In my letter, I specifically requested : 1. A copy of the signed lease agreement ; 2. A full itemized breakdown of charges ; 3. Proof of authority to collect ; 4. Confirmation the debt is within XXXX statute of limitations ; 5. Any legal filings related to this debt. 

Despite this, on XX/XX/year>, XXXX updated my account with the credit bureaus ( TransUnion and XXXX ) to continue reporting the {$4900.00} balance as an open collection account. This update occurred without providing any of the requested documentation, in violation of FDCPA 809 ( b ), which requires validation before continuing collection activity. 

On XX/XX/year>, I sent a Direct Dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), to XXXX, pointing out that : The original creditors report shows 100 % on-time payments and a {$0.00} balance ; Their reporting of a {$4900.00} collection account is inaccurate and misleading ; They continued reporting without validating the debt, violating FDCPA and FCRA ; Updating the account after my validation request constitutes a willful violation of both FDCPA and FCRA. 

The company has not provided the requested documentation or validation. Their continued reporting constitutes furnishing inaccurate information to the credit bureaus and failing to conduct a reasonable investigation as required under FCRA 611 and 623. 

Both TransUnion and XXXX  have also failed to correct the inaccurate reporting after receiving my disputes and supporting documentation, instead allowing the inaccurate collection account to remain. This is causing significant damage to my creditworthiness and violates their obligations under the FCRA to ensure maximum possible accuracy and to delete unverifiable information.

I am requesting the CFPBs assistance in : 1. Compelling XXXX XXXX XXXX to either fully validate this alleged debt with original signed documents and full accounting OR delete it from all credit reports immediately ; 2. Requiring TransUnion and XXXX  to delete the unverifiable account from my reports ; 3. Ensuring compliance with all FDCPA and FCRA provisions to prevent continued harm.

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 2025-08-16 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: TN

Complaint narrative:
On XX/XX/year>, I sent XXXX XXXX XXXX XXXX XXXX XXXX a formal Debt Validation Request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, disputing their claim that I owe {$4900.00} allegedly related to XXXX XXXX XXXX XXXX. I vacated the unit over XXXX years ago, never received any final bill or breakdown of charges, was never taken to court, and was never served with any eviction notice or judgment. The amount appears inflated and unsupported. In my letter, I specifically requested : 1. A copy of the signed lease agreement ; 2. A full itemized breakdown of charges ; 3. Proof of authority to collect ; 4. Confirmation the debt is within XXXX statute of limitations ; 5. Any legal filings related to this debt. 

Despite this, on XX/XX/year>, XXXX updated my account with the credit bureaus ( XXXX  and Equifax ) to continue reporting the {$4900.00} balance as an open collection account. This update occurred without providing any of the requested documentation, in violation of FDCPA 809 ( b ), which requires validation before continuing collection activity. 

On XX/XX/year>, I sent a Direct Dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), to XXXX, XXXX out that : The original creditors report shows 100 % on-time payments and a {$0.00} balance ; Their reporting of a {$4900.00} collection account is inaccurate and misleading ; They continued reporting without validating the debt, violating FDCPA and FCRA ; Updating the account after my validation request constitutes a willful violation of both FDCPA and FCRA. 

The company has not provided the requested documentation or validation. Their continued reporting constitutes furnishing inaccurate information to the credit bureaus and failing to conduct a reasonable investigation as required under FCRA 611 and 623.

Both XXXX  and Equifax have also failed to correct the inaccurate reporting after receiving my disputes and supporting documentation, instead allowing the inaccurate collection account to remain. This is causing significant damage to my creditworthiness and violates their obligations under the FCRA to ensure maximum possible accuracy and to delete unverifiable information.

I am requesting the CFPBs assistance in : 1. Compelling XXXX XXXX XXXX to either fully validate this alleged debt with original signed documents and full accounting OR delete it from all credit reports immediately ; 2. Requiring XXXX  and Equifax to delete the unverifiable account from my reports ; 3. Ensuring compliance with all FDCPA and FCRA provisions to prevent continued harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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 non-monetary relief
Consumer complaint received 2025-08-16 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: Early Warning Services, LLC
State: NV

Complaint narrative:
I am a victim of identity theft and my personal information has been used improperly. Please see attachments below

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MD

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX MD XXXX XX/XX/XXXX Last XXXX of Social # XXXX TO : Equifax Information Services, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX Experian, XXXX. XXXX XXXX, XXXX, TX XXXX TransUnion XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Credit Report Dispute Auto Loan Account XXXX in * XXXX Dear Credit Bureau, I am writing to formally dispute the accuracy of information being reported on my credit file regarding my * XXXX XXXX XXXX XXXX loan account ending in XXXX. 
According to my Equifax credit report, the account is showing as 3059 days late for XX/XX/XXXX. However, this information is inaccurate and inconsistent with both my records and other bureau reporting : My Experian credit report shows the same account as current for XXXX but past due for XX/XX/XXXX which is inaccurate, with payments of {$520.00} properly recorded on XX/XX/XXXX and not for XX/XX/XXXX. 


I have bank transaction records from my XXXX checking account proving that my XX/XX/XXXX payment of {$520.00} was successfully debited by XXXX XXXX XXXX. 


This demonstrates that my payments for XXXX and XXXX were made on time and that XXXX reporting of delinquency is factually incorrect. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure maximum possible accuracy of the information they report. I am requesting the immediate deletion or correction of the inaccurate late payment notation for XXXX and XX/XX/XXXX from my credit file. 
Supporting Documentation Enclosed : Copy of Equifax report showing late payment Copy of Experian report showing account current XXXX  bank statement showing XX/XX/XXXX auto-debit payment Please reinvestigate this matter and provide me with written confirmation once the correction has been made. 
Sincerely, 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 2025-08-16 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: MD

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX MD XXXX XX/XX/XXXX Last XXXX of Social # XXXX TO : Equifax Information Services, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX Experian, XXXX. XXXX XXXX, XXXX, TX XXXX TransUnion XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Credit Report Dispute Auto Loan Account XXXX in * XXXX Dear Credit Bureau, I am writing to formally dispute the accuracy of information being reported on my credit file regarding my * XXXX XXXX XXXX XXXX loan account ending in XXXX. 
According to my Equifax credit report, the account is showing as 3059 days late for XX/XX/XXXX. However, this information is inaccurate and inconsistent with both my records and other bureau reporting : My Experian credit report shows the same account as current for XXXX but past due for XX/XX/XXXX which is inaccurate, with payments of {$520.00} properly recorded on XX/XX/XXXX and not for XX/XX/XXXX. 


I have bank transaction records from my XXXX checking account proving that my XX/XX/XXXX payment of {$520.00} was successfully debited by XXXX XXXX XXXX. 


This demonstrates that my payments for XXXX and XXXX were made on time and that XXXX reporting of delinquency is factually incorrect. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure maximum possible accuracy of the information they report. I am requesting the immediate deletion or correction of the inaccurate late payment notation for XXXX and XX/XX/XXXX from my credit file. 
Supporting Documentation Enclosed : Copy of Equifax report showing late payment Copy of Experian report showing account current XXXX  bank statement showing XX/XX/XXXX auto-debit payment Please reinvestigate this matter and provide me with written confirmation once the correction has been made. 
Sincerely, 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 2025-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: U.S. BANCORP
State: IL

Complaint narrative:
Late Fees still present after ILHAF payments to get Mortgage Current...

They also cashed two checks for {$660.00} and did not apply them to the loan...

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 2025-08-16 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number XXXX : Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  With a balance of {$10000.00} that appears related to the aforementioned. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.

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 2025-08-16 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: FL

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING LLC ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted XXXX or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
XXXX. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under XXXX. 
XXXX. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; XXXX XXXX XXXX XXXX XXXX XXXX respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
i was looking at my credit report and noticed that there were hard inquires that are not mine on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MN

Complaint narrative:
Cash app has locked my account with money in it for no reason. They said they suspect fraud or unusual activity but i have done nothing different with my account than i usually do. This has happened before and took months to get my account unlocked. They said 48 hours and its been 48 hours customer service wont even talk to me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
I disputed account information regarding a XXXX XXXXXXXX XXXX XXXX  account to Experian on report number XXXX. On XX/XX/2025, I received a disputed update confirming deletion of the XXXX XXXXXXXX XXXX XXXX  starting with XXXX. Less than weeks later the account was back on my credit report without any notification to me in writing or in any other communication. This time I called Customer Service and spoke with the special handling departing and the assured me the account would be deleted and blocked form my credit file. On XXXX XXXX, 2025 Report Number XXXX confirmed the account was again deleted and not even three weeks later it was on my credit again without any notices. I called for the third time and report number XXXX once again confirmed deletion of the credit card account, and I was once again assured the account would never return. Today is XX/XX/2025, and the account is back again! I do not believe that Experian is in compliance with 15 USC 1681 and this account should be deleted for a 4th time and permanently blocked as I've been told already 3 times by the special handling department.

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 2025-08-16 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: MA

Complaint narrative:
I am writing with deep concern and sadness because I have been a victim of identity theft, and my life has been deeply damaged by accounts that were never mine. As an XXXX  XXXX, I expect my rights to be respected and not violated by companies that choose to play with peoples lives. My only dream is to have a dignified home for my family, but this possibility is being stolen from me by unscrupulous individuals and irresponsible institutions. I deserve peace of mind and the opportunity to rebuild my future, but instead I am forced to live with the unbearable weight of fraudulent accounts attached to my name. It is also important to point out that XXXX XXXX XXXX constantly changes its name to avoid responsibility, previously appearing as DEPTEDXXXXXXXX  and XXXX XXXX, which is an abusive practice that can not continue to be allowed, as it only creates confusion and prevents the resolution of the damage caused. None of these accounts belong to me, including XXXX XXXX XXXX ( Account number : XXXXXXXXXXXX XXXX XXXX XXXX XXXX Opened in XX/XX/XXXX ), XXXX XXXX ( Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened in XX/XX/XXXX ), XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened in XX/XX/XXXX ), and others that keep appearing under different variations of this name, as well as XXXX ( Account number : XXXX XXXX XXXX XXXX XXXX  Loan Opened in XX/XX/XXXX ). Additionally, there are inquiries that I never authorized, such as XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
The account with Santander Consumer is reported as a Charge off and delinquent account when the account is open and current. I reached out to the company and was told the information was updated however it still reflects inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief