vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: OR

Complaint narrative:
I was looking to change internet providers for my business and was contacted by a XXXX business rep who made it easy to set up and account. When I received the device it was not working in my building due to weak cell service. Within a week of setting up the service I had emailed the rep to cancel and return the device. It was well within the trial period. I got no response from rep. Then attempted to return device at XXXX store and rep said that it was a business account device and they were unable to accept it but was able to cancel it ( not sure with them or they called someone to cancel it ). I tried calling but wait was too long and calls would get dropped while trying to verify with multiple reps in their phone tree. So tried another store who's manager was able to get me in touch with someone over the phone who confirmed it was cancelled and would email me a return label. I waited few days did not receive return label and went back to the store and they sent return label which I confirmed received via phone. They said I should not have a bill because it was within the trial period. I didn't get a bill because I was set up with electronic billing but then I began to receive XXXX collection calls. I spoke to the reps as they reviewed notes and advised they will handle it. Then they would call back again and we would go through everything again. I requested all emails and notes associated with accounts because i set this account up with a franchise email and have left the franchise so no longer having access to past emails. Rep said they could not send past emails and notes but they would resolve this back in XXXX XXXX XXXX. Since then they've sent me to 2 different collection agencies who I've explained to them and spoken with XXXX who has informed me they would resolve and has yet to do so. I do not know what else to do. I do not want to pay out of principle but it may be just easier to give in and payoff because it has been effecting my credit report/score and even if I pay it off it would show that it had gone to collection. How can we protect our credit when big business can sign you up for trial periods and when it doesn't work charge you anyways and send you to collections then give you the run around and brush off?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: LA

Complaint narrative:
I recently settled my debt with XXXX XXXX XXXX, and it still reporting like the debt wasnt paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-11 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: GA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I sold my car for {$3700.00} and used Cash App to receive the payment. On XX/XX/year>, the buyer sent me {$3700.00} through Cash App. After the buyer drove away with my car, Cash App canceled/reversed the transaction without my authorization, claiming it was for my protection. 

Because of this reversal, I never received the full {$3700.00}. The buyer kept the car and only sent me a partial amount afterward, which did not cover the sale price. I was left without the money from the sale and without the car. I had planned to use those funds immediately to purchase another vehicle, but instead I was forced to rely on XXXX and other transportation, creating financial hardship. 

Screenshots attached show the {$3700.00} payment marked as canceled, along with the transaction numbers. This situation matches the problems identified in the XXXX XX/XX/year> order against Block, Inc. ( Cash App ), where the Bureau found Cash App failed to properly investigate disputes, reversed transactions without honoring consumer rights under the Electronic Fund Transfer Act, and misled users with claims of acting for their protection. 

I am requesting a refund of the full {$3700.00} I was owed for the car sale, as well as confirmation that my case will be reviewed as part of the CFPBs redress order against Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-09-11 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: IL

Complaint narrative:
Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX IL XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$170.00} This account is reporting late, but I was never late to that account. I demand the removal of this late payment from my credit report. I tried fixing this issue before with the bureaus, but they did not respond to me, and I am not satisfied with their results. As per the law given below : FCRA Accuracy Requirement Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of information. Reporting a late payment that can not be verified violates this requirement.

Under 15 U.S.C. 1681i ( a ), when a consumer disputes information, the bureau must conduct a reasonable reinvestigation. If the furnisher can not provide proper documentation, the disputed late payment must be deleted.

Under 15 U.S.C. 1681s-2 ( b ), data furnishers are required to conduct a proper investigation and delete or correct any information found to be inaccurate or unverifiable.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item of information is found to be inaccurate or unverifiable, it must be promptly deleted from the credit report.

This unverifiable late payment should be removed. If not, I'll be seeking monetary relief against the 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 non-monetary relief
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
b'My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of: 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. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX  Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 2025-09-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
b'My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of: 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. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX  Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The credit bureaus has failed to delete or correct inaccurate and unverified accounts on my credit report, despite multiple written disputes over the past three months. I requested original documentation to verify these accounts under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 1681e ( b ). TransUnion has not provided a copy of any original contract or documentation bearing my signature, and instead continues to report incomplete, inaccurate, and unverifiable information. This is causing financial and emotional harm due to continued negative reporting.

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 2025-09-11 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: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Due to the information on my credit report is inaccurate I am asking you to remove all forms of this account from my credit report for it is restricting me from obtaining good credit I asked that a re-investigation to start and for the previous investigation to be verified with the person you contacted and that your company spoke to ALDOUS AND ASSOCIATES XXXX * * In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, IF this information can not be provided. please delete this account from my report in the next 15 days And send me a new report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this dispute because unauthorized and inaccurate accounts are being reported on my credit file. I did not open or approve these accounts, nor was I notified of their addition. To make matters worse, the information is being reported inconsistently across the three credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring agencies to maintain maximum possible accuracy.

This also breaches 15 U.S.C. 1681i, which mandates that disputed information be investigated and corrected or deleted within 30 days, as well as 15 U.S.C. 1681g, which gives me the right to accurate and complete file disclosures.

I have enclosed documents verifying my identity and demonstrating that these accounts are both inaccurate and unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: AR

Complaint narrative:
I am filing a complaint regarding how a XXXX XXXX  XXXX account is being reported across the credit bureaus. The reporting is inconsistent and inaccurate. Details such as balances, credit limits, and payment history do not match between the bureaus, and some of the information can not be verified. 

The account is showing derogatory history even though it is paid/closed. When the same account is reported differently across bureaus, it creates a false impression that I mishandled my credit. This misrepresentation is unfairly damaging my creditworthiness. 

The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies and furnishers to ensure maximum possible accuracy. Continuing to report inconsistent or unverifiable information fails to meet that standard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank stated there was activity in my account that they detected wire issues. The wire activity is legitimate and was verified. Regardless they closed the account and refused to issue me my funds. They said I had to wait XXXX days. 
I have close to {$30000.00} in the account I need to pay bills and that was my main source of funds. 
I am XXXX XXXX XXXX and need that money

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 2025-09-11 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: AR

Complaint narrative:
XXXX  XXXX XXXX credit card accounts are being reported with inaccurate information across Experian, Equifax, and TransUnion. The balances, payment history, and late payment reporting are inconsistent and can not be verified. I want XXXX  XXXX XXXX and the credit bureaus to either prove the accuracy with full documentation or remove the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief