vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: NH

Complaint narrative:
They have called my work on call phone multiple times. This phone is emergency on call for XXXX XXXX XXXX home. Ive asked them Multiple times not to they respond with does your employer know you did not pay us? 
Last time they called my boss had the phone and she told them to stop calling and they refused this has been going on for a year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: OH

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX straight talk charged my cash app for XXXX cause my ex stole my cash app card. 
XX/XX/XXXX and XX/XX/XXXX for the via bus tickets. I asked for a refund from the XX/XX/XXXX but cash app messed up on the refund dispute and thought it was for the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
After I graduated, I tried to contact my loan servicer for help understanding my repayment options, but I never received guidance or communication from anyone. No one notified me that repayment was starting or that any payments were due. 

I later discovered that all XXXX of my federal student loans were reported as entering repayment in XX/XX/2025 without any notice. I never received letters, emails, or calls from the Department of Education or any servicer. This lack of notice is a serious error that caused false delinquency and damaged my credit. 

I work as a government caregiver with very low income, and I have recently been accepted into a XXXX  program, with orientation in XXXX. My goal has always been to continue serving the community in healthcare. 

My payment record has always been good for any account I knew about, and I have never ingnored my responsibilities. This situation was caused by poor communiccation and lack of proer servicing guidance after graduation.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-21 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: IL

Complaint narrative:
This letter serves as my formal dispute regarding incorrect personal information currently appearing on my credit report. After reviewing my file, I have identified personal identifiers including my name, address, date of birth, or Social Security number that are inaccurate, outdated, or not associated with me. Reporting such false or mixed information constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as it fails to ensure the maximum possible accuracy of consumer information.

Under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to request a full reinvestigation of all personal identifiers associated with my credit file. Any personal information that can not be verified with proper documentation must be deleted or corrected immediately. 

Additionally, under FCRA 607 ( b ), credit reporting agencies are legally required to maintain procedures to assure maximum possible accuracy of the information they report. The continued reporting of inaccurate or unverified personal information constitutes noncompliance with federal law and misrepresentation of my identity.

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 2025-10-21 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: MO

Complaint narrative:
This complaint is being filed with the Consumer Financial Protection Bureau ( CFPB ) pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that all 3 bureaus block and remove all fraudulent information from my consumer credit report within four ( 4 ) business days of receiving this notice. The fraudulent, inaccurate, and false information includes the following account : XXXX XXXX XXXX XXXXXXXX. This account has led to multiple fraudulent hard inquiries and collections being reported on my consumer credit report. I do not recognize or authorize any of the above accounts, inquiries, or collections. They were not opened, made, or initiated by me and are the result of identity theft and fraud. I have included a copy of my FTC Identity Theft Report confirming these items were reported as fraudulent and are the result of identity theft.

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 2025-10-21 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: MO

Complaint narrative:
This complaint is being filed with the Consumer Financial Protection Bureau ( CFPB ) pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that all 3 bureaus block and remove all fraudulent information from my consumer credit report within four ( 4 ) business days of receiving this notice. The fraudulent, inaccurate, and false information includes the following account : XXXX XXXX XXXX XXXXXXXX. This account has led to multiple fraudulent hard inquiries and collections being reported on my consumer credit report. I do not recognize or authorize any of the above accounts, inquiries, or collections. They were not opened, made, or initiated by me and are the result of identity theft and fraud. I have included a copy of my FTC Identity Theft Report confirming these items were reported as fraudulent and are the result of identity theft.

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 2025-10-21 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 writing to formally file a complaint regarding multiple inaccuracies on my credit report that are severely affecting my creditworthiness. Despite my efforts to dispute these accounts with the respective creditors and credit bureaus, the errors persist. I am requesting immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ). 

Disputed Items : Incorrect Addresses Reported : XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX, XXXX, TX XXXX These addresses do not belong to me and have been incorrectly reported on my credit files. 

Accounts with Charge-Offs, Late Payments, and Collections : XXXX XXXX * *, High Balance {$85.00}, Opened XX/XX/XXXX Charge Off XXXX XXXXXXXX XXXX * *, High Balances {$1000.00} ( XX/XX/XXXX ), {$430.00} ( XX/XX/XXXX ) Late Payment XXXX XXXXXXXX * *, High Balances {$1400.00} ( XX/XX/XXXX ), {$1300.00} ( XX/XX/XXXX ) Late Payment XXXX XXXX * *, High Balance {$610.00}, Opened XX/XX/XXXX Late Payment XXXX XXXXXXXX * *, High XXXX {$1100.00}, Opened XX/XX/XXXX Late Payment [ Include all remaining accounts as listed ] Collections : XXXX XXXX XXXX XXXX * * XXXX XXXX XXXX {$3900.00}, Opened XX/XX/XXXX XXXX  XXXX * *, High XXXX {$690.00}, Opened XX/XX/XXXX [ Include all remaining collection accounts ] Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX [ Include all other inquiries ] These entries are inaccurate, incomplete, and misleading, and they violate my rights under the FCRA. Specifically, I dispute the reporting of : Accounts that do not belong to me Incorrect balances and payment history Inaccurate addresses Improperly reported collections and inquiries Action Requested : I demand that the CFPB require the reporting agencies and creditors to : Conduct a full and accurate investigation of all listed disputes. 

Remove or correct all inaccurate addresses, late payments, charge-offs, collections, and inquiries. 

Provide me with written confirmation of all corrections made to my credit report. 

Ensure no further negative impact on my creditworthiness due to these errors. 

This matter has caused significant financial harm, including the denial of credit opportunities, and I expect swift resolution in accordance with federal 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate and potentially outdated information listed on my Equifax XXXX XXXX Experian XXXX reports. These errors are contributing to unfair harm to my credit score and financial standing. 1 MXXXX XXXX XXXX XXXX  XX/XX/year> This includes : XXXX. Old addresses XXXX. XXXX and XXXX employers XXXX. Outdated phone numbers XXXX. Misspelled names XXXX. DATE OF BIRTH-

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: ND

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. I am a victim of XXXX  XXXX  and was recently made aware that Experian has denied my claim ( more then twice now ). They are saying my determination letter isnt valid, when my letter IS valid. I have spoke with a couple other entities and was told that the abused adults resource center in XXXX XXXX XXXX  is the only agency that is qualified to write me such a letter. All other credit reporting agencies like XXXX  and XXXX XXXX and XXXX  have all abide by my claim other than Experian. I am at a loss of words with why Experian isnt abiding by my claim or approving my claim. I am attaching an email that I received from Experian stating that my determination letter wasnt valid when it is clearly a valid letter. I am also going to attach my determination letter and the items Im requesting to be blocked on my credit report. Hope to hear back soon and I appreciate your time.

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 2025-10-21 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-21 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXX, I submitted written disputes to Experian requesting permanent deletion of XXXX obsolete XXXX Card Services charge-off accounts under FCRA 605 ( a ). 

The accountsending XXXX and XXXXbecame delinquent in late XXXX and were closed in early XXXX. Under FCRA 605 ( a ) ( 4 ) and 623 ( a ) ( 5 ), charge-offs must be removed XXXX years plus 180 days from the Date of First Delinquency ( DOFD ). Based on those original delinquency dates, both tradelines should have aged off by XXXX. 

As supporting proof, I provided XX/XX/XXXX XXXX statements showing the accounts were already past due at that time, and XXXX investigation results dated XX/XX/XXXX and XX/XX/XXXX confirming deletion of the same XXXX accounts as obsolete. I also noted that XXXX appears to have furnished an incorrect DOFD by treating later agent-assisted partial ACH debits in XXXX as if they reset delinquency ; such payments after default should not change the original DOFD under FCRA 623 ( a ) ( 5 ). 

XXXX reinvestigation did not correct the error. Instead of deleting the tradelines, Experian changed each estimated removal date to XX/XX/XXXX and XXXX XXXX re-aging the accounts and extending the reporting period beyond the statutory limit. This violates FCRA XXXX ( a ) ( XXXX ) ( accurate DOFD furnishing ) and XXXX ( a ) ( obsolescence ), and reflects a failure to conduct a reasonable reinvestigation under XXXX ( a ). The continued reporting has materially harmed my credit profile during mortgage underwriting. 

I request that Experian : XXXX. Permanently delete both XXXX XXXX XXXX tradelines ; and XXXX. Provide written confirmation and an updated credit report reflecting the deletions. 

Supporting documentation provided : identity verification documentation, my XXXX dispute letter ; XXXX deletion confirmations ( XX/XX/XXXX and XX/XX/XXXX ) ; and XXXX account statements evidencing a XXXX DOFD.

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 2025-10-21 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: PA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc.
State: WA

Complaint narrative:
I got to a point its not just with money lion but with a few different payday loans but i cant get help with doing payments they just want the money all at once and they just tell me if i need the money just borrow again and i dont want to do that i want smaller payments to get out from under them im done with borrowing

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: PA

Complaint narrative:
Subject : Formal Dispute Inaccurate Reporting of TOTAL VISA/TBOM Account # XXXX Dear Credit Bureau XXXX XXXX am disputing the reporting of TOTAL VISA/TBOM, account # XXXX, on my credit file. 

Disputed Errors : Account is reported as XXXX XXXX and also as XXXX, which is contradictory and misleading. 

XXXX is reported as {$0.00}, yet still reflects derogatory status. 

The reporting of delinquency dates ( XXXX ) is inconsistent with closure activity. 

Violations of the Fair Credit Reporting Act ( FCRA ) : XXXX ( A ) : Failure to ensure fair and accurate credit reporting. 

XXXX ( b ) : XXXX to maintain maximum possible accuracy. 

XXXX ( a ) ( XXXX ) : I have the right to original documentation, including the signed account agreement and charge-off details. 

XXXX : You are required to reinvestigate disputed information within 30 days. 

XXXX ( a ) ( XXXX ) ( A ) : A furnisher must not provide information known to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: PA

Complaint narrative:
Subject : Formal Dispute Inaccurate Reporting of TOTAL VISA/TBOM Account # XXXX Dear Credit Bureau XXXX XXXX am disputing the reporting of TOTAL VISA/TBOM, account # XXXX, on my credit file. 

Disputed Errors : Account is reported as XXXX XXXX and also as XXXX, which is contradictory and misleading. 

XXXX is reported as {$0.00}, yet still reflects derogatory status. 

The reporting of delinquency dates ( XXXX ) is inconsistent with closure activity. 

Violations of the Fair Credit Reporting Act ( FCRA ) : XXXX ( A ) : Failure to ensure fair and accurate credit reporting. 

XXXX ( b ) : XXXX to maintain maximum possible accuracy. 

XXXX ( a ) ( XXXX ) : I have the right to original documentation, including the signed account agreement and charge-off details. 

XXXX : You are required to reinvestigate disputed information within 30 days. 

XXXX ( a ) ( XXXX ) ( A ) : A furnisher must not provide information known to be 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief