vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
NOTICE OF ENFORCEMENT AND CLAIM FOR DAMAGES Date : XX/XX/2025 To : XXXX XXXX XXXX and Experian Information Solutions , Inc . 
Cc : Consumer Financial Protection Bureau, Federal Trade Commission From : XXXX XXXX XXXX XXXX Natural Person | Litigant | Private Trust Executor All Rights Reserved. Without Prejudice. 



FORMAL NOTICE OF DAMAGES UNDER FEDERAL LAW This serves as formal notice that I, XXXX XXXX XXXX XXXX , am initiating enforcement actions and asserting a claim for damages against XXXX, XXXX and Experian Information Solutions , Inc. , under full color of law, due to the following violations : 1. FCRA 1681s2 ( b ) Failure to cease reporting disputed, unverifiable, and fraudulent information ; 2. FCRA 1681i ( a ) Refusal to properly reinvestigate or delete tradelines after formal dispute and litigation notice ; 3. FCRA 1681i ( a ) ( 5 ) ( B ) Illegal reinsertion of a removed tradeline without certification or written consumer notice ; 4. FCRA 1681n & 1681o Willful and negligent defamation, reporting harm, and denial of dispute rights ; 5. 15 U.S.C. 45 ( FTC Act ) Deceptive and retaliatory practices causing ongoing harm to the consumer.

CLAIM FOR DAMAGES As a direct result of the conduct described above, I have suffered the following : A drop of over 200 FICO points due to reinserted and false late payment reporting ; Denial of access to essential financial services, housing applications, and credit-based screenings ; Loss of time, resources, and repeated effort to clear inaccuracies despite formal notice and supporting evidence ; Emotional distress, reputational injury, and economic loss stemming from retaliatory credit damage.

I am seeking the following remedies : 1. Permanent deletion of the XXXX tradeline and any reinserted payment history across all CRAs ; 2. Statutory damages under FCRA 1681n and 1681o, including {$1000.00} per violation, plus punitive damages for willful misconduct ; 3. Formal written admission and correction of the errors by both parties, including reinvestigation results and suppression of further data sharing ; 4. Enforcement action and monitoring by CFPB and FTC due to ongoing, unresolved legal violations and evidence of coordinated misconduct. 



This letter constitutes final notice and demand. If you do not comply within the applicable legal timeframe, I will initiate additional legal action and pursue full redress in court under all applicable state and federal laws. 

Govern yourselves accordingly. 



Respectfully submitted, XXXX XXXX XXXX El-Ra All Rights Reserved. Without Prejudice.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
NOTICE OF ENFORCEMENT AND CLAIM FOR DAMAGES Date : XX/XX/year> To : XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX. 
Cc : Consumer Financial Protection Bureau, Federal Trade Commission From : XXXX XXXX XXXX XXXX Natural Person | Litigant | Private Trust Executor All Rights Reserved. Without Prejudice. 



FORMAL NOTICE OF DAMAGES UNDER FEDERAL LAW This serves as formal notice that I, XXXX XXXX XXXX XXXX , am initiating enforcement actions and asserting a claim for damages against XXXX, XXXX and XXXX XXXX XXXXXXXX XXXX XXXX , under full color of law, due to the following violations : 1. FCRA 1681s2 ( b ) Failure to cease reporting disputed, unverifiable, and fraudulent information ; 2. FCRA 1681i ( a ) Refusal to properly reinvestigate or delete tradelines after formal dispute and litigation notice ; 3. FCRA 1681i ( a ) ( 5 ) ( B ) Illegal reinsertion of a removed tradeline without certification or written consumer notice ; 4. FCRA 1681n & 1681o Willful and negligent defamation, reporting harm, and denial of dispute rights ; 5. 15 U.S.C. 45 ( FTC Act ) Deceptive and retaliatory practices causing ongoing harm to the consumer.

CLAIM FOR DAMAGES As a direct result of the conduct described above, I have suffered the following : A drop of over 200 FICO points due to reinserted and false late payment reporting ; Denial of access to essential financial services, housing applications, and credit-based screenings ; Loss of time, resources, and repeated effort to clear inaccuracies despite formal notice and supporting evidence ; Emotional distress, reputational injury, and economic loss stemming from retaliatory credit damage.

I am seeking the following remedies : 1. Permanent deletion of the XXXX tradeline and any reinserted payment history across all CRAs ; 2. Statutory damages under FCRA 1681n and 1681o, including {$1000.00} per violation, plus punitive damages for willful misconduct ; 3. Formal written admission and correction of the errors by both parties, including reinvestigation results and suppression of further data sharing ; 4. Enforcement action and monitoring by CFPB and FTC due to ongoing, unresolved legal violations and evidence of coordinated misconduct. 



This letter constitutes final notice and demand. If you do not comply within the applicable legal timeframe, I will initiate additional legal action and pursue full redress in court under all applicable state and federal laws. 

Govern yourselves accordingly. 



Respectfully submitted, XXXX XXXX XXXX El-Ra All Rights Reserved. Without Prejudice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX Account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified the account above so I can follow up. Please send me an updated copy of my credit report after your re-investigation.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute a late payment entry that appears on my credit report and request that it be removed immediately. I have always prioritized financial responsibility, and my payment history reflects a consistent pattern of timeliness.

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 2025-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: AR

Complaint narrative:
I am filing a complaint against Edfinancial Services for repeated payment reversals, failure to apply payments, and ongoing inaccurate account reporting. Between XX/XX/XXXX and XX/XX/XXXX, I made at least XXXX separate payment attempts on my federal student loan. Each time, Edfinancial initially showed the payment as received on my account then reversed it within XXXX hours. 



My bank statements confirm that none of these payments were ever debited, and I was never notified by Edfinancial that these reversals occurred or why. I called customer service, and the representative acknowledged that the issue can be placed under financial review but still tried to convince me multiple times to attempt a payment again while on the call. I declined, because it felt like an attempt to dismiss the underlying problem and blame my bank when the pattern clearly shows the issue lies with their processing system. 



Additionally, Edfinancials website shows a past due status beginning XX/XX/XXXX, despite the fact that payments had been reversed prior and that no interest accrued during XX/XX/XXXX through XX/XX/XXXX and my loan balance has remained unchanged. This strongly indicates I not in delinquency. 



I attempted to upload supporting proof through Edfinancials website multiple times using different browsers and devices, but received a server rejection error ( The requested URL was rejected ).

I am requesting that : 1.Edfinancial correct my account history to remove the past-due status 2.All failed payments be acknowledged as good-faith attempts 3. negative credit reporting that occurred, it be corrected immediately 4. Any lost time toward forgiveness or repayment progress be restored I am attaching screenshots of the reversed payment history and confirmation numbers. 



Thank you for investigating this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX I am reporting a fraudulent inquiry and a fraudulent account found in my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX I am reporting a fraudulent inquiry and a fraudulent account found in 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint regarding a fraudulent account opened in my name with XXXX  XXXX and the failure of the credit reporting agencies to properly investigate and remove the information under the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ). 

Fraudulent Account Information : Creditor : XXXX  XXXX Account Number : XXXX Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX This account was opened without my knowledge or consent. I have submitted an FTC Identity Theft Report ( # XXXX ) dated XX/XX/XXXX and placed a fraud alert on my credit. Despite these efforts, the account continues to appear on my credit reports and negatively impact my creditworthiness.

Legal Grounds : FCRA ( 15 U.S.C. 1681i & 1681s-2 ) : Requires CRAs and furnishers to investigate disputes and block identity theft-related accounts.

FACTA ( 15 U.S.C. 1681c-1 ) : Grants the right to place fraud alerts and mandates heightened verification for account openings.

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : Establishes identity theft as a federal offense.

CFPB Action Requested : 1. Immediate and permanent deletion of the fraudulent XXXX XXXX account from all credit bureaus ( Equifax, Experian, and TransUnion ).

2. Written confirmation that the account will not be reinserted unless verified under full compliance with FCRA 611.

3. Enforcement of FCRA 605B to block this identity theft-related data based on my valid Identity Theft Report.

4. An investigation into XXXX XXXX and the credit bureaus for failing to fulfill their duties under FCRA and FACTA.

5. Restoration of my credit file, removing all derogatory remarks or damage tied to this account.

This fraudulent account has caused me unnecessary harm and distress. I respectfully request your assistance in protecting my rights under federal law and ensuring this matter is resolved swiftly and justly. 

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
NORDSTROM CARD reported private financial information about me to third parties including but not limited to Consumer Reporting Agencies that is harming me. I am not in receipt of any document which verifies NORDSTROM CARD obtained my consent to share my information with third parties including but not limited to any Consumer Reporting Agencies. NORDSTROM CARD " Customer Agreement '' has an impaired disclosure, as it fails to disclose the consumers right to direct that such information NOT be disclosed ( opt-In consent ) ; and fails to provide the consumer with instructions on how the consumer could exercise that non-disclosure option as defined by the GLBA 15 USC 6802 The herein mentioned original creditor used deceptive and unfair methods to obtain the consumers ( XXXX XXXX XXXX consent to disclose private personal non-public financial information to non-affiliated third parties which include but is not limited to XXXX XXXX XXXX XXXX  After fraudulently obtaining consent, the herein mentioned data furnisher, creditor, then used the consumers identifying information to furnish information to consumer reporting agencies breaching the consumers privacy, to intentionally harm my person to suffer an economic loss.

This is Identity Theft and fraud! They are not responding to NOTICE OF IDENTITY THEFT AND FRAUD BY AFFIDAVIT .. FTC REPORTS and COMPLAINTS WITH THE OFFICE OF THE COMPTROLLER OF CURRENCY were also made and I am ready to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
In 2019, I enrolled in a XXXX training program through XXXX XXXX. Before enrolling, I informed the recruiter that I had a felony. The recruiter assured me that the felony would not affect my eligibility for employment with XXXX after I completed the training. 

I completed the XXXX training in good faith, but XXXX XXXX then informed me that I could not be hired due to my felony the same one they already knew about. I was never given the job I was promised. 

Despite being denied employment, XXXX billed me over {$6000.00} for the training. I was never told this would happen if I wasnt hired. I never received a clear contract, breakdown of the charges, or explanation of how this amount was calculated. The debt is now in collections with XXXX XXXX XXXX XXXX XXXX. 

I believe I was misled and taken advantage of, and I do not believe I legally owe this debt. Ive requested validation of the debt but have not received proper documentation. Im asking for the debt to be canceled and removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: MI

Complaint narrative:
The consumer reporting agency is willfully and negligently failing to comply with the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.C. 1681c-2 ], by continuing to report fraudulent accounts and identity theft-related information on my credit file. Despite being provided with an Identity Theft Report, proof of identity, and a formal request for removal, the agency has failed to take action within the required timeframe. This constitutes a violation of my consumer rights and has resulted in ongoing financial and reputational 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 non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 redres for these violations.

Company response to consumer: Closed with explanation