vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/year> Subject : Request for Deletion of Unverifiable Accounts Based on XXXX XXXX Findings To : Credit Reporting Agency Dear Credit Reporting Department I am writing to formally request the deletion of two unverifiable and previously disputed accounts reported by XXXX XXXX XXXX  on my credit file. The disputed charge-off accounts were listed on my XXXX credit report with amounts of {$460.00} and {$1000.00}, respectively.

I submitted a dispute regarding these entries, and XXXX completed its investigation on XX/XX/year>. Following the investigation, XXXX deleted both accounts in full from my credit report, confirming that the information could not be verified in compliance with their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Under the FCRA, all consumer reporting agenciesincluding Equifax, XXXX, and XXXX required to report only accurate and verifiable information. Since XXXX has determined that the account information could not be verified and subsequently deleted it, the other CRAs are now expected to follow suit and delete the same unverifiable accounts from their reports.

Legal Basis for My Request : FCRA 611 ( 15 U.S.C. 1681i ) : Requires CRAs to reinvestigate disputed information within 30 days and delete any unverifiable data.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Mandates CRAs to follow reasonable procedures to ensure the maximum possible accuracy of credit information.

FCRA 616 & 617 ( 15 U.S.C. 1681n & 1681o ) : Provide the consumer with the right to take legal action against any CRA or furnisher that willfully or negligently fails to comply with the law.

In light of XXXX  deletion, I demand that Equifax, XXXX, and XXXX  immediately remove the same unverifiable XXXX XXXX XXXX  accounts from my credit files. If these accounts are not removed within 30 days of receipt of this letter, you will be in direct violation of the FCRA, and I reserve the right to pursue legal action and seek damages as permitted under FCRA 1681n and 1681o.

Please confirm in writing that the deletions have been completed. I am including documentation of the XXXX deletion and my dispute confirmation as evidence for your review. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
Subject : Immediate Executive Attention Required : Affirm Reporting Violations Impacting Credit Standing To : Whom it May Concern I am reaching out to you directly regarding Affirms continued reporting of inaccurate, inconsistent, and potentially unlawful information on my credit reports. Despite my previous attempts to address this through normal dispute channels, the issues remain unresolved and have resulted in significant damage to my credit profile.

I have disputed this debt multiple times with XXXX and it always returns verified by the original creditor. The reporting accounts have multiple errors and inaccuracies. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent debt validation letter to Affirm as of XX/XX/XXXX. As of today I have not received a response. 
Every dispute concludes with the credit bureaus stating the original creditor verified the information and it remains on my credit report. This account is reporting negative and incorrect information and has been since it was placed on my report. 

I have contacted Affirm with no resolution. 

The following inaccuracies and compliance concerns have been identified. 

1. * * Account Overview * * : - Only reporting on XXXX XXXX. Issues Identified : a. * * Improper Post-Charge-Off Reporting - This directly violates Metro 2 guidelines which require a fixed charge-off amount once an account is charged off.

b. * * Missing or Omitted Date of First Delinquency - FCRA Section 623 ( a ) ( 5 ) mandates this date be reported to ensure negative information ages off properly.

- Without DOFD, this account risks remaining longer than permitted under federal law. 

The record also notes that it was updated in XX/XX/XXXX following a dispute. However, no substantive investigation summary or correction was made. 

3. * * Legal Implications : - These actions may constitute violations of the Fair Credit Reporting Act ( FCRA ), particularly Sections 607 ( b ), 611 ( a ), and 623 ( a ) ( 5 ).

- Further investigation is warranted to determine if Affirm failed to ensure maximum accuracy and lawful procedures in furnishing or maintaining this data.

Affirm continues to update incorrect data with the credit bureau with little to no accountability in ensuring information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: OH

Complaint narrative:
Legal Notice of Liability Transfer Page 2 I. Transfer of Liability & Commercial Assessment You are now the legally designated responsible party for all tax reporting liabilities concerning : Any revenue-generating contracts, securities, or bonding instruments monetized using XXXX XXXX XXXX XXXX signature, or collateral. 


Full commercial assessment under UCC 3-505 and ORC 1303.65. 


Pursuant to IRS Publication 1212 and 26 USC 6049, XXXX, immediate preparation and filing of IRS Form 1099-OID and related forms, transferring all associated financial liabilities to your office. 


EIN of Fiduciary Entity on record : Westlake Financial Services XXXX XXXX. Demand for Full Disclosure As CFO, you are now personally obligated under : TILA ( 15 U.S.C. 1601 et seq. ) UCC 1-308, UCC 3-305 , and UCC 3-501 You must provide : Certified assessment records.

Auto trail and original presentment.

Proof Westlake used its own assetsnot monetized consumer credit or securitized accounts. 


Failure to provide disclosure within fourteen ( 14 ) calendar days will trigger : Commercial lien issuance Affidavit of Non-Response filing Notice of Default Complaints to CFPB, FTC, State Attorney General Civil lawsuit naming you individually III. Notary Acknowledgment & Mailing This document is notarized, mailed via USPS Certified Mail with Return Receipt ( PS Form 3811 ), and witnessed. Non-response within the allotted timeframe is deemed tacit admission and legal dishonor under UCC 3-505. 

Respectfully Submitted, XXXX XXXX Secured Party Creditor UCC 1-308 All Rights Reserved, Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I submitted a previous complaint. This company has not provided any of the information I requested. On XX/XX/year> they responded to the complaint that they would cease calling, but they are still contacting me and hence violating the laws especially since they arent providing me with any documentation of debt validation. At this point, I am unsure if I need to engage with an attorney because they agreed to this and they are still calling. I have digital proof of this. I am requesting them to remove any and all information from my credit report as this has gone on long enough. Especially since they are now violating my rights and theyve responded to the CFPB that they would cease calling and they did not. I am owed monetary compensation for this violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was approved for a PayPal credit card with a limit of {$2500.00}. Its on my profile and I have the letter of approval. They are declining my transactions and wont allow me to use the credit at approved merchants. I was able to test it by buying XXXX item for around {$170.00}. When I attempt to buy my PC ( which is why I applied ) they decline the transaction. When I called to get assistance I was told the credit is approved and can be used. Ive attempted to buy my PC several times from different approved merchants including XXXX XXXX and XXXX. When I got information from the virtual chat it responded that my transaction was declined because of a security concern. What is the security concern if you approved me? I show the available balance on my profile. I feel like its false advertising and information. It says I have {$2500.00} available, I have a letter that says I was approved but they are not processing my transactions. My account is in good standing and I use my account on a regular. I feel like they agreed to give me access to funds they are not making available. I made my first payment on time but Im not allowed to use my full balance??

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 2025-07-22 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: GA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit.

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 2025-07-22 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: MO

Complaint narrative:
I have been fighting with all three credit bureaus to remove identity theft items charges on my accounts for months. I continue to get inaccurate information in my reports showing at same time I have deleted items and good credit to same day I have fair credit and items not deleted a violation by Experian. I filed an identity theft report FTC report number XXXX and followed my plan outlined by Federal Trade Commission. My rights continually get violated by bureaus and they fail to provide proof of debt most charged off, no custody no assignments as required when requested. My reports continue to be flawed. I have spent countless hours trying to resolve with bureaus only to be ignored. On XXXX XXXX Report Number from Experian finally removed the identity theft and fraud increasing my credit score to XXXX. Then XXXX XXXX they put everything back on report decreasing my score to XXXX, but in credit report at same time they showed score went from fair to good then good to fair even congratulated me. This violation of FCRA is blatant abusive and I have demanded my report be updated to remove all identity theft in my report to federal trade commission and there own investigation report number XXXX to reflect what is accurate and just.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: MO

Complaint narrative:
I have been fighting with all three credit bureaus to remove identity theft items charges on my accounts for months. I continue to get inaccurate information in my reports showing at same time I have deleted items and good credit to same day I have fair credit and items not deleted a violation by Experian. I filed an identity theft report FTC report number XXXX and followed my plan outlined by Federal Trade Commission. My rights continually get violated by bureaus and they fail to provide proof of debt most charged off, no custody no assignments as required when requested. My reports continue to be flawed. I have spent countless hours trying to resolve with bureaus only to be ignored. On XXXX XXXX Report Number from Experian finally removed the identity theft and fraud increasing my credit score to XXXX. Then XXXX XXXX they put everything back on report decreasing my score to XXXX, but in credit report at same time they showed score went from fair to good then good to fair even congratulated me. This violation of FCRA is blatant abusive and I have demanded my report be updated to remove all identity theft in my report to federal trade commission and there own investigation report number XXXX to reflect what is accurate and just.

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 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the debt you claim I owe and to address your unlawful collection actions. I do not acknowledge any debt to the following collection agencies : XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 12 CFR 1006.34 ( b ) ( 5 ), I request complete validation, including the original creditor, account details, and a full itemization of all charges. A copy of the purchase agreement is also required to confirm your authority to collect. Ive filed a complaint with the CFPB over these issues.

I am revoking all permission to contact me by phone, email, or text. Only written communication is permitted. Your failure to properly notify me and allow dispute, as required by law, violates my rights. Furthermore, XXXX XXXX is prohibited from reporting this debt without providing the necessary disclosures under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-07-22 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). In light of the XXXX  CFPB enforcement action ( CFPB & FTC XXXX XXXX  ), in which your agency was fined {$23.00} million for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The consumer reporting agency Clarity Services has a security freeze on my consumer report and is preventing me from purchasing a new vehicle. Below is the completed form from their website with my signature to verify my intent to lift the security freeze from my consumer report that I also sent via certified mail.

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 2025-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Central Research Inc
State: CA

Complaint narrative:
A student loan was taken out of my credit I reported it as fraudulent and the amount was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX, I received an email from " CashApp '' stating that a {$600.00} payment made to me on or about XX/XX/XXXX had " failed '' when what really happened was the sender filed a dispute for services I provided her as a coach. CashApp failed to follow the law and provide me with any notice or give me a chance to provide ALL my documentation and evidence that the sender got MORE than she paid for and that her attempt to withdraw MY money constituted FRAUD. The next day, on XX/XX/XXXX, right before I went to pay my rent, CashApp ILLEGALLY withdrew {$600.00} from my bank account without notice, without permission, and without authorization! I have contacted CashApp but they refuse to help or even acknowledge me. They keep pushing me away telling me to " talk to the sender! '' I demand my {$600.00} back and I FURTHER DEMAND that CashApp contact me immediately so I can provide them with all my evidence which they should have asked for in the first place. This constitutes FRAUD on CashApp 's behalf, and if they refuse to immediately refund my {$600.00}, I will file criminal charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-07-22 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: CA

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