vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Subject : Debt Validation Request under 15 U.S.C. 1692g - FRAUDULENT RENTAL COLLECTION To Whom It May Concern, I am writing to formally dispute and request validation of the alleged debt reported on my credit file by your agency, related to a rental account. I do not owe this debt. I have never entered into any lease, agreement, or business relationship with the original creditor associated with this debt, nor have I authorized anyone to do so on my behalf. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : 1. The name and address of the original creditor.

2. A copy of the original lease or agreement bearing my signature.

3. A complete payment history showing how the alleged amount was calculated.

4. Proof that you are legally entitled to collect this debt.

5. Any documentation you have linking me to the property in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: NV

Complaint narrative:
This letter is to formally request specific information regarding account number XXXX. I am not disputing the existence of this account, but I am requesting verification of the information you hold. I require the following documentation to ensure the accuracy of your records and to confirm your legal right to collect on this debt : 1. Date of First Delinquency : Please provide the exact date the account first became delinquent.

2. Date of Last Payment : Please provide the exact date of the last payment made on this account.

3. Date of Charge-Off : If the account has been charged off, please provide the exact date of the charge-off.

4. Proof of Ownership/Right to Collect : Provide verifiable documentation demonstrating your legal right to collect on this account. This may include a copy of the original agreement, an assignment of debt, or other legally sufficient evidence.Failure to provide this documentation may be grounds for a dispute under the Fair Debt Collection Practices Act ( FDCPA ).

5. Account Level Documents Bearing My Signature : Please provide a copy of the original contract or agreement for this account that bears my original signature.This is critical to verifying the terms and conditions of the agreement. 
Failure to provide the requested documentation within [ Number ] days will be considered a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed had fraudulent account on my report Please remove these accounts from my report They are hurting my abilty to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
recently reviewed a copy of my credit report and noticed i had fraudulent account on my report Please remove these accounts from my report They are hurting my abilty to obtain 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 2025-05-10 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: DE

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year>

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 2025-05-10 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: TX

Complaint narrative:
I am writing to express my deep concern and frustration upon receiving a copy of my updated credit report. It has come to my attention that despite my previous communication of rectifying the error and mistake, the report still contains inaccuracy. This situation has left me feeling both disadvantaged and apprehensive, especially because this inaccuracy is hindering my efforts to secure new lines of credit. Regrettably, lenders have repeatedly rejected my applications based on my tarnished credit profile.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I am filing a formal complaint against Credit Karma XXXX XXXX XXXX ) for improper use, retention, and unauthorized sharing of my personal and credit-related data. 

Despite permanently deactivating my Credit Karma account and formally requesting full deletion of all personal identifiable information ( PII ), behavioral data, and historical credit monitoring records ( via email and internal ticket # XXXX ), I have reason to believe that my data is still being retained or shared across third-party networks and marketing vendors. I have not received written confirmation of full deletion across their systems ( active, archived, and backup ), and my data remains vulnerable. 

This violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), the California Consumer Privacy Act ( CCPA ), the California Privacy Rights Act ( CPRA ), and recent CFPB enforcement against TransUnion for similar patterns of non-compliance. 

I am demanding the following through this CFPB complaint : Full and permanent deletion of my data across all Credit Karma / XXXX XXXX and partners. 

Written confirmation that all PII, credit monitoring history, behavioral data, and digital tracking has been erased. 

XXXX of any and all marketing use, sale, or internal aggregation of my identity profile. 

XXXX confirmation that Credit Karma XXXX XXXX longer reporting or interfacing with credit bureaus under my profile. 

My identifying details : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Last XXXX digits of XXXX : XXXX Former Registered Email : XXXX Current Email for correspondence : XXXX or XXXX Last Known Address : XXXX XXXX XXXX XXXX, Unit XXXX, XXXX, FL XXXX Failure to act will lead to escalation to the FTC, the California Attorney General, and consumer litigation under privacy and data handling statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NY

Complaint narrative:
What happened? 

I am filing this complaint because Transunion continues to report inaccurate late payments on my mortgage account ending in XXXX, showing XXXX, XXXX, XXXX, and 30 days late for several months in XXXX and XXXX. I formally disputed this reporting in writing on XX/XX/XXXX, but Equifax has failed to provide verification or correction. 

This reporting is inaccurate, misleading, and incomplete, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which requires that all information on a consumer report be complete, accurate, and verifiable.

Despite my formal dispute, Transunion has not conducted a reasonable reinvestigation or provided any documentation to support the accuracy of these reported late payments. This ongoing reporting continues to misrepresent my payment history, damage my credit, and violate federal law, including 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ( b ).

I am requesting the CFPBs assistance to ensure that Transunion corrects the payment history to show an accurate never late status or removes the account entirely if they can not verify the information with complete and factual evidence.

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 2025-05-10 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian

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 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I asked XXXX for a debt validation an a complete itemized list of amounts and dates owed, if the debt they are claiming is mine. They sent me back a threating letter telling me they was going to sue if I didn't reply by XX/XX/XXXX, they did not validate the debt. They did not give me an itemized list only claiming the charges came from XXXX XXXX. That doesn't tell me the list of so called charges. All they have done is send me threating letters to garnish my wages. Their tactics are uncalled for. This is a FDCPA Violation :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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:
on my credit reporting i am verifing that negative account consumer reporting agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account info Balance {$830.00} Balance updated XX/XX/year> Original balance {$830.00} Account info Account number XXXX Date opened XX/XX/year> Account type Collection Status Collection account. 

Status 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 non-monetary relief
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
on my credit reporting i am verifing that negative account consumer reporting agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account info Balance {$830.00} Balance updated XX/XX/year> Original balance {$830.00} Account info Account number XXXX Date opened XX/XX/year> Account type Collection Status Collection account. 

Status updated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: VA

Complaint narrative:
Subject : Formal Notice of Fraudulent Accounts Immediate Removal Required To Whom It May Concern : This letter serves as formal legal notice that the following accounts reported on my credit file are fraudulent, unauthorized, and must be permanently removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were opened and/or reported without my knowledge, consent, or authorization, and therefore constitute identity theft and fraudulent reporting. I have reviewed my reports carefully and can confirm that these are not legitimate accounts tied to me in any lawful manner. You are legally obligated under the Fair Credit Reporting Act ( FCRA ) to fully investigate and remove inaccurate and unverifiable information from a consumers credit file. I am invoking my rights under federal law and demanding that you : Immediately delete the accounts listed above from all versions of my credit report ; Provide me with written confirmation of the removal ; Failure to comply with this request within the legally required time frame will result in immediate legal action, including but not limited to : I HAVE FILLED OUT Formal complaintswith the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) ; Lawsuits seeking statutory, actual, and punitive damages for willful noncompliance ; Full pursuit of all legal remedies available to me through retained legal counsel. Understand this clearly : this is not a casual request. If this matter is not resolved swiftly and these fraudulent entries are not removed, I am fully prepared to escalate this issue in court. My legal team is already on standby and prepared to proceed. This is your opportunity to resolve this without litigation. Choose wisely.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
Let me be absolutely clear the information you're reporting on my credit file is wrong. The tradeline in question is not being reported with the maximum level of accuracy, which you're legally required to uphold under the Fair Credit Reporting Act. 

This isnt just a clerical issue its a violation.

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 2025-05-10 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:
I am writing to formally dispute the accuracy and reporting of the following accounts listed on my transunion credit report XX/XX/year>. The accounts below have violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) : Accounts in Question : XXXX XXXX XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  These accounts are being reported inaccurately, and/or the information can not be verified. This violates several provisions of the FCRA, including but not limited to : 15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information.

15 U.S.C. 1681i ( 5 ) : If any disputed item is found to be inaccurate or unverifiable after reinvestigation, it must be promptly deleted or modified and the furnisher notified.

15 U.S.C. 1681s-2 ( a ) : Furnishers of information are prohibited from reporting data they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681b ( a ) ( 1 ) : No one may furnish consumer information unless its for a permissible purpose and reported accurately.

Therefore, I respectfully request that you : 1. Immediately conduct a full reinvestigation into the disputed items.

2. Delete or correct all inaccurate or unverifiable information.

3. Provide me with an updated copy of my credit report showing the results of your reinvestigation.

Attached are supporting documents relevant to my dispute. I request that you complete your reinvestigation within the 30-day period required by law.

Failure to comply may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action to protect my rights under the FCRA.

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 2025-05-10 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: NY

Complaint narrative:
I submitted a claim for payment before XXXX to cashapp for a class action lawsuit that was approved in XX/XX/year> for cashapp customers who had been involved in unauthorized transactions activity within their cashapp account between XXXX. On XXXX I received a cashapp notice from the settlement administrator staying that my claim was not correct and if I wanted to be included in the payout I had to fix my claim. I did this a number of times but I had an extremely hard time correcting my claim because it was quite difficult trying to update the claim due to not being able to gain access to my account with the claim id that was provided by cashapp. I met the deadline numerous times as the deadlines were constantly being changed but made sure to submit my documents in a timely manner but cashapp states other wise. I submitted documentation to reflect the work and asked for assistance which went unanswered until after the deadline and by then it was too late to do anything. This is a scam in every sense of the word and also an extremely and frustrating process requested by cashapp done intentionally to dissuade customers to withdraw therefore claims so cashapp would not have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I called Citi bank last XXXXXXXX XXXX XXXX  and requested the card closed and removed from my credit report. 
In addition, I requested a letter mailed via United States postal services verifying same.To date, this request has not been handled correctly. The card is closed but still showing on my credit reports with three credit reporting agencies as open. Those agencies need to be updated. They are : XXXX, XXXX XXXX and XXXX. 
This mistake is affecting my credit score and needs to be removed NOW!

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 2025-05-10 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX Balance {$15000.00}, XXXX XXXX {$720.00}, XXXX XXXX Balance {$170.00}, XXXXXXXX XXXX XXXXXXXX XXXX {$260.00}, XXXX XXXX Balance {$500.00}, XXXX XXXX XXXX XX/XX/year>

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