vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: PA

Complaint narrative:
This letter is a formal request for the Method of Verification ( MOV ) under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) ) regarding your so-called investigation into my previous dispute.

Lets be very clear : you did not conduct a legitimate investigation. Your generic, boilerplate responses are the same rubber-stamped language the Consumer Financial Protection Bureau ( CFPB ) fined you for in prior enforcement actions. Your company was caught auto-verifying false information without actually contacting furnishers or reviewing documentationa clear violation of the FCRA and deceptive practices statute.

That is precisely what is happening to me. You are not investigating anything. Youre stalling, stonewalling, and hiding behind automated scripts. 

I am demanding the exact method used to verify the disputed information, including : The name of the person or department contacted The date/time of the communication The method of communication ( phone, email, E-Oscar, etc. ) The identity of the furnisher you allegedly verified the data with Additionally, I want a copy of all records you used to justify keeping this item on my credit report. If you can not or will not produce this, you are in violation of FCRA 611 and will be reported again to the CFPB. 

Let me be clear : Im not going anywhere. I am fully aware of my rights. Your noncompliance with the law will be documented, escalated, and formally reported with each infraction. I expect a complete written response within 15 days, or I will include your failure to comply in my next CFPB complaint and contact state regulators. 

Ive attached a screenshot of your bogus investigation results. I want a MOV. I will NOT accept a boilerplate reply. If you send me a boiler plate MOV, I will immediately report you to my Attorney General.

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 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

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 redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I have reviewed First Federal Credit Controls response, and I respectfully assert that their reply fails to adequately address the key issues raised in my original complaint. 

No Prior Notice Received First Federal claims to have sent a model notice on XX/XX/XXXX, yet I never received any such notice by mail, email, or phone. Under FDCPA 809 ( a ), they are required to ensure that consumers receive written notice of their rights within five days of the initial communication. This lack of actual delivery is a violation of that obligation. 

No Debt Validation Provided Until the reporting on XX/XX/XXXX, I had not received any communication from First Federal. Upon discovering the collection on my credit report, I immediately disputed it and requested validation of the debt. To date, no supporting documentation has been provided. An offer to obtain itemization now is not compliant with their legal duty to provide validation before reporting the debt to the credit bureaus or continuing collection activity. 

FCRA Violation Premature Credit Reporting Reporting a debt to credit bureaus without verifying its accuracy or providing proper notice violates the FCRA 623 ( a ). A debt can not be lawfully reported until the consumer has been notified and given a chance to dispute or validate the debt. 

Marking as Disputed Is Not a Resolution While I acknowledge that the account is now marked as disputed, this does not resolve the central issue : the debt was reported without proper notice or validation, and thus it should be deleted from all credit bureaus until the debt is verified in full compliance with federal law. 

I am again requesting the immediate removal of this negative item from my credit report and that First Federal Credit Control cease all collection activity until they provide legally required documentation demonstrating the validity of the debt, including : The original creditor 's name and account number, A full itemization of the {$500.00} balance, Proof that I am legally obligated to pay this debt, And evidence that proper notice was ever delivered to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: IN

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

TRANSUNION : XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX. XXXX XXXX EXPERIAN : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-12 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: AL

Complaint narrative:
I have unauthorized or fraud inquires on my equifax and transunion credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: IN

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

TRANSUNION : XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX. XXXX XXXX EXPERIAN : XXXX XXXX XXXX XXXX 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 2025-07-12 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: IN

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

TRANSUNION : XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX. XXXX XXXX EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
Excessive fees 7 times charged {$32.00}. Each totaling {$220.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Equifax I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting act 15 U.S. Code 1681c-2 ( Section 605B ), I request that you immediately block and delete the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to credit bureaus Equifax, XXXX XXXX XXXX. I have included the following documents : 1. A copy of my government issued ID. 2. An Identity Theft Report from the FTC. 3. Proof of address Account Name : XXXX XXXX  Account Number : XXXX Account name : XXXX  XXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please confirm the account name, account number has been blocked and deleted within four ( 4 ) business days, as fraudulent activity violates my rights under FCRA Section 605B. If additional information is required, contact me promptly. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: CO

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding [ Auto Lender Name ], who inaccurately reported late payments on my auto loan account despite my documented financial hardship and my belief that I was in good faith communication regarding payment arrangements. 



My auto loan, opened in XX/XX/XXXX, shows multiple late payments reported in XXXX and XXXX, including multiple 6089 day late notations. During this time, I was experiencing documented COVID-19-related financial hardship, and I believe I was either under an informal payment deferment or had contacted the lender about available relief options. Many auto lenders publicly stated they would offer deferment programs and not penalize consumers for hardship-related delays during the pandemic.

I respectfully request that the CFPB : Investigate whether [ Auto Lender Name ] offered or acknowledged a COVID-related deferment program.

Require the lender to verify whether these late marks are accurate under the Fair Credit Reporting Act. 
Remove any improperly reported delinquencies that occurred while I was under a deferment or had requested hardship accommodation.

The misreporting of these payments has negatively impacted my credit score and ability to access fair credit. I have attached a copy of my payment history for reference.

Thank you for your attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-07-12 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: FL

Complaint narrative:
I am submitting this complaint regarding a wrongful debt collection attempt from XXXX XXXX at XXXX XXXX in XXXX, FL. I lived at the property with my children from XX/XX/XXXX until early XX/XX/XXXX, and had reported dangerous and uninhabitable conditions 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 The property management failed to resolve these issues by not performing quality checks, which violated Florida Statutes on habitability. 
I formally notified the leasing manager that I would not renew my lease and would move out early due to the unresolved safety issues. The XXXXXXXX XXXX was not being addressed professionally by a company. Despite this, I have been sent to collections for over {$4000.00} and am now being harassed with threats to " ruin my credit '' unless I pay. This collection is for rent after I vacated, during a time the unit was unsafe for me and my children. It has affected my credit score which prevents me from being qualified to keep the roof I now have over our heads. 
This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Florida law. I am requesting the CFPB investigate the legitimacy of this collection, stop the harassment, and remove any credit reporting associated with this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Dear I C SYSTEM I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. The reporting inaccuracies concerning these accounts violated both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 U.S Code 1692 ( e ) and 15 U.S Code 1692 ( f ) for handling this matter. 
2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete accounts history, inclusive of all collection-related charges. I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S Code 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. 
Furthermore, per-15 U.S. Code 602 ( a ) ( 2 ), no account can be furnished without my written instructions. Your actions have infringed upon my rights under several sections of the XXXX XXXX XXXX XXXX XXXX XXXX  1692 ( d ) : Harassment or abuse in connection with debt collection. XXXX  1692e : Use of false, deceptive, or misleading representations. XXXX  1692g ( b ) : Failure to properly disclose my rights. XXXX 1692f : Use of unfair or unconscionable means to collect a debt. I request the inmediate deletion of this disputed account from all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting agencies due to its unrecognized status and the absence of contractual obligations. Your prompt attention to this matter is appreciated. Failure to comply may results in further legal action to protect m

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 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Corp Solutions Inc.
State: PA

Complaint narrative:
I did credit consolidation and paid everything off, CREDIT CORP SOLUTIONS INC said they bought the debt and repeatedly called me harassing me from text now numbers : XXXX - XX/XX/XXXX at XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 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 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 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  I told them to mail me their claim of debt they never did. They continued to call me after I told them the debt was not valid and unless they can provide proof of their claim to stop contacting me. They have now put this collection on my account stating an opening date of XX/XX/2023 for balance of XXXX I did not open any accounts on that date for that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC
State: SC

Complaint narrative:
Follow-Up Complaint Continued Inaccurate Reporting, Legal Violations, and Use of Obsolete Address BMW Financial Services Complaint Description : I am filing this formal follow-up complaint against BMW Financial Services regarding their continued failure to correct or delete inaccurate and unverifiable credit reporting related to an auto loan ( ending in XXXX ) and an alleged charge-off balance of {$16000.00}.

This account violates multiple federal laws including the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), Fair Debt Collection Practices Act ( FDCPA ), UCC Article 9, and XXXX XXXX Reporting Standards. 

I submitted my initial complaint ( CFPB Case # XXXX ), and BMW responded on XX/XX/year>, with a generic, non-responsive explanation and two old settlement letters. They failed to address the core legal violations and instead continue reporting the account with : No Pre-Sale Notice ( UCC 9-611 ) I was never notified before the vehicle was repossessed or sold.

No Post-Sale Accounting ( UCC 9-614, 9-616 ) BMW has not provided a breakdown or explanation of how the {$16000.00} balance was calculated.

No Proof of Investigation ( FCRA 611 ) BMW failed to provide documentation showing how my disputes were investigated and verified.

Obsolete Address Reporting BMW continues to associate this account with XXXX XXXX XXXX, which is a former address where I no longer reside and do not receive mail. Reporting outdated location information violates FCRA 623 ( a ) ( 1 ) ( A ) and XXXX XXXX standards requiring accurate and current consumer data.

Double Reporting Risk BMW made settlement offers and referenced IRS Form 1099-C in the past, but still reports the full deficiency balance. This is misleading and may violate FDCPA 807 and XXXX XXXX.

TILA 131 ( g ) Violation I was never provided with required notice of loan assignment or servicing transfer within 15 days of repossession or sale.

This account remains disputed and no proper validation has been produced. BMWs continued reporting is harmful to my creditworthiness and shows willful noncompliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
In XXXX, XXXX, my ( now ex- ) husband and I sold our house in XXXX XXXX XXXX I bought a CD from Fifth Third bank branch in XXXX on XXXX XXXX. before moving to XXXX that summer. I have the certificate ; the number XXXX ; issue date is XX/XX/XXXX. I was not told that I was REQUIRED to redeem it from Fifth Third two years later. I moved to XXXX  then XXXX then XXXX returning to live in XXXX until XXXX. In XXXX, I moved to XXXX XXXX I attempted to redeem the CD at a Fifth Third Bank in XXXXXXXX XXXX  They refused. No reason was given. 
This is the first CD I had ever bought ; I was not given any explanatory information at the time of purchase. 
Now my financial situation has changed due to my ex-husband 's health decline and in the near future I may lose XXXXXXXX XXXX  of my monthly income as specified in the divorce settlement. 
I filed this complaint eleven years ago and received no response from you ; my email address has not changed.

I received no other information either from the CFPB or the bank. 
My next step is a national media outlet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: NY

Complaint narrative:
submitting this complaint because I have previously disputed inaccurate and unverifiable accounts on my credit report with the credit reporting agencies, but they have failed to remove or correct these accounts. These accounts contain inaccurate information and potential violations of the Fair Credit Reporting Act ( FCRA ), including the unauthorized use of my information under the consumers right to privacy ( FCRA 607 ( a ) ( 4 ) ), unauthorized hard inquiries, and the failure to validate the debts being reported.Despite sending two previous disputes, the credit bureaus have not provided me with any documentation proving the accuracy of these negative accounts, nor have they removed the accounts they can not verify as required by FCRA. They continue to report this inaccurate and unverifiable information, which is damaging my credit profile, and have failed to correct these inaccuracies within the required 30-day period under FCRA 611 .XXXX

Company response to consumer: Closed with explanation