vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the following outdated, inaccurate, or unverifiable personal information currently listed on my TransUnion credit report dated XX/XX/XXXX. As required under the Fair Credit Reporting Act ( FCRA ), please conduct an investigation and remove the following information from my file. 

Addresses to Remove : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone Numbers to Remove : 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX 3. ( XXXX ) XXXX 4. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 7. ( XXXX ) XXXX 8. ( XXXX ) XXXX 9. ( XXXX ) XXXX 10. ( XXXX ) XXXX 11. ( XXXX ) XXXX Employment Information to Remove : 1. XXXX 2. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX ( XX/XX/XXXX ) 5. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 6. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ( XX/XX/XXXX ) 7. XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Under the FCRA, you are required to maintain accurate and up-to-date information on consumer reports. Since these records are no longer valid or verifiable, I respectfully request their immediate removal. 

Above is the only information that should be on my credit profile. 

Please provide written confirmation of the results of your investigation. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
I never opened up a credit card with this company the charges are fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: Affirm Holdings, Inc
State: OK

Complaint narrative:
In XX/XX/XXXX, I paid my Affirm Inc account in full. XXXX and Affirm both show this account as paid and closed as of XX/XX/XXXX. Despite this, the payment history reports the account as 30 days late in February 2023, 60 days in XXXX, 90 days in XXXX, and in collections from XXXX through XX/XX/XXXX. However, the balance was {$32.00} and marked as paid on XX/XX/XXXX, with no scheduled or missed payments in XXXX. 

This is inaccurate and misleading. No new activity occurred, and I was never notified of any delinquency or collection activity. I disputed this with XXXX, but they refused to remove the false derogatory marks, even though their own report shows no valid grounds for them. I am requesting deletion of all incorrect late and collection entries from this paid account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
This letter is in response to your recent claim that XXXX XXXX XXXX XXXX  XXXX has [ XXXX XXXX ] verified that I have an unpaid debt with them and Suspected Fraud Activity Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXXXXXX XXXX ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX XXXXXXXX ) regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXX XXXXXXXX ), bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt.

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 2025-04-14 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: CA

Complaint narrative:
Im very concerned that my credit report still contains inaccurate and incomplete information. Ive made several attempts to have this corrected, but nothing has been done, and its unfairly impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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 formally dispute inaccurate information on my credit report and to demand a reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite prior requests, you have failed to provide verifiable documentation supporting the accuracy of the disputed account ( s ), violating your duties under FCRA 611 ( a ) and 623 ( b ). Continued noncompliance also exposes you to liability under FCRA 617.

Legal Liability for FCRA Violations Numerous court decisions have held credit reporting agencies and furnishers financially liable for FCRA violations, including : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court upheld a class-action lawsuit against XXXX for improperly labeling consumers as potential XXXX XXXX XXXX XXXX without proper verification. The company was ordered to pay over {$60.00} million in damages. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXX v. Equifax XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
XXXX. CFPB Enforcement Action against XXXX ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined XXXX {$3.00} million for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These precedents highlight the legal risks of noncompliance with FCRA obligations. 
Disputed Account : Pursuant to FCRA XXXX ( a ), I request a prompt reinvestigation of the following XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-15 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: GA

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024.

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.

Thank you for your assistance. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX  XXXX Account Number : XXXX Reason : Unverified account

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 2025-04-15 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: FL

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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
Consumer complaint received 2025-04-15 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: GA

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024.

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.

Thank you for your assistance. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I paid my credit card off in XXXX I filed a dispute with XXXX in XXXX that the account balance was wrong. PayPal credit reports a balance of XXXX and denies my request to update the balance to XXXX. I reached out to PayPal and they responded that the balance is XXXX and they will send an immediate update 24-48 hours but they reported my balance as XXXX again instead of XXXX. My credit score drop XXXX points because they keep reporting the inaccurate 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Advanced Resolution Services Inc.
State: TN

Complaint narrative:
I submitted lawful affidavits to this company demanding the removal of all unauthorized information, a permanent freeze on my account and data, and a full revocation of any presumed consent to collect, store, or report my personal information. 

I am the Secured Party Creditor over the private estate associated with this account. This company has no verified contract, no valid consent, and no lawful authority to access or use my data under 15 U.S.C. 1681b, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), and applicable trust law.

I have demanded proof of authority or contract, which has not been provided. I am now escalating to the CFPB for enforcement and resolution. Affidavits documenting my demands are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
Routing for transaction # XXXX is not being given. The company has taken {$2400.00} from me and the other party involved, XXXX XXXX. Cashapp refuses to give the tracking or location for the missing amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: V and H Portfolio
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint to dispute an inaccurate and unjust collection account that has been reported to the credit bureaus by XXXX XXXX XXXX XXXX on behalf of XXXX XXXX. 
Let me be very clear : this account is either entirely inaccurate, unverifiable, or reported in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite prior disputes and requests for validation, the reporting entity has failed to provide proper documentation to substantiate the debt. No original contract, signed agreement, or full itemized billing statement has been provided yet the account continues to damage my credit profile. 
The collection in question appears on my credit report as follows : Creditor Name : XXXX XXXX. 


Collection Agency : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$960.00} Date Opened : XX/XX/year> This continued reporting is not only defamatory and reckless, but it also constitutes willful non-compliance with federal law. If this issue is not resolved promptly, I will escalate this matter to legal action. 
I am demanding that this collection account be permanently deleted from all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). 
I expect a full investigation and a response from both the CFPB and the reporting agency within the legally required time frame. 
This complaint is not going away until this account does. 
Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX XXXX Last 4 digits of SSN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/2025 JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Account # XXXX To Whom It May Concern, I am writing in response to a debt collection from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR Part 1006 ).

Debt Validation Request Under Regulation F To comply with Regulation F, I request that you provide : 1. Creditor Information : The name and address of both the original creditor and the current creditor who owns the debt.

2. Debt Verification : A breakdown of the debt amount, including principal, interest, fees, and other charges as required under 12 CFR 1006.34 ( c ).

Proof of a valid contract or agreement establishing the alleged debt.

3. Itemization Date : Provide the specific reference date you used in your itemization ( such as the last statement date, charge-off date, or last payment date ).

4. Assignment Records : Copies of all assignments or transfers
demonstrating the chain of ownership of this debt from the original creditor to your agency.

5. Proof of Permissible Purpose : Explain the permissible purpose under which you accessed my credit report under 15 U.S.C.

1681b ( Fair Credit Reporting Act ).

6. Cease Collection Until Validation Is Provided : If you can not provide proper validation, I request that you cease all collection activities and remove this alleged debt from your records.

Specifically, I do not want to be contacted via email or by phone ( call or text message ). I only want to be contact by mail in response to my request.

7. Credit Reporting Restrictions : If this alleged debt has been reported to credit bureaus, I request that it be updated as disputed by consumer under 15 U.S.C. 1681s-2 ( a ) ( 3 ).

I request confirmation that no negative information will be furnished to the credit bureaus during the validation process, per Regulation F guidance.

If you transfer or sell this account to another agency, they must also be informed of my dispute per 12 CFR 1006.30 ( d ) ( 1 ).

Next Steps Please provide a written response to this request within the timeframe required by law. If you fail to validate the debt, I expect you to cease collection efforts immediately. 
Thank you for your prompt attention to this matter. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as my third formal dispute and demand for correction regarding inaccurate personal information on my credit report, which remains unresolved despite two previous written communicationson XX/XX/XXXX XXXX, and XX/XX/XXXXXXXX  My correct and current personal information is : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX Date of Birth : XX/XX/XXXX In each of my prior letters, I included all required documentation under the Fair Credit Reporting Act ( FCRA ), including : A copy of my government-issued ID A utility bill verifying my current address A copy of my Social Security card Despite this, the inaccurate address remains on my report, and I have received no written response or evidence of a reinvestigation, which is a direct violation of your obligations under FCRA 1681i ( a ) ( 1 ). You are legally required to conduct a reasonable reinvestigation and respond within 30 days of receiving a dispute.

Additionally, continued reporting of inaccurate personal information violates the FCRA 's requirement to ensure the maximum possible accuracy of consumer data, as stated in FCRA 1681e ( b ). 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, 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