vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX https : XXXX Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX XXXX XXXX Bank Account Dear Sir/Madam , I am submitting a formal dispute regarding the reporting of an account by XXXX XXXX XXXX XXXX XXXX ( XXXX ) that contains inaccurate and unverifiable information in violation of the Fair Credit Reporting Act ( XXXX U.S.C. XXXX et seq. ) and the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX et seq. ). 

Account Details : Creditor/Collector : XXXX XXXX XXXXXXXX XXXX XXXX. 
Original Creditor : XXXX Bank C/O XXXX  Account Number : XXXXXXXX XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX Reported Status : Collection / Past Due Legal Violations Identified Inaccurate Dates ( FCRA XXXX ( b ), XXXX ( b ) ) The account lists a Date of First Delinquency ( XX/XX/XXXX ) that precedes the Date Opened ( XX/XX/XXXX ), which is a clear factual inconsistency violating accuracy requirements under federal law. 

Unverified and Misclassified Debt ( FCRA XXXX ( XXXX ) ; FDCPA XXXX ( b ) ) XXXX has failed to provide documentary evidence of the original account, payment records, or legal transfer of ownership from XXXX Bank XXXX Reporting an unverified balance violates the FDCPA validation requirement. 

Ongoing Reporting During Active Dispute ( FCRA XXXX ( a ) ( XXXX ) ( A ) ) Despite active disputes noted by Experian and Equifax, the account continues to report as Placed for Collection, which constitutes inaccurate and incomplete reporting during a reinvestigation period. 

Demand for Action Under the provisions of FCRA XXXX, XXXX and FDCPA XXXX ( b ), I respectfully demand that the Consumer Financial Protection Bureau : Require XXXX XXXX XXXXXXXX XXXX  and all credit reporting agencies to cease reporting this account until they provide verifiable documentation proving the debt and its lawful assignment. 

Remove or correct all inaccurate information, including inconsistent dates and classifications. 

Confirm in writing that the investigation has been completed and the disputed information has been removed or corrected as required by federal law. 

Enclosed are copies of my credit reports highlighting the disputed entries. Please acknowledge receipt of this complaint and advise on the next steps for resolution. 

Thank you for your time and attention to this serious matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an inaccurately reported collection account by CAINE WEINER ( Account ending in XXXX XXXX XXXX ), showing a high balance of {$500.00} and a date opened of XX/XX/year>. 

I have no knowledge of this account and have never opened, authorized, or received any notice or validation from CAINE WEINER regarding this alleged debt. The reporting of this collection account on my credit file is false, misleading, and unverifiable. 

Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX, and the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, debt XXXX and furnishers are required to provide proper validation and ensure only accurate, verifiable information is reported to the credit bureaus. CAINE WEINER has failed to furnish any proof that this alleged debt belongs to me. 

Despite prior disputes submitted to the credit bureaus, this inaccurate collection continues to be reported. I am therefore requesting the Consumer Financial Protection Bureau ( CFPB ) to conduct a full investigation into this matter and enforce compliance with federal consumer protection laws. 

I request that CAINE WEINER provide complete and verifiable proof of this alleged debt, including the original creditors information, signed contract, and supporting documents. If no such evidence exists, I respectfully request immediate and permanent deletion of this collection account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I formally dispute the accuracy and ownership of the XXXX XXXX XXXX Charge Off account ( Date opened : XX/XX/year>, Balance : {$1600.00} ). I assert this is an inaccurate entry that does not belong to me. 

I have attempted to dispute this entry twice ( around [ Insert Date of First Attempt ] and [ Insert Date of Second Attempt ] ) via Experians online platform. Despite my requests, Experian has failed to process the dispute and launch the mandatory investigation required by FCRA Section XXXX, effectively blocking my right to challenge unverified information. The system continually rejected my dispute or kept the status as 'Potentially negative '. 

I request the CFPB to intervene and compel Experian to immediately initiate a complete reinvestigation. If the creditor fails to verify the accuracy and ownership of this item within the statutory XXXX period, Experian must delete this negative entry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-11-11 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:
As someone who consistently adheres to payment schedules, I was surprised to discover a late payment notation on my account. This appears to be an error, and I would appreciate your prompt attention to rectify it and update my records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an inaccurately reported charge-off account by ALLY FINCL ( Account ending in XXXX XXXX XXXX XXXX ), showing a high balance of {$25000.00} and a date opened of XX/XX/year>. 

I have no knowledge of this account and have never opened, authorized, or maintained any account with ALLY FINCL. The reporting of this alleged charge-off is false, misleading, and unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information are required to report only accurate and verifiable data. Reporting a charge-off for an account that can not be substantiated constitutes a direct violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits the reporting of false or misleading credit information. 

I have previously disputed this account with the credit bureaus, yet it continues to appear without any proof or supporting documentation. Therefore, I am escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) to investigate and enforce corrective action. 

Requested Action : I respectfully request that ALLY FINCL provide complete and verifiable documentation confirming the validity of this alleged account, including the original application, signed agreement, and payment records. If such documentation can not be produced, I request the immediate and permanent deletion of this charge-off account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing. A complaint against Cash App ( Block XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer XXXX XXXX XXXX ( XXXX ). Specifically, Cash App failed to take timely and effective measure 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 XXXX These actions have caused significant inconvenience and financial loss, and I am seeking appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I filed a dispute with Experian regarding XXXX XXXX. I explained that XXXX did not verify the account and provide a promissory note. On XX/XX/year>, Experian notified me that the dispute had been completed and the account verified. Experian did not provide their method of verification as they are lawfully supposed to do so. This is in violation of the FCRA and should be investigated as soon as possible. In addition, who did they speak and verified the 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 2025-11-11 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting a formal complaint against [ EQUIFAX ] for continuing to report inaccurate and unverifiable information on my credit report, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). 
On [ Date of credit report ], I identified discrepancies in the following account : Account Number : [ XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Issue : [ Describe inaccuracies such as incorrect balance, wrong status, inconsistent dates ] I submitted a dispute directly with the credit bureau and requested a reinvestigation pursuant to : FCRA Section 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and receive a reinvestigation within 30 days FCRA Section 609 ( a ) ( 1 ) ( A ) : Right to request original documentation for verification ( e.g., signed consumer contract ) FCRA Section 623 ( a ) ( 5 ) : Requirement to delete any information that can not be verified with the original creditor FCRA Section 1681e ( b ) : Obligation to ensure maximum possible accuracy in reporting Despite my detailed request, the bureau failed to conduct a proper reinvestigation within the 30-day period, and the disputed information remains on my report. This inaction has negatively affected my credit profile and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint to request full validation of a debt reported by LVNV Funding LLC on my credit report that I do not recognize. 
The account in question is listed under LVNV Funding LLC, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with an alleged balance of {$620.00}. I have never received any documentation or notice from this company establishing the origin, balance, or ownership of this debt. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am formally requesting that LVNV Funding LLC provide complete documentation validating the debt, including but not limited to : The name and contact information of the original creditor ; A copy of the original signed agreement or contract ; An itemized statement showing how the alleged balance was calculated ; and Proof of ownership or assignment of the account to LVNV Funding LLC.

Until such validation is properly provided, LVNV Funding LLC must cease all collection activity and stop furnishing this account to any credit reporting agencies, in compliance with FDCPA 809 ( b ) and FCRA 623 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: NJ

Complaint narrative:
On XX/XX/year> I requested validation of the alleged debt under 15 U.S.C. 1692g. You failed to respond within 30 days, yet the account remains reported to the 3 credit bureaus.

Continuing to report an unverified debt violates 15 U.S.C. 1692e ( 8 ) and 15 U.S.C. 1681s-2 ( b ). You must cease reporting this account and instruct the credit bureaus to delete it immediately or I will pursue further remedies.

I am attaching the original debt validation letter request which was sent certified mail as well as the receipt of that certified mail, and bbb complaint. the phone calls stopped but the false reporting has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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