vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: MN

Complaint narrative:
I am submitting to formally dispute inaccurate and potentially misleading information appearing on my credit report regarding four accounts currently reported with unclear or vague status designations that may be interpreted as Late Open. This designation is vague, lacks an industry-standard definition, and may violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to credit reporting agencies be accurate, complete, and not misleading ( 15 U.S.C. 1681i ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$960.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$35000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ohio XXXX XXXX XXXX XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX This is a request for debt validation and removal of unverified amount. 

Dear XXXXXXXX XXXX, or to whom it may concern, I am writing in response to your claim that I owe a debt in the amount of {$1800.00}, which I understand is allegedly related to XXXX XXXX XXXX. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this debt. Please provide the following information : The name and address of the original creditor.

The amount of the debt, including a detailed breakdown of any interest, fees, or other charges. 
Documentation showing that I am legally obligated to pay this debt. 
A copy of any judgment, contract, or agreement bearing my signature that verifies my responsibility. 
Until this information is provided, you must cease all collection activities and not report or must delete any unverified information from my credit reports with XXXX XXXX XXXX XXXX 
If you can not provide proper validation, I request that you immediately remove any negative or pending amount related to this account from my record and confirm this action in writing. 
Please respond to this request within 30 days of receipt, as required by law. All future communication regarding this matter should be made in writing only to the address listed above. 
Thank you for your prompt attention to this 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 2025-10-23 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: GA

Complaint narrative:
I am submitting to you with respect and concern regarding the accuracy of several entries appearing on my credit report. Over the years, I have worked very hard to maintain good credit standing, and I value the integrity of my financial history. Recently, upon carefully reviewing my credit file, I noticed that several accounts are showing late payments and delinquencies that I strongly believe to be inaccurate, incomplete, or unverifiable. Because I take my financial obligations seriously and maintain detailed personal records of my payments, I am requesting a full reinvestigation of the following accounts under the provisions of the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX * * Balance Owed : {$250000.00} Date Opened : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-23 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: PA

Complaint narrative:
I contacted cash app and told them I didnt have access to my sponsor so they could check and see if they could verify their identity in case my account was under review I dont have my sponsor number or none of their contact information so I asked could they change my account sponsorship over to my dad since I talk to him more and he would be willing to help me with my cash app sponsorship stuff. Im almost XXXX in just a little over a month and the support team is treating me like I have no rights whatsoever over the account that I work to make money and put on the account not my sponsor money my money and all my disputes was for actual reasons I never did a dispute without having a reason or proof to back up my claims. I save money on there and buy stuff and when I asked cash app was my account under review a couple days ago before this even happened when I couldnt unlock my card they told me no I locked my card myself when I didnt and it wouldnt let me unlock it and they kept saying my account wasnt under review and even if I knew my account was under investigation I told them I didnt have access to my sponsor to tell them to verify their identity so my account wouldnt be closed my sponsor refuse to talk to me or help me out whatsoever which is a violation of cash apps guidelines and fall under bullying, and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-10-23 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: DISCOVER BANK
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XXXX was accidentally sell to the wrong number but the name wasn't even correct and I tried to dispute with the bank and they're not helping me get back the money usually the name has to match with the number it was a mistake that I didn't make and someone else has my money now man Huntington Bank isn't making it right with me giving me a big hassle I would appreciate it if I could get this fixed I've already disputed it but nothing has been fixed and I'm very upset

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascent Holding Co
State: TX

Complaint narrative:
I have been a XXXXXXXX XXXX XXXXXXXX XXXX XXXX since XX/XX/year>. I have taken a Loan with Ascent funding to attend the classes. The Program was marketed to me as a go-at-your-own-pace program where I could learn to code. I was intrigued and joined a call with an advisor. When I spoke with him, he also informed me that as long as I continued to pay the loan, I would receive lifetime access to a XXXX  server and a XXXX page featuring lessons from XXXX mentors to learn from. I had joined the program and started the lessons, on and off again, because of my Full-time job at XXXX XXXX XXXX  I had recently been let go from XXXX XXXX XXXXXXXX and joined XXXX  part-time to complete some lessons and pursue my dreams.I had completed some lessons and seen that my assignments were not getting graded. After two weeks, I received gotten notification today that the CEO of XXXX, XXXX XXXX, had fired many of the XXXX and all of the XXXX XXXX My assignments wouldn't get graded, and after I joined the XXXX in showing my displeasure at this, and a future where the program would no longer teach coding, instead focusing on " no solutions ", my access to the XXXX was revoked, and I was kicked. This was in direct violation of the contract I had signed, both with XXXX and Ascent funding. I was willing to continue with the XXXX, but the deceitful actions of the CEO and his treatment towards staff, XXXX XXXX XXXX, and going against the terms of XXXX have hurt me personally, and I no longer wicontinuentuine and be a part of XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
All I want is for the inaccurate accounts to be taken off and blocked from my credit report as fast as possible. I am praying this can be done so I can finally breathe and escape the stress this has brought into my life.

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 2025-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Ascent Holding Co
State: RI

Complaint narrative:
Was like many people deceived into taking a loan with Ascent Funding to pay for course with XXXX run by XXXX XXXX. 


I joined XXXX back in XX/XX/year> and was promised that I could " earn while you learn '' While I received some classes I was given no help in trying to secure employment. 


I am currently unemployed and can not afford payments and will not be able to in the near future. 

It seems very likely XXXX may be closing shortly because of a large number of complaints through this agency and elsewhere. Since XXXX was only reason to have loan I ask that the loan be considered null and void and removed from present and future credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: PA

Complaint narrative:
I request to learn about the verification process according to the Fair Credit Reporting Act ( FCRA ) [ 15 USC 1681i ]. The information must be removed immediately unless its accuracy is legally and properly established.

My financial privacy is protected by the Gramm-Leach-Bliley Act [ 15 USC 6802 ], and the FCRA [ 15 USC 1681 ( 4 ) ] validates the importance of safeguarding consumer credit data. Under section 15 USC 1681b ( 2 ), there is no valid permissible purpose to include unauthorized information on this consumer credit report. As XXXX XXXX did not consent to this action, their privacy has been violated. 
Additionally, 18 USC 1028a addresses the criminal offense of identity theft. Under these circumstances, the credit bureau must take immediate action to rectify the unauthorized access. As outlined in [ 15 USC 1681c2 ], credit reporting agencies must cease reporting information obtained through identity theft or unauthorized access. These transactions were not approved by XXXX XXXX, and therefore a formal investigation is requested with complete removal of any incorrect data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am sending to formally request that you immediately block the reporting of a fraudulent account that has appeared on my credit file. This situation has caused me serious concern and distress, as I have always taken great care to protect my personal and financial information. Under FCRA 605B, I have the right to have any information resulting from identity theft promptly blocked from my credit report. In addition, FCRA 609 ( a ) ( 1 ) gives me the right to full disclosure of all information in my credit file so I can identify and address any fraudulent activity. FCRA 611 ( a ) ( 1 ) requires that credit bureaus conduct a reasonable investigation when a consumer disputes inaccurate or fraudulent information. FCRA 611 ( a ) ( 5 ) ( A ) also mandates that unverifiable or fraudulent data be permanently blocked from a consumers file after investigation. Finally, FCRA 1681e ( b ) obligates credit bureaus to ensure maximum possible accuracy in all reported information. I am therefore exercising my rights under the FCRA and requesting that this fraudulent account be blocked immediately and that written confirmation be provided once the action is complete .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am disputing an unauthorized hard inquiry that appears on my TransUnion credit report. I did not authorize this inquiry and request verification of permissible purpose under the Fair Credit Reporting Act ( FCRA ) 604 and 611. 
XXXX Inquiry date : XX/XX/year> Please verify that this inquiry was made with my written authorization or a legitimate permissible purpose. If it can not be verified as authorized, it must be removed immediately from my credit report. Please provide written confirmation of your findings and an updated copy of my report. 

The FTC complaint system is currently unavailable due to the federal government shutdown. This CFPB complaint serves as my formal submission and dispute request under the Fair Credit Reporting Act ( FCRA ) to verify or delete the disputed information.

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