vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have an account Experian XXXX XXXX digital checking with a balance of {$1400.00}, which they closed for no reason, and they are refusing to provide a refund. It's been five months since this happened. One agent even told me they are not going to give me my money. Please help 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 explanation
Consumer complaint received 2025-10-22 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: SC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-22 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: IL

Complaint narrative:
According to 15 USC 1681, I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus, and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested, even with my other complaint ; they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. 
Unathroized hard inquiries listed on Transunion report : " XXXX XXXX XXXX XX/XX/year>, XXXX ( XXXX XXXX XXXX, XXXX, GA 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 2025-10-22 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: IL

Complaint narrative:
This letter serves as my final notice and formal dispute regarding the charge-off accounts that have been previously disputed multiple times yet continue to be reported on my credit file. These repeated inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically sections 1681i ( a ) and 1681s-2 ( b ), which require that all information furnished and reported be accurate, verifiable, and updated.

Despite my prior disputes, the listed charge-off accounts remain unverified and inaccurately reported. If these accounts can not be fully and lawfully verified through documented evidence from the original creditor not merely automated or third-party responses they must be permanently deleted from my credit reports with all consumer reporting agencies pursuant to FCRA 1681i ( a ) ( 5 ).

Continuing to report unverifiable or previously disputed information constitutes willful noncompliance under FCRA 1681n, subjecting both the furnisher and the credit reporting agency to legal liability and damages. I have made multiple good-faith efforts to resolve this matter, and your continued reporting without verification represents a violation of my consumer rights.

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Westlake Services, LLC
State: UT

Complaint narrative:
Westlake portfolio management XXXX XXXX started sending me emails on XX/XX/XXXX that said I had just had a call with them and to setup my account online. XXXX is the account number they sent associated with it. Assuming it was a phishing scam I ignored it. Then yesterday I got an email saying I owe XXXX dollars and my first payment of XXXX is due in the next few days. 
I called the company to clear up that I have no loan with them, but to look into it, they want a bunch of my personal info which Im unwilling to give them. XXXX of their numbers wont even get you to speaking with a human until I give it the end of my ssn or phone number. They say they cant tell me anything about the loan I have with them until I verify my account info, and to file a complaint, I would have to set up my online account. Somehow I apparently have a loan without having set up an account. 
Im still fairly confident this is some kind of scam, but unsure how to confirm that or resolve it without giving them any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NC

Complaint narrative:
I have {$600.00} on my cashapp after my cashapp was closed I was asked to link a bank or debit card I tried linking all my debit cards but all were denied I linked all my banks I could lay hands on all were also denied for no good reason I was asked to link a debit card I linked in XXXX but I told them I do not have this card anymore has its been stolen and not active anymore I requested for a check to be sent to me but they wouldnt listen now this has been going on and on for a while now and they still wouldnt give me back my money Im sick and currently on the hospital which that money was going to cover my medical bills please I need this money back otherwise Im cooked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
In XXXX our XXXX serviced by XXXX XXXX was sold to Alliant Credit Union. We called and tried to make the payment for XXXX to XXXX and couldn't. We then contacted Alliant Credit Union and they said they did not have a loan number yet and that we had a 60 day grace period so we did not need to pay. The grace period ends XX/XX/XXXX. Today we received a letter dated XX/XX/XXXX saying if we didn't make the entire payment by XX/XX/XXXX they would begin foreclosure proceedings. We finally got ahold of someone in their collections department that said he could take the payment but could not assure that it wouldn't hurt our credit scores or show a missed mortgage payment times 2. I believe Alliant Credit Union is trying to get borrowers to default on these loans by making it impossible to make a payment and then starting foreclosure proceedings on the unsuspecting borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-22 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-22 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ACIMA CREDIT, LLC
State: OK

Complaint narrative:
XXXX XXXX XXXX has been contacting me and multiple members of my family regarding an alleged debt. They called from private or blocked numbers and left claim numbers with my relatives, which disclosed details about a supposed claim against me. This violates the Fair Debt Collection Practices Act ( FDCPA ), which prohibits contacting third parties about a debt except for location information. 

When I finally reached the agency, the representative stated that they were seeking to file a claim and were not collecting a debt, but later admitted that it was in fact a debt collection matter. They told me that they would not provide any written documentation of a payment arrangement or debt validation, even after I requested proof of the debt and the agreement in writing. 

During the call, the representative also stated that if I missed one payment, they would take me to court. To date, no lawsuit has been filed, so this appears to be a false threat of legal action under 15 U.S.C. 1692e ( 5 ). They further refused to confirm the debt in writing, violating 15 U.S.C. 1692g ( a ).

These actions caused confusion and stress for me and my family, and appear to violate multiple provisions of the FDCPA, including : Contacting third parties and disclosing details of a debt ( 1692b and 1692c ( b ) ) Making false or misleading representations about legal action ( 1692e ) Failing to provide written notice and validation of the debt ( 1692g ) I have recordings of the calls that support my complaint. I would like XXXX XXXX XXXX to : Cease all contact with my relatives and only communicate with me in writing. 

Provide full written validation of the debt and proof of authorization to collect. 

Refrain from making any false or threatening statements about court actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have been a victim of identity theft and to formally dispute several fraudulent items on my XXXX  credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), I have the right to request that any information resulting from identity theft be blocked and deleted from my credit file. I am invoking my rights under this law and requesting immediate action to delete and block the fraudulent accounts and inquiries listed below from my credit report. 
As required by FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I am providing the necessary documentation to facilitate this request. Enclosed with this letter is an Identity Theft Report filed with the Federal Trade Commission ( FTC Identity Theft Report ) attesting to the theft of my identity. I have also included a copy of my government-issued identification to verify my identity. These documents fulfill the requirements of proving my identity, demonstrating that identity theft occurred, and identifying the fraudulent information in question. 
The following accounts and inquiries on my XXXX  credit report are fraudulent and were opened or initiated without my knowledge or consent. They are not associated with any transaction I have made. I request that XXXX  immediately block reporting of these items and delete them from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) : PORTFOLIO RECOVERY ASSOCIATES ( Closed account ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: MD

Complaint narrative:
This account does not belong to me and has been reported inaccurately.

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 2025-10-22 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: MA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX 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

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2025 approximately from XXXX to XXXX. I went to Citi bank on XXXX XXXX, XXXX, NY and I made a deposit of XXXX and the atm just took the money and it never deposited it to my account. I reached out to the Branch Manager and she said she couldnt do anything to help just to call the back number of the debit card. I called CitiBank XXXX line and Now the bank wants to do an investigation but are not doing their job to resolve the problem. I called customer service again today XX/XX/2025 and they are saying they are investigating it and it will take up to 45 days to fix it. Which is an insane amount of time. Im worried as to I dont know what to do anymore and no one to hold them accountable.

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 monetary relief
Consumer complaint received 2025-10-22 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: MA

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. Convergent Account has violated my rights, Hard Inquiries : XX/XX/XXXX XXXX  XXXX BANKING XX/XX/XXXX XXXX  XXXX BANKING * Late payments and Charge Off to remove XXXX XXXX XXXX XXXX : XXXX - XXXX to XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XX/XX/XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX account : XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 I

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 2025-10-22 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) 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 30 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