vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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:
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 non-monetary relief
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
My recent credit record review revealed late payment entries that I believe are incorrect, yet despite sending formal validation request letters over 30 days ago, I've received no response whatsoever. This prolonged silence and failure to provide satisfactory validation of these alleged late payments is particularly troubling as these negative entries continue to damage my credit score and limit my financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXL Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am filing this complaint against LVNV Funding LLC for continuing to report a collection account on my credit report without providing any verification or documentation of the alleged debt. 

I submitted a formal dispute on XX/XX/scrub> 2025 requesting validation of the account they claim to have purchased from XXXX  XXXX. I specifically requested a signed contract, full billing history, and legal documentation proving assignment of the debt. 

LVNV has failed to provide any such documents. The account remains on my report and continues to damage my credit despite being unverified, inaccurate, and incomplete.

This violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) : 1681s-2 ( b ) : Failure to validate or investigate disputed data 1681e ( b ) : Inaccurate and unverified reporting 1681c-2 : I am asserting my right to block unverifiable information within 4 business days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account. I did not open or authorize this account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I therefore request that it be closed immediately. absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.

Enclosures : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to inform XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX of these fraud accounts. Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TN

Complaint narrative:
Complaint Title : Cash App Is Illegally Holding {$14000.00} Im XXXX, Rent Is Due, and School Is Starting Complaint Description : Cash App ( Block, Inc. ) is currently holding {$14000.00} of my money with no access to send, withdraw, or use my funds. My account has been frozen for several days, and I have received no timeline or meaningful support from their customer service team. 

This situation is critical. I am XXXX  months XXXX, going on XXXX, with children preparing to start school, and my rent is due now. Every dollar I have is locked in this account. I have no access to basic necessities, and this has put my household under extreme emotional and financial stress. 

Ive contacted Cash App multiple times with no clear resolution. Ive received vague responses, no updates, and no urgency despite explaining my circumstances. This is unacceptable, especially for a company handling peoples livelihoods. 

I am not asking for anything unreasonableI just want my own money. No one should be forced to suffer in silence while a tech company holds over {$14000.00} of their hard-earned income without justification. 

Desired Resolution : I need immediate release of all my funds and written confirmation that I can safely access and use my balance without further interference. If additional documentation is needed, I am ready to comply right away. 

Account Holder Name : XXXX XXXX Amount Locked : {$14000.00} XXXX XXXX XXXX XXXX XXXXXXXX Cash App Support Contact Attempts : Yes multiple emails and in-app messages with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am a verified identity theft victim and am actively engaged in litigation related to the illegal reinsertion of fraudulent accounts that were previously blocked and removed from my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ), I formally requested the blocking and deletion of multiple fraudulent student loan and credit accounts that appeared on my Experian and Equifax credit files. These were the result of identity theft stemming from the Equifax data breach, which is now a matter of federal record.

After a compliant and documented dispute, both Equifax and Experian previously removed the fraudulent accounts and issued updated reports acknowledging this removal. However, on or around XX/XX/XXXX XXXX, Experian and Equifax reinserted the previously deleted data without legally required notice under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) a clear and direct violation of the Fair Credit Reporting Act.

According to FCRA, if a CRA reinserts previously deleted information, they are required by law to notify the consumer within 5 business days. No such notice was provided. Instead, I received a vague, non-compliant email implying I " should have known '' about the disputed accounts a statement that not only lacks legal merit but constitutes a material misrepresentation.

I am currently in the litigation process and pursuing legal remedies under FCRA for these violations. My attorney has cited the following precedents in our ongoing action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Established that inaccurate reporting due to reinsertion can constitute willful noncompliance with the FCRA. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX that failure to notify the consumer of reinsertion is a direct FCRA violation and grounds for statutory and punitive damages. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Found that failure to conduct reasonable reinvestigation or notify consumers regarding disputed entries is actionable under FCRA 1681i. 

These CRAs have shown willful disregard for federal law, have ignored my FTC Identity Theft Report and supporting documentation, and are complicit in further harming my credit profile by unlawfully restoring false data jeopardizing not just my financial well-being but violating my rights under federal consumer protection law.

I am formally demanding the immediate and permanent deletion of the reinserted fraudulent accounts, notification of all furnishers involved, and a full audit trail of the reinsertion process.

Failure to resolve this will result in the expansion of our litigation to include additional claims for damages under FCRA 1681n and 1681o.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
It is unacceptable that public records appear on my credit report. This is causing me significant anxiety, and I urgently request that they be removed without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: NC

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: CT

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: MO

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. 

XXXX XXXX XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Prior to my vacation I made a payment of {$2000.00} and {$4000.00} to my credit card which was not over the credit limit to assure I had enough credit while on vacation. The CC company lowered my revolving credit without informing me first based on an issue I was having with my mortgage and claimed I was over 60 days behind. Which I was not. They sent a letter on XXXX which they said would take XXXX business days informing me of their decision to lower my credit line amount but lowered it without waiting for me to be informed. So now I am on vacation and the fact that I have given them {$6000.00} and was well under my previous credit limit and also have been in good standing with them doesn't matter because of an issue they only know about based on a credit report that isn't current. I called to express that they shouldn't have unilaterally lowered my credit without prior alert and they basically told me they can do whatever they want.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
Recently, I did an investigation of my credit report and found items on there to be inaccurate.

Under 15 US CODE 168, accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable preocedures to assure maximum possible accuraty of the information concering the individual about whon the report relates. 

Please remove the following items from my credit report immediately : XXXX XXXX  Account # XXXX Amount : {$6800.00} Date : XX/XX/year> XXXX, XXXX. 
Account # XXXX amount : {$0.00} XX/XX/year> XXXX XXXX Account # XXXX amount : {$2600.00} Date : XX/XX/year> XXXX XXXX  Account # XXXX Amount : {$5000.00} XX/XX/year> XXXX XXXX XXXX Account # XXXX Amount : {$3000.00} Date XX/XX/year> XXXX XXXX XXXX  Account # XXXX Amount : {$520.00} Date XX/XX/year> XXXX XXXX XXXX Account # XXXX Amount : {$0.00} Date XX/XX/year> XXXX XXXX Account # XXXX Amount : XXXX Date : XX/XX/year> XXXX XXXX XXXX Account # XXXX Amount {$1900.00} Date XX/XX/year> XXXX XXXX XXXX Account # XXXX Amount {$460.00} Date : XX/XX/year> XXXX XXXX Account # XXXX Amount {$480.00} Date XX/XX/year> XXXX XXXX XXXX Account # XXXX Amount {$160.00} Date XX/XX/year> XXXX XXXX XXXX Account # XXXX Amount Owed {$620.00} Date XX/XX/year> XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NH

Complaint narrative:
Recently, I did an investigation of my credit report and found items on there to be inaccurate.

Under 15 US CODE 168, accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable preocedures to assure maximum possible accuraty of the information concering the individual about whon the report relates. 

Please remove the following items from my credit report immediately : XXXX XXXX  Account # XXXX Amount : {$6800.00} Date : XX/XX/year> XXXX, XXXX. 
Account # XXXX amount : {$0.00} XX/XX/year> XXXX XXXX Account # XXXX amount : {$2600.00} Date : XX/XX/year> XXXX XXXX  Account # XXXX Amount : {$5000.00} XX/XX/year> XXXX XXXX XXXX Account # XXXX Amount : {$3000.00} Date XX/XX/year> XXXX XXXX XXXX  Account # XXXX Amount : {$520.00} Date XX/XX/year> XXXX XXXX XXXX Account # XXXX Amount : {$0.00} Date XX/XX/year> XXXX XXXX Account # XXXX Amount : XXXX Date : XX/XX/year> XXXX XXXX XXXX Account # XXXX Amount {$1900.00} Date XX/XX/year> XXXX XXXX XXXX Account # XXXX Amount {$460.00} Date : XX/XX/year> XXXX XXXX Account # XXXX Amount {$480.00} Date XX/XX/year> XXXX XXXX XXXX Account # XXXX Amount {$160.00} Date XX/XX/year> XXXX XXXX XXXX Account # XXXX Amount Owed {$620.00} Date XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
CashApp, aka XXXX, a subsidiary of XXXX XXXX, retaliated against me by threatening to close my account after filing a dispute which included a police report. Furthermore, on XX/XX/year>, they canceled my card without my authorization and will not allow me to open a new one. Moreover, I have noticed many irregularities regarding balance reconciliation, whereby it appears money is disappearing. I am fearful they are simply a giant scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc.
State: MA

Complaint narrative:
CashApp sent me an offer of {$10.00} off a {$10.00} purchase with their debit card. I tried to use the card for a purchase on XX/XX/year>25, but the transaction did not go through. It was a multi-payment transaction where the payment from CashApp was first, but then another payment failed, and so the whole transaction failed. A minute later I successfully made a {$10.00} purchase with CashApp, but CashApp did not apply the {$10.00} discount. CashApp claims that the {$10.00} discount was used on the transaction that failed. They also claim that the transaction actually got processed but was immediately refunded. Even if this is the case, I should have seen a {$0.00} purchase and a {$10.00} refund. However, there is no {$10.00} credit on my account, and CashApp refuses to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
I am formally disputing the accuracy of an account listed on my credit report. This account is fraudulent, and I have no association with it whatsoever.

Company response to consumer: Closed with explanation