vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures 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 E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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:
I am writing to dispute fraudulent information reported on my credit file pursuant to 15 U.S.C 1681c-2 and to request that this fraudulent information be blocked immediately. Enclosed is a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to substantiate my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, the credit reporting agency must block any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. The following account on my credit report is the result of identity theft and should be blocked immediately : Fraudulent Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX * * * * Account Type : Installment / Auto Lease Balance : {$50000.00} High Credit : {$23000.00} Status : Collection/Chargeoff ( XXXX and Experian ) Date Opened : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Experian ) Past Due Amount : {$50000.00} Last Payment Date : XX/XX/XXXX Last Activity Date : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Experian ) Last Reported : XX/XX/XXXX Comments XXXX XXXX : XXXX Charged off as bad debt, Dispute resolved; customer disagrees '' Experian : " Subscriber reports dispute resolved - consumer disagrees '' As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The account was charged off in XX/XX/year>, which is well within XXXX  days after becoming delinquent. According to federal regulations, open-end accounts like credit cards should be charged off after XXXX  days of delinquency. This premature charge-off resulted in inaccurate reporting on my credit report, causing harm to my credit score. 
Additionally, the delinquency history and charge-off dates are inconsistent, making it difficult to understand when this account truly went into default and when it was officially charged off.I have attempted to resolve this directly with XXXX XXXX and the credit bureaus without success. I am requesting CFPBs assistance in investigating this matter and ensuring the incorrect charge-off is either removed or corrected to meet federal standards. 

Attached are the relevant documents, including a copy of my credit report, proof of my identity, and proof of my address. 

Thank you for your assistance in this matter. I look forward to a prompt resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: VA

Complaint narrative:
I am not liable for this debt with XXXX XXXX I dont have a contract with this collection agency they also did not provide a contract or itemized bill as requested please remove off credit report and check my report for all inaccuracies and remove and check for accuracy my auto loan is also reporting inaccurate causing it to effect my credit worthiness please update or remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On or around XX/XX/year>, I used my card while on vacation in XXXX XXXX to pay what I understood to be a cab fare of approximately XXXX XXXX. The driver presented a card reader, and at no point did he inform me that I was being charged in US dollars, nor was I shown or given a receipt. I later discovered I had been charged that same amount not in pesos but in dollars by an unknown vendor listed as : XXXX XXXX XXXX XXXX  I never knowingly authorized a charge in that amount or currency. This was either a case of currency deception or unauthorized billing, and I believe it violates card network rules requiring clear disclosure of currency conversions and amounts. I have no relationship with this vendor and no ability to contact them directly. 

Capital Ones response, that the case is closed due to a lack of receipt, does not adequately address the fraudulent nature of the charge. I can not contact the merchant, as Capital suggests in its above referenced letter, to work directly with them. 

Also when I spoke to a Capital One representative on the phone XX/XX/XXXX from XXXX XXXX, he informed me that I would be sent a form requesting additional information, such as a receipt or name of the cab company. I told him that I didnt possess that information and he responded that in that case I could leave that information blank. As a result, I opted not to fill out the form and that is the reasoning youve given me for denying my claim. Had I imagined that this would be a pretext for the denial, I would never have chosen not to fill it out, even though I had no additional information to give. For that reason, I feel that the information I was given over the phone was inadequate. 

This is not a case of buyers remorse or a misunderstanding. Its a common tourist scam, and I believe your reconsideration is warranted under billing error protections or merchant misrepresentation provisions of your cardholder agreement. I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) as this situation involves clear predatory behavior and should not be held against me, the customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-27 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: AR

Complaint narrative:
In XX/XX/year>, I sent notarized, written disputes to TransUnion, Experian, and Equifax, requesting verification of multiple accounts appearing on my credit reports. I cited my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ), requesting the method of verification, including the business name, address, and phone number of any data furnishers. I also disputed these accounts via the companies ' online platforms.

Despite multiple good faith efforts, including written requests and online disputes, I have not received any responses within the timelines required by the FCRA. The unverified accounts including XXXX XXXX XXXX XXXX XXXX XXXX, and others remain on my reports. 

Under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the FCRA, any information that can not be verified must be promptly deleted. The companies ' failure to verify or remove this information has caused harm to my credit profile. I am requesting the CFPB assist in ensuring these companies comply with the FCRA by deleting the accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: AR

Complaint narrative:
In XX/XX/year>, I sent notarized, written disputes to TransUnion, Experian, and Equifax, requesting verification of multiple accounts appearing on my credit reports. I cited my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ), requesting the method of verification, including the business name, address, and phone number of any data furnishers. I also disputed these accounts via the companies ' online platforms.

Despite multiple good faith efforts, including written requests and online disputes, I have not received any responses within the timelines required by the FCRA. The unverified accounts including XXXX XXXX XXXX XXXX XXXX XXXX, and others remain on my reports. 

Under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the FCRA, any information that can not be verified must be promptly deleted. The companies ' failure to verify or remove this information has caused harm to my credit profile. I am requesting the CFPB assist in ensuring these companies comply with the FCRA by deleting the accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX, I mailed a debt validation request to Spring Oaks Capital regarding an alleged XXXX XXXX  loan. They received it on XX/XX/XXXX. After no full validation was provided, I mailed a second certified validation letter on XX/XX/XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), Spring Oaks Capital was required to provide full validation, including proof that the debt was mine, a detailed breakdown of the balance, and documentation showing their authority to collect. Spring Oaks Capital provided only partial documentation and did not satisfy the full validation requirements. Despite this, they continue to report the debt to XXXX XXXX XXXX XXXX, in violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: MI

Complaint narrative:
Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED To : Equifax Information Services, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX, XXXX, XXXX XXXXXXXX TransUnion Consumer Solutions XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Dispute and Request for Immediate Removal of Inaccurate Information under 15 U.S.C. 1681c-2 To Whom It May Concern : I am writing to formally dispute and request the immediate removal of certain inaccurate and/or fraudulent accounts currently appearing on my consumer credit reports, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2. 
The following accounts are being reported inaccurately and without proper authorization, and must be permanently blocked and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information associated with these accounts does not belong to me, XXXX XXXX XXXX, nor have I authorized or participated in any transactions related to these accounts. As such, these entries are the result of identity theft, misidentification, or other reporting errors. 
In compliance with 15 U.S.C. 1681c-2, I am requesting the following : 1. 2. 3. Immediate blocking and deletion of all disputed accounts from my credit file. 
Written confirmation that these accounts have been permanently removed. 
Prevention of any future reinsertion of these accounts without following the strict reinvestigation and certification procedures required by law. 
Attached are copies of : My government-issued identification ( Drivers License ) Please complete the reinvestigation within the required timeframe and provide a written response. 
Failure to properly block and remove the disputed information will result in the filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action to enforce my rights under federal law. 
Thank you for your prompt attention to this serious matter. 
Sincerely, Signature : _______________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( 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 non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
* LVNV Funding LLC has been involved i9n multiple legal actions alleging violations of the FDCPA, 15 U.S.C. 1692 et esq. Please investigate this account for accuracy and compliance with the FDCPA and FCRA. 
LVNV Funding LLC ( Original Creditor : XXXX XXXX XXXX  ) Account Status : Collection Account Balance : {$700.00} According to 15 U.S.C. 1681i ( a ), consumer reporting agencies are required to investigate disputed information and remove any information that can not be verified. I have identified the following items to be inaccurate or unverifiable.Federal law also states that the following debt must be removed as per federal law since each of them is related to the CFPB, Regulation V, senate bill 5480.

Remove all debt on my credit report that has been resolved and/or discharged through IRS reporting , specifically via Forms 1099-OID, 1099-C, and 1099-A. These forms reflect debt cancellation and acquisition activity under federal regulations. As such these entries should be removed from my credit report pursuant to the FCRA, which requires accurate and verifiable reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am writing to report an unjustified and sudden cancellation of my American Express XXXX XXXX XXXX XXXX account, which Ive held for over 15 years with a flawless history and significant spending. 

On XXXX XX/XX/year>, my account was abruptly terminated without prior notice. It was cancelled on that same time I received the email, effectively immediately. I was told vaguely that the product is being discontinued, yet no official announcement supports this. Furthermore, one of Amexs support agents confirmed to me directly that there have been no changes to the International Dollar Card ( IDC ) product and that new cards are still being issued. Site doesn't mention anything : https : //www.americanexpress.com/en-idc/ This unexpected cancellation caused serious problems, as my two daughters are currently traveling in XXXX and were left without access to the card for essential expenses, without any warning. Including Hotels booking and flight bookings. To my knowledge, there has been no misuse or violation of terms, and Ive always maintained an excellent standing, with over USD XXXX spent and paid on the card. 

We comply with every condition as per their terms and conditions for this product. 

I am requesting : - A written explanation of the reason for the cancellation. 
- XXXX assistance or resolution. 
- Clarification on whether this is part of a product change and, if so, why customers were not informed - If this is indeed a product discontinuation, why would they cancel without any warning, instead of a proper months of notice so one can prepare accordingly. They even charged my a month ago the full 2025 year membership fee. 

I consider this a severe breach of trust and customer service and am seeking urgent support through the CFPB, specially while my daughters are abroad.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
XXXX  Email XX/XX/year> : I received an email from XXXX  about a current statement. The email indicated I had an account ( user name, date opened, etc, ) but I have no recollection of this account. Tried multiple times to retrieve info using password reset, chat function, help menus, direct phone call ) but no one responded. Their customer service is USELESS! I don't want XXXX  but can't seem to do anything to make sure the account is closed/cancelled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
I was hospitalized in XX/XX/year> for 5 days, the medical bill came in the mail for {$45000.00} and they said I didnt have health insurance and thats why it was that amount but I did have health insurance. I have had XXXX health insurance for the past 4 years. I have tried to dispute it twice and explained to them that it was false because I did have insurance. They denied it both times. The companies involved are professional creditors phone number ( XXXX ) XXXX. The hospital is XXXX XXXX in XXXX XXXX, XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation