vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NM

Complaint narrative:
On XX/XX/year>, I sent {$500.00} via XXXX using Cash App. I later discovered I was the victim of a scam. I immediately contacted Cash App to dispute the transaction and provided evidence, including chat messages with the scammer showing I was unaware of the fraudulent nature of the funds. This dispute ( XXXX ) has not been investigated nor has the transaction been reversed. 

I also appealed my originally denied dispute for this {$500.00} transaction with XXXX XXXX XXXXXXXX ( case # XXXX ) but ultimately they denied my appeal. They informed me the merchant ( Cash App/Block , Inc. ) did not return the funds and that I needed to follow up with them to dispute the transaction. 

After receiving a denial letter for my appeal I escalated the issue by emailing Cash App executives ( XXXX XXXX and XXXX ), but all responses directed me back to the support chat. I then reached out to Cash App Support Chat and was provided with a case number ( XXXX ) but has refused to investigate or reverse the transaction. Their response has been generic, stating that XXXX transactions are irreversible and directing me to prevention tips for future use. This does not address my situation or provide any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have multiple inquiries from Capital one that is coming from Equifax on my credit report for the months of XXXX. I have put a freeze on all my reports. I am in the middle of a mortgage and can not have any inquiries. I alerted capital one that wasnt me and to please cancel that application and remove the inquiries. They still have not done it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am requesting that the XXXX XXXX XXXX be removed from my TransUnion, Experian and Equifax credit report. The debt is not mine. The personal information that they have on file does not match mine. I have explained this to the company but yet they refuse to remove it from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: RI

Complaint narrative:
Consumer Complaint Statement XXXX XXXX XXXX XXXX vs. Experian Misreporting of as Monthly Charge-Off Summary of the Issue : I am filing this formal complaint against Experian Information Services , LLC for violating my rights under the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting standards, and the Dodd-Frank Act ( UDAAP ) by continuously and inaccurately reporting a repossessed vehicle account as a monthly Charge-Off, which misrepresents the status of the account and causes ongoing harm to my credit profile. 



Details of the Violation : The account in question is XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT Zip XXXX ( account number ) XXXX that occurred around XX/XX/XXXX Instead of accurately reporting a one-time final derogatory status, Experian continues to display a monthly charge-off pattern, which : Misleads lenders and third parties about the true nature of the account ; Illegally re-ages the tradeline and artificially extends the derogatory impact ; Violates Metro 2 compliance guidelines regarding Payment History Profile ( XXXX ), Account Status ( XXXX ), Date of First Delinquency ( XXXX XXXX ), and Date of Last Activity ( XXXX XXXX ) ; Fails to apply the required Compliance Condition Code XXXX  during my active disputes ; Is considered deceptive and abusive under 12 U.S.C. 5531 ( UDAAP ). 



Legal Violations Cited : FCRA 605B ( 15 U.S.C. 1681c-2 ) Right to block information resulting from inaccurate or unauthorized reporting. 
FCRA 623 ( a ) ( 1 ) ( A ) Prohibition against furnishing inaccurate or incomplete information.

FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ) Failure to reinvestigate and correct disputed data.

Metro 2 Technical Violations Misuse of account coding after repossession.

UDAAP 12 U.S.C. 5531 Ongoing pattern of false and abusive credit reporting. 



Prior Disputes : I submitted multiple written disputes directly to Experian, including documentation that the account was being misreported. Despite these efforts, Experian failed to correct the errors or conduct a reasonable reinvestigation, violating the standard set in XXXX v. TransUnion, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) and XXXX XXXX v. Equifax ( XXXX ). 



Requested Relief : XXXX. Permanent deletion and blocking of the XXXX XXXX  ( account number ) XXXX from my Experian credit report. 
XXXX. Confirmation that Experian has notified XXXX XXXX  to cease furnishing incorrect data. 
XXXX. Investigation and regulatory enforcement by the CFPB for Experians repeated failure to comply with the FCRA and Metro 2 standards. 
XXXX. Any additional relief or sanctions the Bureau deems appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: OneMain Finance Corporation
State: FL

Complaint narrative:
Hi everytime i check my credit report i see hard injury that are old or new that i XXXX ; t know about that keep droping my score.Please help me thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am filing a complaint regarding improper and potentially unlawful debt collection activity involving LVNV Funding LLC, XXXX XXXX XXXX XXXX, and Resurgent Capital Services. 
I recently noticed that both LVNV Funding and XXXX XXXX  are reporting the same alleged debt on my credit report. This is concerning for several reasons : I have never entered into any agreement or account with LVNV Funding, LLC. 
This is now the third company that has attempted to collect this alleged debt. 
Despite these repeated collection attempts, the debt has never been properly validated as required under the Fair Debt Collection Practices Act ( FDCPA ). 
LVNV is connected to Resurgent Capital Services, which previously attempted to collect on this same debt, also without providing validation after being requested to do so. 
The fact that multiple companies are reporting the same debt is misleading, potentially damaging to my credit, and raises concerns about inaccurate reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: VA

Complaint narrative:
I am requesting that the XXXX XXXX XXXX be removed from my TransUnion, Experian and Equifax credit report. The debt is not mine. The personal information that they have on file does not match mine. I have explained this to the company but yet they refuse to remove it from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am requesting that the XXXX XXXX XXXX be removed from my TransUnion, Experian and Equifax credit report. The debt is not mine. The personal information that they have on file does not match mine. I have explained this to the company but yet they refuse to remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TN

Complaint narrative:
I need the fraudulent information removed from my credit profile ASAP! This has be hurting me financially.

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 2025-08-17 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: TN

Complaint narrative:
I need the fraudulent information removed from my credit profile ASAP! This has be hurting me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank continues to claim they have to wait 2 weeks to credit our payments. They claim its a large amount, but its less than the credit limit and the amount we owed! Then I couldnt use the card I had to pay for while CITI floated out cash

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 2025-08-17 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: CA

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
To Whom It May Concern, I am filing a complaint against XXXX, XXXX, and XXXX  for willful non-compliance with the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611. 

I disputed the following accounts : Caine and Weiner XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, ca XXXX Per FCRA Section 609, I requested original signed contracts proving the debts. The bureaus failed to provide this documentation. Per Section 611, unverifiable information must be deleted within 30 days. This did not occur. 

I am requesting immediate deletion of these accounts from all credit reports. XXXX XXXX document the timeline, my requests, and the bureaus failure to comply. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Its been about a week now i been trying to access my online banking through ally banking I was told multiple times that id be contacted within 1-2 business days by a specialist and havent been contacted at all which isnt fair that I cant access my account nor the funds in it

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 2025-08-18 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: TX

Complaint narrative:
This is now my XXXX disputea number that is absurd and unacceptable. The failure of the data furnisher and CRAs to comply with the FCRA, Metro 2 guidelines, and Consumer Law is now systemic and malicious. The account continues to report false, inconsistent, and outdated information, which is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 reporting codes.

They are knowingly furnishing data that is not verified, not accurate, and not correctthis is now intentional misconduct, subject to penalties under FCRA 616 for willful noncompliance. The CRAs are complicit by continuing to report this information without independent validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I received a notification XXXX days ago from my XXXX  credit card about major derogatory mark on my credit report from EASTERN ACCOUNT SYSTEM. I have never dealt with nor been contacted by this lender ever. After digging in my XXXX  credit card account I found out that EASTERN ACCOUNT SYSTEM filed a collection on amount of {$400.00} on behalf of XXXX XXXX  on XXXX. I use to be an internet customer of XXXX-XXXX  before XXXX when I switched my internet provider to XXXX. I called XXXX  on XXXX to cancel my service. However, they kept sending me bills for periods after XXXX when I shut down their equipment and never used it from that date on. They kept sending me bills with exponentially bigger amounts thereafter. The last one, to the best of my recollection, they sent to me in early XX/XX/year> with amount of {$400.00} plus. These are a fraudulent bills that have nothing to do with any service provided to me by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. The following XXXX ( XXXX ) fraudulent XXXX XXXX accounts are being reported under my Experian credit file without my knowledge, authorization, or consent. I have never applied for, opened, or used these accounts. They were fraudulently created using my personal information and are the direct result of identity theft. 



Fraudulent Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX Reference/Account : XXXX {$520.00} Creditor : XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX Account XXXX XXXX {$440.00} XXXX. XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Reference/Account : XXXX {$1100.00} Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Account : XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Reference/Account XXXX XXXX {$1800.00} Creditor : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Account XXXX XXXX {$1500.00} XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Account : XXXX {$4800.00} Applicable Statutes and Protections Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 
XXXX : Right to block fraudulent identity theft accounts. 
XXXX : Prohibits furnishers from reporting information known or reasonably should be known as inaccurate. 
XXXX : Willful violations entitle victims to statutory damages of up to {$1000.00} per violation. 
Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX et seq. 
XXXX ( b ) : Debt XXXX must cease collection until proper validation is mailed. 
XXXX ( a ) ( XXXX ) ( A ) : Statutory damages of up to {$1000.00} per collector, per action. 
XXXX, XXXX. XXXX XXXX : Grants rights to fraud alerts and freezes, requires creditors and CRAs to provide documentation. 
Identity Theft and XXXX XXXX XXXX, XXXX XXXX. XXXX : Criminalizes identity theft. 



Notice of Intent to XXXX If the above demands including removal, validation records, and statutory damages payment are not satisfied within fifteen ( XXXX ) days of receipt of this notice, I will initiate a civil lawsuit against Experian. 

For clarity, removal of these fraudulent accounts from my credit report alone will not eliminate liability. If the statutory damages totaling {$4000.00} are not paid in full, I will still pursue civil litigation for statutory damages, actual damages, punitive damages, and attorneys fees as authorized under 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 2025-08-17 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I have disputed a medical debt I have no knowledge of, it was removed from XXXX  but not removed from the other XXXX reports ( equifax ) ( XXXX  ) I need all my data matching across all XXXX this is causing hardship in my life due to false reporting on my credit report please fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: DE

Complaint narrative:
I have disputed a medical debt I have no knowledge of, it was removed from XXXX  but not removed from the other XXXX reports ( XXXX  ) ( Experian ) I need all my data matching across all XXXX this is causing hardship in my life due to false reporting on my credit report please fix this

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 2025-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX filed bankruptcy a month after I started service. XXXX then sold my account to Tek Collect after telling me I didnt have to do anything since I filed the full reimbursement request through Smile Direct Clubs bankruptcy with New York XXXX They lied and sold my account and now my account is in collections for more than I ever owed. I have emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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 and of the Equifax data breach ( XXXX XXXX. XXXX ). Multiple fraudulent charge-off/collection tradelines are reporting and the bureaus keep replying verified without providing a method of verification. The items are also inconsistent across bureaus, showing different balances/statuses and even different reporting bureaus. 
Accounts to remove/block under FCRA 605B ( 15 U.S.C. 1681c-2 ) and cease furnishing under 1681b ( no permissible purpose ) : XXXX XXXX XXXX ( Public Storage ) Acct # XXXX * * {$250.00} listed as TransUnion open collection/chargeoff, placed for collection ( XX/XX/XXXX ). 

XXXX XXXX XXXX Acct # XXXX {$22.00} reported derogatory/chargeoff ( see report ). 

XXXX XXXX ( XXXX XXXX  ) Acct # XXXX * * shows different statuses across bureaus ( open vs. closed ; meets FCRA language ) and varying balances/dates. 


XXXX XXXX ( XXXX XXXX XXXX ) Acct # XXXX appears on Experian only with different amounts/dates. 

Hard inquiries created by or related to the fraud should also be deleted ( XXXX ) : XXXX  ( XX/XX/XXXX, Equifax ) ; XXXX  ( XX/XX/XXXX, TransUnion ) ; XXXX XXXX XXXX ( XX/XX/XXXX, Experian ) ; XXXX XXXX  ( XX/XX/XXXX, TransUnion ).

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: MS

Complaint narrative:
Bridgecrest Financial has wrote this account off as a charge off and I did not receive a XXXX for this account to show it as an income on my part. I need this account taken off my credit report because I didn't receive the proper documentation and it's still showing up on my credit report.

Company response to consumer: Closed with explanation