vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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 writing to express my continued concern regarding the unresolved disputed accounts on my credit report. I have raised these inaccuracies multiple times and have repeatedly requested a thorough investigation, yet no resolution or corrective action has been taken. These erroneous accounts are significantly harming my credit profile and creating serious obstacles in my day-to-day life. The ongoing impact has caused considerable hardship, and I am now urgently requesting your assistance to address this matter. Please conduct a comprehensive investigation into each of the disputed accounts and take all necessary steps to correct and update my credit report without further delay. Restoring the accuracy of my credit file is critical to regaining control of my financial well-being. I respectfully urge you to prioritize this issue and take swift action. Your prompt cooperation and support would be deeply appreciated. Thank you for your attention to this matter.

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 2025-10-01 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:
To Whom It May Concern, I, XXXX XXXX, am a victim of identity theft. I am submitting this second formal complaint because the credit reporting agencies and creditors have failed to comply with their obligations under federal law to permanently delete fraudulent accounts and inquiries. The following accounts, addresses, and items were not authorized by me and are the direct result of identity theft : XXXX  XXXX {$1900.00} XXXX  XXXX {$2500.00} XXXX  {$3100.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX  {$21000.00} XXXX XXXX XXXX XXXX {$40000.00} XXXX XXXXXXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$980.00} Fraudulent Addresses : XXXX XXXX XXXX, XXXX, IL XXXX and XXXX XXXX XXXX, XXXX, IL XXXX Legal Grounds for Immediate Deletion 1. Fair Credit Reporting Act ( FCRA ) : 1681c-2 ( Block of Information Resulting from Identity Theft ) : Requires immediate and permanent blocking of all information alleged to be the result of identity theft once proper proof is submitted. 
1681i ( Reinvestigation of Disputed Information ) : Mandates a complete reinvestigation and deletion of unverifiable or fraudulent accounts.

1681s-2 ( Responsibilities of Furnishers ) : Furnishers must not report inaccurate information once notified of identity theft.

2. Fair Debt Collection Practices Act ( FDCPA ) : 807 ( 15 U.S.C. 1692e ) : Prohibits debt collectors from using false representations regarding debts. Attempting to collect fraudulent accounts violates this section.

805 ( 15 U.S.C. 1692c ) : Collection activity on fraudulent debts after notice of identity theft constitutes continued harassment and unlawful collection.

3. Fair and Accurate Credit Transactions Act ( FACTA ) : Provides consumers the right to block fraudulent information from credit reports immediately.

4. Gramm-Leach-Bliley Act ( GLBA ) : Creditors and agencies are required to safeguard consumer information. The presence of fraudulent accounts and addresses proves a failure to protect my personal data.

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 2025-10-01 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I visited XXXX XXXXXXXX XXXX XXXX XXXX DC XXXX XXXX between XX/XX/XXXX and XXXX 2025. I presented my American Express Delta skymiles credit card. After my visit the hotel charged me extra {$250.00} and then went ahead to charge another {$250.00} on my American Express Business platinum credit card, I never presented this card as a form of payment. How did they get my credit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
This letter serves as a formal legal dispute and demand for deletion of all student loan accounts currently being reported on my credit file. These accounts stem from educational records protected by the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g, and their disclosure without my direct, written, and informed consent is a violation of federal law.

FERPA strictly prohibits the unauthorized release of any personally identifiable information from educational recordsincluding financial aid, loan disbursements, and loan balanceswithout the students written permission. You have not received such permission from me, and no such consent exists. Therefore, your furnishing and publishing of this data is unauthorized, unlawful, and actionable.

Additionally, under the Fair Credit Reporting Act ( FCRA ) : FCRA 1681s-2 ( a ) : Data furnishers must ensure all information is accurate and lawfully sourced. If the information is derived from FERPA-protected records without a signed release, its publication is unlawful.

FCRA 1681b : Consumer reports must only be furnished with a permissible purpose AND with the consumers permission where required. 
FCRA 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy of all data published. Reporting education-based loan data without clear legal standing fails this standard.

FCRA 1681n & 1681o : Willful or negligent noncompliance with FCRA requirements is grounds for civil litigation and statutory damages of {$1000.00} per violation, plus attorney fees. 
I am demanding the immediate deletion of the following accounts from my credit file : Creditor Name XXXX XXXX  1 of 2 Account Number ( s ) : XXXX Date ( s ) Opened : [ Insert ]

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 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Receivables Network
State: FL

Complaint narrative:
I am again requesting to be able to properly address this issue with the below information : XXXX ) Itemized Statement of the alleged debt including every purchase made from the date the account was said to be opened 2 ) Proof of authorization to collect the alleged debt on behalf of the creditor 3 ) Complete and full purchase agreement amount of alleged debt for review including complete chain of title per FL law.

4 ) Verification of debt is within the statue of limitation 5 ) Alleged debt was not already put illegally on credit report an removed by prior companies 6 ) How notice if this debt was sent or notified to me 7 ) Contract you have with me that I entered into this debt with Portfolio Recovery and where in writing that I signed a contract 8 ) Names of individuals/persons servicing this account for discovery purposes on handling the the alleged debt as they will be called upon to appear 9 ) The amount and terms this specific account was purchased for agreement, not a blanket statement as this is an error for this specific account 10 ) Relationship to security credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5800.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$76.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/year>, a charge of {$2200.00} from XXXX XXXX posted to my American Express account. The order included XXXX XXXX coverage through the XXXX XXXX program. After billing, XXXX automatically canceled the XXXX coverage but still charged the full {$2200.00} and delivered the devices. 

I contacted XXXX directly. After going back and forth in emails, XXXX agreed to issue a {$400.00} refund to price match the hardware against a promotional price that became available days after my order. However, they have not fulfilled the second part of my complaint : the XXXX insurance for XXXX devices was canceled, and XXXX has admitted they can not reinstate it. 

I disputed the charge with Amex. Amex initially credited me but later reversed the credit after XXXX contested, relying only on proof of hardware delivery and tricking Amex to think the {$400.00} price match refund was compensation for care+ insurance being cancelled, which is not true per my email conversation with XXXX XXXX executive support agent XXXX XXXX This ignored my evidence that part of the contracted service ( XXXX ) was removed after billing. 

I provided Amex with an email from a XXXX representative explicitly admitting : XXXX was automatically canceled by their system. 

I did not request to cancel this and keep the devices ( I would of returned to sender if I knew they wouldn't give me back my insurance that I agreed to have at checkout ) They can not reinstate the coverage. 


This shows the transaction was materially altered and that a contracted service was not delivered. The replacement cost of XXXX  coverage is {$370.00}, including my local sales tax, which I should not have to pay out of pocket for me to have insurance on my devices. 

I am requesting CFPB assistance to ensure Amex resolves this dispute fairly and provides a credit of {$370.00} for services not delivered as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$50000.00} XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$18000.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1600.00} INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX  XXXX 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 2025-10-01 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year> ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$33000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
CFPB Complaint Draft Collections ( LVNV, XXXX, XXXX ) Complainant : XXXX XXXX XXXX : XX/XX/year> SSN ( last XXXX ) : XXXX Companies Involved : LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX Issue Category : Credit reporting Incorrect or duplicate information on credit report -- - Complaint Narrative : I am filing a complaint against LVNV Funding LLC, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX for reporting inaccurate and duplicate collections on my credit file. 

Details : XXXX. LVNV Funding LLC XXXX separate collections for nearly identical amounts ( {$1100.00} and {$1100.00} ). 

This is duplicate reporting of the same alleged debt. Duplicate accounts are misleading and violate the Fair Credit Reporting Act ( FCRA ). 



XXXX. XXXX XXXX XXXX XXXX XXXX separate collections ( {$580.00} and {$350.00} ). 

Appears to be the same original debt but split into multiple entries, which unfairly damages my credit profile. 



XXXX. XXXX XXXX XXXX XXXX XXXX separate collections ( {$1400.00} and {$890.00} ) reporting simultaneously. 

No validation or proof of multiple separate obligations has been provided. 




These duplications make it appear that I owe more debts than I actually do. The reporting is inaccurate, misleading, and in violation of : FCRA 611 ( dispute process ) FCRA 623 ( furnishers duty of accuracy ) FDCPA ( prohibition against deceptive collection practices ) Requested Relief : Delete all duplicate entries from my credit file. 

Provide full validation of each remaining debt, including original signed agreements. 

Stop furnishing misleading information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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 have no connection with the listed creditors and never approved this inquiry. Please remove it from my credit record immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: WA

Complaint narrative:
I have a collection on my credit report of a debt from a law firm on behalf of XXXX XXXX. I contact Vance and Huffman to dispute this claim. I provided information showing that the bank account that was used for this loan was closed XXXX years before the electronic signature on the contract. This was a fraudulent transaction that was not authorized by me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I WAS NEVER LATE ON THESE ACCOUNTS I HAVE A PROOF FROM BANKS PROVING MY POINT. ALL THIS SITUATION HAPPENED BECAUSE OF MY BANK ACCOUNT NOT PERFORMING HOW IT SHOULD HAVE. ALL THE COMPANIES INVOLVED IN THIS CASE ARE NOTIFIED ABOUT EVERYTHING AND I HOPE YOU GUYS WILL HELP ME SOLVE IT OUT.

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 2025-10-01 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: FL

Complaint narrative:
I have had a " Cashapp " account for almost a year now. Up until now no problems with this APP on my phone. Currently for the last month or so the account or App has been Locked, and I am unable to send any of my account balance to people or vendors. I have contacted " cashapp " by phone several times. ( probably XXXX times ). 
I get the same " run around " every time.. " We're looking into it and will be emailing you soon " This never happens. 
I am out of patience with these people and don't let them " string you along " as they do the general public. It is interesting that cashapp is never disagreeable to deposits into the account. Cashapp isn't into the giving money out business, just taking money in. Understandable, I guess. My {$540.00} isn't much, but I refuse to let them " slow leak me " until I give up. I have wasted hours and hours of my time with this issue and believe I am due compensation for my time as well. 
Thank You for you ' r attention to this matter. 
Sincerely XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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