vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Despite repeated attempts to resolve these matters, Transunion continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run 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 non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I received a collection letter from Resurgent Capital Services L.P. dated XX/XX/XXXX regarding an alleged XXXX XXXX XXXX account now claimed by LVNV Funding LLC. 
The companys response does not meet the validation requirements under 15 U.S.C. 1692g ( b ) ( FDCPA ). They provided only an internal account summary and a XXXX billing statement no original signed agreement, no itemized account history, and no authenticated chain of assignment from XXXX XXXX LVNV Resurgent. These are not verified business records from the original creditor and therefore fail to constitute legal verification. 

A review of the XXXX  Consumer Access database shows that neither Resurgent Capital Services L.P. nor LVNV Funding LLC hold a Washington Collection Agency License, as required by RCW 19.16.110 and RCW 19.16.440. Operating or attempting to collect in Washington without such a license is unlawful and constitutes an unfair or deceptive act under RCW 19.86 ( Washington Consumer Protection Act ).

Resurgents letter also omitted the mandatory state license disclosure required by RCW 19.16.250 ( 12 ) and misrepresented its internal summary as verification, violating FDCPA 807 ( 2 ) ( A ) and 807 ( 10 ). If LVNV or Resurgent reported or continue to report this account to any credit bureau, that would constitute furnishing of unverifiable or inaccurate information in violation of FCRA 623 ( a ) ( 1 ) ( A ). 

The charge-off date ( XX/XX/XXXX ) shows the account is nearing Washingtons six-year statute of limitations under RCW 4.16.080 ( 3 ), yet neither company provided the required time-bar disclosure under 12 C.F.R. 1006.26 ( b ) or RCW 19.16.250 ( 21 ). Additionally, the companies have not shown lawful authority to transfer or process my personal data between related entities, raising possible FCRA 604 ( a ) privacy concerns. 

Given these issues insufficient validation, unlicensed collection activity, missing disclosures, and possible inaccurate credit reporting I believe this matter warrants regulatory review for systemic non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have had nothing but trouble trying to get back into my Experian account. I call them and attempt to speak to someone, but they want to verify me. However, they want to send a code to my phone number on file, which is an old phone number. So why can't they have a situation where I can verify myself online and then finally change my phone number? I don't want that code going to someone else who has my old phone number, and now they would be able to access my Experian account. This is frustrating, and I have been attempting to work on this for quite some time now.

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 2025-10-28 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: AL

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 explanation
Consumer complaint received 2025-10-28 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: FL

Complaint narrative:
In XXXX XXXX Try us my cash app to sent and purchase like do every time got pay. My grandson me sent XXXX dollar, but try to pay my tithe to the church account like I alway do when sent money church kept on declined, so call my apostle is some with church cash app he said no, try to sent it to him it went through after then try sent sent grandson the XXXX kept decline but the money was in my account. So contact Cash app ask why can not sent money, kept get me the run around so ask to speak to supervisor got the same response her. So the next when went to withdraw money off my account my money was gone off my account. CONTACT cash app Again I finally got to talk to sometime I I want to know why can use my cash app, 2 what happen to my money that was in my account. Then how can my account be fraud everything my account is done by me. I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am requesting a one-time goodwill exception for a minimal spending shortfall on my new cardmember bonus. I have already spent significant time attempting to resolve this with Chase 's front-line customer service and email support with no success. 
1. I opened the XXXX XXXX XXXX Credit Card on XX/XX/year>, with the welcome offer to earn 3 Free Night Awards ( each valued up to XXXX points ) after spending {$3000.00} on eligible purchases in the first three months. 
2. I meticulously tracked my spending and went over the {$3000.00} threshold, charging a total of {$3000.00} to the card. 
3. The eligible purchases ( excluding the {$95.00} annual fee, which does not count toward the requirement ) totaled {$2900.00}. This resulted in a minimal shortfall of only {$79.00} ( {$3000.00} - {$2900.00} ) to meet the requirement. 
4. I acted in good faith to meet the terms. My effort to exceed the total spend is clear, and the small shortfall was due to a common misunderstanding of the Annual Fee exclusion, which made up the majority of the gap.

5. I have contacted Chase several times via phone and email. Representatives acknowledged the small gap but stated they have no authority to grant an exception. The issue has been escalated to no effect. 
I urge Chase 's regulatory response team to review this case and grant a good faith exception, as the {$79.00} shortfall is de minimis ( insignificant ) relative to the {$3000.00} requirement, and I exceeded the total dollar amount charged to the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
On XXXX XX/XX/year> I initiated a money transfer, bank to bank ( same person ). Reference : Money transfer XXXX XXXXXXXX. After doing the transaction, I am told it will take " XXXX business days '' to complete, but within XXXX hours, the funds are pulled from my account. So, where is this money for the next XXXX days ( counting weekends )? Who holds onto this money and profits from the " interest ''? XXXX Union always uses a protocol and says " the other bank is the delay '' and this is a BLATANT lie ( my sister works at the bank, and confirms NEVER receiving the funds until the last moment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: American Financial Network Inc.
State: DE

Complaint narrative:
My loan was transferred from XXXX XXXX XXXX account # XXXX to XXXXXXXX XXXX XXXX  account # XXXX XX/XX/XXXX with an escrow shortage and no proof of payments for my town taxes county taxes or homeowners insurance payment for XXXX. Leaving the new servicing account to not withdraw the correct amount needed from the mortgage payment to contribute to the escrow to maintain the following years payment. Because the proper amount wasn't collected it caused a shortage of XXXX to my escrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: LA

Complaint narrative:
I must emphasize that this complaint is no error my credit report contains glaring inaccuracies that fail to meet even the minimum standards of accuracy. These errors are profoundly burdening me and persistently harming me in unimaginable ways ; these are extraordinarily difficult times, and it would be an immense relief a true lifeline if these inaccuracies were corrected or eliminated 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 explanation
Consumer complaint received 2025-10-28 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: Self Financial Inc.
State: IA

Complaint narrative:
I dispute these items as identity theft provided an ftc report the credit bureau they refuse delete off my credit even with evidence provided and I ask for proof of me opening these account with my signature or purchase agreement with the company that keep reporting misinformation and the contact information phone not in service and when I spoke to the customer for them to stop reporting the information even after keying I dont open the account no change to my credit after months of disputing these account XXXX XXXX  account number XXXX XXXXXXXX XXXX XXXX  account number XXXX XXXX XXXXXXXX XXXX XXXX 4-XXXXselflnd account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: AL

Complaint narrative:
I recently pulled my credit report and noticed that I have several collections accounts that I have not signed any documentation allowing the XXXX XXXX to have access to any of my personal information. 
EQUIFAX XXXX XXXX XXXX ACCT # XXXX XXXX {$420.00} XXXX XXXX XXXX ACCT XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX ACCT XXXX XXXX XXXX {$1300.00} XXXX XXXXXXXX XXXX ACCT XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX ACCT XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX ACCT # XXXX XXXX {$540.00} XXXX XXXX XXXX ACCT # XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX ACCT XXXX XXXX {$640.00} XXXX XXXX XXXX ACCT # XXXX XXXXXXXX XXXX {$570.00} XXXX XXXX XXXX  ACCT # # XXXX XXXX {$2000.00} EXPERIAN XXXX XXXX XXXX ACCT XXXX XXXX {$590.00} XXXX XXXX XXXX ACCT # XXXX XXXX {$1500.00} XXXX XXXX XXXX ACCT XXXX XXXX {$420.00} XXXX XXXX XXXX ACCT XXXX XXXX {$1300.00} XXXX XXXX XXXX ACCT XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX ACCT XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX ACCT XXXX XXXX {$640.00} XXXX XXXX XXXX ACCT # XXXX XXXX {$570.00} XXXX XXXX XXXX ACCT # XXXX XXXX TRANSUNION XXXX ACCT # XXXX XXXX {$1300.00} XXXX ACCT # XXXX XXXX {$1500.00} XXXX ACCT # XXXX XXXX {$590.00} XXXX ACCT # XXXX XXXX {$420.00} XXXX XXXX ACCT # XXXX XXXX {$490.00} XXXX XXXXXXXX ACCT # XXXX XXXX {$540.00} XXXX XXXX ACCT # XXXX XXXX XXXX {$790.00} XXXX XXXX ACCT # XXXX XXXX {$640.00} XXXX ACCT # XXXX XXXX {$2000.00} XXXXXXXX XXXX ACCT # XXXX XXXX {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-28 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
Their claim and where I havent paid up all state insurance company for some unable balance, unpaid balance! am writing to dispute the validity of the above-referenced account and to request full validation under 15 U.S.C. 1692g. Please provide ( 1 ) the amount of the alleged debt, ( 2 ) the name of the original creditor, ( 3 ) a written statement that I am obligated to pay, ( 4 ) documentation showing your authority to collect this debt, ( 5 ) a complete account history, including charges, payments, and fees, ( 6 ) the date of the original default, if any, and ( 7 ) a copy of any judgment, if applicable. Under FDCPA, I request that you cease all collection activities until validation is provided. If you have any supporting documents, please send them to the address above within 30 days. 

Sincerely, XXXX 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 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain collection accounts that have been reported on my credit file, which include a past rental debt and a credit card account. I am requesting a full investigation and verification of these debts under the Fair Credit Reporting Act ( FCRA ).

I do not believe the information reported is fully accurate or properly validated. In some cases, balances may not reflect updated payments, settlements, or adjustments. Additionally, I have not received sufficient documentation from the original creditors or the collection agencies to confirm the validity and ownership of these accounts.

I respectfully request that you provide complete documentation to verify the accuracy of each debt, including the original signed agreement, payment history, and evidence that the debt was legally transferred or assigned. If proper verification can not be provided, I request that the disputed items be removed from my credit report immediately. 

I am fully committed to maintaining accurate credit information and ensuring that all records reflect legitimate and verified debts only. I appreciate your attention to this matter and request written confirmation once your investigation is completed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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 filing this complaint to dispute the presence of inaccurate and unauthorized accounts on my credit file. I never opened these accounts, nor did I consent to their addition, and I received no notification regarding them. Furthermore, each credit bureau is reporting different and inconsistent details, which clearly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring that all information be reported with maximum accuracy.

This also violates 15 U.S.C. 1681i, which mandates a timely investigation ( within 30 days ) and correction or deletion of disputed information, and 15 U.S.C. 1681g, which ensures a consumers right to full and accurate disclosures of their file.

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 2025-10-28 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 filing this complaint to dispute the presence of inaccurate and unauthorized accounts on my credit file. I never opened these accounts, nor did I consent to their addition, and I received no notification regarding them. Furthermore, each credit bureau is reporting different and inconsistent details, which clearly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring that all information be reported with maximum accuracy.

This also violates 15 U.S.C. 1681i, which mandates a timely investigation ( within 30 days ) and correction or deletion of disputed information, and 15 U.S.C. 1681g, which ensures a consumers right to full and accurate disclosures of their file.

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 2025-10-28 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: NC

Complaint narrative:
This late payment report is invalid, considering my consistent payments. Please revise my record.

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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I purchased digital goods from a company that stated that the transactions were processed in error and XXXX  refund the transactions. So I contacted my bank, XXXX, in hopes that they would get this resolved but instead XXXX  been nothing but lied to, ridiculed, and belittle by XXXX  XXXX  who stated that XXXX XXXX have to operate under Regulation XXXX guidelines by providing me provisional credits unless they choose to, and also misquoted Regulation XXXX and said that he refusing to cite any policies that XXXX has backing his stance or even giving me the common decency to provide his statement in writing via email and ignored me the entire conversation

Company response to consumer: Closed with explanation