vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: OH

Complaint narrative:
I received a pre-paid card as a result of the XXXX  settlement. I have tried to use the card several times but the card was not able to be processed as payment. I have tried using the card in person and online. I contacted the service provider responsible for distributing the pre-paid cards and was told that the pre-paid card can not be used by itself as payment. I would need to use another credit card for part of the purchase total, then use the pre-paid card for the remainder of the total. This did not work so I have made repeated attempts to call but no company representative answers the calls. I only receive automated responses. I have also sent emails but have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: OH

Complaint narrative:
XX/XX/XXXXXXXX Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
[ Your Name ] [ Your Address ] [ Your City, State, and Zip Code ] [ Your Date of Birth ] [ Your Social Security Number ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ Credit Bureau City, State, and Zip Code ] Dear [ Credit Bureau Name ], I am writing this letter to formally dispute the accuracy and completeness of credit information being reported by your agency. Under the provisions of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX Reporting Guidelines, I request that you conduct a thorough investigation and verification of the account details in question. 

The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), mandates that credit reporting agencies must physically verify the original signed consumer contract for every account they include in a credit report. This verification process is crucial to ensure the authenticity and legitimacy of the information you disclose. By failing to adhere to this requirement, your reporting services could be susceptible to fraudulent accounts, negatively impacting consumers like myself. 

I hereby demand to receive verifiable proof, such as an original consumer contract bearing my signature, for the account listed below : { dispute_item_and_explanation } As per the FCRA, unverifiable accounts must be promptly removed from my credit report. In the absence of providing documented proof within the stipulated timeframe, you are obligated to delete the aforementioned account from my credit file. 

Moreover, I also request the removal of all non-account holding inquiries that are older than 30 days. Additionally, please add a promotional suppression to my credit file, as per the relevant consumer laws. I am well aware that the FCRA mandates a thirty ( 30 ) day period for your re-investigation of this dispute. Within fifteen ( 15 ) days of the conclusion of your re-investigation, I expect a description of the process utilized to assess the accuracy and completeness of the material in question. 

I emphasize that my rights under the FCRA and other consumer protection laws must be upheld, and I trust that your agency will act in compliance with these regulations. 

Thank you for your prompt attention to this matter. 


Sincerely, [ Your First and Last Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: GA

Complaint narrative:
Dear Credit Bureau Representative, I am writing regarding my consumer credit file. Upon review, I have identified several debts and/or negative entries that I believe are inaccurate, incomplete, or can not be verified in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

These inaccuracies may constitute a violation of your duties under the FCRA, including those outlined in 15 U.S.C. 1681n, which establishes civil liability for willful noncompliance.

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 2025-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My student information was shared without my consent, violating the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974. This disclosure may have affected how my loan information was processed or reported by the servicer. I request that this matter be fully investigated and that any inaccurate or adverse records resulting from this violation be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: KS

Complaint narrative:
I. Background The Complainant is the Fiduciary and Authorized Representative of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which holds common-law and pending federal trademark rights in the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Serial No. XXXX ). The XXXX XXXX acts by and through the XXXX XXXX XXXX XXXX XXXX, a private trust entity. 

Between XXXX and XX/XX/year>, the Complainant served formal Trademark Enforcement Notices upon Experian, transmitted by Certified Mail, notifying them that : XXXX. The name XXXX XXXX XXXX XXXX, and all derivatives, are trust property protected by trademark law ; 2. The continued use, display, or sale of data associated with that name in credit reports, databases, or third-party data exchanges constitutes unauthorized commercial use ; 3. Each bureau was given an opportunity to acknowledge, correct, and update its records to reflect the Estate Office ownership designation.

As of the date of this complaint, none of the four respondents have issued a written response or acknowledgment, nor have they corrected or ceased the unauthorized commercial use of the Complainants name.

II. Alleged Violations 1. Failure to Investigate and Respond ( FCRA 611 ) Each respondent failed to provide investigation results or acknowledgments after receipt of certified notices disputing data use. 
2. Unauthorized XXXX XXXX and XXXX XXXX XXXX XXXX respondents continue to use, report, and sell data tied to the Complainants name to third parties without consent. 
3. Failure to Maintain Accurate Records ( FCRA 607 ( b ) ) The respondents have not ensured maximum possible accuracy or compliance despite notice of ownership correction.

4. Negligent or Willful Noncompliance ( FCRA 616-617 ) The non-responsiveness and continued data use demonstrate disregard for consumer correction rights.

III. Evidence Provided Attached as Exhibits : Exhibit A : Trademark Enforcement Notice to XXXX XXXX XXXX  ( with Certified Mail proof ) Exhibit B : XXXX Trademark Application Receipt No. XXXX Exhibit C : Title-Holding & Nominee Agreement ( redacted ) Exhibit D : Authorized Representative Appointment ( redacted ) IV. Statement of Harm Due to these respondents inaction, the Estate Office and Trust have suffered : Continued public exposure and unauthorized distribution of private and trust-owned identifying data ; Emotional and reputational harm from inaccurate or unlicensed data usage ; Loss of control over the fiduciary name used in commerce without authorization. 



Executed this XXXX day of XX/XX/year>. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Representative XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a business account with Capital One bank for over 5 years, however, I am not able to open a personal account of any kind because the bank says that there is a problem with my SSN. I can open account with any other bank but not Capital One. I have been calling customer service, going to the bank in person with my Real ID and my social security card, contacting the SS office and all the credit agencies. I previously complained about this to the CFPB, and the bank sent a letter on XX/XX/year> that they have confirmed that my SSN is tied to another customer but again, they didnt solve my problem. I tried to call the phone number provided by the bank several times but the automated message said that the agent is not available. I would like the bank to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: NC

Complaint narrative:
I am filing this complaint because TransUnion and XXXX XXXX  are reporting inaccurate and inconsistent information about my XXXX XXXX  Credit Card account. 

The account is being reported as charged off with a balance of {$270.00} and repeated C/O remarks, even though I paid on time initially and the account was later closed. The reported payment history contains multiple inaccuracies and inconsistencies, including changing balances and past due amounts that do not reflect actual activity. 

This account shows Charge-Off starting in XX/XX/XXXX and continuing every month through XX/XX/XXXX even after closure which is impossible under FCRA reporting rules. Once an account is charged off, it should not continue accruing new charge-off notations monthly.

These errors violate 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( failure to properly reinvestigate disputed information ). 

Supporting Facts Date Reported Status Error Feb 2024 30 days late, I made a timely payment XXXX XXXX 6090 days late. Dates inconsistent XX/XX/XXXX XX/XX/XXXX Charged off by account provider Charge-off repeated 12+ times Account Closed XX/XX/XXXX Account should not continue reporting late after closure Balance {$270.00}. No updates after closure ; should show {$0.00} or paid/closed

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 2025-11-02 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: RentDebt Automated Collections, LLC
State: NC

Complaint narrative:
XXXX XXXX Collections is reporting an {$8500.00} collection account on my TransUnion credit report for a rental property I never lived at and have no connection to. This is a clear case of mistaken or fraudulent reporting. I never signed a lease, lived at, or owed any balance to this company. This violates the FCRA ( 15 U.S.C. 1681e ( b ) ) and FDCPA ( 15 U.S.C. 1692g ), as the account is inaccurate and unverified. I request immediate deletion and investigation into how this false information was reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Their app only goes back to XXXX and is saying Ive only made XXXX payments, had the vehicle over XXXX  years. 
I have always paid on time and in full. Due to legal fees, hardship, federal shutdown and divorce I made XXXX late payment. 
They havent offered any options at all and now I owe {$900.00} theyre saying Im XXXX days approximately late in my payments. So a XXXX XXXX XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-02 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: NJ

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Email : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX Follow-Up on Credit Dispute XXXX XXXX and XXXX XXXX XX/XX/XXXX ) I am writing to follow up on my previous dispute regarding a potential negative item or unauthorized inquiry from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, which appears on my credit report. 

I originally submitted my dispute on XX/XX/XXXX of first dispute submission ], and as of today, I have not received confirmation or sufficient documentation verifying this entry. Under the Fair Credit Reporting Act ( FCRA ), you are required to complete an investigation and provide the results within 30 days of receiving a dispute. 

Please provide me with the following : Verification documents from XXXX XXXXXXXX XXXX XXXXXXXX showing that I authorized the inquiry or account. 

Written confirmation of any corrections, deletions, or updates made to my credit file as a result of the investigation. 

If the item can not be fully verified, I request that it be immediately removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX Email : 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 2025-11-02 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: TX

Complaint narrative:
I am filing this complaint against TransUnion LLC for conducting an inadequate and incomplete investigation into my formal disputes and for failing to correct or delete inaccurate information from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

Despite submitting clear documentation showing multiple inaccuraciesincluding duplicate tradelines, improper reinsertions, and contradictory balancesTransUnion marked my disputes as verified without addressing the errors or providing any supporting evidence from the furnishers. 

Specifically, TransUnion failed to : Conduct a reasonable reinvestigation as required under FCRA 611 ( a ) ( 1 ) ( A ). 

Delete or correct inaccurate information that was proven false, violating 611 ( a ) ( 5 ) ( A ). 

Provide me with a description of the verification process or the furnishers certification of accuracy, violating 611 ( a ) ( 6 ) ( B ) ( iii ). 

Notify me prior to reinserting previously deleted XXXX XXXX accounts, violating 611 ( a ) ( 5 ) ( B ). 

TransUnions reinvestigation responses were vague and dismissive, often repeating prior data without addressing the specific factual disputes I raised, such as : Accounts sold to XXXX XXXX  still showing active balances from the original creditors ( XXXX XXXX XXXX XXXX, XXXX  XXXX ). 

XXXX XXXX account reporting a balance higher than the amount borrowed and updating after charge-off. 

XXXX XXXX tradeline showing both paid/closed {$0.00} and repossession/derogatory simultaneously. 

These repeated errors demonstrate TransUnions failure to ensure the maximum possible accuracy of the information it maintains, in violation of FCRA 607 ( b ). 

TransUnions negligent or willful noncompliance has caused measurable harm to my credit standing and has obstructed my ability to secure fair credit opportunities.

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 2025-11-02 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: CA

Complaint narrative:
XXXX  XXXX XXXX closed my credit card with a {$0.00} balance on XX/XX/year>. A 30-day late was added, but the three CRAs report conflicting facts about the same tradeline : TransUnion shows canceled by credit grantor with a 30-day late in XX/XX/year> ( reported XX/XX/year> ) ; Experian shows closed due XXXX inactivity with a 30-day late in XXXX XXXX  ( reported XX/XX/year> ) ; Equifax shows closed by credit grantor with a 30-day late in XX/XX/year> ( reported XX/XX/year> ). 
I first tried goodwill and then disputed with each CRA ; they replied verified/no change without providing documentary proof or reconciling the inconsistencies. I am requesting deletion or full correction to a single accurate and consistent report across all CRAs.

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 2025-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: NC

Complaint narrative:
I was contacted by True Accord debit collector. This was over a XXXX XXXX account. I explained Ive not had a cellphone from any XXXX in XXXX years. XXXX had family plans in my husbands name. I have no information about this account. They agreed no to XXXX collection actions. I contacted XXXX with same information and ask for original documents because I isnt my signature on those. They said they forward all that with the debt to the XXXX. So I contact True Accord again requesting original documents so I can prove this is not my signature. Ive never received anything from anyone. This is the XXXX negative mark on my credit and I want it removed. It is set now to be there until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Shellpoint XXXX XXXX has deducted {$2600.00} from my escrow account on XX/XX/year> for county property taxes. However, the county tax assessor website shows that the payment has not been received, and they started charging interest as of XX/XX/year>.

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 2025-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I had an order which took too long, it was well over 20 days before delivery. I canceled the order, they shipped it anyway- so they took the money back on XXXX, here we are again on XX/XX/year> and paypal is taking the same amount again from my bank. I want this fraudulent activity corrected immediately and I will remove all of my banks and cards from PayPal because they XXXX!

Company response to consumer: Closed with explanation