vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MI

Complaint narrative:
I, XXXX XXXX, am filing this complaint against Discover Card for the following legal violations : 1. Violation of 15 U.S. Code 1666b Timing of Payments 2. Violation of my fundamental right to financial privacy under applicable federal consumer protection laws Facts : 1. I am a consumer with an account issued by Discover Card.

2. Under 15 U.S. Code 1666b, a creditor must provide a reasonable amount of time ( at least 21 days ) between the mailing or delivery of a periodic statement and the payment due date before assessing any late fees or reporting missed payments. 
3. Discover has violated this provision by failing to allow the statutorily required timeframe before treating my payments as late and reporting them in a negative light. This unjustified treatment negatively impacted my credit profile and caused me financial harm.

4. Additionally, Discover unlawfully disclosed my private financial information to a non-affiliated third party without my consent or legal justification. This is a serious breach of my consumer privacy rights. 
5. As a direct result of this privacy breach, I have suffered intentional harm, including emotional distress, financial instability, and damage to my personal and professional reputation.

Legal Basis : 15 U.S. Code 1666b mandates fair timing practices in regard to credit card billing and payments. Discover failed to adhere to this statute by not providing adequate notice prior to assessing penalties.

The Gramm-Leach-Bliley Act ( 15 U.S. Code 6801 et seq. ) and associated privacy protections restrict the disclosure of consumer financial information to non-affiliated third parties unless the consumer is notified and given an opportunity to opt out. I was never given such an opportunity. 
The willful disclosure of my financial information to an unauthorized third party represents a gross violation of my privacy rights. 

Conclusion : Discover has acted in direct violation of federal law, both in its handling of payment timing and in its breach of consumer privacy. I respectfully request the CFPBs intervention to ensure Discover is held accountable and to prevent this misconduct from harming other consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
I am filing this complaint against Innovative Recovery Inc for continuing to report an inaccurate and potentially fraudulent collection account in the amount of {$10000.00}. The original creditor is listed as APARTMENT - XXXX XXXX XXXX and the account appears on my Experian report as opened on XX/XX/year>. I do not recognize this debt, have never resided at that apartment complex, and have never signed any lease or agreement with this creditor or the collection agency. 
I believe this account may be the result of identity theft, a clerical error, or improper reporting of someone elses lease obligation. I have no contract or legal relationship with Innovative Recovery Inc and have received no documentation substantiating this debt.

I formally disputed the debt in writing and requested full validation under FDCPA 1692g and FCRA 1681s-2 ( b ). To date, no supporting documentation has been provided. The balance of {$10000.00} remains on my credit report and is damaging my ability to obtain housing and credit.

Furthermore, the collection agency has failed to : Provide proof of the alleged lease or debt obligation ; Mark the acc
ount as disputed with credit bureaus in violation of FDCPA 1692e ( 8 ) ; Properly investigate or correct the tradeline under FCRA 1681i ( a ).

The account is scheduled to remain on my file until XX/XX/year>, which is unacceptable given that the debt remains unverified and likely erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: LA

Complaint narrative:
Harassing calls and unsolicited return calls. They just wouldn't stop calling. Trying to fix a debt I didn't have. Even charged me s fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, I have been exposed to identity theft and there is no way XXXX XXXX XXXX should have my information! Please remove this fraudulent account off my consumer report immediately. Not happy!

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 2025-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: LA

Complaint narrative:
I am disputing a collection account reported by CKS Prime Investments for a charged-off XXXX XXXX XXXX XXXX account. I do not believe they are legally collecting in XXXX. I requested proof of debt ownership and licensing, and they have not responded. They have reported this account to the credit bureaus without proper validation, and I am requesting that the tradeline be deleted. I have disputed this account with all three bureaus and the company directly. Their failure to respond or verify makes this reporting inaccurate and a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am sending this complaint to request immediate correction of the erroneous status of my account, which has been neglected despite my previous communications. To date, I have not received any response, and the inaccurate information continues to appear on my reports. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am sending this complaint to request immediate correction of the erroneous status of my account, which has been neglected despite my previous communications. To date, I have not received any response, and the inaccurate information continues to appear on my reports. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: UT

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction. 
1. Incorrect Names : My credit report lists the following names that I do not recognize or are not associated with me : N/A These names are not connected to my credit history. My correct full legal name is : [ XXXX XXXX ] Please update my credit report to reflect only my accurate name, and remove any incorrect names associated with my profile. 
2. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me : XXXX XXXXXXXX XXXX XXXXXXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA, XXXX These addresses do not correspond to my current or previous residences. 
My correct address is : [ XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX UT XXXX ] I request that you update my credit report with my correct address and remove any incorrect or outdated addresses. 
3. Unauthorized Credit Inquiries : The credit report lists several hard inquiries that I do not recognize and have no recollection of authorizing : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-26 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Im reaching out because I just discovered a credit inquiry from your company on my reportsomething I never authorized. At no point did I give permission for this inquiry, and I take this kind of overstep very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
I am submitting this complaint regarding the unlawful credit reporting practices of XXXX XXXX, a third-party debt collector currently furnishing data to one or more Consumer Reporting Agencies ( CRAs ).

This collection account has been disputed multiple times over the past several months. Despite repeated disputes under the Fair Credit Reporting Act ( FCRA ), the account continues to be reported without compliance to basic federal requirements and industry reporting standards.

Specifically : No debt validation has been provided after multiple written requests, in violation of FDCPA 1692g ( b ).

No dispute notation ( Compliance Condition Code XB ) has ever been applied to the tradeline during the reinvestigation process, violating Metro 2 Field 20 requirements and FCRA 1681s-2 ( a ) ( 3 ).

The tradeline has been reinserted or updated without providing notice to me, in contravention of FCRA 1681i ( a ) ( 5 ) ( B ).

No method of verification has been disclosed under FCRA 1681i ( c ), despite multiple reinvestigation demands.

The reporting furnisher has failed to include complete payment or delinquency history and continues to report vague or truncated data, impairing my right to a full-file disclosure.

These omissions and ongoing violations materially harm my credit reputation and prevent meaningful dispute resolution. This furnisher has acted willfully and/or negligently in disregard of its legal obligations under federal 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 2025-05-26 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: TX

Complaint narrative:
I am submitting this complaint regarding the unlawful credit reporting practices of XXXX XXXX, a third-party debt collector currently furnishing data to one or more Consumer Reporting Agencies ( CRAs ).

This collection account has been disputed multiple times over the past several months. Despite repeated disputes under the Fair Credit Reporting Act ( FCRA ), the account continues to be reported without compliance to basic federal requirements and industry reporting standards.

Specifically : No debt validation has been provided after multiple written requests, in violation of FDCPA 1692g ( b ).

No dispute notation ( Compliance Condition Code XB ) has ever been applied to the tradeline during the reinvestigation process, violating Metro 2 Field 20 requirements and FCRA 1681s-2 ( a ) ( 3 ).

The tradeline has been reinserted or updated without providing notice to me, in contravention of FCRA 1681i ( a ) ( 5 ) ( B ).

No method of verification has been disclosed under FCRA 1681i ( c ), despite multiple reinvestigation demands.

The reporting furnisher has failed to include complete payment or delinquency history and continues to report vague or truncated data, impairing my right to a full-file disclosure.

These omissions and ongoing violations materially harm my credit reputation and prevent meaningful dispute resolution. This furnisher has acted willfully and/or negligently in disregard of its legal obligations under federal 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 non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding the unlawful credit reporting practices of XXXXXXXX XXXX, a third-party debt collector currently furnishing data to one or more Consumer Reporting Agencies ( CRAs ).

This collection account has been disputed multiple times over the past several months. Despite repeated disputes under the Fair Credit Reporting Act ( FCRA ), the account continues to be reported without compliance to basic federal requirements and industry reporting standards.

Specifically : No debt validation has been provided after multiple written requests, in violation of FDCPA 1692g ( b ).

No dispute notation ( Compliance Condition Code XB ) has ever been applied to the tradeline during the reinvestigation process, violating Metro 2 Field 20 requirements and FCRA 1681s-2 ( a ) ( 3 ).

The tradeline has been reinserted or updated without providing notice to me, in contravention of FCRA 1681i ( a ) ( 5 ) ( B ).

No method of verification has been disclosed under FCRA 1681i ( c ), despite multiple reinvestigation demands.

The reporting furnisher has failed to include complete payment or delinquency history and continues to report vague or truncated data, impairing my right to a full-file disclosure.

These omissions and ongoing violations materially harm my credit reputation and prevent meaningful dispute resolution. This furnisher has acted willfully and/or negligently in disregard of its legal obligations under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am submitting this complaint against TransUnion LLC and XXXX XXXX XXXX XXXX for engaging in illegal re-aging of charged-off accounts in violation of federal consumer protection laws. The accounts in question are : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX These accounts are being reported monthly as charge-offs, which is artificially manipulating the date of last activity ( DLA ) and thereby unlawfully extending the reporting period on my consumer credit report. 



Facts : 1. Both listed XXXX XXXX accounts are being reported as charged-off accounts.

2. Despite being charged off in the past, TransUnion continues to update these accounts monthly as if the charge-off is newly occurring each month.

3. This practice changes or re-ages the Date of First Delinquency ( DOFD ) and Date of Last Activity, thereby restarting the XXXX reporting period outlined in the Fair Credit Reporting Act. 
4. This tactic is a manipulation of the statute of limitations for reporting and debt collection purposes and directly violates my federal consumer rights. 
5. I believe this ongoing re-aging is done intentionally by XXXX XXXX and allowed by TransUnion to mislead future creditors and suppress my creditworthiness. 



Legal Basis : According to 15 U.S. Code 1681c ( a ) ( 4 ) of the Fair Credit Reporting Act : ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

This seven-year period begins from the date of the first delinquency that led to the charge-off, not from the date the charge-off is reported or updated. 

By continuing to update these accounts monthly as charge-offs, TransUnion and XXXX XXXX are unlawfully extending the time they are allowed to remain on my credit report, violating 15 U.S. Code 1681c ( a ) ( 4 ). 



Conclusion : The monthly re-aging and manipulation of charged-off accounts is a serious violation of the Fair Credit Reporting Act. These actions misrepresent my credit history and cause continued financial harm. I respectfully request that the CFPB hold TransUnion and XXXX XXXX XXXX XXXX accountable for these deceptive practices.

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 2025-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TX

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Subject : CashApp Withholding Funds Suspected Fraud and Lack of Resolution Complainant : I am an XXXXyear-old retired U.S. XXXX XXXX living entirely on Social Security income. 
Details of the Issue : Several months ago, I was the victim of a scam involving a woman who claimed she would help me earn profits through online investing. She guided me to open a CashApp account and then assisted in transferring {$500.00} from my personal XXXX XXXX XXXX account using my debit card. 
She then asked me to open an account on a website called www.oasisbp.vip and used her personal code to transfer the {$500.00} from my CashApp account to this XXXX site. Later, she showed me a balance of {$660.00} in XXXX on XXXX, supposedly indicating a profit. I was unaware that I was involved in any cryptocurrency transactions and never consented to such activity. 
The scammer then tried to convince me to invest {$5000.00} more, which I refused. She became upset and disappeared, leaving me confused and unable to retrieve my funds. I contacted XXXX to try and withdraw my money. Their website directed me to obtain a CashApp wallet address to which they could send my XXXX balance. I followed their instructions, got the wallet address from CashApps website, and pasted it on the XXXX platform as instructed. The Cash App gave me the following procedure from their web site and I followed the instructions : - XXXX XXXX XXXX XXXX XXXX title, - Tap Deposit XXXX  and then - Tap copy the wallet. 
According to XXXX, they sent the {$660.00} in XXXX to that CashApp wallet address, and the transaction is complete on their end. However, despite several months passing and multiple requests made to CashApp, the funds never appeared in my CashApp account. XXXX customer service has confirmed the funds were sent and is now directing me to CashApp, saying they no longer have control over the funds. My XXXX account now shows XXXX as they withdrew the whole requested amount of {$660.00} in bitcoin and deposited to the CashApp wallet address and money is still with them. 

Thank you for your time and assistance. 
Sincerely, Best regards, XXXX XXXX My accounts for references : XXXX XXXX Cash App Account : Email : XXXX Telephone : XXXX Cash App 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