vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
SYSTEMATIC WILLFUL FCRA VIOLATIONS- CREDIT BUREAUS IGNORED JUDICIAL DISMISSAL EVIDENCE BACKGROUND : On XX/XX/XXXX, XXXX XXXX XXXX dismissed XXXXXXXX XXXX XXXX lawsuit ( Case XXXX XXXX ) against me after the court scheduled a sanctions hearing for XXXXXXXX XXXX  failure to prosecute their case. This judicial dismissal proves the debt is legally unsubstantiated and can not be accurately reported on credit reports. 

FCRA DISPUTE WITH JUDICIAL EVIDENCE : On XX/XX/XXXX, I sent comprehensive FCRA disputes to both Equifax and TransUnion with complete court dismissal documentation. I provided : - Court dismissal order proving debt legally unsubstantiated - Case timeline showing XXXXXXXX XXXX failure to substantiate debt in legal proceedings - Clear demand for complete account deletion based on judicial findings - Explanation that continued negative reporting violates FCRA accuracy requirements WILLFUL FCRA VIOLATIONS BY CREDIT BUREAUS : EQUIFAX RESPONSE ( XX/XX/XXXX ) : Despite receiving indisputable judicial evidence, Equifax responded : " Current status is being reported correctly. '' This violates FCRA 1681i ( a ) ( 1 ) investigation requirements and 1681e ( b ) accuracy standards. 

TRANSUNION RESPONSE ( XX/XX/XXXX ) : TransUnion received identical judicial dismissal evidence yet responded : " Information was verified accurate. '' This demonstrates systematic willful disregard for judicial findings. 

WILLFUL MISCONDUCT ANALYSIS : Court dismissals represent the highest level of legal evidence available. No reasonable investigation can verify dismissed debt as " accurate. '' Both bureaus received identical indisputable proof yet claimed " verified accurate, '' demonstrating willful contempt for the judicial system. 

SYSTEMATIC PATTERN : Both credit bureaus ignored identical judicial evidence and provided identical willful violation responses, indicating industry-wide misconduct in handling court dismissal evidence. 

CONSUMER HARM : Continued negative credit reporting of judicially dismissed debt damages credit scores, lending opportunities, and violates fundamental accuracy requirements. The willful nature of these violations demonstrates corporate contempt for consumer protection laws and judicial authority. 

REGULATORY COORDINATION : This complaint coordinates with existing CFPB complaints against XXXX XXXX  and active XXXX  Attorney General XXXX, demonstrating systematic violations across multiple federal consumer protection statutes requiring comprehensive enforcement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
My XXXX account was hacked on XX/XX/year>2025, and an unauthorized charge of {$260.00} was made through my linked Cash App account. I did not authorize this payment and had no card saved on XXXX, but Cash App still allowed the transfer from my bank after multiple declined attempts. My bank confirmed Cash App is the responsible processor but could not reverse the charge since it was third-party processed. I have filed disputes with Cash App more than XXXX times, each denied despite strong evidence : the fraudulent shipping address in XXXX ( I live in XXXX ), a mismatched email not mine, repeated failed attempts, and confirmation from XXXX that the order was fraudulent. Cash App continues to deny reimbursement in violation of Regulation XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My Capital One card has gotten me into a rut. I have been diagnosed with XXXX XXXX and fixing to undergo serious XXXX and I will be off work for at least a year maybe more if I live long enogh. My XXXX is in state XXXX already. I have called every week and sometimes everyday to ask them to close my account and put me on a hardship program. So far I have had no luck with them working with me. I want to get this set up so I can make payments and try to get my debt paid off in case I die.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
Im reaching out to request immediate attention to a potential errora late payment on my report that does not reflect my usual payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/year> I was offered an XXXX ( Income driven repayment plan ) of XXXX $ payments for XXXX  years, til XXXX. Then the remaining balance loan was to be forgiven. On XX/XX/XXXX the plan that I signed was approved as shown in the attachment. 

Then this past week I received another correspondence from Mohela, stating the payment plan had been changed, but by the loan servicer, with no prior warning, completely disregarding the valid form version which I signed and submitted before that version and its offer expired. It now is requiring over XXXX years of {$1100.00} $ monthly payments. 
Not only did I not agree to this, I never even saw that this was an option. Can a federal govermpnment do this to XXXX individual, by giving me a XXXX weeks notice that this payment plan is to be enacted without any Advanced notice or warning??

Company response to consumer: Untimely response
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
I am submitting this complaint because Experian continues to report a 30-day late payment in XX/XX/year> for my XXXX XXXX  accounts XXXX, despite my request for verification. I formally disputed this entry and requested proof per the FCRA, but no supporting documentation was provided. Experian failed to provide evidence of the alleged delinquency or proper validation from the original creditor. This lack of verification violates FCRA Section 611 and constitutes willful non-compliance. 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 2025-08-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am filing a complaint against Transworld Systems Inc. for inaccurate and fraudulent credit reporting. 

This company is reporting an {$810.00} collection account on my credit report that originated from XXXX XXXX. I have never applied for, opened, or authorized any account with XXXX XXXX and therefore never owed any debt that could have been sold or assigned to Transworld Systems Inc. 

This collection account is the result of identity theft or misuse of my personal information, and it does not belong to me. The reporting shows it as derogatory and open, with remarks such as placed for collection and account information disputed by consumer, yet it continues to appear on my credit file without validation. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681s-2 ), furnishers and credit bureaus must not continue reporting unverifiable or fraudulent accounts.

This false account has harmed my credit and made it difficult for me to provide housing and financial stability for my family. I am requesting that the CFPB investigate Transworld Systems Inc.s reporting practices, require validation of this account, and ensure it is removed from my credit report if it can not be proven legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> EXPERIAN P.O. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute & Validation Demand XXXX XXXX  ACCOUNTS To Whom It May Concern : Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I formally dispute the following account in its entirety and demand strict procedural compliance : Disputed Account : Creditor : XXXX XXXX Account XXXX XXXX XXXXXXXX. 
CreditoXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX. 

Legal Demands : XXXX. Complete Verification requiring direct confirmation from the original creditor with full chain of title documentation XXXX. Immediate Suppression of the disputed item pending investigation XXXX. Detailed Methodologies Report explaining how your agency validated this information Notice : This dispute constitutes a continuing objection to all future reporting of this account Any failure to conduct a reasonable investigation will result in escalation to the CFPB and state regulators I reserve all rights under FCRA 616/617 regarding willful or negligent non-compliance Required Actions : XXXX. Conduct investigation within XXXX  days as mandated by law XXXX. Provide written response with : o Verification documentation o XXXXXXXX XXXX  name/credentials o Detailed correction procedures XXXX. Issue updated reports to all recent recipients Legal Notice : This communication serves as evidence that I have exercised my statutory rights in good faith. Any negative determinations must include the specific factual and legal basis for such conclusion. 
Sincerely, BY 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 2025-08-29 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: FL

Complaint narrative:
I am disputing inaccurate and unverifiable reporting of a XXXX XXXX account on my Equifax credit file. I am specifically requesting the Method of Verification pursuant to FCRA 611 ( a ) ( 7 ). 

Account in Dispute : XXXX XXXX, Account # XXXX * * * * * * Reasons for Dispute : XXXX. The account is being reported inconsistently across credit bureaus. Equifax shows a balance of {$2900.00} with charge-off status, while XXXX shows {$0.00} balance for the same account. This inconsistency is inaccurate and misleading. 
XXXX. Equifax is reporting this account as Charged off/ closed by credit grantor while simultaneously continuing to list rolling late payments ( XXXX, XXXX, XXXX, XXXX days ) in XXXX and XXXX. Once an account is charged off and closed, new late payment activity can not be reported. This is inaccurate double reporting. 
XXXX. Equifax most recently verified this account on XX/XX/XXXX without providing documentation or explanation of how verification was completed. This fails to meet the requirements of FCRA 611 ( a ) ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I carry a credit card issued by Goldman-Sachs XXXX Apple Pay . 
On XX/XX/year> I noticed XXXX transactions made XX/XX/XXXX for the amount of {$260.00} ; {$280.00} and {$260.00}. I contacted this bank customer service through the app as well and submitted the dispute. 
Today, XXXX days after, I received e-mails stating the dispute outcome for these XXXX fraudulent transactions : " Based on available information, we determined that the transactions were authorized. Goldman-Sachs XXXX XXXX credit card. 
I asked about the information of their investigation, like, What merchandise was purchased, merchant transaction numbers, etc. and customer service couldn't provide an answer. I asked to talk to a member of the investigation team and I was denied because " they work off line '' I resubmitted the dispute. 
These are the original dispute cases numbers : XXXX ; XXXX ; XXXX These are the reopened dispute numbers : XXXX ; XXXX ; XXXX Good to mention I was never notified of these suspicious transactions. 
They can verify my purchasing habits that I have never used XXXX XXXX pick-up. 
They delivered in favor of the merchant without information or evidence. 
Technically they are labeling me, the victim, as the one committing the fraud. 
Their only argument is that the transactions were authorized. Of course every transaction, legitimate of fraudulent " is authorized '' in order to go through ; in this case not by me. That is the only argument they provided me with ; that it was authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: PA

Complaint narrative:
I am requesting the deletion of these unauthorized accounts from my credit report, as I did not authorize or know about their creation. In line with USC 1681g, I ask that they be removed within 15 days. Relevant documents are enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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:
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 XXXX  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 non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash App permanently closed my account without explanation. I currently have {$1.00} in my Cash App Savings balance that I can no longer access. While the amount is small, I believe I have the right to know why my account was terminated and whether I can regain access. 

I have not been informed of any violation, fraud, or prohibited activity. When I contacted Cash App support, I only received generic responses and no clear reason for the closure.

I am requesting : 1. A clear explanation of why my account was closed.

2. Confirmation of whether I will receive my {$1.00} balance.

3. Information on whether my account can be reinstated or if this decision is permanent.

I am filing this complaint because I believe Cash App should provide more transparency when closing accounts and withholding even small funds from customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I am formally requesting validation of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 809. Please provide documentation that verifies this debt, including but not limited to : The name and address of the original creditor. 

The original account number. 

The amount of the alleged debt, including a breakdown of fees, interest, and other charges. 

Proof that you are legally authorized to collect on this debt in my state. 

Copies of any judgments, contracts, or agreements that prove I am legally obligated to pay. 

Be advised that until proper validation is provided, you must cease all collection activity and reporting of this debt to credit bureaus, as continued reporting without validation violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

This request is not an acknowledgment of liability for the alleged debt. Please also note that all further communications must be in writing. 

I expect your full compliance with federal law and look forward to your prompt response.

Company response to consumer: Closed with explanation