vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 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: FL

Complaint narrative:
NATIONAL CREDIT SYSTEMS INC XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX RE : Debt Validation Request under the Fair Debt Collection Practices Act ( FDCPA ) Dear Sir or Madam, I am writing to dispute and request full validation of the above-referenced alleged debt, which appears on my credit report. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following information : The total amount of the alleged debt, including an itemized breakdown. 
The name and address of the original creditor. 
A copy of the original lease, contract, or agreement bearing my signature. 
Documentation proving your legal authority to collect this debt. 
The date and amount of the last payment made, if any. 
Verification that the debt is within the legal statute of limitations.

Please note that all collection activities and credit reporting must cease until proper validation is provided. If this debt can not be validated, I request immediate deletion of this account from all credit bureaus to which it has been reported. 
Please respond in writing to the address listed above. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: TX

Complaint narrative:
Dear Credit Reporting Department, I am writing to request your consideration in removing the following account from my credit reports as a goodwill gesture : Account Name XXXX XXXX ( XXXX XXXX ) Date open : XXXX XXXX  Date Open : XX/XX/year>, Status : Closed / Paid in Full / Never Late This account was paid in full and always maintained on time, and I am grateful for the opportunity your company provided to help me build credit. Since paying off this account, I have continued to maintain responsible financial habits and work toward improving my overall credit health with a fresh account with you but these accounts update ever month and shows as a negative impact on my credit because it was closed. 

As a gesture of goodwill, I respectfully ask that you consider removing this account from my credit reports with XXXX, XXXX, and XXXX. I understand this is not required, but it would greatly assist me in continuing to rebuild and strengthen my credit profile. 

Thank you very much for your time and consideration. I appreciate your support and the service your company has provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-09 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: GA

Complaint narrative:
Complaint Against Cash App ( Block , Inc. ) Failure to Refund Mistaken Transfer Date of Incident : XX/XX/year> Amount : {$75.00} Transaction ID : XXXX Company : Cash App ( Block, XXXX ) Summary of Complaint : On XX/XX/year>, at XXXX XXXX, I mistakenly transferred {$75.00} through Cash App to the wrong recipient ( XXXX  ) instead of the intended recipient ( XXXX  ). The XXXX names appear adjacent in my contact list, and I accidentally selected the wrong one. 

Within a few minutes, I recognized the mistake and immediately initiated a refund request through the app. Approximately XXXX minutes later, I called Cash App Customer Service to confirm the refund process. The representative verified that my refund request had been submitted and assured me I would receive follow-up communication regarding resolution. 

Later that same day, at XXXX XXXX, I sent {$75.00} to the correct recipient ( XXXX  ). 

About a week later, when I contacted customer service for an update, I was informed that my refund request had been rejected and closed. The reason provided was that the payment was authorized. This response does not account for the fact that I reported the mistaken payment immediately and provided full details to support correction. 

I explained to Cash App multiple times that : I do not know XXXX. 
The incorrect transfer was an honest mistake, recognized and reported promptly. 
The system selected the wrong contact due to proximity of names. 

Despite my timely report and cooperation, Cash App refused to refund the money, claiming that authorization alone prevented correction. This determination is unfair and inconsistent with good customer service practices or the companys own refund policies for mistaken payments reported immediately. 

Requested Resolution : I request that Cash App ( Block, Inc. ) : 1. Reopen my case and issue a refund of {$75.00} for the mistaken transaction to XXXX. 
XXXX Review its internal procedures for mistaken payments that are reported promptly by customers. 
XXXX. Provide confirmation of corrective action and refund to my account. 

Supporting Information : Transaction ID : XXXX Date : XX/XX/year> Amount : {$75.00} Wrong recipient : XXXX Intended XXXX : C Refund request initiated : within minutes of transaction First customer service call : XX/XX/year>, around XXXX XXXX  Second follow-up call : approximately XX/XX/year> I believe this case demonstrates poor handling of a promptly reported error and constitutes an unfair denial of refund by Cash App. 

Sincerely, XXXX XXXX Cash App Username : XXXX XXXX linked to Cash App : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Global Tel*Link Corporation
State: VA

Complaint narrative:
We are trying to contact a person in XXXX XXXXXXXX XXXX XXXXXXXX. After 2 hours struggle I gave up.! I was trying to deposit funds in order to gain XXXXXXXX XXXX XXXX XXXX XXXX. 


I have some experience with PCs and the Internet so its their horrible system not me the cause of this XXXXXXXX XXXX XXXXXXXX of the worst experiences attempting to set up an account / trying to do a XXXX transaction since the time I started using the Internet in XXXX 
I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX. 

Thank you for taking note and further action against these scoundrels. 

XXXX XXXX XXXX " Summary of complaints about XXXX, previously known as Global Tel Link ( GTL ) Complaints about XXXX ( formerly Global Tel Link or GTL ) primarily involve excessive and hidden fees, poor service reliability, and predatory business practices that have led to actions and settlements with federal regulators like the CFPB and FTC. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am requesting LexisNexis to provide a disclosure report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rossi Law Offices, Ltd
State: CT

Complaint narrative:
Subject : Rossi Law Offices Attempted Collection After Formal Dispute / Wrong Person ( Deceased Relative ) Summary of Complaint : Rossi Law Offices sent me a collection letter dated XX/XX/year>, for a XXXX, Connecticut motor vehicle tax despite the fact that I disputed this alleged debt in writing on XX/XX/year>, under the Fair Debt Collection Practices Act ( FDCPA ). Rossi Law has continued to contact me despite my written dispute and without providing validation. 

This debt does not belong to me. It appears to be related to my deceased mother, who had the same name as me. I am not legally responsible for this account. 

Requested Resolution : Cease all collection activity directed toward me. 

Confirm in writing that the alleged debt will not be reported to any credit bureau. 

Investigate the failure to honor my written dispute and the mistaken identity issue. 

Attachments : Copy of Rossis letter dated XX/XX/year>. 

Copy of my dispute letter dated XX/XX/year>XXXX  ( with proof of mailing if available )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this correspondence to formally dispute an account appearing on my credit report under a student loan servicer, XXXX which is inaccurately reported. The account reflects a XXXX balance, yet it continues to appear in a manner that negatively impacts my credit standing. This misrepresentation is a clear violation of the accuracy and fairness standards mandated under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
I am requesting a full review of the late payments reported on my federal student loan account ( s ). These late payments occurred during a period of verified hardship, and I communicated my situation to the servicer at the time but did not receive the correct assistance or options. 

From XXXX  XXXX  through XXXX, I was XXXX  while XXXX  and later on unpaid XXXX  XXXX. After this, I began a new job that included a ramp-up period before I reached full earning potential. During this period, I was doing my best to stay current, but my income was temporarily unstable. 

I also experienced significant family medical emergencies during this time. My sister was diagnosed with a rare XXXX requiring multiple XXXX, and my mother has XXXX XXXX with life-threatening XXXX  procedures. I was supporting them while transitioning back into stable employment. 

Based on my circumstances, I should have been placed in a temporary forbearance, deferment, or given alternative assistance rather than accumulating negative credit reporting. I communicated my financial hardship to the servicer, but I was not offered the appropriate programs that federal loan borrowers are entitled to during hardship periods. 

These late payments do not reflect my true payment behavior, and I brought my account current once my income stabilized. I am now fully employed with stable income and have maintained on-time payments.

Under FCRA 623 and federal student loan servicing requirements, I am requesting : 1. A review of the accuracy of the late payments.

2. A review of whether I should have been placed into forbearance/deferment during XXXX, XXXX, and documented family medical hardship. 
3. Deletion of late payments that occurred due to lack of proper assistance or miscommunication during hardship. 

Thank you for your time and review.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I assert that the erroneous late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made my payments on time, and any discrepancies in this reporting are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: NC

Complaint narrative:
This account was open on the fraudulent activity. Im a victim of real person identity theft they use my information to open this account which then became negative and derogatory with late payments per the statue. I want this item blocked or deleted permanently within fouXXXX business days. Per the statue 15 USC 1681B041 items within four business days shall be deleted it or blocked as I have proving my identity and proving I am a victim of identity theft I would also like for all credit bureaus to be notified so that they can remove them as well.

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 2025-11-10 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: FL

Complaint narrative:
Checked report, noticed items on report that are not mine, I did not approve of. please remove.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I discovered that LVNV Funding LLC is reporting a collection account on my credit report that is inaccurate and unverifiable. I have never received proper validation of this alleged debt as required by federal law. I requested documentation from the company, but they have failed to provide any proof that this debt is mine or that they have the legal right to collect or report it.

The account in question was reported to the credit bureaus without providing me with the original signed contract, full itemized accounting of the debt, or proof of ownership/assignment from the original creditor. This is a violation of the Fair Credit Reporting Act ( FCRA ) 623 and Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), which require complete verification before reporting or continuing to report an account.

LVNV Funding LLC has not shown any evidence that they are authorized to collect this debt or that they obtained it legally. The company also failed to send a written notice within 5 days of first reporting, as required by FDCPA law.

I am formally requesting that LVNV Funding LLC provide full validation, including but not limited to : the original signed contract, complete itemized accounting, chain of title showing legal ownership, proof of collection rights or licensing in my state, and copies of any communications or reports sent to Experian, Equifax, and TransUnion.

Until complete verification is provided, this account must be deleted in full from all consumer reports under FCRA 611 and 623, and FDCPA 809 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SS # : XXXX XXXX XXXX XXXX DOB : XX/XX/year>XXXX   Subject : Formal Dispute of Inaccurate Personal Information Immediate Correction and Deletion Demanded To Whom It May Concern, This letter serves as a formal notice under the Fair Credit Reporting Act ( FCRA ) that my personal identifying information is being reported inaccurately and unlawfully in your records. You are in violation of multiple federal laws by continuing to associate incorrect or outdated personal data with my consumer file. 

My only correct and verifiable information is as follows : Full Legal Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/year>XXXX  Last Four of SSN : XXXX I am demanding the immediate removal of all inaccurate personal information including, but not limited to, any former names, incorrect aliases, outdated addresses, inaccurate employment history, and incorrect phone numbers that are not directly connected to me by verifiable documentation. 

Under the following provisions of the law, you are in direct violation by continuing to report or retain incorrect information : FCRA 602 ( A ) ( 1 ), 15 U.S.C. 1681 ( a ) ( 1 ) Duty to ensure accuracy and fairness of credit reporting.

FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) Requirement to maintain maximum possible accuracy.

FCRA 611, 15 U.S.C. 1681i Failure to conduct a proper reinvestigation upon dispute.

FCRA 616 & 617, 15 U.S.C. 1681n and 1681o Civil liability for willful and negligent noncompliance with the Act. 

I am demanding a complete reinvestigation and immediate deletion of all unverified or incorrect personal identifiers. Failure to comply within 30 days from receipt of this notice will constitute willful noncompliance, and I will pursue maximum civil penalties and compensation allowable under federal law, including damages of up to {$1000.00} per violation plus legal fees. 

Furthermore, this notice is being sent to the Consumer Financial Protection Bureau ( CFPB ) for review and record of your compliance actions. You are hereby instructed to send a detailed written confirmation once the inaccurate information has been corrected or removed. 

This is your final warning before escalation to civil litigation and federal complaint filings. 

Sincerely, 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 2025-11-09 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I submit this complaint because I have been disputing multiple inaccuracies on my credit reports for over 2 years. Each time I send a dispute to the credit reporting agencies ( Experian, Equifax, TransUnion ), I receive a response that the account ( s ) are verified, yet I am never provided any documentation or validation from the original creditor or collection agency. 

Despite my repeated efforts ( summary of disputes attached ), none of the bureaus or original creditors have provided proper documentation or validation. The reporting agencies rely solely on automated responses that claim verified but give no proof this leaves me with ongoing damage to my credit despite being unable to confirm any legitimate balance, account number, or creditor relationship. 

I believe these practices violate the Fair Credit Reporting Act : Section 611 ( 15 U.S.C. 1681i ) requires deletion of unverifiable information after reinvestigation. Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires maximum possible accuracy of credit reports. The Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) requires proper validation upon my written request.

In the case of medical collections and authorized-user accounts, current policy changes and issuer practices that allow removal when data can not be validated or when I am no longer an authorized user.

I respectfully request that the CFPB review this situation and assist with enforcement of my rights to have these items removed or properly investigated with documentation. I am prepared to provide my credit reports, dispute history, screenshots, and my prior correspondence to support this claim. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I submit this complaint because I have been disputing multiple inaccuracies on my credit reports for over 2 years. Each time I send a dispute to the credit reporting agencies ( Experian, Equifax, TransUnion ), I receive a response that the account ( s ) are verified, yet I am never provided any documentation or validation from the original creditor or collection agency. 

Despite my repeated efforts ( summary of disputes attached ), none of the bureaus or original creditors have provided proper documentation or validation. The reporting agencies rely solely on automated responses that claim verified but give no proof this leaves me with ongoing damage to my credit despite being unable to confirm any legitimate balance, account number, or creditor relationship. 

I believe these practices violate the Fair Credit Reporting Act : Section 611 ( 15 U.S.C. 1681i ) requires deletion of unverifiable information after reinvestigation. Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires maximum possible accuracy of credit reports. The Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) requires proper validation upon my written request.

In the case of medical collections and authorized-user accounts, current policy changes and issuer practices that allow removal when data can not be validated or when I am no longer an authorized user.

I respectfully request that the CFPB review this situation and assist with enforcement of my rights to have these items removed or properly investigated with documentation. I am prepared to provide my credit reports, dispute history, screenshots, and my prior correspondence to support this claim. 

Thank you for your time and attention to this matter. 

Sincerely, 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