vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC
State: TN

Complaint narrative:
I discontinued services with this company and paid the full balance owed, including a XXXX} early termination fee. I was under the impression that the agreement was month-to-month ; however, I was later told otherwise. 

Despite the account being paid in full, this balance has been reported to my credit file. I am currently five days away from securing a home loan, and this inaccurate reporting is causing serious harm.

I spoke directly with customer service and was informed that the account was paid in full and that I was also issued a {$100.00} credit. This confirms that there was no outstanding balance at the time the alleged debt was sold or transferred. Nevertheless, a third party is now attempting to collect on this account and is repeatedly calling and texting me. 

This is false reporting and a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Both the original creditor and the collection agency should be investigated. 

I have attached documentation clearly showing that this balance was paid to XXXX prior to any transfer or sale of the account. This debt is not valid and must be removed immediately from all three credit bureaus. 

If this matter is not resolved promptly, I will proceed with filing formal complaints with the District Attorneys Office, the Consumer Financial Protection Bureau ( CFPB ), and the State Attorney General. 

Please cease all collection activity and correct this error immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I dispute the following accounts with TransUnion, as they contain inaccuracies that I believe violate the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} XXXX CREDIT MANAGEM Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} THE BUREAUS Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX ASST Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX} XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Late Payments : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-12-22 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). The following accounts are being disputed with each respective credit bureau. 

Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} CB/VICSCRT, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} Inquiries : XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
CFPB Complaint : Statement of Facts Financial Institution : XXXX XXXX XXXX XXXX, XXXX. Account Type : Prepaid XXXX ( Ending in XXXX ) Dispute Case Number XXXX XXXXXXXX Total Disputed Amount : {$64.00} XXXX. Description of the Error : On XX/XX/year>, I initiated an " Instant Transfer '' ( Value Load ) of {$33.00} from my XXXX account to my Prepaid XXXX ending in XXXX. After a {$0.00} XXXX fee, the net amount intended to be credited to the card was {$32.00}. 
The financial institution committed a computational bookkeeping error : instead of posting this transaction as a Credit ( Load ), they posted it as a Purchase ( XXXX ). This resulted in {$32.00} being deducted from my balance rather than added to it. To correct this error, a total adjustment of {$64.00} is required ( {$32.00} to reverse the incorrect debit and {$32.00} to apply the original intended credit ). 

XXXX. Evidence of Successful Transfer : I have provided the institution with a formal investigation report from XXXX. XXXX processor confirmed the funds were successfully delivered to the card issuer. The XXXX XXXX XXXX ( XXXX ) for this transaction is XXXX. This number allows the bank to trace the credit directly, proving that the money is in their system but was misapplied to my account. 

XXXX. Violation of Regulation E ( 12 CFR 1005.11 ) : I submitted a formal Cardholder Dispute Form and a detailed narrative explaining this bookkeeping error on XX/XX/year>. Under Regulation E, the financial institution had XXXX business days to either resolve the error or provide provisional credit while the investigation continued. 
As of XX/XX/year> ( over XXXX business days since the formal notice ), no provisional credit has been issued. Furthermore, the institution 's most recent communication on XX/XX/year>, stated the dispute is " still in progress with the merchant '' and could take XXXX days. This is an incorrect application of dispute timelines ; this is not a merchant/service dispute, but a documented bookkeeping error by the issuer, which requires immediate provisional credit under federal law. 

XXXX. Attempts to Resolve : I have contacted the institution multiple times ( Cases : XXXX, XXXX, and XXXX ). Each time, the institution has attempted to " reset the clock '' by opening new case numbers or mischaracterizing the nature of the error to avoid the Regulation E provisional credit requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$73.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX 

Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payments XXXX XXXX XXXX Account Number : 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow-up complaint regarding [ XXXX / Equifax / XXXX ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX my cash app account was hacked and XXXX in the morning transactions were made while I was sleep. {$1800.00} was stolen from my bank account through cash app. I reported this to cash up and they said they will get back to me. They got back to me on XX/XX/XXXX and told me that they couldn't do anything about it and they can't recover the money that was stolen for me. that's why I'm reaching out to you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: South River Mortgage, LLC
State: GA

Complaint narrative:
I was working on a reverse mortage with South River Mortage ( XXXX XXXX ). The promissory loan amount was severely less then the at closing proposed payout of money so I refused to sign off with this loan and company! The XXXX XXXX XXXX was instructed by XXXX the representative of South River to place a mechanical lien on my property for XXXX instead of the lender himself paying him which happens when someone doesnt close with the lender. The charges that XXXX XXXX had down on this invoice are outrageous considering the disposal fee of over {$1000.00} the porch that was taken off my house is XXXX feet from the new one so they didnt dispose of anything the material they brought to the house they fitted on top of the car, which was a small car so you can imagine how much material that could possibly be and the labor cost for the work that was done when XXXX of the polls that were supposed to be anchored into the ground for the mobile home foundation were just laying up under the mobile home never disturbed the ground not XXXX time. Not to mention the fact that he used my tools and my lighting in order to go under there and not do the job that he was supposed to do to begin with. I had a inspection XXXX days after he was finished and it failed FHA guidelines. The gentleman that fixed the porches had no relation to this man XXXX XXXX, I can call him as a witness because Ive spoken to him. We became pretty good friends while he was working on the porches. This is a fraudulent scam both by XXXX XXXX and South River mortgage and I dont know how theyre in connection with each other. I do know that he had me on speaker with XXXX XXXX XXXX from South River mortgage without my permission and I was sending an offer after he spoke with XXXX for a little bit more than what the closing offer which I denied because it was not the initial amount that was agreed upon. Both companies are committing, elderly abuse and trying to get over and scam an XXXX-year-old woman out of her home. Both company should be held liable for the defamation of character and the time and effort and money put into contesting the notice for this lien and getting the payments in in order to pay for the filings for this contestant of lien. I hope that you could help me with this situation. Please contact me with any questions or concerns at XXXX. 

Sincerely, XXXX XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX The above emailed on XX/XX/XXXX to collect the debt, the second company Ive been contacted by on behalf of XXXX XXXX XXXX/LVNV Funding LLC . Wanting to verify this wasnt a scam I asked them to provide the billing statements and account details for the debt. They closed the account with no further communication. I was contacted again today XX/XX/year> by Resurgent Capital Services regarding this debt threatening to legal action and a lawsuit if the debt isnt paid. I have once again asked in writing for proof of this debt but at this point feel as if my rights have been violated numerous times by XXXX XXXX XXXX  and LVNV Funding LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Avid Acceptance, LLC
State: MO

Complaint narrative:
It's regarding harassing calls, emails and putting notes on the door. My payments are due on the XXXX of each month, starting the XXXX the harassment starts. It's not even 5 days old and they start harassing me. I asked them to stop with the emails and the call it gets worst.

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 2025-12-22 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint because inaccurate and unverifiable information is continuing to report on my consumer credit file despite prior disputes. I am requesting full correction/deletion of the items listed below and written confirmation of the actions taken. 

Disputed tradelines / reporting : XXXX XXXX Acct : XXXX This account was not authorized by me and is the result of fraudulent activity. I have already disputed this item and provided supporting documentation. The bureaus and/or furnishers have relied on generic verification without producing competent evidence. Continued reporting violates FCRA accuracy and reinvestigation requirements, and I am requesting that this item be blocked/deleted. 

XXXX XXXX XXXX Acct : XXXX This account is reporting inaccurate late payments for XX/XX/XXXX ( 30-day late ) and XX/XX/XXXX ( 30-day late ). These delinquency codes are inaccurate and materially misleading. I am requesting removal/correction of these late payment notations and a corrected payment history. 

XXXX XXXX XXXX Acct : XXXX This account is reporting inaccurate late payment history : XX/XX/XXXX ( 30-day late ), XX/XX/XXXX ( 120-day late ), XX/XX/XXXX ( 90-day late ), XX/XX/XXXX ( 150-day late ). These codes are internally inconsistent and remain unverifiable. I am requesting deletion/correction of the disputed delinquency history. 

Disputed personal information ( addresses to delete ) : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX Cherry XXXX XXXX XXXX XXXX, XXXX  XXXX These addresses are not mine and must be removed to prevent misassociation and reinsertion of inaccurate items. 

Relief Requested : Delete/block the XXXX tradeline listed above. 

Correct/remove the disputed late payments for XXXX as listed above. 

Delete the disputed addresses. 

Provide written investigation results, including the furnishers contacted and the verification basis used. 

I am requesting the CFPBs assistance to ensure compliance with the Fair Credit Reporting Act regarding reasonable reinvestigation, maximum possible accuracy, and correction/deletion of unverifiable information.

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