vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NC

Complaint narrative:
Complaint Description I am filing this complaint regarding inaccurate, misleading, or unverifiable information reported by the following companies to one or more consumer reporting agencies : [ Insert company names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ] These companies may have violated the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws by engaging in the following : Reporting inaccurate or unverifiable information to consumer reporting agencies without conducting a proper investigation or ensuring the accuracy of the data, in violation of 15 U.S.C. 1681s-2 ( b ).

Failing to provide proper notice of adverse actions or their intent to furnish negative credit information, which is required under 15 U.S.C. 1681m.

Continuing to report disputed items without marking them as " in dispute '' or failing to properly investigate disputes within the required 30-day timeframe ( 15 U.S.C. 1681i ).

Including accounts that were discharged in bankruptcy or otherwise resolved, in violation of consumer protections under federal bankruptcy law and the FCRA.

Reporting accounts or collections past the allowable time limits ( typically 7 years ) as defined under 15 U.S.C. 1681c ( a ).

Using deceptive, unfair, or abusive acts or practices ( UDAAPs ) under the Dodd-Frank Wall Street Reform and Consumer Protection Act, enforced by the CFPB.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: FL

Complaint narrative:
TrueAccord Attn : Compliance Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Validation Request for Alleged XXXX XXXX XXXX XXXX Debt To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt with XXXX XXXX XXXX XXXX. I do not acknowledge this debt, and I am requesting validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. The amount of the alleged debt and how it was calculated.

2. The name and address of the original creditor. 
XXXX. A copy of the original agreement or contract with XXXX XXXX XXXX XXXX bearing my signature ( if applicable ). 
4. Documentation proving your authority to collect on this debt.

Please also confirm whether this alleged debt is being reported to any credit reporting agencies. If so, note that I am disputing the validity of the debt and request that it be marked as disputed.

If you can not provide this information, I request that you cease collection activities and refrain from further contact, except to provide the requested validation. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), am submitting this formal complaint against LVNV Funding LLC and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Recently, I conducted a thorough investigation of my credit reports and discovered that LVNV Funding LLC is reporting a collection account for {$32000.00}, which is inaccurate, unverifiable, and inconsistent across the three bureaus. I have no contract with LVNV Funding and have repeatedly requested validation through multiple disputes by mail, phone, and online. They failed to provide any proof or proper documentation.

This reporting violates the Fair Credit Reporting Act, including 15 U.S. Code 1681e ( b ) ( requirement for maximum possible accuracy ) and 15 U.S. Code 1681i ( 5 ) ( requirement to delete unverifiable or inaccurate information after reinvestigation ). Each bureau reports different dates and statuses for this account, demonstrating failure to maintain accurate records. 

I am demanding that this collection account be permanently deleted from all of my credit reports immediately, and that LVNV Funding LLC be held accountable for furnishing unverifiable information. I have attached my credit reports, dispute evidence, and an exhibit showing these inconsistencies. I respectfully request the CFPB to investigate these repeated violations and enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: WA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I, XXXX XXXX, am the rightful consumer submitting this dispute, not a third party. I previously submitted a dispute regarding the completeness and accuracy of an account on my credit report, and the company has blatantly failed to conduct a reasonable investigation, as required by law. This negligence is unacceptable and continues to cause severe damage to my credit and financial stability. I have every reason to believe that this information remains inaccurate and incomplete, and the failure to correct it is reckless and damaging. The stress caused by this ongoing issue is severely impacting my well-being, and I refuse to allow this to continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

LVNV FUNDING LLC has violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I made a purchase from a physical retail store using Cash App.for {$37.00} XX/XX/year>. The store sold me a counterfeit toy, misrepresenting it as authentic. They refused a refund. I submitted a formal dispute and appeal to Cash App, showing clear proof the item was fake, but Cash App denied both. This is unfair I was misled, and Cash App is enabling fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: OK

Complaint narrative:
Wakefield and associates has reported the same XXXX medical bill four times on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: DE

Complaint narrative:
My mortgage was transferred to this new company and it says I have a past due balance for court fees and lawyer fees. List as a past due balance on my account. I have spoke to them several times asking them to explain the charges and I have not received any information on these court fees and lawyer fees. My mortgage is paid is up to date. I have never been to court or sued by the mortgage company and they have a past due balance reported on my credit reports and last payment listed for 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 2025-07-16 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: DE

Complaint narrative:
My mortgage was transferred to this new company and it says I have a past due balance for court fees and lawyer fees. List as a past due balance on my account. I have spoke to them several times asking them to explain the charges and I have not received any information on these court fees and lawyer fees. My mortgage is paid is up to date. I have never been to court or sued by the mortgage company and they have a past due balance reported on my credit reports and last payment listed for 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 2025-07-16 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: DE

Complaint narrative:
My mortgage was transferred to this new company and it says I have a past due balance for court fees and lawyer fees. List as a past due balance on my account. I have spoke to them several times asking them to explain the charges and I have not received any information on these court fees and lawyer fees. My mortgage is paid is up to date. I have never been to court or sued by the mortgage company and they have a past due balance reported on my credit reports and last payment listed for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: 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 ( XXXX ), 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I had a credit card open in my name at Navy Federal credit Union that I was not aware of and I did not acknowledge it now I have a collection and closed account. All my credit report in the amount of {$2400.00}. Im just now learning about credit I could not and can not still afford a {$2400.00} credit card and I would like to remove from all three credit bureaus. I did not authorize this transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
SOFI Bank, which Ive used for a long time, decided to close my account the day after I submitted an {$800.00} dispute. They then deposited a provisional credit into my account but are denying me access to it. They are legally required to make it available to use, it even says so in the email they sent me when they deposited the provisional credit was deposited. Upon calling them they refused to say why they closed the account but said I cant access the provisional credit. The man on the phone just ignored me and asked if I need anything else when I repeatedly asked if I was being denied access to the provisional credit. I have bills that Im waiting to pay and they are being extremely shady and unprofessional, even for a SOFI PLUS customer of 5 years. And all of this was because of a clearly hacked XXXX account, immediately was disputed. Outrageously frustrating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing a complaint with US Bank for applying payments incorrectly consistently for the past 6 months. I am required to call in to speak with a representative due to the fact that the company 's system does not allow me to apply my payments to specific fixed rate options on my account. Each time I request support, the payment is applied incorrectly and I am required to call back a second time to attempt to have the payment processed correctly. This is absolutely ridiculous and I have have spoken to multiple people including supervisors who seem to know that there is an issue but it is not being addressed. Below are the dates I have had to make calls too address the issues. Each date required at least XXXX contacts to get it right. 

XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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 2025-07-16 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: PA

Complaint narrative:
I had no involvement in opening these accounts and was unaware of their existence. I formally request their deletion from my credit report within 15 days under USC 1681g, with supporting documentation attached.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
I fully dispute this debt. Cavalry falsely claims I opened the original account in XX/XX/XXXX. That is a blatant misrepresentation. I moved to Florida in XXXX and did not open any credit account with XXXX or XXXX XXXX in XXXX. Their timeline is factually and legally inaccurate. 

Furthermore, I have never entered into any contractual agreement with Cavalry Portfolio Services. They are a third-party debt buyer with whom I have no privity of contract. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, it is unlawful to use false, deceptive, or misleading representations in connection with the collection of a debt. Claiming I owe them based on an alleged purchase of a debtwithout my knowledge or consentis a misrepresentation of the legal status of the debt.

Cavalrys response also appears to be an attempt to re-age the debt, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, as it misleads credit reporting agencies about the age and status of the alleged obligation. 

I demand immediate removal of this tradeline from my credit report and request that Cavalry cease all collection activity. Their claim is not supported by lawful documentation or proper validation. They have failed to provide any legitimate evidence that this debt is mine or that it was legally assigned in accordance with federal and state requirements.

Company response to consumer: Closed with explanation