vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: NC

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : DPT EDXXXX XXXXXX/XX/XXXXBalance Owed : {$2700.00} DPT EDXXXXXX/XX/XXXXBalance Owed : {$4600.00} DPT EDXXXXXX/XX/XXXX Balance Owed : {$8300.00} DPT EDXXXXXX/XX/XXXX Balance Owed : {$5400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Ive contacted them multiple times telling them this wasnt my debt. Belongs to ex spouse

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I just checked my credit report again this morning and was very disappointed to find that unauthorized inquiries are still there. Refreshing the browser didnt resolve anything. This situation must be addressed urgently, and I am asking that the documents Ive provided be reviewed closely so I wont have to keep dealing with this unnecessary frustration.

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 2025-09-15 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: CA

Complaint narrative:
I am writing to file a formal complaint against Cash App concerning the unwarranted and unjustified closure of my business account on or about XX/XX/year>2025. 
On XX/XX/scrub>/2025. I discovered my business account was closed. When I contacted Cash App support for clarification, I was informed that the closure was due to " gambling '' which is a violation of their Terms of Service. Despite multiple requests, Cash App has failed to provide any specific details, evidence, or proof of the alleged wrongdoing. 
I have reviewed all my account activity and am certain that no fraudulent or prohibited activity occurred. My business uses the account for legitimate transactions, and I have maintained full compliance with all of Cash App 's stated policies. The closure of my account without warning, proof, or transparency has been damaging to my business operations and has prevented me from accessing or transferring funds in the account. 
I have made the following attempts to resolve this issue directly with Cash App : XX/XX/year>2025 : I contacted Cash App Support via in-app chat XX/XX/scrub>/2025 : I submitted an appeal through the official Cash App process. 
XX/XX/scrub>/2025 : I followed up with Cash App Support regarding the status of my appeal and requested specific information, which was denied. 
In all communications, Cash App has been unable or unwilling to provide the necessary information for me to understand the basis for their decision or to address the specific allegations. This lack of transparency and refusal to provide proof for such serious accusations is unfair and has caused significant financial and operational distress for my business. 
Requested Resolution : I request the following actions to resolve this complaint : A thorough and transparent reinvestigation into my business account. 
A clear and specific explanation, with supporting evidence, for the reason my account was closed. 
If no valid reason can be proven, the immediate reinstatement of my account. 
Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: CA

Complaint narrative:
I have opened a checking account with Netspend with below advertising. 

" * Receive a {$200.00} credit when you Direct Deposit {$400.00} in 60 days. Banking services provided by XXXX XXXX XXXX, XXXX FDIC. '' Below is the term at the time I've opened the checking accoung. 

" * To qualify for this offer, ( 1 ) you must acquire a new Netspend Prepaid Card or Netspend Debit Account, activate the Card or register the Account, and pass required identity verification between XX/XX/XXXX and XX/XX/XXXX and ( 2 ) enroll in Direct Deposit and receive Direct Deposits totaling {$400.00} or more within 60 days of acquiring the account. The qualifying incentive credit will be applied to your account within 5 business days after the qualifying direct deposit activity. Limit one ( 1 ) offer per account. " I have complied with the term but didn't receive the incentive credit. 
I have called the bank but they keep claiming that I was suppose to receive an email about the advertisement which is not written in the term. I have attached the term and sent email to XXXX but didn't receive a response since XX/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 explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Company : Equifax Product : Credit reporting or other personal consumer reports Issue : Incorrect information on your report Complaint : Equifax is reporting a XXXX XXXX XXXX XXXX XXXX loan account on my credit file that can not be substantiated. I disputed the account, requesting verification of the debt, specifically a signed promissory note or loan contract. 

Equifax responded by marking the account as verified as accurate after its investigation. However, XXXX XXXX has admitted to me in writing on multiple occasions that no signed promissory note exists in my loan file. They even attempted to have me sign a note retroactively more than XXXX years after funding. 

By continuing to report this unverifiable debt as accurate, Equifax has violated the Fair Credit Reporting Act ( FCRA ) by : Failing to conduct a reasonable investigation of my dispute ( 15 U.S.C. 1681i ).

Allowing unverifiable, inaccurate information to remain on my report ( 15 U.S.C. 1681e ( b ) ).

This account has caused ongoing derogatory marks, lowered my credit score, and harmed my financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Past relationships had police reports filed and given to apartment complex was made to know I would not be responsible and now there's collection pending

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Credit card debt
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: MS

Complaint narrative:
" LVNV Funding LLC continues to report inaccurate information on my credit report. They have reported late payments and balances that are incorrect, misleading, and violate FCRA 623 and XXXX XXXX standards. This account has already been deleted by XXXX, yet LVNV continues reporting to other bureaus, creating a false appearance of delinquency and unfairly damaging my credit score and financial opportunities. Despite my previous disputes, LVNV has failed to correct these errors, showing willful noncompliance with federal consumer protection laws. I request immediate correction of all inaccurate data or full deletion of this account from all credit reporting agencies. Continued failure to comply may result in escalation to the CFPB, FTC, and legal remedies for damages caused by their deceptive reporting practices. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TN

Complaint narrative:
This is a follow-up to my earlier dispute regarding multiple conflicting and inaccurate entries on my credit report. Despite my initial request for correction, the issues remain unresolved.XXXX XXXX XXXX entry shows the account opened on XX/XX/XXXX, marked as both late and current, with a last payment on XX/XX/XXXX. 
Another entry for the same creditor, opened on XX/XX/XXXX, is also listed as current, with a last payment on XX/XX/XXXX. 
XXXX XXXX XXXX entry, opened on XX/XX/XXXX, states I was 60 days late, with a last payment on XX/XX/XXXX. 
Another entry, opened on XX/XX/XXXX, shows no payment status at all. 
These conflicting records remain on my file and continue to damage my credit profile. They misrepresent my payment history and violate the Fair Credit Reporting Act, which requires maximum possible accuracy and proper reinvestigation of disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still appearing on my credit report this morning, and I can not understand why. Even after refreshing my browser, they remain there. I need the documents I submitted to be carefully reviewed so this problem can finally be resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CA

Complaint narrative:
XXXX XXXX XXXX is on credit report for {$510.00}. My identity was stolen and i am trying to correct the problem

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 2025-09-15 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX/LVN Funding is on credit report for {$510.00}. My identity was stolen and i am trying to correct the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CL Holdings LLC
State: TX

Complaint narrative:
I am a victim of identity theft ( FTC Report # XXXX, attached ), which has resulted in fraudulent accounts appearing on my credit reports from XXXX XXXX XXXX XXXX, lowering my XXXX score to XXXX and inflating my debt to {$5300.00}. Specifically, Jefferson Capital Systems LLC reports a collection account ( Acct : XXXX ) that I never authorized, tied to identity theft documented since XX/XX/year>. 
Despite my fraud alert ( noted in XXXX XXXX XXXX ) and multiple disputes, Jefferson has failed to validate this debt or remove it, violating FCRA 1681i ( reasonable investigation ) and FDCPA 1692g ( b ) ( validation within 30 days ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing a hard inquiry listed on my credit report that I did not authorize. I have not applied for credit with the reporting entity, nor have I granted permission for any such inquiry. This entry is inaccurate, misleading, and detrimental to my credit profile.

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 2025-09-15 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: MS

Complaint narrative:
TransUnion is reporting an incorrect address on my credit file. On [ insert date you noticed the error, e.g., XX/XX/year> ], I reviewed my credit report and saw an address listed that does not belong to me and where I have never lived which is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX. 
My correct and only address is XXXX XXXX XXXX XXXX XXXX XXXX. 

I submitted a dispute directly to TransUnion requesting correction or removal of the inaccurate address. I provided supporting documents of an FTC report to show my current and correct address. 

TransUnion failed to remove or correct the inaccurate address. This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to investigate disputes, review relevant information, and correct or delete inaccurate or unverifiable information within 30 days. It also violates 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.

The inaccurate address on my report could misrepresent my identity and affect my creditworthiness. I am requesting that TransUnion correct or remove the incorrect address and provide me with an updated credit report showing the correction.

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 2025-09-15 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: CA

Complaint narrative:
I am sending to dispute inaccurate reporting on my credit file regarding late payment history and account status. 

XXXX XXXX Balance {$0.00} Payment Status : Unknown Date Opened : XX/XX/XXXX XXXX  XXXX Balance {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Payment Status : Unknown XXXX XXXX Balance {$4900.00} -TIED UP TO OPEN ACCOUNT XXXX XXXX Balance {$3600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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:
I am sending to dispute inaccurate reporting on my credit file regarding late payment history and account status. 

XXXX XXXX Balance {$0.00} Payment Status : Unknown Date Opened : XX/XX/XXXX XXXX  XXXX Balance {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Payment Status : Unknown XXXX XXXX Balance {$4900.00} -TIED UP TO OPEN ACCOUNT XXXX XXXX Balance {$3600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: CA

Complaint narrative:
I noticed that my credit report contains inaccurate personal information, specifically addresses that should not be associated with me. I have attached valid documents for your reference and ask that these addresses be removed immediately so my report reflects only accurate 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
Consumer complaint received 2025-09-15 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-15 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: SC

Complaint narrative:
Investigation requested for multiple accounts that have been but they come back k verified without updates and still reporting inaccuracies.

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 2025-09-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital OneXXXX XXXX is on credit report for {$510.00}. My identity was stolen and i am trying to correct the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: TX

Complaint narrative:
I went to get a loan and I noticed I am in debt from mohela School district I've never attended nor will I .was on my credit score will not let me get a loan for a different School I need the same loans except XXXX and get the money myself for my school not have someone else fraudulently and robbed me completely blind and I have no idea except a new name to XXXX XXXX XXXX XXXX as well I guess but I have no proof

Company response to consumer: Untimely response
Consumer complaint received 2025-09-15 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 want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing fraudulent accounts that have been incorrectly reported under my identity. I did not authorize, create, or manage these accounts, and their inclusion constitutes inaccurate reporting. The false nature of these entries misrepresents my financial history and harms my credit record.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TransUnion is reporting a XXXX XXXX XXXX XXXX XXXX loan account on my credit file that can not be substantiated. I disputed the account on XX/XX/year> ( Dispute ID XXXX ), noting that it was fraudulent in nature because no valid promissory note exists. 

On XX/XX/year>, TransUnion closed the dispute as verified as accurate. This is incorrect. XXXX XXXX has admitted in multiple communications ( including in-person, via secure messaging, and by mail ) that it has no signed promissory note in its possession. They even attempted to have me sign a blank note retroactively in XX/XX/year>. 

By relying solely on XXXX XXXX word without requiring documentation, TransUnion failed to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). This violates : 15 U.S.C. 1681i ( failure to reasonably investigate a consumer dispute ) ; 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ).

The result is continued inaccurate, derogatory reporting that harms my credit standing and financial opportunities.

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 2025-09-15 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation