vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Hi, my name is XXXX XXXX I wanted to reach out and report because I am in need of a new car and in reviewing my credit report I saw a weird account I did not recognize. I am not responsible for the debt or and never had any kind of contract with them, they didn't provide me with anything when I asked. LVNV Funding LLC, I have no idea who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this third-round follow-up regarding a late payment that continues to be reported inaccurately on my credit file, despite my prior disputes and submission of supporting documentation. The inaccurate reporting remains unresolved, misrepresents my actual payment history, and continues to negatively affect my creditworthiness. 

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 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 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 late 30 days Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation whenever a consumer disputes the accuracy of reported information. Furthermore, FCRA mandates that any information that is unverifiable, inaccurate, or incomplete must be corrected, updated, or removed within the legally required timeframe. The continued reporting of this late payment constitutes a violation of these federal requirements and demonstrates noncompliance by the credit reporting agencies and the furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: GA

Complaint narrative:
I am filing this complaint against TransUnion regarding several hard credit inquiries that were posted to my credit file without my full authorization, permissible purpose, or informed consent as required by federal law. 

The following companies appear on my TransUnion report : 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/2025 I am formally disputing these inquiries and requesting their immediate deletion, as these entities did not present clear, direct, and verifiable authorization from me as required under federal law.

Violation of Federal Consumer Protection Laws 1. Fair Credit Reporting Act ( 15 U.S.C. 1681b ) A credit bureau may not place a hard inquiry on my report unless the furnisher has a permissible purpose and documented authorization.

TransUnion is obligated to : Verify the legal basis for each inquiry, Confirm that I provided explicit consent, Remove any inquiry that can not be substantiated.

2. Fair Credit Reporting Act ( 15 U.S.C. 1681i ) I am invoking my right to : A reasonable reinvestigation, A complete deletion of any entry that can not be verified, A correction of my file within 30 days.

3. GrammLeachBliley Act ( 15 U.S.C. 68016802 ) My private financial information may not be accessed or shared without : My express permission, Proper disclosure, A lawful purpose that I clearly agreed to. 
If any of these inquiries were pulled without my informed consent, they violate my privacy rights and constitute unauthorized access.

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 2025-12-10 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: MA

Complaint narrative:
I am filing a dispute against the three credit bureaus ( Experian, Equifax, and TransUnion ) because they are reporting incorrect names, addresses, and personal information that do not belong to me.

Experian and TransUnion are also not reporting the last four digits of my SSN correctly, which affects proper identity matching.

I am sending my disputes to all three bureaus with copies of my passport, proof of address, and SSN. I am requesting CFPB assistance to ensure correction of these inaccuracies under the FCRA.

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 2025-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
XX/XX/year> Transworld Systems Inc. XXXX received notification that I had a bill turned over to collections. Never received a bill, phone call, or email about this from XXXX XXXX XXXX. So this was really a surprise and have not received any call from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: FL

Complaint narrative:
I am disputing a debt that I do NOT owe. I am not liable for this debt with XXXX. I do NOT have any contract with collection agency VALOR INTELLIGENT PROCESSING and they have failed to provide proper proof of responsibility. Despite this, they continue collection attempts, causing stress and potential harm to my credit. Further, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), any negative reporting related to this alleged account must be removed if the debt can not be verified. I request that VALOR INTELLIGENT PROCESSING immediately cease collection efforts and correct any inaccurate credit reporting tied to this account be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: WI

Complaint narrative:
I just want to Follow up this complaint regarding multiple inaccuracies on my credit reports with Experian, Equifax, and TransUnion that are negatively affecting my credit profile and financial standing. My reported addresses are inconsistent and inaccurate across the three bureaus, including XXXX XXXX XXXX XXXX, XXXX, WI XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX in Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX in Equifax, and XXXX Wisconsin, XXXX, WI XXXX and XXXX XXXX XXXX, WI XXXX XXXX TransUnion, none of which fully reflect my verified residency history. Additionally, my XXXX account XXXX, with a balance of {$8900.00} and last activity on XX/XX/XXXX, is reported only in Equifax and omitted from Experian and TransUnion, resulting in incomplete and misleading reporting. Several hard inquiries are also incorrectly listed or outdated, including XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX ) in Experian, and XXXX XXXX ( XX/XX/XXXX ) in TransUnion, some of which I did not authorize or which exceed permissible reporting time limits. These discrepancies collectively violate the Fair Credit Reporting Act 605 ( a ), 605B, 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 623 ( b ), as the information is inaccurate, obsolete, and has not been properly verified or updated, causing harm to my creditworthiness and financial reputation.

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 2025-12-10 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: NV

Complaint narrative:
am filing a complaint regarding a fraudulent transaction processed through Cash App. A business took multiple payments for services never provided, modified our contract in writing, then revoked the modification, forfeited my payments, and refused communication. 

When I attempted to dispute the transactions, the process was unclear or unavailable. 



Details XXXX. Fraudulent Business Conduct The recipient ( Find Your Light Today / XXXX XXXX ) : Accepted multiple payments Modified contract terms in writing Reversed the modification Closed my account Forfeited my payments Provided no service XXXX. No Support From Cash App I attempted to request help, but Cash App : Offered no dispute mechanism for merchant fraud Provided no investigation results Did not assist in recovering the funds This has resulted in financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/XXXX, there was a Chase offer with XXXX. The offer stated that if you spent {$150.00} or more, you would get {$60.00} back. I texted my sister on XXXX with the offer because I was excited to get a XXXX gift for a reduced price. I spent {$200.00} with XXXX. Normally, a Chase offer takes a few days to hit my credit statement. XX/XX/XXXX, I went to check my card and still nothing. When I looked through my added and expired Chase offers it was gone. I called the customer XXXX XXXX on the back on my XXXX XXXX credit and an escalation was sent on my behalf by customer service. I was told within XXXX business days I would hear back. XX/XX/XXXX and I still havent heard anything so I called customer service again. Was told a letter was sent on XXXX but I never received it. The marketing department stated I needed proof of the offer. I explained how that feels unfair to put the burden on me when theres no way for me to show proof and the customer service person didnt tell me how proof could even be submitted even though I said the best proof I have is a text I sent. Its ridiculous that the company is forcing me to prove the offer existed when they could look and see that it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX day I saw that I had gotten a refund from a company, and I called my bank, Capital One, to try to return it. Then I found out I was actually getting charged by the same company that refunded me. The employee on the phone told me I needed to file a dispute, and thats when I realized there were a bunch of charges on my card, which was strange because I only used it for online purposes. When I first received the card, I put the info on my school account so they could charge it for books, etc., but then I remembered that I hadnt had my physical card since around XX/XX/XXXX last XXXX, since I only used it online and it was already saved on my school account. 
I told the employee I couldnt cancel my card because the card was already loaded on my school account and I needed to make payments the following week. The worker still went ahead and froze my card. I didnt find this out until my school called me saying my payment didnt go through. Once I found this out, I had no choice but to dispute all the charges dated after I lost the card. So, in essence, I filed the dispute because they pressured me to do it. 
I went ahead and explained this specifically in the claim, and the employees can confirm that I lost the physical card around late XXXX XXXX. About XXXX days later, I found out my claim was denied, and the reason was, quote, because the customer had possession of the physical card, which was not true, and I made that very clear. I then requested for it to be reopened, and it was, but now it has been XXXX weeks, and they keep telling me its still openwhile sometimes they tell me its closed. 
To me, it sounds like they are trying not to give me my money back. My question is : how is it taking this long for the investigation to stay open when the original XXXX denied me in about XXXX days and claimed I had the card in my possession? Now, after XXXX weeks, they are still looking into it, which doesnt make any sense. It feels like the XXXX got it wrong the first time, and now they are dragging out the process, which really seems like stalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: FL

Complaint narrative:
This letter serves as a formal follow-up dispute regarding several unverified negative items that continue to appear on my credit report across the XXXX bureaus despite my previous dispute submissions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: FL

Complaint narrative:
This letter serves as a formal follow-up dispute regarding several unverified negative items that continue to appear on my credit report across the XXXX bureaus despite my previous dispute submissions.

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 2025-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
It began when my mother-in-law did not receive her rewards certificate from Citibank XXXX. My wife trying to help her mother called Citibank and informed them she still did not get her rewards after they kept telling her she would get. Then my father-in-law passed and when my wife called Citibank to inform of XXXX passing of her dad, they listed me as deceased. We have different accts, lived XXXX miles apart and different addresses, how could they be so incompetent? A few weeks later my mother-in-law receives a condolence letter from Citibank addressed to the XXXX and not my mother-in-law who spoke with my wife stating they were sorry for passing of my father-in-law. Then she receives a check MADE OUT TO THE REP OF CITIBANK sent to her. My wife called Citibank several times trying to fix the problem to no avail. Citibank notified all the credit bureaus that I AM DECEASED, and Citibank closes my XXXX credit card. My wife calls them again, they claimed they notified the credit bureaus of the error and I would need to re-apply for a new credit card. WHY, IT WAS THEIR ERROR?? I have not been able to use my credit because an XXXX at Citibank closed my account stating I was deceased. I have not been able to receive any rewards and it has greatly impacted my credit scored. I AM NOT DECEASED, I AM VERY MUCH ALIVE!!.

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 2025-12-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
b'I am submitting this follow-up regarding a dispute I previously filed concerning multiple inaccurate, inconsistent, and unverifiable items appearing on my Experian, Equifax, and TransUnion credit reports. Despite providing supporting documentation and requesting a reinvestigation, these items remain on my credit file without proper verification or correction. The continued reporting of these errors misrepresents my actual payment history, misattributes accounts, and is causing measurable harm to my credit profile and financial standing.\n\nJXXXXBalance Owed:XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXXBalanceOwed:XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXBalance Owed: XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance Owed:$329 Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance Owed:XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NC XXXX\n\nThe continued reporting of these inaccuracies violates the Fair Credit Reporting Act (FCRA)  607(b), 609(a), 611(a), and 623(a)(1)(A), consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of any disputed information. Additionally, 15 U.S.C. 1681e(b) mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. The continued presence of unverifiable or inaccurate items constitutes a violation of these federal requirements.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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:
b'I am submitting this follow-up regarding a dispute I previously filed concerning multiple inaccurate, inconsistent, and unverifiable items appearing on my Experian, Equifax, and TransUnion credit reports. Despite providing supporting documentation and requesting a reinvestigation, these items remain on my credit file without proper verification or correction. The continued reporting of these errors misrepresents my actual payment history, misattributes accounts, and is causing measurable harm to my credit profile and financial standing.\n\nJXXXXBalance Owed:XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXXBalanceOwed:XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXBalance Owed: XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance Owed:$329 Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance Owed:XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NC XXXX\n\nThe continued reporting of these inaccuracies violates the Fair Credit Reporting Act (FCRA)  607(b), 609(a), 611(a), and 623(a)(1)(A), consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of any disputed information. Additionally, 15 U.S.C. 1681e(b) mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. The continued presence of unverifiable or inaccurate items constitutes a violation of these federal requirements.'

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 2025-12-10 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: GA

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. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief