vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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 a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$8300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3600.00} XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-02 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: AR

Complaint narrative:
lvnv funding XXXX XXXX {$690.00} XXXX Subject : Unlawful Collection Account Reporting FDCPA & FCRA Violations This debt collector has reported a collection account to my consumer credit file without my authorization, consent, or legal validation. I never signed any agreement with this company. No contract exists between us. Under the Fair Debt Collection Practices Act ( FDCPA ), this constitutes a deceptive and unfair practice, in violation of federal consumer protection laws. 

They also failed to provide proper validation within five days of initiating collection activity, which violates Section 809 of the FDCPA. No notice was received, no documents were provided, and I was given no opportunity to dispute this debt prior to it being reported to the credit bureaus. 

I assert that this account is fraudulent, unauthorized, and not related to any transaction I initiated. I suspect that my personal identifying information may have been used without my knowledge, and this is now being reviewed by the Federal Trade Commission. 

Under 15 U.S.C. 1692k, I am entitled to {$1000.00} per violation of the FDCPA. Under 15 U.S.C. 1681s-2 ( b ), any furnisher that continues to report disputed information without conducting a full investigation is also in violation of the FCRA.

If this account is not deleted from all three major consumer reporting agencies immediately, I will proceed with the following : A lawsuit under the FDCPA and FCRA Complaints to the FTC, CFPB, and my State Attorney General A civil claim for damages, including emotional distress and credit denial losses This is your final notice to delete this unverifiable and fraudulent account. 


This company failed to meet its legal obligations under federal law. I am requesting that the CFPB enforce deletion of this collection account and take regulatory action against this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NC

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NC XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To Whom It May Concern, I am writing to request an immediate update to the address listed on my credit file. Please update my records to reflect my new residential address, effective immediately : You are hereby demanded to add and make reference to my new home address and remove any and all old address appearing on my credit report! 
New Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX For verification purposes, I have enclosed copies of the following documents : A valid government-issued photo ID ( such as a drivers license ) A recent utility bill or official correspondence showing my new address Please confirm once this change has been made, and kindly ensure this new address is reflected accurately across my credit file. 
If you require any additional information or documentation, please contact me at the phone number or email listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: AL

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt Letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am writing to formally dispute two accounts that appear on my credit report. These accounts are reported by the following debt collectors : Resurgent Capital Services/ LVNV Funding LLC Both accounts are being disputed due to serious concerns about their accuracy, legal standing, and reporting practices. I have reason to believe these accounts may be unverified, invalid, or related to litigation and are currently under legal dispute. Their continued reporting is damaging and misleading. 

Please investigate and take the following actions : Validate the accuracy and ownership of the accounts. 

Verify that XXXX and LVNV have legal authority to collect and report these debts. 

Remove these accounts from my credit report immediately if they can not be verified or are found to violate the FCRA/FDCPA. 


I am requesting that your bureau perform a full investigation per the Fair Credit Reporting Act ( FCRA ). If XXXX or Resurgent can not validate the debt with proper documentation or are involved in litigation preventing accurate reporting, these accounts must be deleted from my credit file. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
I am submitting this complaint to formally report inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ), which mandates the timely and accurate update of consumer credit reports to reflect bankruptcy discharges. 

On XX/XX/XXXX, I filed for XXXX  XXXX bankruptcy in the XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Ohio, XXXX XXXX under Case No. XXXX. My bankruptcy was fully discharged, and as of XX/XX/XXXX, the court officially closed the case and finalized all proceedings. Despite this discharge, certain accounts that were included in the bankruptcy remain inaccurately reported on my credit report as active, delinquent, or charged off, without any indication that they were discharged in bankruptcy. 

These reporting errors are not only misleading but also unlawful under FCRA and potentially the FDCPA ( 15 U.S.C. 1692e ( 8 ) ) if the information continues to be communicated to third parties as valid debt. I have disputed these inaccuracies with the credit bureaus and furnishers directly, yet the issues persist. 

The continued misreporting has caused substantial personal and financial harm, including denial of credit, elevated insurance premiums, and emotional distress. This undermines the purpose of bankruptcy relief and impairs my ability to rebuild credit post-discharge. 

Attached documentation includes : A copy of my bankruptcy discharge order. 

A copy of the credit report showing inaccurate tradeline reporting. 

Copies of dispute letters sent to credit reporting agencies and creditors. 

Requested Resolution : I am requesting that the CFPB require all furnishers and credit reporting agencies involved to : Immediately update my credit report to accurately reflect the XXXX  XXXX bankruptcy discharge. 

Remove any negative tradelines that were included in the bankruptcy but remain inaccurately reported. 

Conduct a full investigation in compliance with 15 U.S.C. 1681i and provide written confirmation of the results. 

Thank you for your assistance in resolving this matter and upholding my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
In 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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: RI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: WV

Complaint narrative:
I am filing this complaint against Experian and XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

My Experian credit report dated XX/XX/XXXX, contains a collection account reported by XXXX XXXX XXXX, account number XXXX, with a balance of {$780.00} and original creditor listed as XXXXXXXX XXXX XXXX XXXX 

This account is inaccurate and unverifiable for the following reasons : No documentation has been provided to verify the debt, including a contract bearing my signature, itemized billing history, or chain of assignment. 

The information is incomplete and lacks adequate identifying detail, violating the standard of " maximum possible accuracy '' required under 15 U.S.C. 1681e ( b ). 

A fraud alert was placed on my credit report on XX/XX/XXXX, which requires heightened verification under 15 U.S.C. 1681c-1 ( h ). Experian failed to comply by continuing to report this derogatory item without verifying its legitimacy directly with me. 

My prior dispute to Experian was not properly investigated and resulted in no meaningful resolution. The entry remains with no verified supporting documentation. 

XXXX XXXX XXXX has failed to provide validation of the debt under 15 U.S.C. 1692g ( b ) ( Fair Debt Collection Practices Act ) and continues to report an account that is in dispute and 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 explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank dispute failed to resolve dispute for XXXX XXXX XXXX XXXX XXXX FL {$280.00} on XXXX XXXXXXXX XXXX Its been way too long, still shows active and I am requesting Citibank to issue the credit for that amount.

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 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Ive Ben trying for the past days to unlock my account verify myself nobody had a problem with verifying me they tell me wait on a number that never came they keep hanging up on me Im finna also be kicked out my house I honestly need help I have any information they need to verify myself Id everything there not willing to help I called over 20 times a day no help I just please need help wit Citi bank

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 2025-06-02 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: MI

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Because of a recent data breach, my credit report has been corrupted by unauthorized accounts. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : 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 XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6800.00} XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00}

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 2025-06-02 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: Harris & Harris, Ltd.
State: NY

Complaint narrative:
I am requesting the removal of inaccurate and fraudulent personal information from my credit report. There are two addresses and one phone number listed that do not belong to me and with which I have never been associated : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX I have never lived at either of these addresses and do not recognize the phone number. In particular, the XXXX address was fraudulently used to open a XXXX account in the state of Georgia without my knowledge or consent. I am a victim of identity theft and am actively working to correct the false information that has appeared on my credit report. Please investigate and permanently remove these entries from my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation