vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: CT

Complaint narrative:
I am formally disputing multiple inaccurate and derogatory accounts currently being reported on my credit file. These items are in violation of the Fair Credit Reporting Act ( FCRA ) Sections 602 and 611, as they contain errors, unverifiable information, and misleading data that are damaging my credit reputation. The following accounts must be immediately verified, corrected, or deleted : 1. XXXX XXXX XXXX XXXX XXXX XXXX - Closed XX/XX/XXXX - Derogatory / Charge-off 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed XX/XX/XXXX - Derogatory / Charge-off 3. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Closed XX/XX/XXXX - ogatory / Charge-off 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Closed XX/XX/XXXX - Derogatory / Charge-off 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reported Lates ( XX/XX/XXXX Days ) - Inconsistent Reporting 6. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Paid Account Still Showing Late 7. XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Paid Collection - Still Reflected Negatively Under FCRA 611 ( a ), you are legally required to conduct a proper investigation and remove or correct any unverifiable data within 30 days. If you can not produce full verification from the original creditor with accurate documentation, you must delete these accounts immediately. Failure to comply will result in formal complaints filed with the CFPB, FTC, and my state attorney general for non-compliance and defamation of credit character under 15 U.S.C. 1681i. I expect written confirmation of deletions or corrections upon completion of your investigation.

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 2025-10-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation
State: AR

Complaint narrative:
I've been fighting for my stimulus since XXXX I had to do amended return because I had moved to Arkansas I mean they had sent my money to an account that was close in XXXX because someone order stuff off it but the IRS put a tractor on it and told me that it was sent to that account so I'm trying to see how do I get my money I have picture of the paper work from the IRS with the account number on it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
I am filing a formal complaint against Experian Information Solutions , Inc. for failing to remove an inaccurate and unverified account from XXXX XXXX XXXX that does not belong to me. XXXX XXXX XXXX sold or transferred the alleged debt to another company without notifying me, and Experian continues to report this false tradeline despite my dispute. Experians actions violate multiple sections of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), including : requiring credit bureaus to follow reasonable procedures to assure maximum possible accuracy ; 15 U.S.C. 1681i ( a ) requiring reinvestigation and deletion of disputed information within 30 days if it can not be verified ; 15 U.S.C. 1681s-2 ( a ) prohibiting furnishers from reporting inaccurate or incomplete data and requiring updates when debts are sold or transferred ; 15 U.S.C. 1692g ( b ) ( FDCPA ) forbidding continued collection or reporting of a debt that has not been properly validated.

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 2025-10-29 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
USAA reopened my closed account # XXXX without consent to intercept {$1000.00} auto claim approved for my VA-protected checking # XXXX. They lied in an XX/XX/XXXX letter ( attached ) claiming maintenance. Debt is 10+ years old time-barred.

Violations : CFPB 2023-03, 38 U.S.C. 5301, Texas DTPA. 
Demand : {$5000.00} ACH to XXXX  Acct # XXXX Routing Number # XXXX and close all USAA accounts.

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 2025-10-29 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: CO

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: IL

Complaint narrative:
I am writing to dispute a latepayment entry currently being reported on my credit report in connection with the account listed below. I believe this entry is inaccurate, incomplete or unverifiable. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ), I have the right to dispute such information and request that it be investigated and corrected or removed if it is found inaccurate. 

Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date of Alleged Late Payment : XX/XX/year> - XX/XX/year> Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date of Alleged Late Payment : XX/XX/year> - XX/XX/year> I was never late in making payments. Please correct and update the inaccurate information on my credit report. 

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company 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 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: KY

Complaint narrative:
Company : Block, Inc. ( Cash App ) Product/Service : Money transfer, virtual currency, or money service Issue : Funds held/stuck due to suspected compliance violation Incident Summary and Chronology I am filing this formal complaint against Block, Inc. ( Cash App ) due to the unlawful and protracted holding of my funds. A verified, recurring domestic money transfer has been held for 21 days ( three weeks ) without resolution. 
Transaction : A weekly rent payment from a tenant to me, which has been successfully processed every week for over one year ( 50+ transactions ). 
Hold Date : The funds were placed on hold approximately 21 days ago. 
Customer Service History : The case has been escalated through three separate support managers ( XXXX, XXXX, and XXXX XXXX ) across multiple support tickets. Each manager has acknowledged the hold but stated they are " unable to take action, '' providing only vague, boilerplate responses. 
Company Justification : Cash App has repeatedly cited general compliance with U.S. sanctions laws ( XXXX ) and its Terms of Service ( specifically related to 31 C.F.R. Parts XXXX and the Bank Secrecy Act ( BSA ) /AML protocols ) as the reason for the delay. 
Basis for Complaint The core issue is Cash App 's failure to complete its compliance review in a timely or transparent manner : Failure to Act : Despite the recurring nature of this domestic transfer, which should clear basic risk models, Cash App has held the funds for 21 days. 
Failure of Due Diligence ( BSA/AML ) XXXX The company continues to request additional information from the payer ( my tenant ), who has complied repeatedly. Cash App has failed to specify the exact missing document or data point required to clear the transaction, resulting in a bureaucratic stall that traps the funds. 
Financial Harm : The funds are unavailable to both the sender and the recipient ( myself ), causing financial hardship and disrupting a critical, predictable expense ( rent ). 
Demand for Resolution I demand the following two actions immediately : Immediate Release of Funds : The held transaction must be completed and the money released to the intended recipient account immediately.

Permanent Account Flag Resolution : I require confirmation that the flags causing this recurring issue have been permanently cleared from both accounts to prevent any future disruption to this long-standing, verifiable domestic payment arrangement. 
The current situation constitutes an unacceptable delay and a failure to comply with fair practice requirements for a money service business regulated under the CFPB 's jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: HI

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing this complaint against LVNV Funding LLC regarding an alleged debt that was placed with XXXX XXXX XXXX, XXXX for collection. I previously filed a CFPB complaint against XXXX XXXX XXXX, and in their written response ( Case Number : XXXX ), they stated that they are not a data furnisher and therefore have not reported any information to any credit bureau . They also stated that LVNV Funding LLC is their client and the alleged owner of the debt. 

I have never received documentation or validation from LVNV Funding LLC proving that they legally own this debt or that I owe the reported balance. The debt is allegedly from XXXX XXXX, XXXX, with a balance of {$1200.00} and reference number XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA 611 ), I am requesting : 1. Complete validation of the debt, including documentation proving LVNV Funding LLCs ownership and chain of assignment from XXXX XXXX, XXXX. 
2. A detailed breakdown showing how the alleged balance was calculated.

3. Removal or deletion of any credit reporting related to this account if LVNV Funding LLC can not provide proper validation. 

This account is negatively impacting my credit profile, and since XXXX XXXX XXXX confirmed they are not the furnisher, I am requesting that LVNV Funding LLC either validate this account in writing or cease all reporting and collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: IN

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-29 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: Ability Recovery Services, LLC
State: VA

Complaint narrative:
Recently I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify. 
Account Name XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Amount {$1300.00} Date XX/XX/year> This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported on credit files

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 2025-10-29 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: WA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX & XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$00.00} 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 case number XXXX, 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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: DC

Complaint narrative:
XXXX claims they are processing my deposit XX/XX/year> but Chime has not posted it. XXXX says they are processing a deposit to Chime but Chime never gave any notice of any deposits being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: NV

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
b'XXXX XXXX XXXX\nXXXX\nXXXXx\n\nXXXX XXXX XXXX\nXXXX\nXXXXXxxxxxxxx\nPlease provide purchase contract agreement \nValidate account'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
There are several accounts on my credit report that I didnt open. I sent proof of identity theft, but the bureaus still havent removed them. These errors are damaging my credit, and Im asking for the CFPBs help to make sure they are deleted and my report is corrected.

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