vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
lvnv funding llc I am responding to your claim that I owe a debt. Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), I am requesting that you provide validation of this debt.

Please provide the following information : The name and address of the original creditor.

The amount of the alleged debt, including an itemized breakdown of all fees, interest, and other charges.

A copy of the original signed contract or agreement showing that I am legally responsible for this debt.

Documentation showing your legal right to collect this debt on behalf of the original creditor.

The date of the last payment or activity on the account.

Until you can provide this documentation, please : Cease all collection activity on this account, including reporting to the credit bureaus, per FDCPA 807 ( 8 ).

Do not contact me except to provide the requested documentation or to notify me of your decision to terminate collection efforts.

Please respond within 30 days of receiving this letter.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX/year>, I was notified by phone that my XXXX XXXX credit card and checking account were closed without any prior notice. 
At that time, I believed XXXX XXXX had made an unfair or fraudulent decision, because they claimed my linked U.S. Bank checking account could not be debited even though I had sufficient funds and had never received any notification of a problem. 

Later, I discovered that the real cause was U.S. Bank. On XX/XX/XXXX, U.S. Bank froze my account for an internal review without informing me in any way there was no notice on the mobile app, no email, no message, nothing. As a result, I kept using my account normally, unaware that it was frozen. 

Because of this hidden freeze, all automatic debits from my U.S. Bank account failed including multiple payments to XXXX XXXX, which caused repeated return payments. XXXX then closed my credit and checking accounts due to these failed transactions. The freeze also triggered a risk investigation on my XXXX account since it could no longer receive transfers. 

I only discovered the freeze after calling U.S. Bank customer service days later, and was told my account had been on hold since the XXXX. Even now, XXXX days later, U.S. Bank has not provided any written notice, explanation, or investigation result, and my funds remain completely inaccessible.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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 — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I opened a Venmo last summer and recently ordered a Venmo debit card. My dad sent me a check for {$150.00}, I deposited it into Venmo which gave me a balance of {$140.00}, since they charged a {$7.00} fee. I tried to use the debit card and it was declined. The next morning I got an email from Venmo saying that they suspended my account for suspicious activity and I had to send pictures of my ID and me holding the ID, which I did. That's when I called customer service and the lady said the message about why my account was frozen didn't make any sense, but she expedited it to 3-5 days. The next morning I got an email thanking me for sending the ID pictures but that I was permanently banned from Venmo and the {$140.00} will be on hold for 6 months to help them prevent losses. I don't have any transactions after the {$140.00} deposit. They won't even give me a reason

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am disputing the XXXX XXXX  account currently being reported as a charge-off. XXXX continues to furnish this account as a charge-off every month, which is inaccurate, misleading, and violates the Fair Credit Reporting Act ( FCRA ). 

A charge-off is a one-time accounting event, not a recurring monthly status. By reporting charge-off each month, XXXX is falsely re-aging the debt and creating the appearance of continuous delinquency, which damages my credit standing. 

This practice violates : FCRA 623 ( a ) ( 1 ) ( A ) : Prohibiting the furnishing of information known to be inaccurate FCRA 607 ( b ) : Requiring maximum possible accuracy FCRA 605 ( a ) : Limiting the reporting period for derogatory information Because XXXX has repeatedly furnished false and misleading information, I am demanding the immediate deletion of the entire XXXX XXXX  account from all credit reporting agencies. This account has been inaccurately reported and continues to cause ongoing harm. 

Please investigate this violation, delete the account entirely, and provide written confirmation of your actions.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The account being reported is not mine and appears to be a reporting mistake.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the accuracy of late payment information being reported on my credit file. The reported late payments on the following accounts are inaccurate, incomplete, and/or unverifiable, and therefore must be updated or deleted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

These inaccurate late payment notations are negatively affecting my credit profile and do not reflect the actual payment history or current status of my accounts.

Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of this information. If the data furnisher can not provide proper documentation verifying the reported delinquencies, you must promptly correct or delete the inaccurate entries from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX knew about the hardship that I was facing during the time I was caring for my mom who ended up passing away but during the time I lost my job and contacted XXXX XXXX XXXX about my account and hardship and they agreed to remove from my credit reports but ended just continuing to threaten to harm my credit reports if no payments received

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I hereby request the immediate removal of this erroneous account from my credit report, as I never authorized its establishment or use. Supporting documentation is enclosed to substantiate my claim.

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: 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 formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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: 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 a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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: 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 a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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: 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:
This letter serves as notice of violations of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus be XXXX XXXX accurate. The accounts listed in my attached correspondence contain inaccurate information. As a result of these violations, I have suffered harm and am entitled to resolution in the form of the immediate deletion of these accounts from my credit report.

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 — Credit inquiries on your report that you don't recognize
Company: Central Research Inc
State: LA

Complaint narrative:
A student loan was fraudulently taken out in my name using my ssn and address. The loan was taken by federal government student aid. XXXX is the owner of the loan. The loan is listed on all my credit reports and the loan is 82 days past due because I did not take out this loan and I did not know it existed until XXXX XXXX. From what I have found the loans were processed on XX/XX/year> and XX/XX/year>. The total amount is {$4700.00} but has now has acquired interest and late fees. I have reported this to XXXX, filled and police report, locked my students profile so the fraud can not do anymore damage, and I have frozen my credit reports to prevent anything else.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a Chapter XXXX bankruptcy discharge on XX/XX/year> ( XXXX XXXX. XXXX ). My Direct Consolidation Loan held by the XXXXXXXX XXXX XXXX XXXX  and serviced by XXXX was listed as a creditor and the XXXX  XXXX served the discharge notice on the servicer/DOE. Despite this, XXXX continues to report a balance owed and post-discharge late payments to Equifax/Experian/TransUnion and has communicated amounts due. 

On numerous occasions, I disputed the inaccurate tradeline ( XXXX ) with Equifax, Experian, and TransUnion, attaching my discharge order and schedules. I also notified XXXX in writing of the discharge and the inaccurate reporting. The inaccurate reporting and balance/late-pay history remain. 

Harm : These inaccuracies lower my credit scores, impairing access to credit and causing financial and emotional distress. I have expended time and costs to correct the 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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: WA

Complaint narrative:
I am submitting a complaint against Square , Inc. for the sudden and unexplained closure of my business account, which I use to process payments as a licensed mental health therapist. After successfully processing a legitimate payment from an insurance company via virtual carda standard method for healthcare reimbursementSquare closed my account without warning and informed me that all funds would be held for up to 180 days. I received no prior notice, justification, or meaningful response to my requests for clarification.

This action has severely disrupted my ability to operate my practice and meet my financial obligations. As a healthcare provider, I rely on prompt and secure payment processing to maintain continuity of care for my clients. Squares decision to withhold my funds for such an excessive period, without explanation, is unfair and harmful. I request that the CFPB investigate Squares business practices regarding account closures and fund holds, and require them to release my funds and provide clear, transparent communication to affected users.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was a victim of identity theft resulting from the XXXX  data breach. Several fraudulent accounts were opened in my name without my knowledge or authorization. After I disputed these accounts, Experian initially deleted them from my credit report. However, the same accounts were later reinserted without proper notification or verification, which was done in error. These inaccurate reinsertions have negatively impacted my credit and caused ongoing issues After disputing these accounts with Experian, the credit bureau initially removed the fraudulent accounts from my credit report. However, Experian later reinserted the same accounts without providing proper written notice or verification as required under the Fair Credit Reporting Act ( FCRA ). This reinsertion was done in error and has caused ongoing harm to my credit profile, including negative reporting and score impact. 

I have documentation showing that the accounts were previously deleted, and I never received any notification or certification of accuracy regarding their reinsertion. I am requesting that Experian permanently delete these fraudulent accounts, correct my credit report, and provide written confirmation of 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 2025-10-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
Vanilla visa gift card XXXX one does not work anywhere anymore. i was able to get it to work for XXXX dollars first few hours on a site then now it wont work all sites decline it. Called customer service and they were not helpful keep telling me my card is fine, it is not. these cards seem a bit shady from what i am reading all over the internet.... 

i have tried it add to XXXX wallet, no luck either, so cant even use it in store. TERRIBLE! i have a XXXX balance i need either the cash or a way to use this card asap! 

i wont add card number here but it ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I assert that the false late payment entries on my accounts are in direct violation of 15 USC 1666. I have consistently paid on time, and any errors in this reporting are both unlawful and unfair.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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