vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: WI

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Employer - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX -Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: Block, Inc.
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Cash App ( operated by Block , Inc. ) for their handling of my account following a report of fraudulent activity. 

On [ insert date ], I reported suspected fraudulent transactions on my Cash App account. Instead of receiving support and resolution regarding the issue, my account was abruptly closed without any prior notification or explanation. I was not provided with any communication from Cash App explaining the reason for the closure, nor was I given the opportunity to resolve the issue or access any remaining funds. 

The sudden and unexplained termination of my account has caused significant inconvenience and financial uncertainty. I have made several attempts to contact Cash Apps customer service for clarification and assistance, but I have received either no response or generic messages that do not address my concerns. 

I am requesting that the CFPB investigate this matter and urge Cash App to provide a clear explanation for the account closure, restore access to any remaining funds if applicable, and improve their communication and customer support practicesespecially in situations involving fraud reports from users. 

I am happy to provide any additional documentation or details needed to support this complaint. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
SPRINGOAKS capital account number XXXX in the amount of {$3100.00} Claims this debt belongs to me. I have no knowledge of this account, I have disputed it several times with XXXX serval times and it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: AL

Complaint narrative:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$99.00} XXXX  XXXX Balance : {$240.00} XXXX XXXXXXXX Balance : {$130.00} XXXX  XXXX Balance {$3100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$1000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX Caine Weiner XXXX XXXX XXXX XXXX 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, inaccurate, and false information consists of a collection for {$280.00}. Those accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on the consumer credit reports maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on the consumer credit reports maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MD

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : LVNV Address : XXXX XXXX XXXX, XXXX, SC XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX Dear LVNV I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request t
hat you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your pe
rmissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MD

Complaint narrative:
Experian is knowingly and recklessly reporting two accountsXXXX and XXXX XXXXthat are materially inaccurate, legally noncompliant, and in direct violation of federal law. These accounts have caused substantial harm to my financial integrity, misrepresent my creditworthiness, and are being reported without any lawful substantiation or documentationdespite my formal requests under the Fair Credit Reporting Act ( FCRA ) 1681g and 1681e ( b ). 

XXXX is reporting multiple delinquencies during a period where the account was legally in forbearance. This not only defies the requirements of the CARES Act but constitutes willful misreporting under FCRA and possible deceptive practices under the Consumer Financial Protection Act. Experian has failed to provide any legal validation or documentation to justify reporting these derogatory marks. If the account was not due, it could not have been late. This is a textbook violation. 

XXXX XXXX is being reported as a charge-off with derogatory status, but no payment history, default validation, balance information, or lawful charge-off documentation has ever been provideddespite multiple verification attempts. This account is unverifiable and incomplete, violating Experians legal duty to ensure maximum possible accuracy under FCRA 1681e ( b ). 

Both accounts remain on my credit file despite lacking the minimum legal standards for data accuracy and completeness, constituting willful noncompliance. Experian is therefore in violation of : FCRA 1681e ( b ) Failure to ensure accuracy FCRA 1681g Failure to provide full consumer disclosure FCRA 1681i Failure to reinvestigate or delete unverifiable data CARES Act provisions regarding mortgage forbearance ( LoanDepot ) I have made multiple attempts to obtain proper verification. No response. No validation. No proof. These are unlawful derogatory entries. I demand Experian immediately and permanently delete both accounts or face formal escalation to the CFPB, FTC, State Attorney General, and civil litigation for damages under FCRA 1681n and 1681o.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
Initiated dispute of balance to XXXX charge card but the company information of the reporting company is incorrect. XXXX customer service phone number and address was changed to XXXX XXXX  when their credit card services is through XXXX XXXX  out of Illinois and the number is very different for payments and account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: WI

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.

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 2025-04-11 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: WI

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2025-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I had fraudulent charges made to my account I called and made them aware. They said oh we can send you a new card while the fraud charges continued on my account to the point i had to close that account. I make a new account and they freeze my account. I called them they couldn't give me an answer as to why my account was frozen. I asked for answers on why fraud charges were still being made to the account that I had to close after being issued a new card and why I never received the new card. They couldn't give me an answer on anything .I would like to know why they can freeze my account for no reason but i have to wait 3-5 business days to get any information. I have lost money because of this and now cant access the money I have on my new account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
dispute the validity and accuracy of the alleged bankruptcy reported on my credit report, as well as all related negative accounts. The bankruptcy in question is listed as being filed on XX/XX/XXXX, and reported under case number XXXX. I firmly assert that this bankruptcy, along with its associated debts, has not been accurately reflected on my credit file in accordance with applicable consumer protection laws. 

Upon review of the bankruptcy court records and per their own website, it is clear that the court does not furnish data to credit reporting agencies. As such, any reporting of this bankruptcy and related accounts via third-party vendors, such as XXXX or XXXX, is invalid. The Fair Credit Reporting Act ( FCRA ) mandates that information reported by credit bureaus must be accurate, complete, and verifiable, and I demand that the information be deleted unless it can be directly verified by the original data furnisherthe bankruptcy court itself. 

**Relevant Laws and Violations : ** XXXX. **Fair Credit Reporting Act ( FCRA ) ** XXXX XXXX XXXX ( b ) of the FCRA XXXX credit reporting agencies are required to maintain procedures to ensure the maximum possible accuracy of the information in consumer credit reports. The failure to accurately verify the bankruptcy details through the original court, instead relying on unverifiable third-party sources, constitutes a violation of this statute. 

XXXX. XXXX XXXX XXXX - Right to Dispute** According to this provision, I have the right to dispute the accuracy of information on my credit report. The credit bureaus are obligated to investigate and resolve any disputed information in a timely manner. As the bankruptcy is unverifiable via the original data furnisher, I demand immediate deletion of the associated accounts. 

XXXX. **Fair Debt Collection Practices Act ( FDCPA ) ** The FDCPA prohibits the reporting of inaccurate information to credit bureaus. By reporting an unverifiable bankruptcy and its associated debts, the bureaus are engaging in a practice that violates my rights under this law. 

XXXX. **Case Law : ** - *Crawford v. Equifax, Inc.* XXXX XXXX ) : This case reinforced that third-party verifications are insufficient if they do not come from the original data furnisher, particularly in matters of public records like bankruptcies. 
- *Gorman XXXX XXXX XXXX XXXX XXXX LLP* ( XXXX ) : This ruling established that a creditor 's reliance on third-party vendors for information that can not be independently verified is a violation of 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 non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
dispute the validity and accuracy of the alleged bankruptcy reported on my credit report, as well as all related negative accounts. The bankruptcy in question is listed as being filed on XX/XX/XXXX, and reported under case number XXXX. I firmly assert that this bankruptcy, along with its associated debts, has not been accurately reflected on my credit file in accordance with applicable consumer protection laws. 

Upon review of the bankruptcy court records and per their own website, it is clear that the court does not furnish data to credit reporting agencies. As such, any reporting of this bankruptcy and related accounts via third-party vendors, such as XXXX or XXXX, is invalid. The Fair Credit Reporting Act ( FCRA ) mandates that information reported by credit bureaus must be accurate, complete, and verifiable, and I demand that the information be deleted unless it can be directly verified by the original data furnisherthe bankruptcy court itself. 

**Relevant Laws and Violations : ** XXXX. **Fair Credit Reporting Act ( FCRA ) ** XXXX XXXX XXXX ( b ) of the FCRA XXXX credit reporting agencies are required to maintain procedures to ensure the maximum possible accuracy of the information in consumer credit reports. The failure to accurately verify the bankruptcy details through the original court, instead relying on unverifiable third-party sources, constitutes a violation of this statute. 

XXXX. XXXX XXXX XXXX - Right to Dispute** According to this provision, I have the right to dispute the accuracy of information on my credit report. The credit bureaus are obligated to investigate and resolve any disputed information in a timely manner. As the bankruptcy is unverifiable via the original data furnisher, I demand immediate deletion of the associated accounts. 

XXXX. **Fair Debt Collection Practices Act ( FDCPA ) ** The FDCPA prohibits the reporting of inaccurate information to credit bureaus. By reporting an unverifiable bankruptcy and its associated debts, the bureaus are engaging in a practice that violates my rights under this law. 

XXXX. **Case Law : ** - *Crawford v. Equifax, Inc.* XXXX XXXX ) : This case reinforced that third-party verifications are insufficient if they do not come from the original data furnisher, particularly in matters of public records like bankruptcies. 
- *Gorman XXXX XXXX XXXX XXXX XXXX LLP* ( XXXX ) : This ruling established that a creditor 's reliance on third-party vendors for information that can not be independently verified is a violation of 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 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: LA

Complaint narrative:
original debtor sold loan to third party. I wasn't provided a 1099c from original debtor. The third party does not have my signature or proof of contract that I owe debt to.

Company response to consumer: Closed with explanation