vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-05-31 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: FL

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 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 2025-05-31 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: FL

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 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 2025-05-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Netspend Corporation
State: FL

Complaint narrative:
On XX/XX/year>, I attempted to load {$500.00} in cash onto my Netspend prepaid card ( ending in XXXX ) at a XXXX XXXX  store in XXXX XXXXXXXX XXXX. The receipt indicated the transaction failed, but XXXX XXXX confirmed they accepted the cash. Netspend has failed to credit the funds or issue a refund, despite multiple calls, case # XXXX, and reference # 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 2025-05-31 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:
Experian has messed up my XXXX XXXX and credit record for years. 

Recently, they are giving me negative marks for " credit utilization ''. Claiming I am using around 50 % of my credit limit. 

After calculations of all my credit limits and talking to them about the wrong figures, they refused to help and mocked me while telling them I was going to file a CFPB complaint. 

I have a XXXX  of {$200.00}, a XXXX  of {$500.00}, and a XXXX  of XXXX. 
My wife has the {$200.00}, I have the others. I keep all of the cards at 20-25 % utilization, to properly boost my scores, as it's required and suggested by any and all credit advice organizations. Of courses, there are times when it hits and I might be below that %, but I never go above 30 %. My autopay bills on the small Credit cards are set to limits that meet that 20-25 % ratio. The Larger Credit card is a store card for XXXX for furniture. I spent under {$2000.00} on it. and It's still sitting at around {$1600.00}. Far under the 20 % limit. I only got the card to help boost credit. 

Combined, All of my Credit limit accounts that make up for the Lines of Credit and Credit Utilization are FAR beyond under the 50 % mark. Currently, Experian has updated my may Use to be at 15 %. Yet Experian, FOR close to over a YEAR. Has constantly marked my Credit use over 40 %, which degrades my credit score and has had my score go from a XXXX ( XX/XX/year> ), down to XXXX ( XX/XX/year> ), when experian started falsifying the numbers on my credit usage. It took over a year to get back to the XXXX number. All because Experian had False data on my credit usage and refused to fix the numbers. I should be at least XXXX points more than what I am today.

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 2025-05-31 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OH

Complaint narrative:
I used a service XXXX XXXX XXXX  and paid with afterpay on square app the service could not be completed therefore XXXX XXXX XXXX gave me a gift card for a refund I then tried to use the gift card but square closed their account and now I have a XXXX gift card that cant be used at all and square isnt trying to help at all and XXXX dollars is a lot of money to just lose in this economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANKERS HEALTHCARE GROUP LLC
State: FL

Complaint narrative:
I am a victim of identity theft. Several accounts have been fraudulently opened and are being reported on my credit report without my authorization. While I was traveling, I lost my laptop, phone, wallet, and all my identity documents which led to unauthorized individuals gaining access to my personal information and opening these accounts in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have notified all relevant companies that these accounts are fraudulent and not mine. Despite this, they have refused to remove the unauthorized accounts from their records and continue to pursue collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Formal Complaint Regarding Inaccurate Late Payments and Account Closure XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB Representative, I am writing to formally file a complaint regarding an issue that has negatively impacted my credit report and financial standing due to actions by XXXX XXXX, the issuer of the XXXXXXXX XXXX XXXX XXXX 
There are two or more late payments reported on my credit file by XXXX  XXXX  that I believe are inaccurate and unfair, given the circumstances I will outline below : The initial late payment occurred while I was out of the country for my fathers funeral, which made it impossible to access connectivity or manage my account online. I immediately contacted the company upon return to explain the situation. 
1. Since then, I have attempted multiple payments, but XXXX XXXX continued charging a previously invalid debit card, despite my updating my payment method at least three times. The payment failures were due to their system repeatedly using the outdated card.

2. I have made numerous phone calls to their customer service regarding this issue. These calls should be available for monitoring and verification, as per their standard procedure.

3. As a result of what I believe is a system error and miscommunication, my account has now been closed, further damaging my credit.

This issue has had a devastating impact on my credit score, and it is affecting my ability to qualify for a home loan. I am actively in the process of trying to buy a house, and this inaccurate reporting may cost me the opportunity to do so at a critical time in my life. 
I want to be clear : I value my credit, I pay my bills responsibly, and I maintain strong relationships with other financial institutions. This situation does not reflect my credit behavior or intent. 
I am also reaching out directly to XXXX  XXXX  via a goodwill letter, requesting that they remove the late payments and allow me to pay off the past-due balance while continuing with the monthly plan. 
I believe this issue stems from a combination of technical mishandling and unfortunate timing rather than negligence on my part. I respectfully request that the CFPB investigate this situation and assist in resolving it fairly. 
Sincerely, XXXX XXXX XXXX Acct # ending 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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I was a victim of identity theft. I disputed the transaction but no movement on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent Capital XXXX  LVNV Funding failed verify the debt; failed to provide certificate of surety bond as required in the state of Texas for debt collectors, they failed to respond after my request then put a negative remarks on my credit report without providing my request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: OPTUM BANK, INC.
State: CT

Complaint narrative:
Optum Financial is AWFUL & never corrects errors as theyve been advised to & agree to do. XXXX charged my Optum Financial XXXX XXXX  card {$630.00} with NO AUTHORIZATION to do. Ordered script refill via phone w/XXXX ( XXXX XXXX, AZ ) XXXX XXXX on XX/XX/year>, he confirmed pymt method was my spouses Optum Financial XXXX  XXXX XXXX XXXX also confirmed my spouses XXXX card XXXX reflected in XXXX XXXX as my PRIMARY PAYMENT METHOD. Despite all this, {$630.00} was withdrawn from MY XXXX acct with NO authorization to do so. I then spent XXXX  talking to both XXXX AND Optum Financial to XXXX ) Understand why my card was billed in error XXXX ) Get them to fix THEIR error retro to XX/XX/year>, the effective date of error. The reason it needed to be done retro is because my XXXX accrues interest & I shouldnt be penalized interest $ because of their errors. 
Despite multiple calls & assurances theyd back out the {$630.00} erroneous charge retro to XX/XX/year> & rebill my spouses XXXX XXXX XXXX XX/XX/year>, this DID NOT DO SO. I can not spend anymore of my time working to fix me & my spouses Optum Financial XXXX acct errors. 
When it comes to any billing or payment using Optum Financial XXXX, there are always errors that cause me to spend hrs, days & wks trying to fix errors ( between XXXX, XXXX & XXXX ). ALL their I/T systems have errors & need to be fully audited & fixed. 
I have XXXX faith in XXXX XXXX management of our XXXX funds nor their ability to prevent or even identify fraud. ( See my prior FDIC & CFPB complaint earlier this yr & note that absolutely nothing has been done by XXXX or Optum Financial XXXX  to correct Optum banks monthly acct stmts to properly reflect WHO got paid our nor reflect the providers XXXX  which is clearly shown in XXXX  system. It continues to be impossible to reconcile our XXXX acct & balances nor any way to spot potential fraud ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. 

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request. 

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report. 

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law.

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent. 

Your continued reporting of them is reckless and potentially unlawful. 

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. 

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : ( XXXX XXXX XXXX M XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TX

Complaint narrative:
I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164.

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