vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: GA

Complaint narrative:
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX0.00} ) I disputed this collection with Experian, but XXXX XXXX failed to verify the debt within the XXXX timeframe required by the FCRA. I did not receive any documentation proving I owe the amount. This collection continues to negatively impact my credit and should be removed immediately. 

XXXX. XXXX XXXX ( XXXX {$670.00} ) XXXX XXXX is reporting a collection account that I disputed with Experian. The agency did not provide sufficient validation of the debt. I have no contract or agreement with them, and they failed to verify the account within the required period. XXXX requesting deletion from all credit bureaus. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$260.00} ) This collection was disputed previously with Experian. XXXX XXXX XXXX did not verify the debt, provide original documentation, or show evidence that I owe it. It is inaccurate and should be removed under FCRA guidelines. 

XXXX. XXXX XXXX ( XXXX {$190.00} ) This account was paid, but it is still being reported as a charge-off with a balance. I contacted XXXX XXXX and disputed with Experian. Despite multiple requests, no accurate updates have been made. I am requesting this account be updated correctly or removed entirely. 

XXXX. XXXX XXXX XXXX ( {$45.00} ) This account has a low balance and has been paid, yet XXXX continues to report it as a charge-off. No goodwill adjustment has been made, and no resolution has been provided. I am asking for CFPBs assistance in correcting this or removing it from my report. 

XXXX. XXXX XXXX XXXX XXXX ( XXXX {$650.00} ) I do not have a clear record of this account. I disputed it, and it remains unverified. XXXX XXXX XXXX XXXX has not responded to my verification requests. I am requesting deletion unless they provide full validation of the debt. 

XXXX XXXX ( Sold Account {$860.00} ) XXXX XXXX sold this account, but it is still reporting negatively on my credit. They have not updated or removed the item as required after transfer or sale. I request deletion under FCRA guidelines as the account is now with another entity. 




XXXX. XXXX XXXX ( XXXX {$1000.00} ) XXXX is reporting this collection, but I have already disputed it and received no verification. They have not provided evidence of the original contract or balance. This item should be deleted as it violates the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I paid {$500.00} through CashApp to a XXXX property host. The listing was fraudulent it falsely advertised a clean, safe, and habitable space. What I arrived to instead was a dangerous, uninhabitable property infested with bugs, with no air conditioning, broken appliances, and literal fly traps in the bathroom. There were signs of multiple people having access to the space, unsecured doors, and insect remains littered around the exterior and interior. 

I attempted to resolve this through XXXX with no results. I then filed a formal dispute with CashApp, providing evidence including communication with the host, proof of payment, screenshots of the property condition, and texts showing they acknowledged the early check-in failure. My claim was denied within XXXX hours, with no indication that my supporting documents were fully reviewed. 

I appealed through CashApp support and escalated to a manager. I was told that because the case was closed, it could not be reopened even though the decision was clearly made without reviewing my evidence. I submitted additional proof, including a formal written PDF, and received a generic rejection email.

This is not just an error in customer service, this is CashApp enabling fraud and refusing to uphold basic consumer protection for digital wallet users. I was not protected. There was no proper review. I am seeking a full refund of {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Last month i had my credit card stolen and some made fraudulent purchases from the dates of XX/XX/XXXX to XX/XX/XXXX in total of {$20000.00}. When i got back in town from my rrip and noticed the charged i called to report the issue and received a new card. The chase bank on XX/XX/XXXX denied my claim saying i received benefit from this service. I had stated to them when i called tbag the charges were made in a different state that i had never even been to so how would i benefit when my card was stolen. The re billed the charges so now the {$20000.00} balance is still on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-14 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: 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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: 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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: NC

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXXXXXX 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-14 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: NY

Complaint narrative:
I am submitting a formal identity theft complaint. I have filed an FTC Identity Theft Report and provided supporting identification documents. There are multiple unauthorized hard inquiries and two fraudulent accounts on my credit report that I did not authorize or initiate.

These items are the result of identity misuse and must be removed under FCRA Section 605B. I am requesting that all unauthorized entries be permanently deleted based on the evidence provided.

Please process this request accordingly and confirm that these records will be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I have been receiving E mails from a Debt company about accounts that I have never heard of that are with banks that I have never had done business with ( sent copy of Email messages below ) Resurgent Capital Services logo This important message is for XXXX XXXX. If you are not this person please respond letting us know.

Login Contact FAQs Hello XXXX, We are here to help you resolve your account ending in XXXX. Your current outstanding balance of {$5700.00} was originated with XXXX XXXX XXXX XXXX 

At Resurgent, we give you access to a variety of payment options on our self-service website. You can even choose your payment date!

Get Started Please review your account details below. 
Account Number : Ending in XXXX Original Creditor : XXXX XXXX XXXX XXXX Current Owner : LVNV Funding LLC Resurgent ID : XXXX Current Balance : {$5700.00} View My Account Resurgent Capital Services logo Connect With Us XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Resurgent Capital ServiceXXXX XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX Physical Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX General Disputes/ Correspondence : XXXX XXXX XXXX XXXX XXXX SC XXXX Credit Bureau Disputes XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Hours of Operation : Monday - Thursday XXXX EST Friday XXXX EST Saturday XXXX EST Sunday XXXX EST Resurgent Account ID : XXXX Ref Code : XXXX Privacy | Unsubscribe Notice : See below for important information THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: Collection Management Holdings, LLC
State: FL

Complaint narrative:
CREDIT MANAGEMENT COMPANY You reported that I owe on my credit report. I have never signed any formal document agreeing to this, nor have I given verbal permission to enter into any agreement with your company. 

Show me a formal document I want to see proof that I signed something with CREDIT MANAGEMENT COMPANY or gave my verbal consent. If you can not provide that proof, I am requesting that you remove this debt from my credit report immediately and stop all attempts to collect it. 

If you claim I did agree, prove it. If you cant, then you have no legal basis to collect or report this debt, and it must be removed. 

There is no agreement between me and your company. I do not know who you are, and there is no written or verbal agreement between me and CREDIT MANAGEMENT COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: VA

Complaint narrative:
I am formally disputing the inaccurate and unlawful reporting of the above-referenced account on my credit file. After reviewing my credit reports from all three major credit bureaus, I have identified material violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, warranting the immediate deletion of this tradeline.

Violations and Justification for Immediate Deletion : 1. Conflicting Charge-Off Dates and Statuses TransUnion reports a charge-off dated XX/XX/XXXX, with last payment on XX/XX/XXXX. 
XXXX claims the account was charged off and closed due to inactivity, yet also reports the charge-off in XXXX, over 3 years later. 
Equifax shows a balance of {$2400.00} with charge-off activity last reported on XX/XX/XXXX. 
These contradictions fail the FCRAs maximum possible accuracy requirement under 607 ( b ) and violate XXXX XXXX standards. 
2. Re-Aging of Delinquency / Illegal Date Manipulation The accounts last payment/activity occurred in XXXX, yet you continue to update and re-age the charge-off into XXXX. This is a clear re-aging violation under FCRA 605 ( c ) and can illegally extend the derogatory impact.

3. Falsified or Conflicting Closure Reasons XXXX reports closed due to inactivity ; TransUnion reports canceled by grantor ; Equifax says closed by credit grantor. These can not all be true and highlight gross reporting negligence. 
4. Outdated Debt with No Collection Activity No new payments or activity since XXXX. 
Balance was listed as {$0.00} by all three bureaus by XXXX, yet charge-off status continues to update a deceptive practice designed to hurt credit scoring. 



LEGAL DEMAND FOR DELETION : Under my rights granted by : FCRA 611 ( Dispute of Inaccurate Information ) FCRA 605 ( Obsolete Information/7-Year Limitations ) FCRA 607 ( b ) ( Duty of Accuracy ) I hereby demand immediate deletion of this account from all three of my credit reports. The information is : Inaccurate Incomplete In violation of Federal Law Damaging to my creditworthiness If the account can not be verified with complete, consistent, and legally permissible data, it must be removed entirely per FCRA 611 ( a ) ( 5 ) ( A ).

Required Next Steps : You have 30 days to reinvestigate and respond, as required by federal law. If you fail to correct or delete this account, I will : File a complaint with the Consumer Financial Protection Bureau ( CFPB ) Submit evidence to the Federal Trade Commission ( FTC ) Pursue further remedies under 15 U.S.C. 1681n ( civil liability )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: TN

Complaint narrative:
I'm writing to formally dispute inaccurate information on my credit report that is hurting my financial well-being. I'm aware of my rights under the Fair Credit Report Act and request a thorough investigation into these inaccuracies as required by federal law. For all 3 TransUnion, Equifax and Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: TN

Complaint narrative:
I'm writing to formally dispute inaccurate information on my credit report that is hurting my financial well-being. I'm aware of my rights under the Fair Credit Report Act and request a thorough investigation into these inaccuracies as required by federal law. For all 3 TransUnion, Equifax and Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: CA

Complaint narrative:
I am submitting a formal identity theft complaint. I have filed an FTC Identity Theft Report and provided supporting identification documents. There are multiple unauthorized XXXX inquiries and XXXX fraudulent accounts on my credit report that I did not authorize or initiate. 

These items are the result of identity misuse and must be removed under FCRA XXXX XXXX. I am requesting that all unauthorized entries be permanently deleted based on the evidence provided. 

Please process this request accordingly and confirm that these records will be removed.

Company response to consumer: Closed with explanation