vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because Experian sent me a completely false and misleading letter claiming that certain items on my credit report were blocked due to fraud and were now being reinserted because of alleged material misrepresentation, a supposed written agreement, or because I knowingly obtained goods or services, and I want to make it very clear that I never filed an identity theft claim, never requested a fraud block, never misrepresented anything, and never signed any agreement authorizing Experian to unblock or reinsert anything. This letter is a stall tactic and a direct violation of multiple FCRA provisions, including 611 ( a ) ( 1 ) ( A ) because I submitted factual disputes and Experian refused to reinvestigate, choosing instead to send a fraudulent identity-theft-based stall letter ; 611 ( a ) ( 5 ) ( B ) because Experian illegally reinserted items without obtaining certification of accuracy from the furnishers, without notifying me within five business days, and without providing any verification documentation ; 605B because Experian used fraud-block removal language even though I never filed a fraud block or signed a fraud affidavit, meaning they misapplied the statute entirely ; 607 ( b ) because Experian is reporting information they know is false, including claiming that I filed fraud, agreed in writing, or misrepresented anything ; 623 ( a ) ( 1 ) ( D ) because Experian is reporting unverifiable information and reinserted accounts with no validation or investigation ; and 611 ( a ) ( 2 ) ( A ) because Experian failed to forward my disputes to the furnishers within the required five business days, which means the furnishers never certified accuracy and the reinsertion was unlawful. Experian keeps sending me copies of my own credit report, fraud language I never triggered, and automated e-OSCAR stall responses, none of which qualify as verification under the FCRA, which requires an actual account ledger, billing statements, notices, payment history, proof of accuracy, and certification from the furnisherall of which Experian failed to provide. I am requesting immediate deletion of all items Experian illegally reinserted, removal of any fraud-related flags, a proper reinvestigation of all disputed items, forwarding of my disputes to each furnisher as required by law, and written confirmation that these FCRA violations have been corrected. If Experian continues to send false identity-theft letters or illegally reinsert information without verification, I will pursue legal action for willful noncompliance under FCRA 616617 .

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 2025-11-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting a formal complaint regarding a possible data breach involving my personal and financial information. It appears that my sensitive datasuch as my Social Security number and account detailsmay have been accessed or used without my permission. Under the Fair Credit Reporting Act ( FCRA ) and applicable privacy laws, I have the right to have my information protected and to be informed of any unauthorized activity. 

I am requesting that you immediately : Investigate any unauthorized access or accounts opened using my information. 
Correct or delete any inaccurate information on my credit report related to this incident.

Provide written confirmation of your findings and the actions taken.

If this matter is not addressed promptly, I may escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Please treat this issue as urgent and provide written confirmation of receipt and investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CT

Complaint narrative:
To Whom It XXXX Concern : I am sending this letter to formally notify you that I dispute the validity and accuracy of the alleged debt you are attempting to collect. In addition, I am invoking my rights under federal law to terminate all communication from your agency. 
XXXX. CEASE & DESIST FDCPA ( XXXX U.S.C. XXXX ( c ) ) Under the Fair Debt Collection Practices Act, I am exercising my right to request that your office cease all communication with me immediately, except for the limited purposes permitted under the statute ( such as confirming that collection efforts are terminated or notifying me of specific legal remedies you intend to pursue ). 
Effective immediately, you are prohibited from contacting me via phone, mail, email, or any other method. 
XXXX. FCRA REINVESTIGATION DEMAND XXXX XXXX. XXXX If you have reported, are reporting, or intend to report this alleged account to any consumer reporting agency XXXX XXXX XXXX XXXX XXXX XXXXake notice : I am formally requesting a full reinvestigation of any information you have furnished that pertains to me. Under XXXX5 U.S.C. 1681i, you must : - Conduct a reasonable reinvestigation, - Provide written results of the reinvestigation, - Provide all documentation you relied upon, - Notify all consumer reporting agencies of corrections or deletions, - Delete any information that can not be verified.

3. VALIDATION REQUEST If you intend to continue collection activity despite my dispute, provide all required validation under 15 U.S.C. 1692g, including : - A copy of the original signed contract or application, - Proof you own or were assigned the debt, - Complete accounting history, - Date of default and itemization of all balances, - Proof of your legal right to collect in my state.

Until you provide complete validation, you must cease collection and reporting activity.

4. NOTICE OF RECORDKEEPING You are being placed on notice to preserve all records, call logs, notes, and documents associated with this account, as they may be required for legal proceedings due to potential violations of the FDCPA and FCRA.

5. FINAL NOTICE Failure to comply with this cease and desist request or reinvestigation demand may result in : - Complaints filed with the CFPB, FTC, State Attorney General, - A private civil action seeking statutory and actual damages, - Claims for willful noncompliance under federal law.

I expect written confirmation within 30 days that communication has ceased and that all reporting has been corrected or deleted if you can not verify the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-14 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to dispute the following accounts that I believe are inaccurately reported on my credit reports. Please find the details of the disputed accounts below, separated by bureau. 

CHARGED OFF XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$2200.00} Dispute Reason : Inaccurate reporting of the balance and payment history. 

XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$110.00} Dispute Reason : Incorrect reporting of the account status and balance. 

XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$2800.00} Dispute Reason : Incomplete or inaccurate account reporting. 

XXXX Account Number : XXXX Date Opened : XXXX Balance : {$2400.00} Dispute Reason : Discrepancy in the reported balance and payment history. 

XXXX XXXXXXXX Account Number : XXXX Date Opened : XXXX Balance : {$0.00} Dispute Reason : Incorrect account status 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 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have been using the Square payment processing platform. Recently had a client that needed to pay an invoice. I sent the customer an invoice via Square and all of a sudden Square customer service requested additional documents to verify my account. I agreed and submitted the documents. I also agreed to Square to connecting my business checking account to their platform via a 3rd party site to have visibility to my account activity. Square deactivated my account with an incoming wire pending and refuses to refund the client. They are holding the funds for 90 days to investigate 1 transaction. 


I've been utilizing the square platform to process payments for a few years when a customer prefers to utilize a debit or credit card for payment. We primarily receive bank to bank wire transactions. 

I haven't used the platform in a while so I reconnected my business checking account and sent myself a test invoice of {$5.00} on XX/XX/year>. That transaction was successfully completed and the funds were deposited into the business account. 

On XX/XX/year> I provided my client an invoice payable through the Square Application platform. The customer selected the ACH option instead of using a debit or credit card. This selection upon completion of the ACH transfer triggered a suspicious activity notification from Square and my account was flagged. I complied with all the request from Square and provided them the proper documentation but was later deactivated from my account with an incoming ACH wire pending.

I have been actively trying reach out to Square customer support with little to NO human contact to resolve the situation. Every time I reach out via phone, email, or chat box I'm routed to the same automated prompts that lead me nowhere. 

I've tried to ask the company to refund my customers money in full so we I can discontinue this relationship but the only answer I keep receiving is that the funds are on hold for 90 days pending investigation. This situation for XXXX transaction should be and could be resolved by refunding the customer the money. Square believes they should have the moral and legal authority to withhold funds and not communicate with me the business owner because they deem a legitimate transaction as suspicious without outlining what the suspicious activity is. Also, to hold and not refund the client/customer is also arrogant and dangerous for any small business looking for merchant service support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: AZ

Complaint narrative:
I have received debt collection letters and phone calls from Resurgent Captial Services, based in XXXX, SC for a debt that is not mine. I wrote them a dispute letter with no response. The total they are looking to collect is {$5500.00}. 

The address on the letter they sent me is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: GA

Complaint narrative:
YOUR COMPLAINT To Whom It May Concern, Re : Formal Dispute and Request for Full Student Loan Discharge Due to Unauthorized Disclosure and Breach of Personal Information I am writing to formally dispute my federal student loans and request a complete discharge of the balance due to the unauthorized disclosure, mishandling, and breach of my personal, educational, and financial information. This breach occurred without my consent and directly violates several federal laws that are intended to protect student borrowers.

Because these violations have compromised my privacy, financial security, and legal rights, I am requesting an immediate cancellation and discharge of my student loan debt. Below are the grounds for my request : 1. Violation of the Family Educational Rights and Privacy Act ( FERPA ) My student records were accessed and shared without my authorization. FERPA strictly protects the confidentiality of educational information, and this unauthorized disclosure constitutes a clear violation of my rights under federal law.

2. Breach of the Privacy Act of 1974 My personal and financial data were improperly accessed, handled, or shared without my consent. This breach violates the Privacy Act, which mandates that federal agencies and affiliated entities safeguard personal information and restrict unauthorized disclosures.

3. Violation of the Higher Education Act ( HEA ) As a federal student loan borrower, my information is required to be protected under the HEA. The mishandling of my data demonstrates non-compliance with these protections and constitutes a failure to uphold federal standards.

4. Negligence and Breach of Contract The institution or entity responsible for maintaining and securing my information failed to do so. This negligence has jeopardized my financial stability and placed me at serious risk of identity theft, fraud, and long-term financial harm.

Because of these significant legal and procedural violations, I am requesting the following : Immediate investigation into the breach of my information Full cancellation and discharge of my federal student loans Written confirmation of the actions taken on my account Please process this request as soon as possible and inform me of any additional documentation you may require. I expect all collection activity to cease during the investigation of this dispute.

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: HI

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report : Charged Off Accounts : XXXX - Account Number : XXXXXXXX XXXX XXXX Reported Date : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX Reported Date : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Reported Date : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ClearBalance Holdings, LLC
State: NY

Complaint narrative:
Someone contacted my place of employment and told my colleague that I needed to call back the number they provided within 30 minutes. When I called, the person who answered did not greet me with their name or company name. They told me that it was XXXXXXXX XXXX  where they were located and I explained that I was told to call this number. They proceeded to explain that they are from a legal office, which later I was told was called XXXX XXXX XXXX. The person 's name is XXXX XXXX. They claimed that they are representing their " client '' to collect a debt and said that a letter was sent to my home on XX/XX/XXXX, which I never received. They tried to make it seem like I do not pay attention to my mail, despite me explaining that I look at my mail every day. They knew my social security number, home address, telephone number, email, my husband 's name, telephone number, the industry I work in and my place of employment. They said that their client would email me a Settlement Agreement and that I would need to pay the debt within the hour. I asked for a business address, which they said is XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA, XXXX XXXX and their business license or registration is XXXX. XXXX placed me on hold multiple times claiming she needed to consult with her client. I needed to ask the name of the client and XXXX claims she disclosed that information multiple times. I proceeded to tell her that she never stated the name of her client and that she only referred to them as her " client. '' I was also told that the original creditor is XXXX XXXX and that if I call them they may not have me in the system because the original debt is from XX/XX/XXXX. After expressing that I am not comfortable with making a payment via fax or email, and requesting a hard copy via mail, XXXX said that she can not guarantee that I won't be sued, and that I can do what I need to do. She also stated that I live in a state where wages can be garnished, so I don't need to do anything. I told XXXX that I wasn't comfortable with the whole conversation because there are a lot of scams going on and she sort of laughed it off. She also became defensive when I was asking her for official information or after hearing my frustration, which I would think someone working in a legal office would be able to handle. During our conversation, I received the settlement agreement stating that I need to pay XXXX " no later than XX/XX/XXXX. '' This is the same day. I explained to her that the letter did not have a business name or address and that I would be reporting this as fraud. Within XXXX minutes a new letter was sent but this time with the company name and telephone number, but still no address. I ended the call by telling her that I would need to consult with my lawyer.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccuracies on my credit report and request your assistance in resolving the issues as outlined below. 

Charged Off Accounts XXXX XXXX XXXX XXXXXX/XX/XXXX, {$29000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$1400.00} Inquiries : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation