vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
On or around XX/XX/XXXX, I reviewed my credit report and discovered a charged-off account reported by XXXX XXXX XXXX , later marked as transferred or sold to Spring Oaks Capital . The account shows a balance of {$330.00}, with a last payment date of XX/XX/XXXX and a major delinquency dated XX/XX/XXXX. 

I was never notified by either company about this alleged debt. I did not receive any billing statements, notice of charge-off, or collection communications before this account appeared on my credit report. I was not given an opportunity to dispute or validate this debt in accordance with the law. 

I submitted a formal dispute to XXXX, as allowed under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ). However, XXXX  failed to remove the account or provide proper documentation verifying the accuracy or legitimacy of the information. Instead, the account was simply marked as updated. This reporting remains on my credit file despite not being verified, which I believe violates 15 U.S.C. 1681e ( b ), which requires that only accurate and fully verified information be reported. 

Because this account was reported without my knowledge, without prior contact, and without validation, I consider it to be defamation of character. This negative information is damaging my credit reputation and standing, and it was published to third parties ( creditors and lenders ) without sufficient evidence that it is true or accurate. 

I request that the CFPB investigate this matter and require the company to either : Provide full and complete documentation validating the debt ; Or immediately remove the account from all credit reporting if they can not prove its accuracy and legal basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
Consumer Financial Protection Bureau Complaint Submission Subject : Inaccurate and Unverified Accounts Reported by Credit Bureaus and Collection Agencies To Whom It May Concern, I am filing this complaint due to multiple inaccurate, unverifiable, and improperly reported accounts on my credit report. Despite sending formal dispute letters to the credit bureaus and debt validation letters to the reporting collection agencies, these accounts remain uncorrected in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

These agencies failed to provide verification of the following accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting immediate investigation into these violations. These accounts are damaging my credit profile and were not properly verified under FCRA 609 ( a ) ( 1 ) or 611 ( a ). I reserve the right to take additional legal action if these issues are not resolved promptly. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app closed my account for no reason. This is a business account Ive had for years and Ive reported my 1099 each year makes no sense for my account to have been closed. I do not go against any rules or terms

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: LendingPoint Holdings LLC
State: GA

Complaint narrative:
They looked and saw that I previously filed a complaint XX/XX/year> reference number XXXX where they showed I indeed was not 30 days late at any point. They have still yet to fix it on their end.This loan is also still active and I am making payments on it monthly. 

I have another ticket XX/XX/year> reference number XXXX. I have yet to hear anything back, nor does my credit reflect the update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX / Portfolio Recovery / XXXX XXXX ] is falsely reporting information on my credit report. 

This company is : Reporting themselves as the original creditor, which is inaccurate and misleading Illegally re-aging the account by updating the delinquency date or reporting it as newer than it actually is I have no valid business relationship or agreement with this company, and I have not received proper validation of the debt. The true date of first delinquency is much older than the date currently being reported. This re-aging practice violates the Fair Credit Reporting Act ( FCRA ) and is artificially damaging my credit. 

I am requesting a full investigation and permanent deletion of this tradeline from all credit reports ( XXXX XXXX XXXX XXXX XXXX. This is not a request for correction it is a demand for full removal due to inaccurate and unlawful reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
There are one or more accounts on my credit report that contain inaccurate or incomplete information. Despite my efforts to dispute and request corrections, the creditor ( s ) and credit reporting agency have refused to update, correct, or delete the inaccurate information. This inaccurate reporting is harming my credit score and financial reputation. Under FCRA 623 ( a ) ( 2 ), furnishers are required to conduct a reasonable investigation and promptly correct or delete any information found to be inaccurate or incomplete. However, these obligations have not been met in my case. 
XXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-28 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
A bankruptcy is reporting inaccurately on my credit reports. I am requesting it be removed from my Lexis Nexis report. This inaccurate bankruptcy has already been removed from one of the credit bureau 's reports so far, so I am requesting that Lexis Nexis follows suit. The bankruptcy court has already been contacted. Included is the letter from the bankruptcy court verifying that they did not furnish this information with the credit bureaus or Lexis Nexis. Credit bureaus must be able to verify any debts or judgements listed by the original creditor or furnishers. The credit bureaus are claiming Lexis Nexus furnished this information. The bankruptcy court has verified that they did not furnish this information to Lexis Nexus or the credit bureaus. The Fair Credit Reporting Act requires that credit bureaus validate information with the original creditor and remove any information that can not be validated. Please remove this inaccuracy immediately and also provide an updated Lexis Nexus report showing it has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because a collection account by XXXX XXXX XXXX has been inaccurately reported on my credit report. I have previously disputed this account with the credit reporting agencies and the collection agency, stating that the debt does not belong to me. Despite my dispute, this account remains on my credit report, negatively affecting my creditworthiness. I have not received proper validation of the debt, and no sufficient proof has been provided that this account is mine. Under the Fair Credit Reporting Act ( FCRA ), any item that is inaccurate or can not be verified must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XX/XX/XXXX my debit card through Money Network (XX/XX/XXXX XXXX ) was compromised. I received several emails from apple informing me my card was being added to unknown wallets. I called the money network and they confirmed someone had changed my information and made attempts to transfer funds. I asked how they could do this and they were not able to provide information. They shut my card down and sent the remaining funds via check to my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: AZ

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX CC : [ Equifax/Experian/TransUnion Subject : Formal Dispute Request for Immediate Deletion of All Accounts Due to Identity Theft and Privacy Violations under 15 U.S.C. 1681 ( FCRA ) To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of all accounts and personal information from my credit report that were obtained and reported as a result of identity theft and a data breach, in violation of my federally protected privacy rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Under 15 U.S.C. 1681b, credit reporting agencies are strictly limited in how they obtain and share consumer information. My personal and financial information was compromised without my consent in a known or suspected data breach, and it has been used to open unauthorized accounts in my name.

According to 15 U.S.C. 1681c-2, a consumer has the right to request the blocking or removal of any information resulting from identity theft. I am exercising that right now. I am also referencing my filed FTC Identity Theft Report as evidence. ( FTC Report # : XXXX Actions Requested : 1. Delete all tradelines, inquiries, collections, late payments and other data associated with fraudulent use of my identity from my credit report.

2. Cease all further reporting and sharing of any such unauthorized or unverifiable information.

3. Confirm removal and provide an updated copy of my credit report with all disputed information deleted.

Failure to comply may result in further complaints filed with the FTC, state attorney general, and potential civil action for continued FCRA violations.

I appreciate your prompt attention to this matter and expect full compliance within the FCRA-prescribed timeline. 
Sincerely, 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
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: MD

Complaint narrative:
I signed up for a Netspend debit account through their public {$200.00} bonus offer link on XX/XX/XXXX ( archived link for reference ) : XXXX XXXX XXXXXXXX : XXXX The terms state that I need to acquire a new Netspend Debit Account and activate the Card between XX/XX/XXXX and XX/XX/XXXX. I received the card in the mail last week and activated it promptly. I was also required to enroll in direct deposit and receive direct deposits totaling $ XXXX within 60 days of account opening. I received my direct deposit of {$400.00} on XX/XX/XXXX, one week after opening. The terms state that the bonus will be paid within 5 business days of the qualifying direct deposit activity. However, I have not received my bonus 7 business days later and when calling the Netspend customer service line, they mentioned that they had no record of this promotion. However, the above link clearly shows that this promotion was still active on XX/XX/XXXX, XXXX days after I had signed up. The agent later said that they would get back to me within 24 hours as of last Thursday afternoon, but I have yet to receive a satisfactory resolution.

I have fulfilled all requirements listed for the promotion, and while the promotion is no longer active on the Netspend site, I opened the account while said promotion was active and fulfilled the requirements listed. I therefore believe I should be entitled to the reward promised in this promotion.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously had a utility account with XXXXXXXX XXXX XXXX, but after COVID hit I lost my house and could not pay my bills, so the account with XXXX went into collections and my power was shut off permanently at the end of XXXX. I have not made any payment of any kind against that outstanding balance since then. I did report this account as unpaid due to COVID with all of the credit bureaus, but at some point the 3 bureaus put the debt back onto my credit report with no mention of the COVID designation. 
Eventually the outstanding debt was sold to one or more debt collectors, none of which have I spoken to or communicated with in any form or fashion. I have not made any payments of any kind to the original company or to any subsequent debt collector, yet they continue to report that I have made a payment and that the account was opened recently on my credit report. I have disputed this information multiple times with all 3 bureaus, but they continue to claim that the current debt collector has provided the necessary documentation to prove that the information is correct.

It is impossible to provide proof of something that doesn't exist. I have stated as much to all 3 bureaus multiple times but they have done nothing, nor have they shown me whatever fraudulent documents the debt collector is using to support their false claims. If a debt collector is required to send supporting documentation that proves their information is reported correctly, then that info should be shared with the consumer that initiated the dispute, especially if it results in the credit report not being corrected.

If a debt collector is providing fraudulent documentation to the credit bureaus for monetary gain, they have violated federal law and should be held accountable.

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 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
* * XXXX XXXX * * XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Reporting of XXXX Account Dear XXXX  and CFPB, I am writing to formally lodge a complaint regarding the inaccurate reporting of my XXXX  account, which is adversely affecting my credit score. The account number is XXXX, and I am seeking your assistance in resolving this issue. 

The details of the account are as follows : - * * Account Type : * * Revolving account - * * Account Status : * * Closed - * * Monthly Payment : * * {$0.00} - * * Date Opened : * * XX/XX/XXXX - * * Balance : * * {$0.00} - * * High Credit : * * {$280.00} - * * Credit Limit : * * {$0.00} - * * Payment Status : * * Paid or paying as agreed - * * Last Reported : * * XX/XX/XXXX - * * Date Last Active : * * XX/XX/XXXX - * * Date of Last Payment : * * XX/XX/XXXX I have discovered that this account inaccurately reflects late payments on my credit report with Experian, which does not align with my payment history. Notably, this account is reported differently across various credit reporting agencies : - * * Experian : * * Reports late payments, negatively impacting my credit score. 
- * * XXXX  : * * Shows the account as paid and in good standing, with no late payments. 
- * * XXXX  : * * Reflects the account as paid and does not indicate any late payments. 

This inconsistency raises serious concerns about the accuracy of the information being provided to potential creditors and is damaging my creditworthiness. I maintain a XXXX account with an excellent payment history, demonstrating my commitment to responsible credit management. 

I respectfully request your assistance in addressing this matter. I am seeking either the removal of the XXXX account from my credit report or a correction of the inaccuracies regarding the late payments. The current reporting status is unjust and does not reflect my true credit behavior. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. I appreciate your prompt attention to this matter and kindly request a written confirmation of your findings and any actions taken regarding this complaint. 

Thank you for your assistance. I look forward to your swift response. 

Sincerely, 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital Systems is inaccurately reporting a debt originally tied to XXXX. 

XXXX no longer exists as an operating carrier, and this account dates back several years. I have had no recent communication, no agreement, and have made no payments. Despite this, XXXX XXXX continues to update this account regularly, which is a form of illegal re-aging under the Fair Credit Reporting Act ( FCRA ). 

I am requesting the permanent deletion of this account from all credit bureaus, not correction. The debt is unverifiable, outdated, and being falsely updated to damage my credit score.

Company response to consumer: Closed with explanation