vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: AL

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, CHALLENGED OR NOT.

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 2025-11-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: WA

Complaint narrative:
I received a {$300.00} virtual prepaid card from the XXXX XXXX XXXX settlement ( Loschen v. Shoreline ). The card was issued to me, XXXX XXXX. After receiving it, I gifted it to my sister-in-law, XXXX XXXX. She successfully registered the card, but it was immediately unusable and later locked. 

Weve been trying to resolve this for over four months. Ive submitted multiple cases to Blackhawk Network ( XXXX, XXXX, XXXX, XXXX, XXXX ), but no resolution has been provided. The card was likely flagged due to the mismatch between the original recipient and the registered user, but I am the rightful recipient and have provided all necessary documentation. 

I am requesting that the card be reissued to me, XXXX XXXX. This delay has caused unnecessary stress and inconvenience, and I believe it constitutes unfair business practices. 
Here is a timeline of the situation : XX/XX/year> XXXXXXXX XXXX XXXXXXXX Support confirmed Case XXXX was submitted via phone. 

XX/XX/year> I emailed XXXX and the dispute team explaining that the card was issued to me but I gifted it to my sister in law XXXX. She was able to register the card in her name but was unable to use the card. 

XX/XX/year> XXXXXXXX XXXX I emailed the XXXX XXXX claim department requesting a new card because the original was not working. 

XX/XX/year> XXXX XXXX XXXX XXXX  Claims responded saying they could not assist with e-payment issues and referred me to Blackhawk XXXX XXXX. 

XX/XX/year> XXXX XXXX Claims followed up again, reiterating that Blackhawk is responsible for resolving the card issue. 

XX/XX/year> XXXX XXXX  confirmed Case XXXX was opened and would receive updates every 3 business days. 

XX/XX/year> I emailed XXXX again, stating the card was still inaccessible and requesting that it be reissued to me. 

XX/XX/year> I emailed XXXX once again and still they do not respond. 

XX/XX/year> XXXX XXXX  confirmed Case XXXX was opened. 

XX/XX/year> I emailed XXXX requesting, Please REISSUE MY CARD. 

XX/XX/year> XXXX XXXX  confirmed Case XXXX was opened. Status : In Progress. 

XX/XX/year> XXXX XXXX followed up stating that they would respond within 3 days. 

XX/XX/year> I emailed XXXX once again asking for some sort of explanation. 

XX/XX/year> I sent another email threatening to file a police report if the issue wasnt resolved, stating it was theft. 

XX/XX/year> I emailed XXXX again stating that it's been 4 months and that I still needed help. 

XX/XX/year> XXXX XXXX  I decided to make a formal complaint with the CFPB in the hopes to get some kind of answers or help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
ConServe is attempting to collect a debt and have threatened to take action through mail and text message. 
XX/XX/year>, I received a Validation Notice claiming I owe {$4300.00} to XXXX XXXX University ( Account # XXXX ). ConServe has provided no legal documentation or signed agreement proving they have the right to collect this alleged debt.

They sent text messages addressed to my name and referenced this account. These contacts are harassing and violate the Fair Debt Collection Practices Act. ConServe has no verified assignment or ownership of this debt and no authority to collect on behalf of the original creditor.

ConServe has also made unauthorized soft credit inquiries across XXXX, XXXX, and XXXX. These were done without my consent or a lawful reason, violating the Fair Credit Reporting Act.

I am demanding that ConServe : Provide full written proof of their legal right to collect this alleged debt.

Remove all unauthorized credit inquiries.

Cease all contact by phone, text, mail, or email.

Attached are copies of their letter, text message, and documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a Citi Double Cash card about a week ago and it was immediately locked for fraud when I tried to use it ; I spent hours on the phone with multiple Citi representatives ( including supervisors XXXX and XXXX and rep XXXX XXXX who provided inconsistent verification requirements, the supervisor XXXX hung up on me, XXXX refused to verify my identity without mailing a letter despite my other credit cards ( Best Buy and XXXX ) being sent to the same address, and I remain unable to use the card after rude, unhelpful service.

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 2025-11-02 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: CA

Complaint narrative:
I have submitted disputes multiple times to update the removal of a school loan that was discharged. The Loan servicer reflects {$0.00} balance, but Experian has not and still refelcts a balance. Each time the say they ha e completed the investigation and result reflects balance and state case closed. I have submitted another dispute XXXX XXXX  with attached screenshots of the email I receieved from Loan servicer proof of discharge.

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 2025-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
I applied for a loan through what I believed was XXXX XXXX, but the loan was actually with Upgrade. The website states : Copyright XXXX  XXXX XXXX XXXX XXXX All rights reserved. Website owned and operated by Upgrade , Inc. Upgrade also does business as XXXX XXXX . Upgrade told me they have no affiliation with XXXX XXXX and could only provide information about the loan itself. I was expecting a promotion of a 27.24 % discount if I paid it toward my debt, and I took the loan specifically to receive this discount. However, Upgrade would not verify or apply the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX Email : XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Identity Theft Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern : I am a victim of identity theft/data breaches, and fraudulent tradelines and inquiries have appeared on my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ), I request that your agency block the reporting of, and delete from my file, all information I identify as resulting from identity theft. The FCRA requires a consumer reporting agency to block such information no later than four ( 4 ) business days after receiving : ( 1 ) proof of my identity, ( 2 ) an Identity Theft Report, and ( 3 ) identification of the information to be blocked.

Data Breaches Notice ( context for heightened risk ) : XXXX  data breach ( widely reported ). 
TransUnion data breach ( reported date : XX/XX/XXXX ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX. 
XXXX. 
XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX. 

Please block and delete the following items from my TransUnion credit file and any associated subfiles : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please suppress any internal or resold reporting of the above items and provide written confirmation when the block/deletion is completed, including an updated copy of my credit file. 

Enclosures ( per XXXX U.S.C. XXXX ( a ) ) : XXXX of government-issued ID and proof of current address. 
Identity Theft Report ( FTC XXXX ). 
Copy of this itemized list and any supporting documents ( e.g., creditor letters ). 

Additional protections requested : XXXX ( or confirm ) an initial fraud alert on my file. 
Provide instructions for a security freeze ; if this letter and enclosures suffice, please apply a freeze and confirm by mail/email. 

Thank you for your prompt attention.

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 2025-11-02 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: FL

Complaint narrative:
On or about XX/XX/year>, TransUnion completed its investigation and confirmed in writing that the XXXX XXXX XXXX  XXXX account had been deleted from my credit report as a result of my dispute. This deletion was also reflected in my TransUnion credit file and on third-party platforms such as XXXX XXXX XXXX confirming that the account was successfully and permanently removed. 

However, as of XX/XX/year>, TransUnion illegally reinserted this same XXXX XXXX XXXX  account back into my credit report, for the second time, causing my TransUnion score to immediately drop XXXX points. This reinsertion occurred without any notice, explanation, or certification from the furnisher as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, a credit reporting agency is prohibited from reinserting previously deleted information unless the furnisher has certified that the information is complete and accurate, and TransUnion must provide the consumer with written notice within 5 business days of the reinsertion. None of these legal requirements were met.

This unauthorized reinsertion has caused serious harm to my creditworthiness and set me back significantly without cause or lawful justification. The repeated appearance of this disputed account after official deletion constitutes a pattern of negligent or willful noncompliance with federal credit reporting laws.

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I found multiple hard inquiries on my TransUnion credit report that I did not authorize. These companies accessed my consumer report without my written consent or permissible purpose under FCRA 1681b. I have disputed this with TransUnion, but the inquiries have not been removed. I request CFPB assistance in requiring TransUnion to delete all unauthorized inquiries and confirm in writing that my report has been corrected.

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Service finance company In XX/XX/year> we needed septic tank work so we could sell our house. XXXX did the work for approx $ XXXX, no interest for 90 days. Did not receive a bill for months. Then a bunch of hysterical phone calls and aggressive " report to credit bureau '' letters for past due amounts. We made payments and when we sold our house asked for loan amount payoff, sent that. Received a bill a month for the next XXXX months. Have communicated in writing and over the phone repeatedly that the loan is paid off and to stop billing us. Paid the bills thinking they just crossed in the mail, but no. 

I sent another check to them last month just to be rid of them. Today I get XXXX bills a new payoff amount {$430.00}, which I sent them last month. Plus we will report you to the credit bureau XXXX. Phone calls continue. The website is always down, does not recognize bank transfers or checks. All in all they XXXX. Help

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 monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> I C SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________ Re : Debt Verification and Cease Communication Request Account/Reference Number : XXXX ________________________________________ To Whom It May Concern : This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) and 1692g ( b ).

I am requesting that you provide validation of the alleged debt, including but not limited to : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of principal, interest, and fees ; 3. A copy of any written agreement bearing my signature showing that I agreed to assume this debt ; and 4. Proof that your company has the legal right to collect on this account.

Until you provide such verification, you must cease all collection activities and communications concerning this alleged debt.

Additionally, pursuant to 15 U.S.C. 1692c ( c ), I am requesting that you cease all further communication with me regarding this matter, except as permitted by law specifically, to provide the requested validation, to confirm that your collection efforts are being terminated, or to notify me of specific legal remedies you intend to pursue.

Please be advised that any further unauthorized communication will be documented and may constitute a violation of federal law.

Thank you for your prompt attention to this matter. 
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 explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Request to Remove Incorrect Account Information XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the reporting of an account listed under XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. This account is reported as a Paid Charge Off with a derogatory status. I am requesting that this account be immediately reviewed and removed from my Equifax credit report. The reported information is inaccurate and does not reflect my actual payment history or current account status. There is insufficient payment information listed ( No Info ), and the account has been closed and paid in full. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report only accurate and verifiable information. Because this listing can not be verified for accuracy, I am requesting that Equifax delete the account from my credit file. Please conduct a reinvestigation of this account and provide me with written confirmation of your findings. If the account can not be verified as accurate, please remove it from my credit report immediately. Thank you for your attention to this matter. Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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 am writing to formally dispute the above-referenced account that XXXX has reported to Experian. This item is inaccurate, unverifiable, and must be removed from my credit report immediately pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681e ( b ) ).

Basis for Dispute 1. Debt Validation Failure : On or before XX/XX/year>, I requested validation of this alleged debt directly from XXXX in accordance with the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). XXXX failed to provide any authentic, itemized, or signed documentation proving I owe the alleged balance. 
2. Insufficient Proof of Ownership or Liability : The only material returned was a XXXX XXXX XXXX XXXX XXXXt form with no payment history, ledger, or acknowledgment that I defaulted. This form neither bears a signature of the creditor confirming balance due nor establishes that XXXX legally purchased or was assigned the debt. 
3. Violation of FCRA 1681e ( b ) : Experian must maintain maximum possible accuracy. Reporting a balance of {$1200.00} without verified proof of debt or ownership is inaccurate. The collection agency can not demonstrate a contractual obligation between me and themselves. 
4. Unverified Amount and Terms : The documentation fails to specify how the {$1200.00} balance was calculated, whether late fees or rental-return charges were applied, or when the debt was incurred. This renders the reporting unverifiable. 
5. Absence of Notice of Assignment or Default : I never received a valid notice from XXXX & XXXX indicating that my account was placed with or sold to XXXX. Without this, XXXX lacks standing to collect or report the account. 
6. Possible FDCPA Violation ( 15 U.S.C. 1692e ( 8 ) ) : Reporting this account to Experian as a valid debt despite lack of verification constitutes communication of false credit information. 
7. Consumer Harm : This inaccurate account has negatively impacted my creditworthiness, resulting in denial of favorable financing terms and emotional distress. Continued reporting without verification is willful non-compliance with FCRA 616 and 617.

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 2025-11-03 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: TX

Complaint narrative:
I am writing to formally dispute the above-referenced account that XXXX has reported to XXXX. This item is inaccurate, unverifiable, and must be removed from my credit report immediately pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681e ( b ) ). 



Basis for Dispute 1. Debt Validation Failure : On or before XX/XX/year>, I requested validation of this alleged debt directly from XXXX in accordance with the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). XXXX failed to provide any authentic, itemized, or signed documentation proving I owe the alleged balance. 
2. Insufficient Proof of Ownership or Liability : The only material returned was a XXXX XXXX XXXX XXXX Agreement  form with no payment history, ledger, or acknowledgment that I defaulted. This form neither bears a signature of the creditor confirming balance due nor establishes that XXXX legally purchased or was assigned the debt. 
3. Violation of FCRA 1681e ( b ) : XXXX  must maintain maximum possible accuracy. Reporting a balance of {$1200.00} without verified proof of debt or ownership is inaccurate. The collection agency can not demonstrate a contractual obligation between me and themselves. 
4. Unverified Amount and Terms : The documentation fails to specify how the {$1200.00} balance was calculated, whether late fees or rental-return charges were applied, or when the debt was incurred. This renders the reporting unverifiable. 
5. Absence of Notice of Assignment or Default : I never received a valid notice from XXXX & XXXX indicating that my account was placed with or sold to XXXX. Without this, XXXX lacks standing to collect or report the account. 
6. Possible FDCPA Violation ( 15 U.S.C. 1692e ( 8 ) ) : Reporting this account to XXXX as a valid debt despite lack of verification constitutes communication of false credit information. 
7. Consumer Harm : This inaccurate account has negatively impacted my creditworthiness, resulting in denial of favorable financing terms and emotional distress. Continued reporting without verification is willful non-compliance with FCRA 616 and 617.

Company response to consumer: Closed with explanation