vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
am filing this complaint regarding inaccurate late payment reporting on my credit report. 

The account in question is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : My credit reports from TransUnion, Experian, and Equifax are showing multiple late payment entries for this account. However, these late payments are inaccurate and inconsistent across the bureaus. Specifically : 1. The payment history reflects repeated XXXX, XXXX, and XXXX late payments that do not align with my actual payment records.

2. The same months are reported differently across the XXXX bureaus ( e.g., a month may show OK with one bureau but XX/XX/year> late with another ). 
3. These discrepancies indicate unreliable reporting and a failure to maintain accurate data.

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 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I received an email from Cash App stating that my Cash Card had been deactivated and that any paychecks sent to my account would be returned. When I logged into my account, I saw that it had been permanently XXXX. 

I immediately submitted an appeal through the Cash App support process. I explained that I only use my account to receive direct deposits ( family support ) and to make small everyday purchases. I do not engage in fraud, scams, or prohibited activities. 

Cash App support escalated my case, but on XX/XX/year>, I received a final email from a Cash App representative stating that my account would remain permanently closed. They did not provide any specific reason for the closure despite my request for clarification. 

As of now, I am unable to access my account or receive funds for essential needs like food and bills. I believe this closure was made in error and I am requesting that my account be reinstated or that Cash App provide a clear explanation for this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] [ Debt Collectors Name ] [ Debt Collectors Address ] [ City, State, ZIP Code ] Re : Debt Validation Request Account # : [ Insert Account Number ] Dear [ Debt Collectors Name ], I am writing in response to your [ letter/phone call ] dated [ insert date ], regarding the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide validation of this debt. 
Please provide the following : The amount of the debt. 
The name of the original creditor. 
Detailed statements showing how the debt amount was calculated, including any fees or interest. 
Copies of any documents or contracts that prove I am responsible for this debt. 
Any judgment information ( if applicable ). 
Until you provide this verification, I request that all collection activities cease, and that you do not report this debt to any credit reporting agencies, as I am disputing its validity. 
Please respond to this request in writing at the address listed above. Do not contact me by phone. 
Thank you for your prompt attention to this matter. 
Sincerely, [ Your Signature ] [ Your Printed Name ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: IN

Complaint narrative:
CFPB Complaint Exclusive Equity Notice number XXXX Issue : Inaccurate reporting of a fully settled and discharged account. 

Company : XXXX XXXX XXXX ( furnisher of information ) Experian / Equifax XXXX TransUnion ( consumer reporting agencies ) Complaint Statement This complaint is brought in equity regarding an account alleged by XXXX XXXX XXXX, which is being inaccurately reported by all three consumer reporting agencies. 

The account in question has been XXXX and settled in full. This fact is evidenced by : XXXX. XXXX XXXX Report showing balances paid in full ( {$0.00} ) and the title listed as free and clear. 
XXXX. XXXX XXXX the state XXXX has already accepted the XXXX  lien release report, further affirming that the XXXX and obligation have been satisfied. 
XXXX. XXXX XXXX the account and related property are under trust jurisdiction, and all obligations have been reconciled within the trusts private ledger. 

Despite notice of satisfaction, the credit bureaus continue to report late payments and derogatory marks on this account. 



Violation in Equity In equity, once an obligation is securitized, settled, and discharged, no adverse reports may lawfully persist. 
Continued reporting of this account as delinquent constitutes : A violation of accuracy duties under the FCRA ( 15 U.S.C. 1681e ( b ) ) ; Failure to conduct a proper reinvestigation after notice ( 15 U.S.C. 1681i ) ; An equitable breach, as the account is no longer enforceable and has been closed in trust records. 



Relief Sought I require that Experian, Equifax, and TransUnion : XXXX. Update the XXXX XXXX account status to Paid in Full / {$0.00} balance/ Never Late. 
XXXX. Remove all derogatory or late-payment history associated with this account. 
XXXX. Provide written confirmation of the corrected reporting within statutory timelines. 

This is the first notice to correct and update the account. Failure to do so will escalate into further equitable and legal remedies, including pursuit of injunctions and damages. 



Supporting Evidence XXXX  lien report ( showing balances {$0.00}, title free and clear ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: IN

Complaint narrative:
CFPB Complaint Exclusive Equity Notice number XXXX Issue : Inaccurate reporting of a fully settled and discharged account. 

Company : XXXX XXXX XXXX ( furnisher of information ) Experian / Equifax XXXX TransUnion ( consumer reporting agencies ) Complaint Statement This complaint is brought in equity regarding an account alleged by XXXX XXXX XXXX, which is being inaccurately reported by all three consumer reporting agencies. 

The account in question has been XXXX and settled in full. This fact is evidenced by : XXXX. XXXX XXXX Report showing balances paid in full ( {$0.00} ) and the title listed as free and clear. 
XXXX. XXXX XXXX the state XXXX has already accepted the XXXX  lien release report, further affirming that the XXXX and obligation have been satisfied. 
XXXX. XXXX XXXX the account and related property are under trust jurisdiction, and all obligations have been reconciled within the trusts private ledger. 

Despite notice of satisfaction, the credit bureaus continue to report late payments and derogatory marks on this account. 



Violation in Equity In equity, once an obligation is securitized, settled, and discharged, no adverse reports may lawfully persist. 
Continued reporting of this account as delinquent constitutes : A violation of accuracy duties under the FCRA ( 15 U.S.C. 1681e ( b ) ) ; Failure to conduct a proper reinvestigation after notice ( 15 U.S.C. 1681i ) ; An equitable breach, as the account is no longer enforceable and has been closed in trust records. 



Relief Sought I require that Experian, Equifax, and TransUnion : XXXX. Update the XXXX XXXX account status to Paid in Full / {$0.00} balance/ Never Late. 
XXXX. Remove all derogatory or late-payment history associated with this account. 
XXXX. Provide written confirmation of the corrected reporting within statutory timelines. 

This is the first notice to correct and update the account. Failure to do so will escalate into further equitable and legal remedies, including pursuit of injunctions and damages. 



Supporting Evidence XXXX  lien report ( showing balances {$0.00}, title free and clear ).

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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: AR

Complaint narrative:
Cease and Desist Communication Notice under 15 U.S. Code 1692c ( c ) To Whom It May Concern, This letter serves as your legal notice to immediately cease and desist all communication with me in regard to any alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c ( c ), once a written notice is provided by a consumer requesting that a debt collector cease further communication, the collector must cease all contact except to : Advise that further efforts are being terminated ; Notify that specific remedies which are ordinarily invoked may be pursued ; or Notify that the debt collector intends to invoke a specific remedy. I am exercising my right under federal law to request that you stop all contact with me regarding any and all alleged debts. This includes phone calls, letters, emails, or any other form of communication. Failure to comply with this request is a violation of federal law and may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or legal action against your agency. Please be advised that I am keeping detailed records of all communications from your agency, including copies of correspondence and phone logs. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: OR

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. I need them to delete and block these inaccurate accounts from reflecting on my credit report.

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 2025-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
On XX/XX/year>, I had an existing car loan with XXXX XXXX. I took out a loan with OneMain Financial that used my car as collateral. As part of that process, OneMain Financial paid off my XXXX XXXX loan to obtain the title. 

Within 24 hours, I canceled the OneMain Financial loan within their 7-day cancellation policy and returned all funds to them. This should have resulted in a complete reversal of all transactions, including the payoff XXXX XXXX received. 

However, XXXX XXXX has refused to properly reverse this transaction. Instead, they want to : 1. Keep OneMain Financial 's payoff check 2. Simply return the title to OneMain Financial 3. Not reinstate my original car loan This approach is unacceptable because : XXXX. XXXX XXXX received money as part of a loan transaction I legally canceled 2. They can not keep money from a canceled loan without providing the loan service 3. This would leave me without any car financing despite having paid for it 4. They are essentially profiting from my canceled loan It has been nearly 7 weeks since I canceled the OneMain Financial loan, and XXXX XXXX refuses to coordinate the proper reversal that would restore my original loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize this inquiry, nor did I have any communication with that lender on the stated date.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have encountered difficulties accessing my EXPERIAN & EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
I received debt collection letter from Jefferson Capital Systems LLC, address " XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX stating they bought debt from XXXXXXXX XXXX XXXX AThis debt remains as OPEN on my credit report. Under the Fair Debt Collection Act I have the right to receive validation of debt explaining : What this debt is for. 2. Accumulation of balance, including history to prove if alleged balance is correct. 3. Documentation where I agreed to pay debt. 4. Agreement that I grant them authority to collect on alleged debt. 5. Their state License and number. I need them to stop contacting me except to provide me with accurate verification or remove this alleged debt from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am disputing the inaccurate reporting of my federal student loan account ending in XXXX, serviced by XXXX XXXX and reported to XXXX. 

On my XX/XX/year> Experian ; XXXX  ; XXXX credit report, this account shows a XXXX late payment in XX/XX/year> and reports an alleged balance/past-due amount that is inflated and not accurate. This is false, misleading, and unverifiable for the following reasons : Improper Servicing & Notification Failures : XXXX sent communications to the wrong address, wrong email, and wrong phone number. 

I did not receive billing statements, delinquency notices, or cure period notices required under the Higher Education Act ( 20 U.S.C. 1080, 1098e ). 

I only discovered this derogatory and inflated entry when my mortgage lender flagged it during a home loan application. 

Inaccurate Amounts Reported : The alleged balance and past-due amount are not correct. They appear inflated, and XXXX has not provided proof of how these figures were calculated. 

No documentation has been provided showing how payments were applied or how the balance was determined. 

Failure to Validate : XXXX has failed to produce documentation required to substantiate this reporting, including : Complete payment history and transaction logs. 

Billing statements for the disputed period. 

Notices of deferment, forbearance, or repayment plan enrollment. 

Records showing how the alleged balance and past-due amount were calculated. 

Proof of the data furnished to XXXX, including the XXXX XXXX file for XX/XX/year>. 

Disclosure logs showing who accessed and shared my loan data. 

Violation of Federal Law : FCRA ( 15 U.S.C. 1681i & 1681s-2 ) : Prohibits furnishers from reporting inaccurate or unverifiable information. 

XXXX XXXX XXXX : Require accurate billing, servicing, and reporting. Inflated balances and improper servicing are violations. 

FERPA ( 20 U.S.C. 1232g ) : Inaccurate and unauthorized disclosure of my loan records constitutes a privacy breach. 

Because of these failures, my credit report reflects false delinquency and inflated balances, causing significant harm at the time of a mortgage application.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am disputing the inaccurate reporting of my federal student loan account ending in XXXX, serviced by XXXX XXXX and reported to XXXX. 

On my XX/XX/year> XXXX  ; XXXX  ; TransUnion credit report, this account shows a XXXX late payment in XX/XX/year> and reports an alleged balance/past-due amount that is inflated and not accurate. This is false, misleading, and unverifiable for the following reasons : Improper Servicing & Notification Failures : XXXX sent communications to the wrong address, wrong email, and wrong phone number. 

I did not receive billing statements, delinquency notices, or cure period notices required under the Higher Education Act ( 20 U.S.C. 1080, 1098e ). 

I only discovered this derogatory and inflated entry when my mortgage lender flagged it during a home loan application. 

Inaccurate Amounts Reported : The alleged balance and past-due amount are not correct. They appear inflated, and XXXX has not provided proof of how these figures were calculated. 

No documentation has been provided showing how payments were applied or how the balance was determined. 

Failure to Validate : XXXX has failed to produce documentation required to substantiate this reporting, including : Complete payment history and transaction logs. 

Billing statements for the disputed period. 

Notices of deferment, forbearance, or repayment plan enrollment. 

Records showing how the alleged balance and past-due amount were calculated. 

Proof of the data furnished to XXXX, including the Metro 2 file for XX/XX/year>. 

Disclosure logs showing who accessed and shared my loan data.

Violation of Federal Law : FCRA ( 15 U.S.C. 1681i & 1681s-2 ) : Prohibits furnishers from reporting inaccurate or unverifiable information. 

HEA Servicing Rules : Require accurate billing, servicing, and reporting. Inflated balances and improper servicing are violations. 

FERPA ( 20 U.S.C. 1232g ) : Inaccurate and unauthorized disclosure of my loan records constitutes a privacy breach. 

Because of these failures, my credit report reflects false delinquency and inflated balances, causing significant harm at the time of a mortgage application.

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