vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: IL

Complaint narrative:
On XX/XX/XXXX, I pulled my Experian credit report. This is my first formal noticeplease treat this complaint as both my written privacy opt-out and my FCRA dispute. 
Privacy/opt-out ( furnishers/financial institutions ) : Under the XXXX XXXX and Regulation P ( 12 C.F.R. Part 1016, including 1016.4 and 1016.7 ; 15 U.S.C. 6802 ), financial institutions must provide a clear privacy notice and a reasonable way to opt out before disclosing nonpublic personal information to most nonaffiliated third parties. I now opt out and instruct every furnisher associated with items in my file not to disclose my nonpublic personal information to nonaffiliated XXXX  parties unless a specific statutory exception applies. If a company believes an exception applies, identify the exact provision and provide supporting facts and documents. 
Permissible purpose and accuracy ( CRAs ) : The FCRA requires CRAs to furnish consumer reports only for permissible purposes ( 15 U.S.C. 1681b ) and to maintain reasonable procedures to assure maximum possible accuracy ( 15 U.S.C. 1681e ). Please document the permissible purpose for any furnishing/use of my information and provide the method of verification ( including the name, address, and phone number of furnishers contacted and records relied upon ). Delete or correct any information furnished or displayed without a permissible purpose, or that is inaccurate, incomplete, obsolete, or unverifiable. 
Personal information to correct/remove : Remove old/incorrect addresses and name variants ; keep only my current, correct information on file. 
Tradelines to reinvestigate/correct XXXX XXXX XXXX XXXX Auto Loan ending XXXX ( Closed/Charge-off ) : Shows Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. The continuing past due after charge-off is confusing/misleading and XXXX not reflect the correct XXXXoff treatment. Provide MOV, full history, and XXXX ; correct any re-aging or contradictory coding. 
XXXX XXXX Charge Card ending XXXX ( Closed ) : Closed. {$170.00} written off, multiple prior charge-off months, and Purchased by another lender. Verify charge-off amount, sequence of CO months, and reporting consistency with an account that was sold/purchased. Correct or delete if unverifiable. 
XXXX XXXX, XXXX XXXX education loans ending XXXX ( Open ) : Several sub-accounts show {$220.00} {$590.00} past due and XXXX day lates through XX/XX/XXXX ; some list a last payment date of XX/XX/XXXX. Provide complete histories ( payments, deferments/forbearances, any administrative forbearance ) and correct inaccurate past-due amounts or delinquency coding ; remove unsupported derogatory markers.

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 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Money was garnished for credit card accounts I am unaware of. I have absolutely no knowledge of any of these accounts from XXXX plus years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: FL

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax XXXX XXXX XXXX due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account XXXX : XXXX Creditor Name XXXX XXXX XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated XXXX  system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. 
Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Hey. I started at a community collage back in XXXX and I took out a student loan thur XXXX for both semesters I attended the school the amount was about XXXX the courses I took were expensive so I ended up withdrawing myself in XXXX because I could not afford the next years courses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
In XX/XX/year>, my minor son inadvertently linked his mother 's debit card to his Cash App account without any authorization. Cash App 's system allowed this unauthorized linking using only basic card information ( card number, expiration date, CVV ) with absolutely no ownership verification. 
Over eight months, approximately {$7900.00} was withdrawn from the linked account without the cardholder 's knowledge or consent. My son believed he was using his own XXXX debit card, having recently ordered a replacement, and was unaware his mother 's card remained stored in Cash App. 
On XX/XX/year>, at XXXX XXXX, we contacted Cash App support ( Case # XXXX ). The representative : Made false statements claiming users can only link one debit card and that credentials are verified when adding cards Refused to open a claim, incorrectly stating claims only apply to " disputed transactions, not cash withdrawals '' Failed to flag suspicious activity when an underage account added a card with a name mismatch Provided no call recording contrary to industry standards Hung up when we raised legitimate security concerns This represents the same systemic security failures for which CFPB fined Block Inc. {$170.00} XXXX in XX/XX/year>, specifically finding that Cash App " frequently allowed unauthorized access and failed to properly investigate or reimburse affected consumers. '' Cash App 's failure to implement basic ownership verification when linking debit cards directly enabled these unauthorized transfers. Their customer service then compounded the harm through misrepresentations and procedural obstruction. 
We demand full reimbursement of the {$7900.00} in unauthorized transfers and implementation of proper security safeguards to prevent future unauthorized card linking.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: KY

Complaint narrative:
b'I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act (FCRA), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing.\n\nThe following accounts are in dispute:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt Docket Identifier: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 2025-08-22 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: CL Holdings LLC
State: MO

Complaint narrative:
I am disputing an account reported by Jefferson Capital Systems ( JeffCapSYS ) that they claim originated from XXXX in the amount of {$2000.00}. XXXX no longer operates as a creditor, and Jefferson Capital has not provided any proof that they have the legal right to collect or report this debt. I have disputed this account multiple times with the credit bureaus under my rights in the Fair Credit Reporting Act ( FCRA 611 ). Jefferson Capital has failed to provide verification or documentation supporting the validity of this account. I also requested debt validation directly from Jefferson Capital under the Fair Debt Collection Practices Act ( FDCPA 809 ) and gave them more than 30 days to respond. They have not provided validation. Instead, their representatives yelled at me and hung up the phone when I tried to resolve this. By continuing to report an account without validation, Jefferson Capital is violating both FCRA 623 ( duty to report only accurate/verifiable information ) and FDCPA 809 ( requirement to validate debts upon request ). I am requesting that the CFPB require Jefferson Capital Systems to delete this account from all credit bureaus immediately, as it remains unverified and is harming my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I had activated a prepaid american express gift card on XX/XX/XXXX and when I went to the american express XXXX check website listed on the back of the gift card I saw the entire amount of {$50.00} was used for a transaction I did not authorize. The fradulent transaction was used for a company called XXXX XXXX XXXX - XXXX - XXXX, on XX/XX/XXXX. I did not authorize this transaction, and did not know about this until I checked my gift card on XX/XX/XXXX on the American Express gift card balance website listed on the back of the gift card. I can not find any information about this company or the contact information online of the company this fraud charge was used for. I filed a dispute with American Express gift card customer support, but they closed my case without letting me know the reason for the closing and would not provide any information about the company. I sent multiple follow up emails and called multiple times but they told me to continue emailing their dispute resolution team. From speaking on the phone with their customer service I was told conflicting information about the reason for the dispute. One representative claimed the website I used was " bad '' but would not explain any information beyond this. I explained multiple times that I did not use the gift card prior to checking the balance on the American Express website. I am needing to know the contact information for the fraudulent company so that I can file a CFPB complaint as this card information was stolen and American Express is not willing to reissue a replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I was a victim of identity theft. My identity was used to obtain goods and services without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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 2025-08-22 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I checked a 3rd party credit report and found a chaos casserole of information reported and used for what looks like a loan application that shows to be in collections? Use code DA to delete from all data bases thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Lockhart, Morris & Montgomery Inc.
State: PA

Complaint narrative:
Identity Theft Dispute Letter ( CFPB XXXX Credit Bureaus ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX To : CFPB Subject : Identity Theft Dispute Request for Immediate Blocking of Fraudulent Account Pursuant to FCRA 605B Dear [ CFPB ], I am writing to formally dispute and demand the immediate removal of a fraudulent account that has been wrongfully attributed to me. The account in question does not belong to me, was opened without my knowledge or consent, and is the direct result of identity theft. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), you are required by federal law to block and remove all information related to an account resulting from identity theft once proper documentation has been provided. I have included such documentation with this letter. 

Details of the Fraudulent Account : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX not Contain Account Number Reported Balance : {$1800.00} Date Reported : XX/XX/year> Legal Basis Under FCRA 605B, consumer reporting agencies must block information in a consumers file that results from identity theft within XXXX business days of receiving : XXXX. Proof of the consumers identity, XXXX. A copy of an Identity Theft Report ( FTC XXXX report I have provided the necessary documents below, which establish that this account is fraudulent. Accordingly, I demand that you : XXXX. Immediately block and permanently remove this fraudulent account from my credit file. 
XXXX. Cease and desist reporting this account to any XXXX  parties, including other credit bureaus. 
XXXX. Provide me with a written confirmation of deletion once the fraudulent account has been removed. 

Failure to comply with this request will constitute a violation of my rights under the FCRA and may result in further legal action or regulatory complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-22 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: KY

Complaint narrative:
b'I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act (FCRA), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing.\n\nThe following accounts are in dispute:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt Docket Identifier:XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have unauthorized inquiries on my credit from XXXX XXXX and 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