vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am requesting prompt resolution of this issue in accordance with federal consumer protection laws. I am submitting this complaint to dispute information currently being reported on my credit file that is inaccurate and improperly handled. The information being furnished and shared about me is not accurate, and I have included specific dates, amounts, account actions, and supporting details in the attached PDF for your review. 
Despite my disputes, the credit bureaus and data furnishers have continued to share and report this information without properly validating it. This ongoing reporting violates my rights under federal law, including 15 U.S.C. 1692c, which protects consumers from improper communication and requires lawful handling of disputed debt information. I have the legal right to dispute inaccurate credit reporting, and this continued sharing has caused significant and ongoing harm to my credit profile. 
This inaccurate reporting has negatively impacted my credit score, my ability to obtain credit, and my overall financial standing.

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I completed an XXXX trade-in for an XXXX XXXX with a value of {$420.00} in connection with the purchase of a new XXXX. After the trade-in was processed, I returned the new device. 

On XX/XX/year>, I contacted Apple and was told the trade-in value would be refunded to my original payment method/Apple Card within five business days. I explicitly declined store credit or gift cards. 

After multiple follow-ups, I was later informed that on XX/XX/year> the {$420.00} trade-in value was applied to my Apple Card balance, rather than being refunded as cash. This application to my balance occurred without my authorization or consent, and I was not informed that this would happen. 

Subsequent contacts with XXXX Support and Apple Card support produced conflicting explanations, including statements that the refund had already been issued when no cash refund was received. Only after escalation was it clarified that the funds were used to clear part of my Apple Card balance. 

I am disputing this as an unauthorized application of funds. I am requesting that the balance application be reversed and that the {$420.00} be issued as a cash refund to my original payment method/Apple Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Conduct a full investigation into this account, which may have resulted from identity theft after my car was broken into and my credit card and Social Security information were stolen.

2. Review the police report and any prior notifications made to the original creditor regarding the theft.

3. Provide written verification that I am legally responsible for the balance, including proof of authorization, a complete transaction history, and documentation of XXXX ownership of the account. 
4. Delete the account from all credit reporting agencies if company is unable to verify that the debt is valid and attributable to me.

5. Cease reporting and collection activity during the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: WA

Complaint narrative:
I am submitting this CFPB complaint as a follow-up and continuation of my prior CFPB complaint filed in XX/XX/year>, which concerned inaccurate credit reporting related to a {$55.00} collection account associated with a prior XXXX Insurance balance and reported by XXXX XXXX XXXX XXXX 

In my original complaint, I explained that when I purchased a new insurance policy directly from XXXX, I was informed that the {$55.00} balance had to be paid in order to complete the policy. I paid the balance in full directly to XXXX at that time. Because the balance was resolved directly with the original creditor, the collection should no longer be reported as active, outstanding, or unpaid. 

Despite this, the collection account has continued to appear on my credit reports in a manner that does not reflect its true and current status. The reporting is inaccurate and outdated. 

In response to my original CFPB complaint, Equifax stated that it could not proceed without proof of identity and address verification. I am now submitting this new CFPB complaint with the requested identity and address documentation attached, exactly as Equifax instructed. 

At this point, there should be no remaining procedural or administrative barrier preventing a lawful reinvestigation of the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Date : XX/XX/year> Via Certified Mail Return Receipt Requested LVNV Funding LLC [ LVNV Funding LLC Mailing Address ] RE : Cease and Desist Communication Alleged Debt / Account To Whom It XXXX Concern, I am writing to formally notify you that you are to cease and desist all communication with me regarding the alleged debt you are reporting and attempting to collect. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my legal right to demand that all communication from your company stop immediately. This includes, but is not limited to, phone calls, voicemails, emails, text messages, mailed correspondence, and any communication with third parties regarding this matter. 

You XXXX only contact me in the future for XXXX of the following legally permitted reasons : XXXX. To confirm in writing that you will comply with this request ; or XXXX. To notify me of specific legal action you intend to take. 

Any further communication beyond what is expressly allowed by law will be documented and XXXX result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney General, as well as potential civil action for violations of federal law. 

This letter does not constitute an acknowledgment of the alleged debt, nor does it represent a refusal to pay. It is simply a lawful request to stop communication. 

Please govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE LATE PAYMENTS REPORTED ARE NOT CORRECT AND DO NOT MATCH MY PAYMENT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have been constantly harrassed day in and day out by profile recovery llc. I dispute that I owe this debt. I have requested validation of the debt from Portfolio Recovery LLC in writing on [ XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> ], but they have failed to provide sufficient proof that I owe this specific amount or that they are authorized to collect it. They continue collection efforts without validating the debt. '' I am filing this formal dispute and complaint regarding a collection account that is being reported on my consumer credit file by [ Portfolio Recovery LLC ], who has failed to validate the debt in accordance with FDCPA 809 ( b ) and continues to report inaccurate or unverifiable information in violation of the Fair Credit Reporting Act, 611 ( a ) and CRA 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS
State: FL

Complaint narrative:
On XX/XX/year>, I sent, via Certified US Mail, a dispute letter to LexisNexis concerning incomplete, innaccurate, and obsolete information in my Consumer Disclosure Report dated XX/XX/year>. 

The disputed report contains incomplete/incorrect identification information, incorrect email address information, and obsolete public reocrd information. 

It has been 40 days, ( over a week past the 30 day statutory investigation period ) and I have not been contacted by LexisNexis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/XXXX my balance went negative - {$32.00}. The overdraft fee was charged XX/XX/XXXX {$36.00}. I had previously reviewed their overdraft fee policy regarding fee forgiveness and a listed remedy is ACH. I then initiated an external bank transfer with my linked XXXX bank account within the US Bank App. XX/XX/XXXX {$100.00} credit. Under the impression the transaction initiation on the day the balance went negative would result in fee forgiveness. However the fee was charged, I assumed it may take additional time to clear. The reverse transaction from US Bank to XXXX deposits cash into my XXXX account the following day. US Bank can confirm a deposit was initiated and funds are coming in as of a specific date, making it reasonable to interpret the ACH initiation as a viable fee waive scenario. 

On XX/XX/XXXX I initiated another ACH from my external linked XXXX account to prevent my account going negative Monday XX/XX/XXXX {$30.00} credit. My account was overdrawn again charges for {$34.00}, {$20.00}, and {$3.00}, resulting in a negative balance of - {$26.00}. on XX/XX/XXXX XXXX more {$36.00} overdraft fees were charged. At this point I realized the information provided regarding ACH deposit was inaccurate, so I called customer service. They would not entertain the request to have the fees refunded. 

The initial fee charged on XX/XX/XXXX caused my account to further overdraft with the additional XXXX fees. A total of {$100.00} in fees that should not have been applied. The customer service representative told me I would be able to get refunded for the XXXX fees charged XX/XX/XXXX if I deposited at least {$26.00} prior to XXXX XXXX, bringing my balance above XXXX. I deposited {$60.00} at XXXX XXXX  XXXX  in cash via ATM deposit. The cash deposit was pending until XX/XX/XXXX at which point the fees still remained. I inquired about fee refunds but was denied once again. The US Bank representative along with the website, clearly stated the fees would be waived if account balance prior to fees is brought above XXXX on the same day the fees are charged prior to XXXX XXXX. 

The instructions provided for overdraft fee avoidance is misleading. The fact they have ACH listed as an option to bring a negative balance above zero justifies a fee reversal. I would have deposited cash or wired the funds on XX/XX/XXXX if they clearly stated those were the only options available. Furthermore being directly told the XXXX fees charged on XX/XX/XXXX would be reversed if I deposited at least {$26.00} on the same day, without fee reversals is again misinformation. The XXXX fees charged have caused further hardship and undue stress.

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 2025-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: TN

Complaint narrative:
Additionally, Halsted Financial Services has repeatedly contacted me by telephone from the number ( XXXX ) XXXX. These repeated calls have occurred without providing validation or proof that they have the legal right to collect, constituting harassment. 

This alleged debt was previously associated with XXXX XXXX, XXXX. That account was formally disputed and subsequently removed from my credit report. Any continued attempt to collect or reference this alleged debt after removal and without validation is improper. 

Prior collection activity related to this matter has already caused significant damage to my credit profile. Halsted Financial Services continued conduct has compounded that harm. 
I believe this conduct violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692d, 1692e, 1692f, and 1692g ), the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), and the Telephone Consumer Protection Act ( 47 U.S.C. 227 ).

I am requesting that Halsted Financial Services immediately cease all collection activity, provide written confirmation that this matter is closed, and confirm that no credit reporting will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused XXXX injury and investigation of character nearby something like 30 days of no reaction. 

Please Remove/ Deleted the following Items. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}

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 2025-12-24 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Opportunity Financial, LLC
State: PA

Complaint narrative:
The name and address of company are XXXX loans. XXXX XXXXXXXX XXXX. XXXX. Va XXXX. They are stating that in XXXX, I took out a loan for XXXX via the internet. Ive asked and pleaded with these people to validate this. They told me they couldnt cause it was done over the internet. Ive had so many issues with my credit. Ive become overwhelmed by it all. I informed them that my XXXX was hacked. I provided all the evidence I could as to the phone being hacked. My credit numbers are horrible, I would never seek a loan, let alone one on internet. It looked like they charged a XXXX interest rate. Def predatory company. Its been months and Ive gotten nowhere. They finally closed the account. But still looks like bad debt, thats not mine. I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
My name is XXXX XXXX XXXX here is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-12-24 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: NV

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I use cash app as my primary account which is good until you need help from support and then every single time noone ever helps you ans they just send their scripted responses over and over again. When your issue is escalated supposedly someone is going to email you. I have never been contacted ever in all of the times I have needed assistance and it was " escalated '' just a generic scripted response every single time. They also lie when they do speak to you for the brief moment if the response is even from an actual person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-12-24 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: NY

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from 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 2025-12-24 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: NY

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from 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 non-monetary relief
Consumer complaint received 2025-12-24 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: NY

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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