vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
I am filing this formal complaint against XXXX XXXX regarding the inaccurate and misleading reporting of a charged-off account on my credit report. 

XXXX XXXX has been reporting this account as charged off each month for the past XXXXour years. This ongoing monthly reporting is incorrect. A charge-off is a one-time accounting event, typically marked after an account becomes seriously delinquent, and should be reported once with the original charge-off date. However, XXXX XXXX is inaccurately reporting this charge-off as a recurring event every month, which unfairly and substantially damages my credit profile. 

I want to clarify that I am not disputing the existence of the debt. I am asking that XXXX XXXX correct the manner in which the charge-off is being reported. Continuing to mark the account charged off monthly is misleading and violates the Fair Credit Reporting Act ( FCRA ), which requires that all credit reporting be accurate and not misleading in any way. 

I have attempted to resolve this directly with XXXX XXXX, but the account continues to be reported in this unlawful manner. 

Requested Resolution : That XXXX XXXX correct the account to reflect a single charge-off date, consistent with standard credit reporting practices. 

That the monthly recurring charge-off status be removed from all past and future reporting. 

That XXXX XXXX  provide written confirmation of the correction and that the credit bureaus update my report accordingly. 

I am submitting this complaint so that CFPB may assist in investigating this issue and ensure that XXXX XXXX complies with federal credit reporting laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
I am filing this formal complaint against XXXX XXXX regarding the inaccurate and misleading reporting of a charged-off account on my credit report. 

XXXX XXXXXXXX has been reporting this account as charged off each month for the past four years. This ongoing monthly reporting is incorrect. A charge-off is a one-time accounting event, typically marked after an account becomes seriously delinquent, and should be reported once with the original charge-off date. However, XXXXXXXX XXXX is inaccurately reporting this charge-off as a recurring event every month, which unfairly and substantially damages my credit profile. 

I want to clarify that I am not disputing the existence of the debt. I am asking that XXXX XXXX  correct the manner in which the charge-off is being reported. Continuing to mark the account charged off monthly is misleading and violates the Fair Credit Reporting Act ( FCRA ), which requires that all credit reporting be accurate and not misleading in any way. 

I have attempted to resolve this directly with XXXX XXXX, but the account continues to be reported in this unlawful manner. 

Requested Resolution : That XXXX XXXX  correct the account to reflect a single charge-off date, consistent with standard credit reporting practices. 

That the monthly recurring charge-off status be removed from all past and future reporting. 

That XXXX XXXX provide written confirmation of the correction and that the credit bureaus update my report accordingly. 

I am submitting this complaint so that CFPB may assist in investigating this issue and ensure that XXXXXXXX XXXX complies 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 non-monetary relief
Consumer complaint received 2025-04-23 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Whom It May Concern, I am writing in response to your communication regarding a debt you claim I owe LVNV FUNDING LLC. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Florida Consumer Collection Practices Act ( Fla. Stat. 559.72 ), I formally request validation of this alleged debt. Required Validation Information Per federal and state law, you must provide the following before continuing collection efforts : Proof that I am legally obligated to pay this debt. The name and address of the original creditor. A complete breakdown of the claimed amount, including Principal balance Interest charges Fees ( itemized ) Any payments or credits applied Documentation proving the debt was not past the statute of limitations. Legal Compliance Notice Cease Collection Activity : Under 1692g ( b ) of the FDCPA, you must stop all collection efforts until you provide proper validation. Credit Reporting : If this debt has been reported to any credit bureau, you must mark it as " disputed '' per 1681s-2 of the FCRA. Florida FDCA Protections : Florida law prohibits abusive collection tactics, including false representations ( XXXX ). Failure to validate may constitute a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: WAFD BANK
State: NM

Complaint narrative:
Took foreign currency into a Washington Federal XXXX XXXX, the teller accepted and confirmed the funds and provided the USD in accuracy and gave a receipt of transaction. However, a month later they rejected the exchanged and deducted the funds from my savings causing it to go negative. 

The transaction was completed in the branch in person they exchanged it in person with me, and I acted in good faith that the transaction was completed. 

They did NOT provide information about additional steps the bank would go through. They later denied the funds and deducted from my savings. 

The bank is still holding on to my foreign currency I gave them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MD

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove 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 2025-04-23 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 have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-04-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MO

Complaint narrative:
ExperianXXXX XXXX & Equifax are in violation of FCRA of 15 USC 1681e ( b ), 15 USC 1681 2-15 ; Compliance procedures, Accuracy of report by allowing the following debt collectors, IXXXX XXXX XXXX, and XXXX XXXX to continuously report inaccuracies on my report. 

XXXX XXXX and XXXX XXXX have reported 'write off ' and have taken the 'debt ' off their books, as well as filed with the IRS as a " profit loss ''.

These credit bureaus are allowing them to inaccurately update a closed account monthly. These companies can not both report a loss to the IRS and report on my report. Not immediately removing them allows me to file statutory damages. 

I am also requesting these credit reporting agencies to remove ALL my personal information that allows predatory so-called debt collectors to obtain my information due to being a victim of a data breach from OPM [ file attached ], and twice with Medicare, CMS [ who failed to provide documentation ].

Why are these credit bureaus offering a " freeze '' on reports when they are aware that vulnerable citizens, seniors, and people living with XXXX, are prey for fraudulent activity? It appears having my credit report frozen is a waste of time, & it's frustrating when these bureaus continue to allow the SAME DEBT BUT DIFFERENT COLLECTOR, like XXXX, to put illegal items on my report, especially when a RECEIPT has been provided & these bureaus

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 2025-04-23 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: IL

Complaint narrative:
1. TransUnion rejected a recent request from XXXX  XXXX XXXX to reinsert an account ending in XXXX, which is currently suppressed. I'm an authorized user on this account and disputed it in the past, causing it to be suppressed. However, I was recently re-added as an authorized user, and XXXX  XXXX XXXX submitted a reinsertion request which was rejected by TransUnion due to TransUnion 's internal policy. Please unsuppress this account and add it back to my report. XXXX  XXXX XXXX has stated that they have done everything they can and your team should not be sending a vague failure message back to them regarding internal policy. 

I also contacted TransUnion today and no reps, not even managers, can unsuppress the account. Again, please complete this on your side as TransUnion is the only one who can reinsert at this point. 

2. Per XXXX  case XXXX, you stated that you never heard from XXXX. How is this possible if you sent back a refusal due to " internal policy '' back to them? 

3. Why did you continue to state that I needed to change my legal name per the above XXXX  when this has nothing to do with my concern? 

4. Has your team looked into why you continued to refer to me by a different name in my XXXX  case? Again, it seems you're leaking client information to other clients, which is incredibly concerning.

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 2025-04-23 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>2025 around XXXX eastern, I schedule an ACH payment to be sent to another business checking account in the amount of XXXX with a settlement date of XXXX XXXX. I recognized around XXXX eastern on the XXXX of XXXX that the transfer had been made to wrong account. I tried to cancel the transaction on my online account, but it did not allow to do so. I immediately called business customer support and explained my situation. I also drove into my local brand. I was told that they could not cancel or delete the ach transfer and that I needed to fill out paper forms to request the cancel, deletion, or reversal. I submitted the forms via email around XXXX eastern on the XXXX of XXXX. I receive an email from XXXX at XXXX eastern on the XXXX of XXXX that the reversal had been completed ( see attached ). At XXXX on XX/XX/year>2025 the transfer was processed out of my account and the funds were withdrawn. I contacted the ACH dept at XXXX as soon as they opened at XXXX on the XXXX of XXXX. I was told that they could not stop the transfer from completing and the best they could do is submit a reversal and that it was not guaranteed. I spent the remaining of the morning and early afternoon on the XXXX of XXXX contacting my local bank, a second local bank, ach dept, and a business dept supervisor. Each one of the representatives basically told me the same things, " there was nothing they could do. '' Keep in mind the settlement date is scheduled for XX/XX/scrub> 2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
I filed a dispute with Cash App regarding a payment of {$1600.00} made on XX/XX/scrub> 2025 to a business named XXXX XXXX. The business was unable to deliver the agreed-upon service due to a double-booking and acknowledged this in writing. I provided Cash App with a signed contract and communications clearly showing the service was not and would not be rendered. 

Despite the evidence, Cash App denied my claim. After the denial, I attempted to revisit the transaction in my Cash App account to start a new claim as advised. However, I discovered that the transaction was completely removed from my history, and I can no longer view, access, or reference it. This occurred without any explanation or notification. 

This is highly concerning, as it prevents me from submitting further disputes, appealing the decision, or accessing critical documentation for reporting or legal purposes. I still have screenshots and records of the payment from prior to its removal. 

I believe this is a deliberate obstruction of my ability to access my own financial records and raises serious concerns about transparency, accountability, and consumer protections within the platform. I am requesting that : My transaction history be fully restored My dispute be reopened or re-evaluated based on the service not being rendered Cash App be investigated for deleting financial records following a claim denial I am available to provide further documentation upon request and would appreciate a formal review of this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: OH

Complaint narrative:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts.

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 2025-04-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Despite repeated requests and disputes, Equifax, Transunion and Experian have continued ignoring my request, disputes, and have continued reporting inaccurate information.

According to the FCRA section 605B it is illegal to report anything on my credit report without my permission. Per 15 USC 1692 ( C ) Equifax, Transunion and Experian have all violated my rights by in lawful communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
I would like to request the temporary removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: IN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I am a victim of XXXX  trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX  XXXX for myself XXXX XXXX last four Social Security number is XXXX, DOB XX/XX/year>. Please delete the following accounts. 






XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief