vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
My credit report was pulled several times without my knowledge. XXXX XXXX  is the correct financial company for the vehicle I purchased. I would like for the remaining ones to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have try all ways and mean to resolve this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing a complaint against LVNV Funding LLC for abusive, deceptive debt collection and fraudulent credit reporting. 
On XX/XX/year>, I spoke with Agent XXXX XXXX ( ID # XXXX ), who told me I had no rights and must pay a debt I do not owe. LVNV is reporting and trying to collect two fictitious accounts : LVNV / XXXX XXXX XXXX XXXX XXXX Acct # XXXX LVNV / XXXX XXXX XXXX XXXX Acct # XXXX I WILL NOT PAY THESE DEBIT! I OWE NO DEBT TO LVNV OR ALLEGE CLIENT OR JUNK DEBIT ACCOUNT LISTED!! 
I never opened these accounts, never authorized their use, and categorically deny owing this debt. My SSN, address, phone, email, and bank information were compromised in a data breach. 
I am asserting my rights under the FDCPA and FCRA. I dispute these accounts in full and treat them as identity theft and/or fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
I am submitting my 5th follow-up dispute regarding the continued inaccurate and unverifiable reporting of multiple accounts on my Experian and TransUnion credit reports. Specifically, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported with a balance of {$19000.00} on both Experian and TransUnion, and XXXX XXXXXXXX XXXX  is reported with a balance of {$300.00} on Experian. Despite multiple prior disputes, these accounts remain inaccurately reported, causing ongoing misrepresentation of my credit history and negatively impacting my creditworthiness. 
The reporting of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), as no 1099-C has been issued for this debt and the balance is unverifiable. The continued listing of this account as a charge-off is false, misleading, and clearly fails to comply with the requirement to maintain maximum possible accuracy in my credit reporting. 
Additionally, the account XXXX XXXXXXXX XXXX violates FCPA 807 15 U.S.C. 1692e, FDCPA 809 15 U.S.C. 1692g, and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, as it is reported inaccurately, with unverifiable balance information, and without proper validation or verification from the furnisher. Its continued presence on my Experian report is misleading, misrepresents my payment history, and may result in harm to my ability to obtain credit fairly.

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 2025-12-16 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: CA

Complaint narrative:
I am filing this complaint regarding unauthorized and/or unverified hard inquiries appearing on my credit report. 

I recently reviewed my credit reports and noticed multiple hard inquiries that I did not authorize, did not consent to, and have no knowledge of. These inquiries are negatively impacting my credit score and overall credit profile.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate, incomplete, or unverifiable information. I am formally requesting that each company reporting these inquiries provide documented proof of authorization, including but not limited to : A signed application or contract Proof of permissible purpose Date and method of authorization If the furnisher or credit bureau can not provide proper verification, the inquiry must be removed immediately. 

I previously attempted to address these matters, yet the inquiries remain without valid verification. This continued reporting of unverified information is causing ongoing harm.

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 2025-12-16 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: CA

Complaint narrative:
I am filing this complaint regarding unauthorized and/or unverified hard inquiries appearing on my credit report. 

I recently reviewed my credit reports and noticed multiple hard inquiries that I did not authorize, did not consent to, and have no knowledge of. These inquiries are negatively impacting my credit score and overall credit profile.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate, incomplete, or unverifiable information. I am formally requesting that each company reporting these inquiries provide documented proof of authorization, including but not limited to : A signed application or contract Proof of permissible purpose Date and method of authorization If the furnisher or credit bureau can not provide proper verification, the inquiry must be removed immediately. 

I previously attempted to address these matters, yet the inquiries remain without valid verification. This continued reporting of unverified information is causing ongoing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MN

Complaint narrative:
In XX/XX/year>, I received a notice to vacate with a date of XX/XX/year>. However, this date appears to be incorrect or altered, which raises concerns about the validity of the notice. Additionally, the payment ledger provided by the company contains inconsistencies, with records that do not match the actual payment dates or amounts. I have requested a corrected notice with the accurate date and a detailed, accurate ledger showing all payments and charges. I am seeking a fair resolution that includes correcting these documents, a proper settlement offer based on accurate information, or removal of the account from my credit report if the discrepancies can not be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$84.00}

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 2025-12-16 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:
b'Dear: CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that 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  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,\n  \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
URGENT COMPLAINT : CASH APP ( BLOCK, INC. ) - SYSTEMIC FAILURE TO RESOLVE ERRORS, REGULATION XXXX VIOLATION & BAD-FAITH DENIAL I demand immediate intervention. Cash App is deliberately violating federal law and their own established precedent, which proves I am owed a full refund for all transactions. 
XXXX. XXXX  XXXX ( XXXX ) PROVISIONAL CREDIT DEADLINE VIOLATION : My initial disputes for multiple transactions were filed on XX/XX/XXXX. As of today, Cash App is just XXXX business days shy of the XXXX deadline to complete its investigation or issue a FULL PROVISIONAL CREDIT for the thousands of dollars in dispute, as required by XXXX XXXX, Section 1005.11 ( c ) ( 2 ) ( i ). They are intentionally delaying action in bad faith. 
XXXX. UNDENIABLE PRECEDENT AND BAD-FAITH DENIAL : Cash App officially awarded a {$10.00} refund today for XXXX transactions filed in my initial dispute batch. 
This approval establishes the undeniable legal precedent that the charges ( all identical XXXX XXXX ' transactions ) are validly disputable for the exact same reason ( merchant deception/fraud ). 
Cash App has subsequently denied XXXX other identical disputes and allowed XXXX to remain pending. This refusal to apply their own favorable ruling to the rest of the identical charges is a bad-faith denial and proof that every single XXXX  XXXX transaction needs to be immediately disputed and refunded. 
XXXX. PROOF OF SYSTEMIC FAILURE ( XXXX VIOLATION ) : XXXX XXXX in-app dispute process is defective and designed to prevent legitimate large-scale disputes : Processing the initial XXXX disputes took me over an hour. Based on the thousands of remaining transactions, it would take a customer a MINIMUM OF XXXX HOURS ( over XXXX working days ) to manually file all disputes. 
This impossible burden proves the system is intentionally designed to work against the customer and is a legal denial of my right to an efficient and timely error resolution process. 
The app provides NO TRANSACTION IDs or DISPUTE IDs, making it impossible to track, appeal, or provide proper documentation for the conflicting rulings. 
DEMAND FOR RESOLUTION : I demand the CFPB require Cash App ( Block, Inc. ) to immediately : XXXX. Issue a FULL PROVISIONAL CREDIT for the total amount of all pending and outstanding XXXX XXXX ' disputes. 
XXXX. Initiate a BUNDLED, FULL REVERSAL for all thousands of XXXX XXXX ' transactions, based on the established {$10.00} precedent and the proven failure of their dispute system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
Equifax / Experian / TransUnion Re : Dispute of Inaccurate Medical/FCU Reporting Delete XXXX  XXXX  XXXX and XXXX XXXX XXXX To Whom It May Concern : I am disputing XXXX inaccurate accounts on my credit report : XXXX. XXXX  XXXX XXXX XXXX XXXX Incorrect Creditor XXXX  XXXX XXXX was never the creditor for this medical account. The medical provider was XXXX  XXXX XXXX, and the debt was assigned to XXXX XXXX XXXX. This reporting is false and violates FCRA 602 ( a ) and 623 ( a ). 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX by Insurance This medical bill was paid by insurance. Under CFPB medical reporting rules, medical debt paid by insurance must not be reported. 

Requested Action : Please delete BOTH entries immediately : - XXXX  XXXX XXXX XXXX XXXX XXXX incorrect XXXX XXXX XXXX XXXX XXXX ( insurance-paid medical collection )

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 2025-12-16 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: GA

Complaint narrative:
Equifax / Experian / TransUnion Re : Dispute of Inaccurate Medical/FCU Reporting Delete XXXX  XXXX  XXXX and XXXX XXXX XXXX To Whom It May Concern : I am disputing XXXX inaccurate accounts on my credit report : XXXX. XXXX  XXXX XXXX XXXX XXXX Incorrect Creditor XXXX  XXXX XXXX was never the creditor for this medical account. The medical provider was XXXX  XXXX XXXX, and the debt was assigned to XXXX XXXX XXXX. This reporting is false and violates FCRA 602 ( a ) and 623 ( a ). 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX by Insurance This medical bill was paid by insurance. Under CFPB medical reporting rules, medical debt paid by insurance must not be reported. 

Requested Action : Please delete BOTH entries immediately : - XXXX  XXXX XXXX XXXX XXXX XXXX incorrect XXXX XXXX XXXX XXXX XXXX ( insurance-paid medical collection )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. for ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Experian continues to report inaccurate, misleading, internally inconsistent, and legally impermissible information on my consumer credit report despite prior disputes and purported reinvestigations.

Experian has failed to maintain maximum possible accuracy ( 1681e ( b ) ) and failed to conduct reasonable reinvestigations ( 1681i ). The continued reporting of these tradelines is causing ongoing financial harm. 

Detailed legal analysis, payment history grids, and documentary proof are attached.

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 2025-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: OH

Complaint narrative:
I placed an order to port in XXXX numbers and add a watch line. The promised numbers were incorrect, so I immediately requested cancellation. XXXX XXXX XXXX failed to cancel the order and instructed me to return all devices unopened, assuring me no charges would apply. All devices were returned. 

XXXX XXXX XXXX auto-activated a watch line, but it was never used. I was locked out of XXXX XXXX XXXX system because I never had an active XXXX XXXX XXXX number and was denied access to account details. An XXXX XXXX XXXX employee later confirmed by phone that the line had no usage. Despite this, XXXX XXXX XXXX billed activation/usage fees and sent the account to collections.

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 2025-12-16 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: TX

Complaint narrative:
I am submitting my 5th follow-up dispute regarding the continued inaccurate and unverifiable reporting of multiple accounts on my Experian and TransUnion credit reports. Specifically, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported with a balance of {$19000.00} on both Experian and TransUnion, and XXXX XXXXXXXX XXXX  is reported with a balance of {$300.00} on Experian. Despite multiple prior disputes, these accounts remain inaccurately reported, causing ongoing misrepresentation of my credit history and negatively impacting my creditworthiness. 
The reporting of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), as no 1099-C has been issued for this debt and the balance is unverifiable. The continued listing of this account as a charge-off is false, misleading, and clearly fails to comply with the requirement to maintain maximum possible accuracy in my credit reporting. 
Additionally, the account XXXX XXXXXXXX XXXX violates FCPA 807 15 U.S.C. 1692e, FDCPA 809 15 U.S.C. 1692g, and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, as it is reported inaccurately, with unverifiable balance information, and without proper validation or verification from the furnisher. Its continued presence on my Experian report is misleading, misrepresents my payment history, and may result in harm to my ability to obtain credit fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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 am submitting my 5th follow-up dispute regarding the continued inaccurate and unverifiable reporting of multiple accounts on my Experian and TransUnion credit reports. Specifically, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported with a balance of {$19000.00} on both Experian and TransUnion, and XXXX XXXXXXXX XXXX  is reported with a balance of {$300.00} on Experian. Despite multiple prior disputes, these accounts remain inaccurately reported, causing ongoing misrepresentation of my credit history and negatively impacting my creditworthiness. 
The reporting of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), as no 1099-C has been issued for this debt and the balance is unverifiable. The continued listing of this account as a charge-off is false, misleading, and clearly fails to comply with the requirement to maintain maximum possible accuracy in my credit reporting. 
Additionally, the account XXXX XXXXXXXX XXXX violates FCPA 807 15 U.S.C. 1692e, FDCPA 809 15 U.S.C. 1692g, and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, as it is reported inaccurately, with unverifiable balance information, and without proper validation or verification from the furnisher. Its continued presence on my Experian report is misleading, misrepresents my payment history, and may result in harm to my ability to obtain credit fairly.

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 2025-12-16 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: TX

Complaint narrative:
Greetings, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXX theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent.

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