vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against NET CREDIT a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verif
ication or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. NET CREDIT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
-Attempted contact with " XXXX  '' to no avail. ( for signed contract ). XX/XX/XXXX. 
-Attempted to obtain this signed contract from Jefferson Capital Sys LLC as well ; no excuse for company to not deliver as my addresses were all up to date at time of this request. XX/XX/XXXX. 
- Disputed regarding the above-referenced account still appearing on my XXXX  credit report after XX/XX/XXXX reinvestigation ( Report # XXXX ). 
Own reinvestigation results state : > Information on this item has been updated. Please review your report for the details. 

Updating is not sufficient under federal law where the underlying account is unauthorized. This account is not mine, has never been authorized by me, and constitutes identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
I am sending to formally dispute inaccurate and misleading information appearing on my credit report. Upon reviewing my file, I identified accounts that do not accurately reflect my payment history and contain reporting errors. 

This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides consumers the right to dispute and correct billing errors. I request a complete reinvestigation of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These discrepancies misrepresent my financial history and unfairly damage my creditworthiness. Unless these accounts can be fully verified with proper documentation from the original furnisher of information, they must be corrected The following statute supports my dispute : FCRA 1666 ( 15 U.S.C. 1666 ) : Protects consumers against billing errors and requires creditors and furnishers of information to promptly investigate and correct inaccuracies.

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 2025-09-30 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: GA

Complaint narrative:
I disputed the XXXX XXXX account ( ending in XXXXXXXX XXXX XXXX XXXX XXXX ) that appears on my TransUnion credit file. Despite my dispute, the account continues to report with inconsistent and inaccurate information across the XXXX major credit bureaus. This demonstrates that the company and TransUnion did not conduct a reasonable reinvestigation or correct known errors, in violation of the Fair Credit Reporting Act ( FCRA ). 

Examples of the inconsistent and inaccurate reporting include : Date Opened : TransUnion shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX, and XXXX  shows XX/XX/XXXX. 

High Credit / Credit Limit : TransUnion and XXXX  list {$1300.00}, while XXXX  lists {$1000.00}. 

Last Reported Date : TransUnion and XXXX  show XX/XX/XXXX, while XXXX  shows XX/XX/XXXX. 

Account Status Comments : Each bureau reports different wording for the same account ( charged off, closed due to inactivity, canceled by creditor ), creating confusion and inaccuracy. 

This violates : FCRA 611 ( a ) Failure to conduct a reasonable reinvestigation.

FCRA 609 ( a ) ( 1 ) Failure to provide the method of verification when requested.

FCRA 607 ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of the information reported. 

These inaccuracies have damaged my creditworthiness and created inconsistent data across bureaus that misrepresents the status of the account.

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 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
My cashapp account I had been using for general, everyday purposes ( mostly online shopping to avoid using my debit card numbers online ), was abruptly closed by CashApp with XXXX explanation provided to me other than it had been linked with an account that demonstrated behavior that violated their terms and conditions. I tried to appeal the decision multiple times, no one ever responded. I asked for specific information about what I had supposedly done to violate any terms or conditions of my account agreement, but was always told they cant provide me specifics about my account due to the specialized team that needed to investigate it. Nothing was ever done. And no answers or appeals were ever actually provided as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I paid through PayPal ( via XXXX XXXX ) for physical goods specifically shipping boxes that were never shipped. The seller did not provide any tracking number or proof of delivery. 

PayPal denied my case under the resale exclusion, claiming that because I might put something in the boxes and ship it, it counts as resale. However, this is not how their Buyer Protection policy is written on their own website. This is not a quality or resale dispute it is a clear item not received case.

I respectfully request that PayPals XXXX XXXX team review this case, apply XXXX XXXX correctly, and issue the refund. 



Case Id : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
Im writing to formally dispute an inaccurate tradeline currently being reported on my credit file. The information being reported is not accurate, and more importantly, it fails to meet the standard of maximum possible accuracy as required by 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act.

Let me be clear if a tradeline can not be reported with complete and verifiable accuracy, then you are not legally allowed to report it at all. Right now, the way this account is appearing on my credit report is misleading, harmful, and not reflective of my true credit history. Thats unacceptable, and I will not sit back while my credit profile is being damaged by something that shouldnt even be there. 

As a consumer, I am exercising my legal right under federal law to demand that this inaccurate tradeline be removed in full. If you can not ensure that every detail balance, status, dates, payment history, and ownership is correct and fully substantiated, then it must be deleted. Reporting anything less than 100 % accurate information is a direct violation of your obligations under the FCRA.

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 2025-09-30 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$620.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$570.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$620.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$570.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$1900.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/2022, I entered into a Retail Installment Sale Contract with Westlake Financial for the purchase of my vehicle. From that date until the repossession, I paid approximately {$16000.00} toward the loan. While I faced financial hardship during the contract period, I consistently made payments and repeatedly communicated with Westlake to explain my situation. I even requested and was granted a change to my billing due date in an attempt to stay current and manage my payments more effectively.

Despite these efforts, Westlake repossessed my vehicle. When I requested an itemized breakdown of how my payments were applied to principal, interest, late fees, and repossession-related costs, I did not receive a clear explanation. The payment schedule provided does not appear to reflect my consistent attempts to pay, and seems to overemphasize late charges rather than the substantial payments I made. 

In addition, my efforts to communicate with Westlake have been met with dismissive and obstructive behavior. Multiple tickets were closed before I was given a chance to respond, and I was repeatedly given the run-around on the phone. For example : XXXX XXXX, a customer service supervisor, stated that Westlakes legal department had no phone number, only an email, which he forwarded to me, then transferred me back to general customer service, which gave me an inactive legal contact number.

The last representative Ive been emailing with has stated that Westlakes legal department does not directly converse with customers and that I need a lawyer to communicate with them. 

Additionally, when I asked about the handling of my loan and payment questions, I was told, both on the phone and via email, that you signed the contract ; if you had a problem, you should not have signed it. At this point, I feel Westlake is attempting to intimidate or bully me because I am not legally trained, rather than addressing my legitimate questions and concerns in good faith.

My goal throughout this process has been to resolve the issue directly with Westlake without the need for outside involvement. I feel that my efforts, substantial payments, and proactive communication have not been properly considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: IL

Complaint narrative:
I am sending to formally dispute inaccurate and misleading information appearing on my credit report. Upon reviewing my file, I identified accounts that do not accurately reflect my payment history and contain reporting errors. 

This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides consumers the right to dispute and correct billing errors. I request a complete reinvestigation of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These discrepancies misrepresent my financial history and unfairly damage my creditworthiness. Unless these accounts can be fully verified with proper documentation from the original furnisher of information, they must be corrected The following statute supports my dispute : FCRA 1666 ( 15 U.S.C. 1666 ) : Protects consumers against billing errors and requires creditors and furnishers of information to promptly investigate and correct inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: AR

Complaint narrative:
This complaint serves as a formal dispute of several inaccurate, unverifiable, or outdated entries currently appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a full investigation of the items listed below and their removal within the legally mandated 30-day timeframe. 
Upon reviewing my credit report, I have found the following entries to be inaccurately reported, unverifiable, or misleading : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$260.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> These accounts and inquiries are being disputed due to possible inaccuracies, unverifiable information, or failure to meet the standards set forth by the FCRA. I request that each of these items be fully investigated. If they can not be verified through original sources and accurate documentation, I demand their removal.

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 2025-09-30 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: AR

Complaint narrative:
This complaint serves as a formal dispute of several inaccurate, unverifiable, or outdated entries currently appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a full investigation of the items listed below and their removal within the legally mandated 30-day timeframe. 
Upon reviewing my credit report, I have found the following entries to be inaccurately reported, unverifiable, or misleading : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$260.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> These accounts and inquiries are being disputed due to possible inaccuracies, unverifiable information, or failure to meet the standards set forth by the FCRA. I request that each of these items be fully investigated. If they can not be verified through original sources and accurate documentation, I demand their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: ND

Complaint narrative:
Cash App has stated multiple times that Im on the class action or awarded funds for the customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
I am disputing the inaccurate reporting of the following accounts listed as Late Open on my credit file : XXXX XXXX XXXX with a balance of {$240.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$860.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$400.00}. These accounts are inaccurately reported as currently open and late, despite being either closed, settled, or otherwise not meeting the definition of a current delinquency. Reporting them as Late Open misrepresents my credit history and creates a false impression of ongoing delinquency. Under FCRA 605 ( a ) [ 15 U.S.C. 1681c ], consumer reporting agencies may not include obsolete or misleading information. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] requires furnishers to provide only accurate information to the credit bureaus, and FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. The current reporting violates these provisions, and I am requesting immediate reinvestigation and correction to ensure compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief