vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: CA

Complaint narrative:
I am filing a complaint about a phone call my mother received from a company called National Service Bureau ( Phone number XXXX. Claim number XXXX ) on XX/XX/2025 at XXXX XXXX  XXXX time. The caller who did not immediately identify themselves stated that I was an uninsured motorist at the time of an accident that took place in XX/XX/2025 in California and that because of this, I owed this company {$1600.00}, otherwise they would take legal action and it would affect my drivers license. I then received a letter a day later ( attached for reference ) indicating they have already requested my license be suspended because I was an uninsured motorist at the time of the accident. Just to clarify I was involved in an accident in XX/XX/2025 and reported it to my insurance company XXXX immediately who found the opposing party responsible for the accident. My insurance company XXXX refused to pay the claim of the other party, XXXX XXXX. I was informed by my insurance company three months ago that their claim was denied and the case was closed. 

Following are the violations : 1. Contacting third parties about your debt, e.g. employer, friends or FAMILY. They contacted my mother and I am over the age of XXXX and disclosed personal information and that I owed them {$1600.00}. 
2. No statement that the call was being recorded at the beginning of phone call.

3. Failure to state at the beginning of the call that they were a debt collector and this was an attempt to collect a debt.

They stated they were working with XXXX but not that they were a collection agency or that it was an attempt to collect money. 
4. Taking or threatening illegal action.

Threatened to get my license disqualified because I was an uninsured driver unless I paid {$1600.00} to them immediately. 
As previously stated, I was in fact fully insured at the time of the accident and reported it to my insurance company XXXX. 
5. Failure to inform me of your right to dispute the debt within 30 days of initial contact. My mother got a phone call and then I received the letter a day later in the mail. 
6. Misrepresentations and false statements. Misrepresenting legal consequences. 
The representative stated they would get my license disqualified as I was an uninsured motorist which was false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MD

Complaint narrative:
I am filing this complaint regarding multiple inaccurate entries on my credit reports from Experian, TransUnion, and XXXX, which violate the Fair Credit Reporting Act ( FCRA ), including FCRA 611 ( 15 U.S.C. 1681i ), 15 U.S.C. 1666, 15 U.S.C. 1666a, and FCRA 623 ( a ) ( 2 ). XXXX XXXX XXXX account ending XXXX XXXX XXXX XXXX XXXX  is incorrectly reported as 30 days late in XXXX, XXXX, and XX/XX/year> on both TransUnion and Experian reports, despite the balance being {$0.00} and all payments having been made on time. Similarly, my XXXX XXXX accounts ending XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are reported as 30 days late in XXXX and XX/XX/year> on both TransUnion and Experian, even though these accounts were fully satisfied and no delinquencies occurred. These repeated errors are harming my creditworthiness, causing stress, and reflect a failure by the credit bureaus and the furnishing creditors to ensure accurate reporting, as required under FCRA 611, 623 ( a ) ( 2 ), and 15 U.S.C. 1666 and 1666a. I have documentation supporting that all accounts were current and paid as agreed, and I request immediate investigation and correction of these inaccurate entries.

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 2025-11-24 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: MS

Complaint narrative:
Cash App which id been using for years all the sudden had some charges on it that i didnt make. So naturally i contacted cash app and disputed the charges which totaled up to about {$320.00}. They let me know that they would investigate. I guess they did and then would say they were ligitimate charges and rule against me. Well i didnt accept this and kept complaining. The next thing that happens was cash app shut down my account. They said this was due to suspicious activity. When i responded what suspicious activity? I said you are supposed to protect my money not help people to steal it. Then when i try to look at my account history and money ive spent they shut me out of that. When i tried again i get some computer warning about they sensed a viral attack and made it where i cant even talk to them about it. Im on XXXX and dont have much. My monthly check is direct deposit to cash app. I went to the Social Security office and changed where my money was sent. The lady there said that XX/XX/year> payment would still go to cash app. They say XXXX to 5 days and they will send it back to originator of the payment. I guess then it will get sent to me. Meanwhile bills dont get paid, electric get cut off, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MI

Complaint narrative:
I am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. 
Late accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Legal Basis : 1.15 U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law.

2.15 U.S.C. XXXX XXXX XXXX ( XXXX ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data. 
3.15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information.

4.15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified. 
Legal Precedent : In XXXX XXXX Trans Union, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no relationship to these accounts and am requesting their removal within the FCRAs XXXX deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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 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 2025-11-24 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: SC

Complaint narrative:
I have been dealing with an extremely long and frustrating dispute involving XXXX XXXX  and the credit reporting agencies Experian, Equifax, and TransUnion. This has been going on for nearly two months and it is severely affecting my credit scores, causing me emotional distress and financial hardship. 

The company previously sent me written confirmation by email stating that they no longer own the debt. Despite this, the bureaus continued reporting the account as a charge-off. When I disputed it, XXXX responded by sending documents that were NOT proof of ownership, validation, or accuracy. They failed to provide any of the information I specifically requested. 

Even worse, TransUnion reported this same charge-off twice, creating duplicate negative accounts. Equifax updated the account with incorrect comments and statuses, causing my score to drop XXXX  points. Experian is still reviewing the original dispute and my score only recently recovered into good standing, so this ongoing situation is placing me in fear of further damage. 

I have repeatedly asked the company for correct documentation, ownership details, and validation, and they have not provided anything I requested. Instead, the information they sent back was incomplete, confusing, and did not address my direct concerns. 

This situation has caused serious harm to my credit, which I rely on for housing, transportation, and daily life. I am now overwhelmed trying to fix something that should have been resolved weeks ago. The companies are not investigating properly, and the repeated inaccurate reporting is violating my rights under the FCRA. 

I am requesting CFPB intervention because the credit bureaus and XXXX have not corrected these errors despite multiple attempts and clear evidence.

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 2025-11-24 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: SC

Complaint narrative:
I have been dealing with an extremely long and frustrating dispute involving XXXX XXXX  and the credit reporting agencies Experian, Equifax, and TransUnion. This has been going on for nearly two months and it is severely affecting my credit scores, causing me emotional distress and financial hardship. 

The company previously sent me written confirmation by email stating that they no longer own the debt. Despite this, the bureaus continued reporting the account as a charge-off. When I disputed it, XXXX responded by sending documents that were NOT proof of ownership, validation, or accuracy. They failed to provide any of the information I specifically requested. 

Even worse, TransUnion reported this same charge-off twice, creating duplicate negative accounts. Equifax updated the account with incorrect comments and statuses, causing my score to drop XXXX  points. Experian is still reviewing the original dispute and my score only recently recovered into good standing, so this ongoing situation is placing me in fear of further damage. 

I have repeatedly asked the company for correct documentation, ownership details, and validation, and they have not provided anything I requested. Instead, the information they sent back was incomplete, confusing, and did not address my direct concerns. 

This situation has caused serious harm to my credit, which I rely on for housing, transportation, and daily life. I am now overwhelmed trying to fix something that should have been resolved weeks ago. The companies are not investigating properly, and the repeated inaccurate reporting is violating my rights under the FCRA. 

I am requesting CFPB intervention because the credit bureaus and XXXX have not corrected these errors despite multiple attempts and clear evidence.

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 2025-11-24 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: NY

Complaint narrative:
I am submitting this complaint to report Equifaxs continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/year>, and XX/XX/year>. The account in questionXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Equifax has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Equifax is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Equifax has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Subject : Immediate Action Required : Dispute of Inaccurate Information Due to Data Breach To Whom It XXXX Concern, I am writing to formally dispute the inaccuracies on my credit report resulting from a recent data breach. This breach has compromised my personal information, leading to unauthorized accounts and inquiries that are damaging my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information that is inaccurate or incomplete. 

The following entries are a direct result of this breach and must be investigated and removed immediately : Unauthorized Accounts : 1. Chapter 7 Bankruptcy Case Number : XXXX 2. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX. Chapter 7 Bankruptcy 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 explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( 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 2025-11-24 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: LA

Complaint narrative:
My credit reports across TransUnion, Experian, and Equifax contain multiple serious inaccuracies that violate my rights under the FCRA, including numerous incorrect versions of my name such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, along with several inaccurate addresses including listings from XXXX, XXXX XXXX, and XXXX, LA that I have never used or no longer occupy ; additionally, charge-off accounts are reported with conflicting balances and inconsistent dates of last activity, including XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX, and XXXX XXXX  XXXX XXXX XXXX dates such as XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all being reported differently by each bureau, creating a distorted credit profile ; my XXXX  XXXX bankruptcy is also being reported inconsistently, with different reference numbers across bureaus despite being from the same filing date ; further, there are multiple unauthorized or outdated hard inquiries such as those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX that I did not authorize or that exceed the permissible reporting period, all of which violate FCRA XXXX, XXXX, XXXX, and XXXX, demonstrating a failure to ensure accurate reporting and reasonable procedures, and causing ongoing harm to my creditworthiness and financial opportunities.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Requested validation or deletion from credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: AR

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

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 2025-11-24 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with explanation