vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at DEPT OF EDXXXX on XX/XX/year> with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Dear XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Lvnv Funding Llc XXXX XXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Lvnv Funding Llc XXXX XXXXXXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
I received a {$200.00} gift card and there was a {$99.00} dollar online transaction that I did not make. The merchant has no contact information. I made a complaint to the gift card company and forwarded all the information requested. 
- picture of the gift card ( front and back ) - photo ID - selfie holding the gift card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Formal Complaint Against Experian for Failure to Correct Inaccurate and Unverified Credit Reporting To Whom It May Concern, I am filing this complaint against Experian Information Services for their continued reporting of inaccurate, outdated, and unverifiable information on my credit report, despite multiple disputes submitted under the Fair Credit Reporting Act ( FCRA ).

Experian is reporting the following accounts that I have challenged through formal disputes, with no valid verification, documentation, or legal justification provided : 1. XXXX XXXX ( multiple accounts ) Reported as charged off with static balances but no verification of original contracts or repayment terms. 


2. XXXX XXXX Balance exceeds the credit limit ; no breakdown of charges provided ; dispute not properly marked. 


3. XXXX XXXX Account is obsolete and beyond the 7-year reporting period ; debt sold but inaccurately remains on file. 


4. XXXX XXXX XXXX XXXX buyer failed to validate original agreement or charges ; account remains with no verified history. 


5. XXXX XXXX XXXX Duplicate entry from a previously charged-off XXXX XXXX account XXXX unverifiable and misleading. 


6. XXXX XXXX Account charged off years ago with no activity since 2020, yet it continues to report inflated balances monthly. 



These entries violate multiple provisions of the FCRA, including : 1681e ( b ) : Failure to maintain maximum accuracy.

1681i : Failure to conduct a proper reinvestigation upon dispute.

605 ( a ) : Reporting of obsolete information.

1681s-2 ( a ) ( 3 ) : Failure to flag previously disputed accounts.

I have already submitted dispute letters to Experian, including detailed explanations and demands for deletion. Yet Experian has continued to update these accounts without resolving the inaccuracies or providing supporting documentation.

I am requesting that the CFPB conduct an immediate investigation into Experians negligent and noncompliant handling of my credit file. I ask that you compel them to : Permanently delete all accounts that can not be fully verified with original documentation.

Provide me with an explanation and copies of any documentation used in their reinvestigation process.

Ensure my credit report reflects only accurate, timely, and verified information in accordance with federal law.

Thank you for your attention to this matter. I am prepared to provide copies of my original dispute letters, proof of identity, and a current credit report upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: GA

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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Which has violated my rights 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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 wrong, they can not report it to a CRA.

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 2025-05-18 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:
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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Which has violated my rights 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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 wrong, they can not report it to a CRA.

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 2025-05-18 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: SC

Complaint narrative:
I was reviewing my consumer credit report and I saw many queries that I did not recognize and that I never carried out and were made withoud my authorization and I attach a list of them - XXXX XXXX XXXX XXXX, dateXXXXXXXX -XXXX XXXX XXXX, dateXXXX - XXXX XXXX XXXX dateXXXX XXXX XXXX dateXXXXXXXX XXXX XXXX XXXX XXXX dateXXXX -nXXXX XXXX XXXX XXXX dateXXXXXXXX XXXX XXXX XXXX dateXXXX XXXX XXXX XXXX dateXXXX XXXX XXXX XXXX date1XXXX XXXX XXXX dateXXXXXXXX XXXXXXXX XXXX XXXX dateXXXX XXXXXXXX XXXX XXXX XXXX date0XXXX5 XXXX XXXX XXXX dateXXXX  XXXX XXXX XXXX dateXXXX XXXX XXXX XXXX XXXX dateXXXX XXXXXXXX XXXX XXXX dateXXXX XXXX XXXX XXXX dateXXXX XXXX XXXX dateXXXX XXXX XXXX XXXX XXXX dateXXXX XXXX XXXX XXXX XXXX dateXXXX  XXXX XXXX XXXX XXXX, dateXXXX XXXX XXXX XXXX XXXX date XXXX  XXXX , date XXXX XXXX date XXXX  XXXX date XXXX XXXXXXXX XXXX, date XXXX XXXXXXXXXXXX data XXXX XXXX XXXX date XXXX XXXX XXXX  date 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 2025-05-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Nationwide Capital Services, LLC
State: TX

Complaint narrative:
I received a call from a Debt Collector ( structured settlement ) claiming to collect a debt the name of the person I spoke to was XXXX XXXX XXXX call he made to me was on XXXXXXXX XXXX XXXX  at first he was explaining to be the reason for his call after explaining to him the reason I had stoped paying the loan he would tell me well why w you get a second job if your not making enough and told me about getting a car with a much less payment and would automatically say well Im just going to put your denying to pay the debt when I would never say that he was being very rude and not understanding, after threatening me tell me he could take me to court and I would have to pay all the court fees and attorney fees he then was willing to work on a payment plan with me, I was then transferred to another department to set up payments. I then got off the phone and started doing some research as after the call it came to mind it may be a scam since I was being threatened so I cancelled my card I called them and asked for a validation of debt & asked if they had a website and was told they do not & automatically transferred me to XXXX XXXX and asked for my email & was told he would send me the letter I did not receive the letter after 5 hours after our call I read the letter and saw a typo & the address on the letter is not where the business is located so I instantly said this has to be a scam. As days went by I would receive calls of a returned payment and when voicemail was left it was an automated system saying his name was XXXX XXXX but sounded as in a robot so I just ignored them. Then on XX/XX/year> I received a call from XXXX XXXX to my job and saw a voicemail was left and said something along the lines of I have already spoke to your employer and they will be sending me paperwork. I then get with my HR department and did verify with me that he did call asking for verification of employment and he would be faxing over a form for them to fill out. My employer did state they are not allowed to verify employment without my consent as well as they are not supposed to be receiving those type of calls to the work place. He has yet to call again after that nor has called me either.

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 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: SC

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 confidentially under 15 USC 1681. 

Account # XXXX. Account name. # XXXX. Account # XXXX. Has violated my rights.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 602 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681a. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions, and crimes which antedates the report by 7 years.

15 USC 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: AL

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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:
Subject : Violation of FCRA Section 623 ( a ) ( 5 ) by TransUnion - Improper Investigation and Re-Aging of Account To Whom It May Concern, I am filing an urgent and formal complaint against TransUnion for its blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 5 ), which relates to the failure to conduct an appropriate investigation of disputed information and the improper re-aging of an account on my credit report. 

Details of the Complaint : TransUnion has repeatedly mishandled my dispute concerning the account identified as XXXXXXXX XXXX XXXXXXXX XXXX * * * *. Each time an investigation is initiated, TransUnion inaccurately updates the closed date to a current date, thereby re-aging the account. This practice is not only misleading but also a direct violation of the FCRA, which mandates that credit reporting agencies must ensure the accuracy and integrity of the information they report. 

Impact : TransUnion 's negligence has caused significant harm to my credit profile, leading to undue distress and financial disadvantage. The repeated failure to correct the inaccurate reporting despite clear evidence provided to them is unacceptable and demonstrates a lack of adherence to federal law.

Resolution Sought : I demand that TransUnion be held accountable for its failure to comply with the FCRA. Specifically, I am seeking : 1. Complete removal of the inaccurate account from my credit report.

2. Assurance that proper investigative procedures will be implemented to prevent future violations.

3. Any applicable penalties or corrective actions deemed necessary by the CFPB to enforce compliance with the FCRA.

I have attached supporting documentation that clearly illustrates the original closed date and the pattern of inaccuracies perpetrated by TransUnion.

Attachments : - Documentation of other credit bureaus reporting and evidence of re-aging Thank you for your attention to this serious matter. I trust that the CFPB will take swift and decisive action to rectify these violations and protect consumers like myself from further harm. 

Sincerely, 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