vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive attached the official police report to this complaint. 

I am writing to dispute a fraudulent hard inquiry from XXXX XXXX  XXXX that appears on my credit report. I did not authorize this inquiry, I did not apply for credit with XXXX XXXX XXXXXXXX, and this inquiry was the result of identity theft. This item violates multiple sections of the Fair Credit Reporting Act ( FCRA ). Please apply the correct identity-theft dispute codes and remove the inquiry immediately. FCRA 611 Duty to Investigate & Delete Unverifiable Information You must conduct an investigation and delete any information that can not be verified as authorized by me. XXXX XXXX XXXXXXXX Hard Inquiry Date of Inquiry : XX/XX/year> This inquiry is fraudulent, unauthorized, and must be deleted immediately. Please send me an updated copy of my TransUnion credit report once the investigation is complete and the inquiry has been removed. Thank you for your prompt attention.

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 2025-11-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: NC

Complaint narrative:
I was scammed and my cash app was hacked. I tried to log into said cash app and it told me the cash app didn't exist or couldn't be recovered. But after using my XXXX tonight all three of my purchases went through and I didn't realize it was connected to my old cash app account that was hacked and the payments went through. I don't want any problems with the IRS or anything owing that money or what have you because somebody's using my account with my information. I've already spoke to cash up and they told me I can't get support unless I log into the old account that was hacked and I can't log into that account, I've tried and I've tried and I've tried I've even tried calling the support line and to no avail I have not been helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX ( XXXX ) XXXX XXXX To Whom It May Concern : Identity Theft Dispute Unauthorized Account I am writing to formally dispute an account that appears on my credit report from Exeter Finance LLC that does not belong to me. I am a victim of identity theft, and this account was opened or used without my knowledge or authorization. 

The account in question is : Creditor Name : Exeter Finance LLC Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  As required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that this fraudulent account be immediately blocked, removed, or deleted from my credit file and any collection activities ceased.

Pursuant to 15 U.S.C. 1681c-2 ( a ), once a consumer provides proof of identity theft and a valid identity theft report, the consumer reporting agency and furnisher must block the reporting of any information that results from identity theft.

Enclosed, you will find the following documents supporting my claim : A copy of my FTC Identity Theft Report A copy of my government-issued photo ID Proof of my current address I request written confirmation that : 1. The disputed account has been permanently removed or blocked.

2. All collection efforts related to this fraudulent account have ceased.

3. Any related negative information has been deleted from my credit file and will not be reinserted.

Please be advised that under 15 U.S.C. 1681i ( a ) ( 5 ), you are required to correct or delete inaccurate or unverifiable information within 30 days of receiving this notice. Failure to comply may result in legal action or a complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Thank you for your prompt attention to this matter. Please send your response to my mailing address listed above. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NJ

Complaint narrative:
USC169 wich the Fair Credit Reporing act, the list of accouns below has volaled my federaly protected consummer nights to privacy and confidentialiy under XXXX XXXX XXXX XXXX XXXX XXXX  The accounts below have violated my rights. 
XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy.

None than 180 anguag 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 ther adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 16815-2 ( A ) ( a ) 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. 
Delete the accounts below. 

XXXX 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 explanation
Consumer complaint received 2025-11-14 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I see collection accounts on my credit report that I believe include incorrect details. Under my rights in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate. I am requesting that these items be reviewed, and if their accuracy can not be confirmed, they should be removed.

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 2025-11-14 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 did not authorize this inquiry and I did not speak with this lender on the date indicated. Accordingly, I respectfully request that you remove this inquiry from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I did not authorize this inquiry and I did not speak with this lender on the date indicated. Accordingly, I respectfully request that you remove this inquiry from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint because LVNV Funding LLC and its servicer, Resurgent Capital Services, are reporting false, inaccurate, conflicting, and misleading information to the credit bureaus and engaged in deceptive collection practices. 

I recently discovered that the payments I made were done under the mistaken belief that I was paying the original creditor ( XXXX  XXXX ). At no point did Resurgent clearly disclose they were a third-party collector when the payment arrangement was made. This caused consumer confusion, which violates FDCPA 807 regarding false or misleading representations. 

In addition, the collector has provided inconsistent and inaccurate information that does not match what is being reported to the credit bureaus. The balances reported include multiple different amounts : {$2100.00} {$2000.00} {$2000.00} {$1900.00} These conflicting amounts appear across different credit bureaus and even within their own correspondence. The dates of last activity are also inconsistent ( XXXX and XXXX ), and the payment history is either missing or incorrect. This violates FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report only information that is complete and accurate. 

I requested verification of this debt, and the only documentation Resurgent provided was a XXXX XXXXXXXX XXXX  statement, which is not proper validation under FDCPA 809 ( b ). They did not provide : The original signed agreement Proof of ownership of the account ( bill of sale with my account number ) A complete chain of title A full itemized accounting of the balance Documentation establishing their legal right to collect Despite the lack of proper validation, LVNV Funding and Resurgent continue to report and collect on the account. This is a violation of FDCPA 809 ( b ) and FCRA 623 ( a ) ( 3 ) ( failure to correct information ). 

Because of these issues, I have stopped payment to Resurgent as of today and am requesting the CFPB to intervene, as the company is : Furnishing inaccurate information Failing to provide required validation Misrepresenting their identity and authority Continuing collection activity without proper verification Causing consumer confusion and financial harm These violations are ongoing and causing adverse credit impacts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally complain about Experian 's failure to remove outdated addresses from my credit report. Despite multiple requests, Experian continues to list addresses where I no longer live, which negatively impacts my credit profile and overall financial standing. 

I have contacted Experian on [ insert dates of your communication ] to dispute these inaccuracies. However, my requests have been ignored or inadequately addressed. The presence of these incorrect addresses not only misrepresents my current living situation but also raises concerns about my identity and creditworthiness. 

Under the Fair Credit Reporting Act, I understand that I have the right to dispute incorrect information, and it is the responsibility of credit bureaus, including Experian, to ensure the accuracy of the data they provide. I trust that your office will take appropriate action to rectify this situation. I would appreciate your assistance in ensuring that Experian follows the necessary procedures to remove these addresses from my report promptly. 

Thank you for your attention to this matter. I look forward to your response.

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 2025-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I spoke with a representative of Carmax Auto, to inform them of the changes to the joint account for the XXXX XXXX XXXX. I reported of the finalization of the divorce and that it was ordered by the judge that my ex-spouse was to be responsible for this account. I was prepared to send proof of paperwork to them, until I was instructed that the account would not be changed, regardless of the divorce.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: SC

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-11-14 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reviewed my credit reports dated XXXX from TransUnion, Experian, and Equifax, and I found several names, addresses, and employer listings that do not belong to me. I am not associated with these names, I have never lived at the listed addresses, and I have never worked for the employers shown. These items appear to be errors or possibly mixed with another persons information. 

The incorrect information includes : Multiple addresses in XXXX XXXX  XXXX, and XXXX XXXX that I have never lived at. 
Alternate versions of my name that I have never used. 
Employer names that I have never worked for. 

I did not authorize or provide any of this incorrect information, and it does not reflect my identity or history. I am requesting that these inaccurate names, addresses, and employer details be investigated and removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: NE

Complaint narrative:
I have repeatedly received calls from different agencies claiming who they are requesting to speak with me about collecting money. 
XXXX @ XXXX XXXX  via phone call XXXX @ XXXX via text message

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX COMPLAINT XXXX at the XXXX XXXX in XXXX, Texas. 

A fire occurred at the property which resulted in unsafe conditions. Management issued notice instructing residents, including myself, to vacate the unit within 7 days due to safety concerns. I have attached the fire report and management communication confirming displacement. 

After this incident, management issued an official Lease Termination Letter for my unit showing a {$0.00} balance. This clearly establishes that no debt existed, no rent was owed, and no tenant breach occurred. 

Despite this, XXXX XXXX XXXX is reporting a {$7000.00} rental debt, which is false, inaccurate, and not legally enforceable. Under the Fair Credit Reporting Act and Texas Property Code 92.054, a casualty-loss event and forced displacement legally terminate the lease and release tenants from liability. 

I am requesting permanent deletion of all public record and rental collection reporting related to XXXX at the XXXX, as these entries are factually incorrect and can not be verified. 

Documentation supporting my dispute is attached, including the fire report, vacate notice, and the XXXX-balance lease termination letter.

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 2025-11-14 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: TN

Complaint narrative:
XX/XX/year> I was scammed my whole XXXX XXXX check within 24 hours. They went through my bank, cash app, and XXXX. Till I only had XXXX cents. I did not authorize these transactions. I would not do that knowing that was only money I get for the month. I was threw out to live in my car for three months because someone took and destroyed me. I will not except the claim be closed because I didnt give my money to anyone. Plz find someone that can prove that I didnt do this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX. ACCOUNT : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation