vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: IN

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
I previously had an account with Spectrum, which I terminated back towards the beginning of this year. I returned all of the equipment to a local Spectrum office and informed them that I wanted to terminate the monthly account. 

I did this at the end of the ongoing monthly cycle so that there would not be any residual monies owed. The last payment debited from my bank account from XXXX was in the amount of {$87.00} on XXXX XX/XX/year>. I am not sure of the actual service dates for this payment, as they never sent or emailed any monthly statements. I have never received ANY correspondence from Spectrum after returning the equipment, stating any residual amounts were owed or acknowledging that I had terminated the service. 

At any rate, I recently started receiving text messages from a company called Harris & Harris stating that they were attempting to collect a debt regarding Spectrum. I called them to inquire about the matter, however they insisted on asking innumerable questions about me without providing any information about the alleged debt. 

I work very hard to keep up with my bills and maintain a clean credit record, so this type of behavior from XXXX should not be allowed. I would appreciate any help from your office in this matter as I'm sure it is not isolated to my situation. 

Thank you ; XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I sent letters via certified mail and I uploaded documents to Nelnet account and their has been no response and no information provided from student loan servicer. Letters was sent in XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Cease and Desist Collection Activities- Account # XXXX To Whom It May Concern, I am writing in regard to the above-referenced account, which I am disputing. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby request that you cease and desist from all communication with me in regard to this alleged debt. 
This letter serves as formal notice that I do not wish to be contacted any further by Portfolio Recovery Associates or any of its affiliates or representatives. This includes communication via telephone, mail, email, or any other form of contact. Any further attempts to contact me, except as allowed by law, will be considered a violation of the FDCPA and may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office.

Additionally, I request written validation of the alleged debt in accordance with 15 U.S.C. 1692g.Please provide documentation that proves : 1. The amount of the alleged debt is accurate ; 2. That you have the legal right to collect this debt ; and 3. A copy of the original contract or agreement bearing my signature.

If you can not provide this information, you must cease all collection efforts and remove the account from any credit reporting agencies to which you have reported it.

Please consider this letter my final communication on this matter unless you are providing the documentation requested above or taking court action. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TN

Complaint narrative:
XXXX was purchased with my debit card and was sent to an unauthorized party without my permission. It ve tried addressing this with PayPal with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-06-11 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:
XXXX. I am writing to formally file a dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding inaccurate information appearing on my credit report. The account in question was discharged through bankruptcy but is being incorrectly reported as sold, which misrepresents its actual status. The account is listed below : XXXX XXXX XXXX XXXX - Acct # XXXX XXXX. I am writing to file a formal complaint and dispute under the Fair Credit Reporting Act ( FCRA ) concerning a closed account on my credit report that lacks any reported payment history, account activity, or accurate data. This account is listed as closed on my credit report, but it contains no payment history, status updates, or monthly reporting, which creates an incomplete and misleading profile of the account.

Under the FCRA : 15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : A consumer has the right to dispute incomplete or inaccurate information, and the agency must reinvestigate unless the dispute is frivolous or irrelevant. 
The lack of payment or activity history causes the credit report to be incomplete and inaccurate, and it may negatively affect credit scoring models by failing to reflect my full payment record or history of responsible account management. The accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have no knowledge of this account due to the fair credit reporting act these improper and invalid inquiry should be removed from my credit profile

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 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against LVNV FUNDING regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$440.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with LVNV FUNDING buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Dave Operating, LLC
State: MD

Complaint narrative:
I received a cash advance from Dave which I repaid. They are now claiming that due to third party processing error, a payment was returned by my bank and I owe them additional money. My bank shows payment in full and no returns. Dave refuses to provide proof of the return transaction which allegedly occurred three months ago in XXXX. I think that they have made an error and they refuse to provide any proof receipt or any proof that the returned happened. They keep saying that a recent system update uncovered the amount due, but I believe that their update caused an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
First I called transunion credit bureau, equifax credit bureau, and experian credit bureau to ask why my XXXX XXXX payments history wasnt appearing on my credit reports and they said XXXX XXXX was not reporting it to them and to call XXXX XXXX to solve this problem, I have called XXXX XXXX XXXX XXXX and every time they tell me they are reporting it to the credit bureaus, I have been going through this since XX/XX/XXXX calling back and forth trying to get my payments history reporting and all the companies keep telling me the same thing, transition, XXXX and experian saying they not getting my payment history from XXXX XXXX and XXXX XXXX keep telling me they are reporting it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
First I called transunion credit bureau, equifax credit bureau, and experian credit bureau to ask why my XXXX XXXX payments history wasnt appearing on my credit reports and they said XXXX XXXX was not reporting it to them and to call XXXX XXXX to solve this problem, I have called XXXX XXXX XXXX XXXX and every time they tell me they are reporting it to the credit bureaus, I have been going through this since XX/XX/XXXX calling back and forth trying to get my payments history reporting and all the companies keep telling me the same thing, transition, XXXX, and XXXX saying they not getting my payment history from XXXX XXXX and XXXX XXXX keep telling me they are reporting it

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
First I called XXXX  credit bureau, equifax credit bureau, and XXXX credit bureau to ask why my XXXX XXXX payments history wasnt appearing on my credit reports and they said XXXX XXXX was not reporting it to them and to call XXXX XXXX to solve this problem, I have called XXXX XXXX XXXX XXXX and every time they tell me they are reporting it to the credit bureaus, I have been going through this since XX/XX/XXXX calling back and forth trying to get my payments history reporting and all the companies keep telling me the same thing, XXXX, equifax, and XXXX saying they not getting my payment history from XXXX XXXX and XXXX XXXX keep telling me they are reporting it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
Collection Account This is a formal dispute regarding the XXXX XXXX XXXX. account listed on my credit report. 

This account is marked as placed for collection with a balance of {$370.00}. There is no valid verification, and a prior dispute was listed as resolved without documentary evidence. 

Violations : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681e ( b ) - 15 U.S.C. 1681s-2 ( b ) - 15 U.S.C. 1681c ( a ) ( 4 )/ ( a ) ( 5 ) I demand immediate permanent deletion of this item or full method of verification, including date, documents, and original creditor contact information within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: AL

Complaint narrative:
Collection Account This is a formal dispute regarding the XXXX XXXX XXXX. account listed on my credit report. 

This account is marked as placed for collection with a balance of {$370.00}. There is no valid verification, and a prior dispute was listed as resolved without documentary evidence. 

Violations : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681e ( b ) - 15 U.S.C. 1681s-2 ( b ) - 15 U.S.C. 1681c ( a ) ( 4 )/ ( a ) ( 5 ) I demand immediate permanent deletion of this item or full method of verification, including date, documents, and original creditor contact information within 30 days.

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 2025-06-11 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX, XX/XX/year>.

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 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Dave Operating, LLC
State: FL

Complaint narrative:
I transfered money into my XXXX Account and was then locked out of my account. I was prompted to verify my personal details which I did correctly and then my account was closed and I wqsnt told why or what for. I reached out to them via email and they just told me they had to close my account but gave no explanation. I was told I would receive a refund for the remaining balance which was XXXX XXXX Its been since XX/XX/XXXX and I have not received a check i have emailed the person back several times to no avail. I get no response so I reached out to the XXXX page and whoever runs that just tells me to keep waiting. Its been almost 2 months and I'm still out of XXXX XXXX I need them to cut the check for my refund of my accounts balance when they closed my account for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting an investigation into accounts from companies that are wrongly reporting late payments. After carefully reviewing my credit report, I found incorrect late payment marks on certain accounts. These accounts should not have any late payment remarks. Please update them to reflect accurate information.

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