vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: UT

Complaint narrative:
These accounts are being reported in my name without my knowledge or consent, and I have never opened, authorized, or managed them. This is entirely unacceptable, as it reflects inaccurate and misleading information about my financial history. I take the integrity of my credit profile very seriously, and the presence of these unauthorized accounts is deeply concerning. I request immediate clarification regarding the origin of these accounts and the party responsible for reporting them.

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 2025-05-29 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: OH

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-29 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 List of Unauthorized Inquiries : XXXX XXXX - XXXX 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 2025-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: GA

Complaint narrative:
Interests rates extremely inflated makes it very difficult to pay loan back. Reached out multiple times about interest rates customer service reps stated the rates change daily unable to tell future interest just interest for the day.

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 2025-05-29 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:
SEE ATTACHMENT # # # Summary of Issues : * * 1. Inaccurate Reporting * * - Example : XXXX XXXX shows a {$2300.00} collection on XXXX but {$0.00} on XXXXboth marked as negative. 
- XXXX XXXX, XXXX XXXX also report varying balances and statuses between bureaus. 

* * 2. Failure to Investigate and Correct ( FCRA 611 ) * * - Disputed items remain unchanged across rounds. No proof of proper reinvestigation was provided.

- TransUnion deleted certain items while XXXX and XXXX continue reporting them. 

* * 3. Inconsistent Data Across Bureaus ( FCRA 607 ( b ) ) * * - Same accounts show different balances and statuses across credit bureaus.

* * 4. Failure to Flag Disputed Accounts ( FCRA 623 ( a ) ( 3 ) ) * * - Some accounts do not reflect a " disputed '' status despite my formal disputes being submitted.

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 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Date : XX/XX/year> LVNV Funding LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX RE : Cease and Desist All Communication Including Credit Reporting To Whom It May Concern : This letter is to formally notify you that I am requesting LVNV Funding LLC to cease and desist from all forms of communication with me, whether direct or indirect, regarding any alleged debt you claim I owe.

This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), which gives me the right to demand that debt collectors stop contacting me.

I am also putting your company on notice that reporting information to any credit bureau is considered a form of communication under the FDCPA, especially when it is done with the intent to pressure payment. Therefore, I am requesting that you cease reporting or updating any account related to me with the credit reporting agencies, as this constitutes continued communication in violation of this request.

If you believe that any legal action may be pursued, you are instructed to contact me only through the courts.

Failure to comply with this cease and desist request will result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I will also consider pursuing legal action against your company for any violation of my consumer rights under the FDCPA or the Fair Credit Reporting Act ( FCRA ).

This letter is being sent via certified mail with return receipt requested for documentation purposes. Please govern yourselves accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
As done many times before, my spouse sent me money to pay bills and living expenses. PayPal suddenly limited our accounts and is holding all of our money necessary to rent rent and monthly bills. I complied with their request and explained that the money was from my immediate family to cover important bills. PayPal decided to permanently limit my account and is holding my money without explaining why. Paypal is refusing to give any reason at all. This has caused devastation and we are sick to be in danger of losing our home due to PayPals unjust actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-29 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: TX

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00}

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 2025-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Called Shellpoint to report Mortagage Fraud by a borrower, XXXX XXXX XXXX. Defrauding, stealing my home, while attempting to skim 50 % equity from a rightful owner and leaving me balance of mortgage owed, {$270000.00}. Financial Exploitation, Elder Abuse 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 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
XX/XX/year> - {$3000.00} XX/XX/year> - {$2000.00} XX/XX/year> - {$2000.00} I reached out our wedding coordinator to arrange payment for our final deposit of {$3000.00}. Someone hacked into their email in the middle of the email thread, pretending to be our wedding coordinator, and had us wire transfer them the above totals. 

When we finally got in contact with our actual wedding coordinator, she had none of the emails and said that they would never do a wire transfer. We got scammed out of {$7000.00}. 

I called my bank, Santander, to file a fraud report and they said you wire transferred the money so it is not fraud and would not even let me appeal it or provide them with the local police report I had submitted. They did not try and help us out by reaching out to the scammers bank, XXXX XXXX, or provide any type of scam reimbursement. 

We just want our {$7000.00} back. That is a lot of money to us and a huge portion of our wedding budget. Please help if you can.

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 2025-05-29 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to make it clear that this complaint is both deliberate and justified. My credit report contains inaccurate information that fails to meet the legally required standard of maximum possible accuracy. These reporting errors are causing significant and ongoing harm to my financial stability and overall well-being. 
This issue is placing an undue burden on me at a time when I am already facing considerable personal and financial challenges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
XXXX. AFFIRM INC Multiple Accounts Account # : XXXX * * ( Opened : XX/XX/year> ) * * Status shows Paid, yet payment status is listed as " Collection/Chargeoff '' with a history of XXXX lates. This is conflicting. 

Discrepancy between the final status and the delinquency reporting. 

Account # : XXXX * * ( Opened : XX/XX/year> ) * * Status is Paid, but still marked as Collection/Chargeoff. 

Consumer dispute note exists, but the charge-off status should be corrected if settled in full. 

Account # : XXXX * * ( Opened : XX/XX/year> ) * * Shows as Derogatory with {$360.00} past due, with continued charge-off reporting even after a payment recorded on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
I choose this company because they advertised as it was a program using federal money to pay veterans for their debt. But they never asked for XXXX  ID or DD 214 forms to proof I am a XXXX. They explained about a debt consolidation program with them asking for a biweekly fee. Not only the advertising is deceiving and claiming to be government assistant money assigned to help veterans to get out of debt, but Also, in order to demonstrate hardship, they are asking to stop payments of credit cards, very questionable way to qualify under this so-called Debt consolidation program for XXXX. 

Furthermore, I have requested to cancel the program invoking the contract, but they are still deducting money from my account and ignoring my requests including several e mails to XXXX XXXX, a certified debt consultant from Freedom Debt relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
The account is old its charged offf they keep changing dates to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: CBC Companies, Inc.
State: KY

Complaint narrative:
dear my credit report show inaccurate and innovis company and XXXXXXXX XXXX XXXX  keeping or reporting chargeoffs debt XXXX, others report XXXX is illegal and innovis dont not this debt was pay and closed and they check law15usc 1681e, b,15usc 1681a2,15usc 1635,15usc 1692g somes violation of chargeoffs and these debt keeping too violation of late payments they check law 15usc 1681 ( s ) 2,15usc1681 ( 4 ), 15usc1681 ( a ) and 15usc 1681 ( 2xi ) ,15usc1666B, i demand these items investigated and removed from my report and stop the second or others consumers reporting in my credit report one law explain each violation illegal 1000 dollars fine, i hope these case resolved without harmto anyone please thanks so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
On or around the XXXX of XXXX my Cash App Account was abruptly closed. I was told I violated terms of agreement. I asked how. I was not given any reason. I asked for an appeal. I was told it may take more than XXXX  days. My child 's cashapp which I sponsored was also closed. My credit accounts with Afterpay And Cash App Borrow which I used and repaid faithfully was closed. But the most grievance is the fact that my XXXX XXXX wallet and stocks through Cashapp are not able to be moved into a new wallet. I called on XX/XX/XXXX at XXXX and spoke with an XXXX XXXX He informed me that there was Noone to speak to over him. That he noted my complaint and someone would get back with me. Again no specific. I was informed that I would have to sell my bitcoin and stocks to get them off the platform. That's preposterous. I can not be forced to sell my assets! They are my retirement. If I'm forced to sell my bitcoin I will lose all my equity and never be able to recover. I do not wish to sell my stock or my XXXX. I would like to be given a chance to move them to another platform. That's all I'm asking. To be able to move my assets as I see fit. Not be forced to sell them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to find I had been the victim of identify theft I do not recognize this account please remove this from my credit report they are hurting my ability to obtain credit.

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 2025-05-29 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 XXXX USC XXXX. 

XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXc. ( 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. 

XXXX U.S.C. XXXXs-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