vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Michael Lupolover
State: NC

Complaint narrative:
On XX/XX/XXXX I signed an agreement with XXXX XXXX for a merchant cash advance loan. I quickly changed my mind and reached out to them via telephone ( no answer ) I then followed up via email requesting that the loan be cancelled. I did not receive a email from XXXX stating that they cancelled the loan or disbursed the funds so I was under the impression that the loan was cancelled until I received a call from XXXX stating that my payment was not successful ( they tried to debit the XXXX $ back from my account that they sent ) and that I had no knowledge of. The funds were taken because XXXX sent the money to my account that was overdrawn so the funds were taken to cover the overdraft. I decided to set up a payment arrangement with XXXX a account XXXX with XXXX, because I read the reviews of lawsuits and XXXX XXXX and I asked her if I could pay back only what was sent to me because I tried to cancel the loan and she said that was not an option. She proceeded to give me this absurd amount to settle the account. I paid XXXX $ toward this loan and promptly stop making payments because I tried to cancel, the fees were ridiculous, and I could not afford to keep up with the payments ( my business is not generating income ) I tried to explain this to Fundo staff but they did not care. They called me continuously and emailed me threatening me with a XXXX XXXX and to contact all payment processing systems to have my funds rerouted to XXXX. I even requested that they stop contacting me but the emails, calls, and text continued with threats of a XXXX XXXX and contacting all payment processors to have funds rerouted to XXXX. XXXX Finally had their Lawyer XXXX XXXX from Lupalover Law Firm reach out to me demanding over XXXX $ on a XXXX $ loan that I tried to cancel ( it was XXXX $ but they took XXXX $ for some fee ). Lupalover Law firm is owned by Michael Lupalover who is also listed as the XXXX XXXX for XXXX. XXXXichael Lupalover 's position as a directing XXXX for XXXX XXXX, coupled with a lawyer from his firm pursuing legal action against me on behalf of XXXX, constitutes a conflict of interest or unfair practice. This arrangement creates an undue power imbalance, or it blurs the lines between debt collection and legal representation in a way that is detrimental to consumers. Please look into this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATIONAL is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
This company XXXX XXXX refuses to abide by the law they are unable to verify these accounts thereby being illegal yet after numerous attempts there yet to correct these errors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
This company XXXX XXXX refuses to abide by the law they are unable to verify these accounts thereby being illegal yet after numerous attempts there yet to correct these errors

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 2025-10-22 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 ask that the erroneous late payment be promptly corrected and removed, as my payment history has always been perfect. This issue has caused me significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: IL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I noticed I was being charged a monthly fee. I contacted Synchrony card company. I have a XXXX interest loan on a Synchrony card for a home improvement project completed by XXXX. The loan documents were created by XXXX but somewhere in agreeing to a XXXX XXXX loan I was enrolled in a " card security program. '' I was unaware of this. I would never have agreed to this. I have easy access to loans and I never would have agreed to pay over {$150.00}. a month for " card security. '' This is a deceptive practice on the part of Synchrony or XXXX because this program enrollment option was NEVER presented to me. I am not sure which company enrolled me.

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 monetary relief
Consumer complaint received 2025-10-22 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:
Please remove this inquiry at once, as it was made without my permission, and I am not associated with the parties listed.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-10-22 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-22 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: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX 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 2025-10-22 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XXXX XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX  Date : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian, Equifax and Transunion XXXX XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8900.00} XX/XX/XXXX XXXX CARD XXXX {$7200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX CARD XXXX Limit {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$16000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX {$3200.00} XX/XX/XXXX XXXX CARD XXXX {$18000.00} XX/XX/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 non-monetary relief
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian, Equifax and Transunion XXXX XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8900.00} XX/XX/XXXX XXXX CARD XXXX {$7200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX CARD XXXX Limit {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$16000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX {$3200.00} XX/XX/XXXX XXXX CARD XXXX {$18000.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: NJ

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 FRAUDULENT INQUIRIES : XXXX XXXX XXXX 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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: IL

Complaint narrative:
On or around XX/XX/XXXX, my account was closed by cash app randomly stating that they suspected fraud. I never got any notice and had to call Cash App to obtain this information. I had {$1500.00} sitting in my Cash App when it was closed and I never got an email or calling stating how to retrieve my funds from the account. I called Cash App again, they transferred me to another person and they referred me to a link I can use to get my money taken off the account and transferred to another bank. I didnt have a Cash App card so taking it out in cash at the atm wasnt an option. I followed the steps of the link they sent and still never received my money. I then got an email stating I was under investigation and when they suspect fraud I have to be reported. Ive had Cash App for years and have never had any issues until then. As of today, XX/XX/XXXX, I still have not received my money nor have heard anything from Cash App. My Cash App tag was XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: OH

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Employer - XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Employer - XXXX  Employer - SSI Listed below are the Collections that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Collection Account Opened While Underage ( Request for Investigation Under FCRA 611 ) Dear Credit Bureau Representative, I am submitting this letter to formally dispute the accuracy and validity of a collection account currently appearing on my credit report. This account was allegedly opened and used when I was under the legal age of XXXX, meaning I was not legally capable of entering into a credit agreement. As such, this account and any resulting collection activity are void and unenforceable under federal and state contract laws. 

Account Information ( as listed on my credit report ) : Creditor/Collection Agency Name : LVNV FUNDING LLC Reported Balance : {$810.00} Date Opened/Reported : XX/XX/XXXX Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting a full reinvestigation of this account. Please verify : The exact date the original account was opened. 

The date of birth used on the credit application. 

Any documentation the furnisher used to verify that I was of legal age at the time of account opening. 

The collection agencys legal authority to report or collect this debt if the original agreement was invalid from inception. 

If your reinvestigation determines that the account can not be fully verified with original documentation confirming my legal eligibility at the time, the Fair Credit Reporting Act requires that the account be immediately deleted from my credit report. 

Please provide a written summary of the results of your investigation, including the name and contact information of the party that verified the disputed data. I expect a response within 30 days of your receipt of this letter, as required under federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/scrub>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