vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: MI

Complaint narrative:
I am a victim of identity theft. Multiple fraudulent accounts and unauthorized credit inquiries were added to my credit reports without my knowledge or consent. I submitted a formal dispute letter, a notarized identity theft affidavit, and an official FTC Identity Theft Report ( Report # : XXXX ) to TransUnion and other credit reporting agencies, requesting a block and removal of this fraudulent information under FCRA 605B. 

The fraudulent accounts include but are not limited to : XXXX XXXX ( XXXX # XXXX, XXXX, etc. ) XXXX ( XXXX # XXXX, XXXX, etc. ) XXXX XXXX XXXX ( multiple accounts totaling over {$17000.00} ) XXXX ( XXXX # XXXX ) Numerous auto-related hard inquiries and inaccurate personal/employment data. 
Despite submitting all required documents, including proof of identity, identity theft report, and a list of fraudulent items, these items have not been blocked or removed in accordance with FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ). This has caused me significant financial and emotional distress.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against TransUnion, LLC, Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX for failure to investigate and respond to my dispute regarding an erroneous student loan account on my credit file. 
On XX/XX/XXXX, TransUnion received a certified letter from me disputing and requesting deletion of student loan account # XXXX. The basis of my request was the dissolution of the Department of Education under Donald Trump 's administration and the subsequent unauthorized sharing of information that led to inaccurate and unverifiable reporting of this debt. 
As of todays date, TransUnion has failed to provide a response, conduct a reasonable investigation, or delete the account. This is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to : Conduct a reasonable reinvestigation of disputed information within 30 days of receipt, Delete or correct any inaccurate, incomplete, or unverifiable information, and Notify the consumer of the results of the reinvestigation.

TransUnions failure to respond is also a violation of FCRA 1681i ( a ) ( 6 ), which requires them to report the results of the reinvestigation within five business days after completion. 
Furthermore, by continuing to report this student loan account without verifying its accuracy, TransUnion may also be violating FCRA 1681e ( b ), which mandates that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy. 
Due to these failures, I am requesting that the CFPB take immediate action to investigate TransUnions conduct and compel them to : 1. Delete account # XXXX from my credit file, 2. Provide written confirmation of the deletion, and 3. Cease any further reporting of unverifiable or obsolete student loan data tied to this dissolved federal entity. 
I have attached proof of certified delivery, dated XX/XX/XXXX, for your review. 
Thank you for your assistance in this matter. 
Sincerely, 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 2025-06-21 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: NV

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.

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 non-monetary relief
Consumer complaint received 2025-06-21 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: NV

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I enrolled in automatic bill pay with Capital One and upon reviewing my credit report, I discovered that they marked my account delinquent XXXX days late in XXXX XXXX XXXX days late in XXXX XXXX, XXXX days late XX/XX/year>, and XXXX days late XX/XX/year>. Automatic bill pay allows the company to take the minimum payment out on the given due date. However, this mishap on behalf of Capital One and the derogatory information being reported to the major credit repositories if destroying my reputation and hindering my ability to borrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This is a new and separate dispute, not a duplicate, and is being filed based on newly discovered information as of XX/XX/year>. I am formally disputing the continued reporting of a closed collection account from LVNV Funding LLC ( account number ending in XXXX XXXX XXXX, as shown on my XXXX credit report with a balance of {$1000.00}. This is a clear case of identity theft or fraud. I never opened or authorized this account, and I have no knowledge of any relationship with this debt buyer or the original creditor. Despite my prior dispute efforts, LVNV Funding LLC and Resurgent Capital Services have failed to produce any legally required documentation, including a signed credit application, original account agreement, or transaction history, to prove that this debt is mine. The only materials ever provided consist of generic statements and boilerplate disclosures, which do not satisfy the validation requirements under FCRA 609 ( a ) ( 1 ). 
I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 602A ( 4 ), 609 ( e ), 611 ( f ), and 611 ( a ) ( 5 ) ( A ), to dispute this account as the result of unauthorized activity or identity theft, even without submitting a police report, which is not required by law. Additionally, this tradeline contains XXXX XXXX compliance violations. The account is marked as both Closed and showing an active balance of {$1000.00}, a contradiction that violates FCRA 607 ( b ), which requires all furnished data to be accurate and complete. Narrative codes 166 and 057 are vague, and no supporting information has been provided to explain the origin or legal enforceability of this debt. 
Because no contract with my signature, proof of consumer authorization, or method of verification has been presented, the continued reporting of this account is unlawful. Under FCRA 611 ( a ) ( 5 ) ( A ), I demand its immediate and permanent deletion from my credit file. I also request written confirmation of deletion or, if retained, full disclosure of the original signed documentation and the verification method used to justify its reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: PA

Complaint narrative:
On XX/XX/XXXX, a charge of {$31.00} was made to my Cash App account for a purchase from XXXX. I never received any confirmation of the order, and when I contacted the merchant, they stated multiple times ( on XX/XX/XXXX and XX/XX/XXXX ) that my payment did not go through. 

I provided the merchant with proof of payment, including a screenshot of the completed Cash App transaction, which clearly shows that {$31.00} was charged to my account at XXXX XXXX on XX/XX/XXXX. Despite this, they continue to insist that the order was never received or processed, and they have not delivered any product. 

I attempted to dispute the charge through Cash App. Despite showing evidence that the merchant claims no payment was received and that I received nothing in return my dispute was denied with no valid explanation. 

I am now left having paid for something I never received, and the merchant is not acknowledging the order. I am requesting that Cash App reverse this charge and issue a refund. I am also requesting that Cash App provide all documentation or justification used to deny my dispute. 

Attached to this complaint are screenshots showing : The Cash App charge on XX/XX/XXXX ( {$31.00} at XXXX ) My emails with the merchant on XX/XX/XXXX, and XXXX confirming they did not receive my payment My repeated attempts to resolve the issue with both the merchant and Cash App

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I spoke with Westlake Financial on XX/XX/year> and made a payment of {$500.00} which took my account from XXXX to XXXX  days past due. The representative advised, on a recorded line, that the payment stops the repossession and documented that I would make another payment in two weeks. My vehicle was repossessed the next morning on XX/XX/year>. I called and spoke with a supervisor at Westlake financial on XX/XX/year> who stated, on a recorded line, that she can see that the repossession was placed on hold in the system after the payment was made and she is not sure why the vehicle was repossessed. She stated she would send it over to a manager to call me back. I never received a call back from a manager. I called everyday for the next week requesting to speak with a manager and they advised they would put in a callback request. I never received the vehicle back or a call from the manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-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 am a XXXX  of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XX/XX/XXXX {$11000.00} XXXX  XX/XX/XXXX {$500.00} XXXX XXXX XXXX XX/XX/XXXX {$260.00} XXXX  XX/XX/XXXX {$380.00} XXXX XXXX  XX/XX/XXXX {$630.00} XXXX XXXX XX/XX/XXXX {$10000.00} XXXX  XXXX XX/XX/XXXX {$470.00}

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 non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In early 2025, my federal student loans serviced by XXXX were in forbearance and under active Income-Driven Repayment ( IDR ) plan review. Despite this, XXXX reported my accounts as XXXX, XXXX, and 150 days past due on my Experian credit report for the months of XXXX through XX/XX/year>. 

In XX/XX/year>, the account was shown as current, then without warning or explanation, it jumped to 90 days delinquent in XXXX. This sudden shift is inaccurate and unjustified, particularly while my loans were in a non-repayment status protected under federal IDR review or forbearance. 

XXXX has since updated the account to reflect a {$0.00} balance and Paid in Full as of XX/XX/year>, with the last payment received on XX/XX/year>. Their own records confirm that there is no outstanding principal or accrued interest, and that my loans are fully satisfied. 

I contacted XXXX to request clarification and received a statement acknowledging the loans were delinquent, but claimed they do not report delinquencies until 90 days past due. This explanation does not align with the fact that the loans were in review, non-active status, and later paid in full. The Experian credit report still reflects severe delinquency despite the resolution of the loans and no active obligation on my part during that timeframe. 

I have disputed this multiple times with Experian and received no correction. These negative entries are significantly damaging my XXXX XXXX and do not reflect the current or historical status of the account. 

I am requesting : Immediate removal of the XXXX, XXXX, and XXXX late payment notations A full correction of the payment history And the complete removal of these student loan tradelines from all credit reporting agencies, as the loans are paid in full, closed, and were reported inaccurately during the time of XXXX XXXX I have attached supporting documentation including screenshots of XXXX XXXX showing Paid in Full, a {$0.00} balance, the last payment, and their written explanation of the reporting timeline.

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 2025-06-21 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: 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.

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 2025-06-21 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: IL

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing several unauthorized accounts and inquiries currently listed on my credit report. I am requesting the immediate blocking and removal of these items in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), as they are the result of identity theft. 

Unfortunately, I have become a victim of identity theft. I did not open or authorize the following accounts or inquiries, nor did I approve any transactions associated with them. These fraudulent entries are negatively impacting my credit profile and financial integrity. 


Fraudulent Accounts to Be Blocked Creditor Name Account Number Date Opened Amount Owed Status XXXX XXXX XXXX XXXXXX/XX/XXXX {$660.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$3600.00} XXXX XXXX XXXXXXXX XXXX {$1000.00}. XXXX XXXX  days past due XXXX XXXXXX/XX/XXXX. {$1600.00} Late XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. {$210.00}. XXXX XXXX XX/XX/XXXX. {$0.00}. Closed or paid account/zero balance XXXX XXXX Documentation Included : XXXX. A copy of my government-issued ID ( drivers license ). 
XXXX. A signed copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). 
XXXX. A copy of the police report documenting the identity theft incident. 

Relevant Background on Data Breaches My personally identifiable information ( PII ) may have been compromised during XXXX or more of the following data breaches, which have affected millions of consumers : Equifax ( XXXX ) : Exposed SSNs, birthdates, and credit information of XXXX XXXX individuals. 
XXXXXXXX XXXX XXXX ( XXXX ) : Compromised drivers license and SSNs of over XXXX XXXX applicants. 
XXXX  XXXX ( XXXX ) : Included personal and financial data of XXXX XXXX individuals. 

These breaches likely contributed to the unauthorized use of my identity and the fraudulent activity on my credit file. 


Request for Immediate Action Under FCRA Section 605B, you are required to block these fraudulent accounts and inquiries from my credit report within XXXX ( XXXX ) business days of receiving this request and the supporting documentation. Additionally, please notify the creditors listed above that the disputed items were the result of identity theft and should no longer be pursued or reported. 

Please send written confirmation once the removal and blocking have been completed. If you need additional information, I am reachable at the contact information provided above. 

Thank you for your time and immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: TX

Complaint narrative:
I disputed the XXXX XXXX account on my Equifax credit file multiple times and submitted documentation demanding proof of the debt and a full investigation under the FCRA. Instead of validating the debt, Equifax simply stated that the item belongs to me and made unrelated changes to the reporting including quietly removing the charged-off remark and marking it as verified without any proof. 

I uploaded documentation through the Equifax dispute portal and referenced that I was requesting verification of the debt, not just basic identification. As of XX/XX/year>, the account is still being reported, yet Equifax refuses to provide any legal documentation or true validation from the furnisher. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires a reasonable investigation and verification of accuracy and completeness, not just confirmation that my name is attached. 

Equifaxs response included vague boilerplate language and did not address my actual dispute. If the debt can not be verified and Equifax can not produce documented proof from the furnisher, the account should be immediately removed from my file.

I am demanding a full deletion of this account from my Equifax report and requesting that CFPB investigate Equifaxs repeated failure to follow federal law and their pattern of disregarding proper dispute procedures. This behavior is misleading, negligent, and abusive under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief