vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed b

y 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 2. The photo identification I must have provided at the time of starting servi
ces with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-05-25 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed b

y 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 2. The photo identification I must have provided at the time of starting servi
ces with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I am tired of disputing information on my credit report and not receiving a reply back/and or the credit reporting agency like Transunion, Experian, and Equifax, will fraudulently update the information as current without showing how they reported and verified the information, i show and been disputing fraudulent addresses, employment, collection companies, that show accounts like medical with is illegal to report, charge offs showing balances that are fraudulent reporting, student loans XXXX XXXX XXXX showing i attended school in XXXX i didn't it also shows charged off with a balance with by law this account was reported on there taxes and was written off there is no possible way to show a balance on a charged off account? that doesn't make any sense, I'm showing hard inquires i don't recognize, and bankruptcy that is not mine nor does the courts comply with credit reporting agencies to allow them to report that information its a breach of privacy, i want all information removed from my credit report within 4 days, i have attached a ID THEFT REPORT, i am attaching and i am also submitting this information to the BETTER BUSINESS BUREAU, and the ATTORNEY GENERAL, and a copy is going to my attorney if this is not removed from my credit report in 4 days, thanks for your time and consideration in this serious matter.

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 2025-05-25 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: NE

Complaint narrative:
I am tired of disputing information on my credit report and not receiving a reply back/and or the credit reporting agency like Transunion, Experian, and Equifax, will fraudulently update the information as current without showing how they reported and verified the information, i show and been disputing fraudulent addresses, employment, collection companies, that show accounts like medical with is illegal to report, charge offs showing balances that are fraudulent reporting, student loans XXXX XXXX XXXX showing i attended school in XXXX i didn't it also shows charged off with a balance with by law this account was reported on there taxes and was written off there is no possible way to show a balance on a charged off account? that doesn't make any sense, I'm showing hard inquires i don't recognize, and bankruptcy that is not mine nor does the courts comply with credit reporting agencies to allow them to report that information its a breach of privacy, i want all information removed from my credit report within 4 days, i have attached a ID THEFT REPORT, i am attaching and i am also submitting this information to the BETTER BUSINESS BUREAU, and the ATTORNEY GENERAL, and a copy is going to my attorney if this is not removed from my credit report in 4 days, thanks for your time and consideration in this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ; XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : 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 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Pollack & Rosen, P.A.
State: NY

Complaint narrative:
I Recently Received a Mail/Noticed from XXXX XXXX XXXX XXXX Consumer protection Attorneys Defending Consumers in New York and New Jersey XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /POLLACK AND ROSEN P.A Filed a Lawsuit against me stating I owed the {$11000.00}. 

That index # XXXX in XXXX XXXX Supreme Court . I Never Done Business with this Company whatsoever. And they Kept Calling my phone ( Robo calls ) Falsely claiming to be a law firm and Threatening me to take legal Actions. and Emailing me stating I owed an Alleged Debt. XXXX XXXX XXXX  Has a lengthy involvement in multiple Lawsuits and allegations Related to Deceptive Debt collection.I would like XXXX XXXX XXXX to CEASE AN DESIST all communications with me through any and all Mediums.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV FUNDING LLC/ is charging me {$640.00} dollars in debt and XXXX XXXX XXXX XXXX is charging me {$240.00} dollars I never contacted these companies for nothing never got a credit card from them neither a loan please help me fix this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: TX

Complaint narrative:
Ive been reviewing my Experian credit report and found two accounts with serious inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) : This account is reporting late payments that I do not believe are valid. I never received any formal notice of delinquency, and I was not presented with any billing statements or communication outlining missed payments. I initiated a dispute with Experian, but the results came back verified with no actual evidence or documentation shown to me. Under FCRA 611, Experian is obligated to conduct a reasonable investigation and remove any unverifiable information. This was not done, and my credit score is being unfairly impacted. 

XXXX  XXXX  ( Acct # XXXX ) : This account is unfamiliar to me. I have no recollection of opening or using a credit account with XXXX XXXX. I submitted disputes and requested documentation to verify the origin of the account. Experian failed to provide any validation such as a signed agreement or usage history to prove it is mine. This violates FCRA 609 ( a ) ( 1 ), which grants consumers the right to know the source and nature of the information on their reports. If this account can not be validated, it should be removed immediately.

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 2025-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by Silence, Engelhardt vs Gravens Mo 281 SW 715, 719. I may presume, that no proof of the alleged debt, nor therefore any such debt, in fact exist

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX continues to be on my credit file. I have disputed this information and account numerous times. I have provide the bureaus with documentation. This account is not serviced by the original holder. I was not provided no documentation. No assignment contract or information provided. The payments I made not reported in the history. Account information is inaccurate and violates the FCRA.

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 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX inaction violates federal law and my rights as a consumer.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I took out an installment loan through Uplift / Upgrade for XXXX XXXX XXXX flight ( Loan ID : XXXX, Travel Date : XX/XX/2025 ). The total loan amount was {$380.00}. I paid off the loan in full on XX/XX/2025. 

Despite this, my credit report from XXXX XXXXill shows the account as open with an unpaid balance of {$320.00}. This is inaccurate and negatively affects my credit profile. 

I contacted the company to request an update, but they have not corrected the information. I also asked for a confirmation of loan closure and reporting update, but received no response. 

I am requesting that Uplift correct the information reported XXXX XXXX and update the loan status to Paid in Full and Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was using a direct transfer from my bank account to the credit card company to pay my bill. I typed in the wrong bank routing number to pay Capital One. They locked up my account for using a bad routing number. Capital One wants a bank account statement to reopen my account ( credit card ). The routing number is bad so there is no account, or statement that corresponds. A statement doesn't exist for a routing number that doesn't exist. 

I have explained this numerous of times to various Capital One agents to no avail. The only thing they will accept is a bank statement that doesn't exist. 

What recourse do I have?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXX insurance declared my vehicle a total loss valued at approximately {$12000.00}. My vehicle was financed with Navy Federal Credit Union ( NFCU ) for approximately {$23000.00}. At the time of the accident I held XXXX XXXX  with NFCU. The terms of the XXXX XXXXXXXX  states that it covers 150 % of the value of the vehicle which is {$12000.00}. In my estimation 150 % of {$12000.00} is approximately {$17000.00} that XXXXXXXX XXXX should put towards the {$23000.00} outstanding balance covering the XXXX  between what XXXX XXXX paid and balance owed. In other words $ XXXX {$17000.00} = {$29000.00} more than enough to pay off the loan of {$23000.00}, But this is not what NFCU did. NFCU did not honor the XXXX cover of 150 % of the value of the vehicle as stated in the contract. NFCU is taking credit for what XXXX XXXX paid and factoring the {$12000.00} into the 150 % they were suppose to payI think this is wrong and in violation of the terms of the agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I requested the credit bureaus and data furnishers to : Validate and investigate the accuracy of negative accounts reported, including XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and others. 
Provide documentation proving the legitimacy of these accounts, such as original signed contracts, payment history, and proof they have the right to collect. 
Remove or correct any unverifiable, inaccurate, or outdated negative accounts, especially those impacted by my status as a victim of the Equifax and Experian data breaches. 
Remove outdated personal information, including old addresses and employers no longer accurate. 
Provide written confirmation of investigation results and corrections made. 
In early 2025, I submitted dispute letters to Equifax and Experian requesting validation and removal of these accounts. Despite my efforts, many of these accounts remain on my credit reports. Some accounts were marked 'resolved by data furnisher ' without providing the requested documentation or removing the negative entries. As a confirmed victim of both the Equifax and Experian data breaches, I am particularly concerned that some of this information may be the result of compromised data. 

I requested that all unverifiable, inaccurate, or outdated accounts be deleted and that I receive written confirmation of the results. As of now, I have not received a satisfactory resolution or confirmation, which is why I am filing this complaint.

Company response to consumer: Closed with non-monetary relief