vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: AR

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Credit reporting agencies inaccurately listed accounts as delinquent during a period of medical incapacity. From approximately XX/XX/scrub>XXXX XXXX XXXXXX/XX/year>, the individual was unable to work XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as confirmed by multiple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite submitting disputes to correct the reporting, the agencies failed to update account statuses to reflect the medical hardship. This resulted in erroneous delinquency notices that negatively impacted the credit score.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV FUNDING LLC Opened XXXX XXXX {$3500.00} Company sued and the action was dismissed do to ( Failure To Prosecute ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
Dear TransUnion 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 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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: MN

Complaint narrative:
Reevaluation Request Letter Fraud Dispute & New Evidence Date : [ Todays Date ] To : XXXX Dispute Department / Processing Center XXXX XXXX XXXX XXXX XXXX XXXX  Fax : XXXX Subject : Formal Request for Reevaluation of Fraud Dispute New Evidence of Data Breach & Identity Theft Dear XXXX Dispute Department, I am writing to formally request a reevaluation of my fraud dispute originally filed on XX/XX/XXXX, concerning unauthorized transactions totaling {$540.00} on my XXXX checking account.

Since receiving your decision stating that no error has occurred, I have obtained new, material evidence showing that my personal information was compromised in multiple confirmed data breaches, including : 1. A TransUnion breach notification letter verifying that my Social Security number and date of birth were exposed, and 2. Publicly available information confirming that XXXXXXXX XXXX XXXX XXXXXXXX partner banksuffered a cybersecurity incident in XXXX, resulting in exposure of sensitive customer data. 
XXXX has acknowledged this breach and entered into an {$11.00} XXXX class-action settlement to resolve related claims ( see evolvesettlement.com ). 
Given this new evidence, it is clear that these unauthorized transactions were the result of identity theft rather than authorized activity by me. Under Regulation E of the Electronic Fund Transfer Act, I am requesting that you reopen and reinvestigate my dispute.

Please also provide, as permitted under Regulation E, copies of all documentation and data used in your prior decision, including : - Device IDs, IP addresses, and timestamps for the authenticated logins referenced in your findings, and - Any internal communications or third-party verification logs supporting your conclusion. 
I have attached the following supporting materials for your review : - Copy of the TransUnion breach notice ; - A link and reference to the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and - My forthcoming FTC Identity Theft Report and Affidavit ( to be submitted via IdentityTheft.gov ).

Because these developments constitute new evidence, I respectfully request confirmation that my case has been reopened for reevaluation. If no response is received within 10 business days, I will escalate my complaint to the Consumer Financial Protection Bureau and other appropriate regulatory bodies. 
Thank you for your prompt attention to this serious matter. I look forward to your written acknowledgment that the reinvestigation is underway. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : XXXX Email : XXXX Attachments XXXX XXXX XXXX  Data Breach Letter ( PDF or screenshot ) - Copy of this Letter - FTC Identity Theft Report ( to follow

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I INFORMED NATIONAL CREDIT SYSTEM, CFPB, AND ALL 3 NATIONAL BUREAUS THAT THIS ACCOUNT WAS OPENED FRAUDULENT. THIS IS NOT MY ACCOUNT NOR DID I GIVE CONSENT FOR THIS ACCOUNT TO BE OPENED IN MY NAME. I HAVE PROVIDED MY FTC ( FEDERAL TRADE COMMISSION ) REPORT CERTIFYING THAT I AM A VICTIM OXXXX XXXX XXXX  DATA BREACH THAT EXPOSED AND COMPROMISED MY SOCIAL SECURITY NUMBER, NAME, ADDRESSES, EMAIL, DOB, MOTHERS MAIDEN NAME, EMPLOYER, ETC. DUE TO MULTIPLE ONGOING DATA BREACHES THAT CONTINUE EXPOSED MY PERSONAL INFORMATION WITHOUT MY CONSENT. I HAVE CONTACTED THE SOCIAL SECURITY OFFICE AS WELL TO REPORT THAT MY SOCIAL SECURITY NUMBER HAS BEEN USED TO COMMIT FRAUD. 
NATIONAL CREDIT SYSTEM 51393 * * Condition Derogatory Responsibility Individual Current Balance {$3800.00} Original Balance {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: CA

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 explanation
Consumer complaint received 2025-10-16 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: Block, Inc.
State: TX

Complaint narrative:
On XXXX the XXXX of the yeaXXXX XXXX, I sent my roommate a partial amount of the total of our bills as to pay my share, due to the bills being in his name. I title any transaction with friends something nonsensical because they know what its really for, and we consider it a funny joke amongst us. However, because this one was titled XXXX, the automated system at cash app assumed that I was violating some rule of US economic sanctions, and thus froze my account. I am unable to access my paycheck or transfer/deposit any money into the account currently the account sits at nearly {$200.00} of my own money and for the past month, a {$300.00} payment to my roommate has been pending as a result of this we have had our power cut for over a week with no air conditioning or electricity in the middle of summer. This has sent us back financially as we are trying to recoup our losses as well as been a tremendous source of annoyance. Over nine times I have been in contact with customer support and they have told me less than nothing. Only assuring me that my case is in progress and that they have no means of contact except for email for any managers or people who could actually help with my problem. However, with it being as long as it has and getting the same rehearsed lines over and over again, I am seeing no true progress and Im feeling as though I am being scammed because Ive been able to talk to no one able to fix my issue and this is beyond unacceptable. Below i have attached all physical evidence if correspondence between me and the company as well as screenshots of our bills my roommate sent, which the payment in question was meant for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter earlier about the errors and unknown items on my credit report, but I haven't heard back in over 30 days. It feels like my disputes are being ignored, and I'm starting to feel taken advantage of. According to Section 611 ( a ), if these items aren't investigated within 30 days, they should be removed from my credit report immediately. I expect these accounts to be updated right away since the deadline has passed. If that doesn't happen, I might have to consider legal action because this situation has really stressed me out. Plus, my info was affected by the Equifax, Experian, and Transunion data breach, which makes me worry about my personal data 's security.

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 2025-10-16 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: FL

Complaint narrative:
I sent a letter earlier about the errors and unknown items on my credit report, but I haven't heard back in over 30 days. It feels like my disputes are being ignored, and I'm starting to feel taken advantage of. According to Section 611 ( a ), if these items aren't investigated within 30 days, they should be removed from my credit report immediately. I expect these accounts to be updated right away since the deadline has passed. If that doesn't happen, I might have to consider legal action because this situation has really stressed me out. Plus, my info was affected by the Equifax, Experian, and Transunion data breach, which makes me worry about my personal data 's security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Public Record - U.S. Bankruptcy XXXX - XX/XX/XXXX Public Record - U.S. Bankruptcy XXXX - XX/XX/XXXX Public Record - U.S. Bankruptcy XXXX - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: NC

Complaint narrative:
I need to emphasize that this complaint is not a mistake. My credit report contains clear inaccuracies that fall short of the required standard of maximum possible accuracy. These errors are causing significant and ongoing harm, both emotionally and financially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
am filing this complaint against LVNV Funding, LLC regarding an account originally from XXXX XXXX XXXX  for approximately {$390.00}. 

A third-party collector, XXXX XXXX XXXX XXXX was previously collecting on LVNVs behalf. I made several payments to XXXX in XXXX, but later called to verify the account and was told verbally that XXXX no longer manages my account and that it was sent back to LVNV.

However, I was never provided any written communication confirming that transfer of ownership or servicing. Despite that, LVNV continues to report the account on my credit report without ever sending proper debt validation or documentation proving they currently own and are authorized to collect this debt. 

Because there is no written proof of transfer or validation, and I have received conflicting information from XXXX and LVNV, I believe the current credit reporting is inaccurate and violates both the FDCPA and FCRA. 

I am requesting that this account be deleted from all consumer credit reports and that LVNV provide written confirmation of ownership and validation if they intend to continue collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against LVNV Funding LLC for inaccurate and duplicate reporting of the same alleged debt across multiple bureaus. 
It has been well over XXXX  days since validation was requested, yet no documentation has been provided. The account shows different dates of activity, balances, and payment status codes between XXXX XXXX XXXX, violating FCRA 623 ( a ) and Metro-2 factual accuracy guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: NY

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-16 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:
THIS ACCOUNT WAS FRAUDULENTLY CREATED USING MY INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
XX/XX/XXXX, I received an alert from Experian about a collection from XXXX XXXX. 
Original creditor EMERGENCY RESOURCES GROUP Date opened XX/XX/XXXX NEVER HEARD OF THIS PLACE I submitted a disputed stating " I HAVE NO KNOWLEDGE OF THIS ACCOUNT '' Dispute results complete/ready XX/XX/XXXX, XXXX no update. 

I have not received any emergency services in XXXX. 
This in NOT my debt. 

Account info Account name XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$940.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$940.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$940.00} Highest balance - Terms 1 Month On record until XX/XX/XXXX Historical info Original creditor EMERGENCY RESOURCES GROUP Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Your statement I HAVE NO KNOWLEDGE OF THIS ACCOUNT. 

Comment Current : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Previous : None Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Get Financed LLC
State: FL

Complaint narrative:
I NEED TO BLOCK AND REMOVE THIS ITEMS : Account : XXXX. GET FINANCED LLC Account Number : XXXX Date : XX/XX/year> Balance : {$5800.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: OR

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief