vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 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: MD

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

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 non-monetary relief
Consumer complaint received 2025-06-15 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: CA

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : NXXXX 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 XXXXXX/XX/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 2025-06-15 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: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: CA

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below 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 non-monetary relief
Consumer complaint received 2025-06-15 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: CA

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 2025-06-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: PA

Complaint narrative:
Out of nowhere, my cash app account was closed and I reached out trying to figure out what was going on because I assumed that it was a mistake because I rarely get any type of trouble! They stated that I went against some type of terms or something to that nature and I sincerely didnt understand why so I asked for them to specify what kind of terms I went against. They will not provide me with the terms that I went against or any other type of proof that I was asking for and it has been almost a year and Im still not getting any answers and Im still not able to try to create account over because I didnt owe them any money or anything to that nature my accounts other bank accounts was linked to this account whereas I will send and receive money to and from my cashapp account so I sincerely dont understand what the problem is and I really need help! I know that it was a lot of other people complaining about Cashapp, but I never took it into consideration, because I never put myself in harms way but now that is happening to me I I can sincerely see what everyone else was complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Consumer Portfolio Services, Inc.
State: LA

Complaint narrative:
I lease a XXXX XXXX XXXX in XX/XX/XXXX XXXX  Consumer portfolio for {$12000.00} for XXXX  the price I was paying for the XXXX XXXX  consumer portfolio was {$380.00} a month and the car note never went down. I surrender the car XX/XX/XXXX and they say I still owe {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: WA

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXX/XX/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 2025-06-15 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: AL

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

1681c-2 ) that you, the XXXXXXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 XXXXXX/XX/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 2025-06-15 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: AL

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name 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 XXXXXX/XX/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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am disputing inaccurate and unverifiable information being reported by LVNV Funding LLC, serviced by Resurgent Capital. This account was allegedly opened on XX/XX/2024. However : The Date Opened predates any legitimate ownership or collection activity. 
The Account Type is falsely listed as Open this is a collection account.

Equifax omits the Date of First Delinquency, violating FCRA 605 ( c ).

Payment history and balance update timelines are inconsistent and suggest illegal re-aging.

LVNV has failed to mark the account as disputed, violating FCRA 623 ( a ) ( 3 ), even after I sent them a formal written dispute letter. 
No contract or signed documentation has been provided, and I have no record of ever owing this debt. 
These reporting errors appear across XXXXXXXX XXXX XXXX XXXX damaging my credit standing and violating my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate personal information being reported in my consumer credit file. Upon reviewing my credit report, I discovered that both my name and address are being reported incorrectly. 

Correct Information : Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Incorrect Information : Any variation of my name other than XXXX XXXX and any address other than XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX is inaccurate and unauthorized. These errors are damaging and misleading and must be deleted from my consumer file immediately. 

I am requesting that you : 1. Remove all incorrect variations of my name ; 2. Remove all incorrect and outdated addresses ; 3. Confirm in writing once these corrections have been completed. 

I have enclosed a copy of my government-issued ID and proof of address to verify my identity and support my claim. 

If this inaccurate information is not removed from my credit file within the time required under the Fair Credit Reporting Act ( FCRA ), I will have no choice but to take legal action against your agency for failure to correct and maintain accurate consumer reporting data as required by federal law. 

Please consider this a formal dispute under the FCRA. I expect a written response within 30 days as mandated 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 2025-06-15 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: GA

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-06-15 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: GA

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Complaint Regarding Inaccurate Credit Reporting by Capital One Dear CFPB, I am writing to file a formal complaint against Capital One regarding the inaccurate reporting of my account on my credit reports from XXXX XXXX and XXXX It has come to my attention that the same account has been reported five times across these bureaus, which is misleading and damaging to my credit profile. The most recent entry indicates a charge-off, which is completely false, as my account is in good standing and has been paid off. 

Out of the five times this account has been reported, it is clear that none of the entries indicate that the account is late or in default. This repeated and erroneous reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, which mandates that furnishers of information must provide accurate information to credit reporting agencies. Furthermore, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information and require that it be investigated and corrected. 

I have attempted to resolve this issue directly with Capital One, but I have not received a satisfactory response. Therefore, I am seeking your assistance in addressing this matter. I request that you investigate this issue and take appropriate action against Capital One for their inaccurate reporting practices. Failure to comply with the FCRA can result in significant penalties, including statutory damages and attorney fees. 

I have enclosed copies of my credit reports from XXXX XXXX and XXXX highlighting the inaccuracies for your reference. I appreciate your attention to this serious issue and look forward to your prompt response. 

Thank you for your assistance. 



Enclosures : Copies of Credit Reports from XXXX XXXX and XXXX XXXX XXXX This version includes specific references to the Fair Credit Reporting Act, which should underscore the

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate personal information being reported in my consumer credit file. Upon reviewing my credit report, I discovered that both my name and address are being reported incorrectly. 

Correct Information : Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Incorrect Information : Any variation of my name other than XXXX XXXX and any address other than XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX is inaccurate and unauthorized. These errors are damaging and misleading and must be deleted from my consumer file immediately. 

I am requesting that you : 1. Remove all incorrect variations of my name ; 2. Remove all incorrect and outdated addresses ; 3. Confirm in writing once these corrections have been completed. 

I have enclosed a copy of my government-issued ID and proof of address to verify my identity and support my claim. 

If this inaccurate information is not removed from my credit file within the time required under the Fair Credit Reporting Act ( FCRA ), I will have no choice but to take legal action against your agency for failure to correct and maintain accurate consumer reporting data as required by federal law. 

Please consider this a formal dispute under the FCRA. I expect a written response within 30 days as mandated by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate personal information being reported in my consumer credit file. Upon reviewing my credit report, I discovered that both my name and address are being reported incorrectly. 

Correct Information : Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Incorrect Information : Any variation of my name other than XXXX XXXX and any address other than XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX is inaccurate and unauthorized. These errors are damaging and misleading and must be deleted from my consumer file immediately. 

I am requesting that you : 1. Remove all incorrect variations of my name ; 2. Remove all incorrect and outdated addresses ; 3. Confirm in writing once these corrections have been completed. 

I have enclosed a copy of my government-issued ID and proof of address to verify my identity and support my claim. 

If this inaccurate information is not removed from my credit file within the time required under the Fair Credit Reporting Act ( FCRA ), I will have no choice but to take legal action against your agency for failure to correct and maintain accurate consumer reporting data as required by federal law. 

Please consider this a formal dispute under the FCRA. I expect a written response within 30 days as mandated 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