vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: FISERV FINXACT CORE
State: IL

Complaint narrative:
I can not get fiserv to close my account. I have sent them all the requested documents. They do not respond. Using your help is the only way I have made any progess with them so I am desperately trying again. Now they are charging me a {$25.00} no activity fee. I suspect it is a ploy to take me and my company to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: GA

Complaint narrative:
Subject : Formal Complaint Regarding Unverified, Inaccurate and Inconsistent Charge-Off Reporting. 

Dear CFPB Officer, I am writing to file a formal complaint and request an immediate reinvestigation into an inaccurate and unverified charge-off being reported on my credit file by XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite multiple past attempts to resolve this issue directly with the credit bureaus and furnisher, the charge-off remains, without valid proof of its accuracy, ownership, or verifiability. This is in direct violation of multiple consumer protection laws, which I will outline below. 

FCRA 611 ( 15 U.S. Code 1681i ) I formally disputed this item and no valid verification was provided within the 30-day window. The continued reporting of this charge-off is unlawful.

FCRA 607 ( b ) ( 15 U.S. Code 1681 e ( b ) ) Credit bureaus are obligated to maintain accurate and up-to-date records. The lack of accuracy and the level of inconsistency in reporting is evident in XXXX XXXX. The credit bureaus duty is to ensure " maximum possible accuracy ''. Instead of sending an original document of the account the bureaus sent a page from an old credit report as proof. 

FCRA 609 ( a ) ( 1 ) ( 15 U.S. Code 1681g ) I requested complete information, including the original contract, itemization of the debt, and verification of ownership and a 1099-C form confirming the debt was charged-off. None was provided.

FCRA 623 ( a ) ( 1 ) ( A ) Data furnishers must not or report information they know or should know is inaccurate. Continued reporting without validation suggests reckless disregard.

FCRA 623 ( 5 ) Upon receiving my dispute, the furnisher failed to conduct a reasonable investigation or provide documentation confirming the accuracy of the charge-off. I was sent a page from a prior credit report that was also shows inconsistent and inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
My debt got moved to another company without my authorization or knowledge. They attempted to call me at XXXX XXXX while my son and I were still asleep. 

Hello, this is XXXX XXXX calling from NCB management services. Please contact me at XXXX. 

- the message they left on my phone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CO

Complaint narrative:
My personal and financial information was compromised WITHOUT my authorization. The Family Education Rights and Privacy Act, ( FERPA ), protects the confidentiality of Student Records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal and financial information, I request that you immediately cancel and discharge my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX Virginia. 
XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES , LLC Record No. XXXX Decided : XX/XX/year> Present : Judges XXXX, XXXX and XXXX Argued at XXXX, Virginia XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, on brief ), for XXXX. 
XXXX XXXXXXXX XXXX XXXX appeals the circuit court order ruling for Portfolio Recovery Associates , LLC ( PRA ) in a debt-collection action. The circuit court granted judgment to PRA in the amount of {$8900.00}. On appeal, XXXX argues that PRA did not have standing to sue, that the court erred by failing to consider her counterclaim alleging PRA violated the Fair Debt Collections Practices Act ( FDCPA ), and that by releasing her cash bond to PRA, the XXXX XXXX XXXX XXXX XXXX XXXX violated the Fourteenth Amendment and FDCPA by issuing a recognizance on XXXX 's behalf. Finding that PRA failed to prove it owned XXXX XXXX debt, we reverse the circuit court 's decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 2025-05-03 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-03 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: PA

Complaint narrative:
I have two open CFPB complaints with XXXX XXXX : XXXX and XXXX. Both complaints have had XXXX response. While they have stopped calling and leaving voicemails, they have continued their collection efforts via email, continuing to issue bills monthly, and even reaching out to my co-signer. They have emailed payment receipts and confirmations to entice me to log in to their portal. They have also begun reporting my accounts as delinquent to the credit bureaus even though I was supposed to be in a deferment period while on a break from my studies. I have now XXXX XXXX XXXX XXXX XXXX XXXX and am still being billed and contacted for payment via email, as well as my XXXX. My emails sent to their customer service are also being blocked, so I have no other recourse than to log into their portal to resolve the issue.

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 2025-05-03 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: PA

Complaint narrative:
I have two open CFPB complaints with XXXX XXXX : XXXX and XXXX. Both complaints have had XXXX response. While they have stopped calling and leaving voicemails, they have continued their collection efforts via email, continuing to issue bills monthly, and even reaching out to my co-signer. They have emailed payment receipts and confirmations to entice me to log in to their portal. They have also begun reporting my accounts as delinquent to the credit bureaus even though I was supposed to be in a deferment period while on a break from my studies. I have now XXXX XXXX XXXX XXXX XXXX XXXX and am still being billed and contacted for payment via email, as well as my XXXXXXXX. My emails sent to their customer service are also being blocked, so I have no other recourse than to log into their portal to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: PA

Complaint narrative:
I have two open CFPB complaints with XXXX XXXX : XXXX and XXXX. Both complaints have had XXXX response. While they have stopped calling and leaving voicemails, they have continued their collection efforts via email, continuing to issue bills monthly, and even reaching out to my XXXX They have emailed payment receipts and confirmations to entice me to log in to their portal. They have also begun reporting my accounts as delinquent to the credit bureaus even though I was supposed to be in a deferment period while on a break from my XXXX. I have now fXXXX XXXX XXXX XXXX XXXX XXXX and am still being billed and contacted for payment via email, as well as my XXXX  My emails sent to their customer service are also being blocked, so I have no other recourse than to log into their portal to resolve the issue.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
b'Inconsistent and inaccurate reporting on this XXXX account between the XXXX credit bureaus. XXXX has corrected and updated the report. Experian and TRansUnion have not updated the report and continue to show inaccurate information, Also the information is not reported the same across the bureaus. They All cant be right. XXXX                         TransUnion\t                      Experian\nLast UpdatedXXXX XXXX XXXX XXXX XXXX XXXX account as agreed  Paid or paying as agreed     Paid account/was 30 days past \n                                                                                      due date two or three times\nWorst Delinquency\nNone Reported\t         None Reported\t              30 days delinquent\n\nExperian and TransUnion has not updated this information since XXXX. XXXX is reporting the correct and updated information for this account'

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 2025-05-03 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: TX

Complaint narrative:
The collections for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting inaccurate data, balances, and unverified accounts on my credit reports. Ive disputed multiple times and most recent XX/XX/year>. The accounts still remain. Id like the accounts to be blocked and removed from due to the inaccuracies and the Experian and XXXX data breaches to be reassured that they wont return to my credit reports.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Again Experian with the sham investigations. I have screenshots to prove you didnt verify anything. How could the XXXX account remain unchanged after your investigation, but the balance amount is inaccurate?! The balance reported is wrong. You have a reported balance of {$4700.00} which is over the credit limit. The current balance is {$4100.00} and that was the balance before your investigation. Stop lying to consumers. I also included a screenshot of a dispute update from your website that says the XXXX account will remain unchanged. Youre reporting incorrect information! All Im asking is for you to do your job properly. Report the accurate information!

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 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: OH

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX ) and Zwicker & Associates, P.C. due to their deliberate indifference and failure to legally validate an XXXX account ending in XXXX, with an outstanding balance of {$23000.00}, which XXXX transferred to Zwicker for collections on or before XX/XX/XXXX ( XXXX XXXX, dated XX/XX/XXXX ). This account is fraudulent, part of a pattern of unauthorized accounts opened by business funding operations, as documented in my FTC Identity Theft Report # XXXX ( FTC Report ). Despite my repeated disputes, XXXX and Zwicker have failed to provide legal validation, causing inaccurate information to remain on my credit reports with XXXX XXXX XXXX XXXX. 

Lack of Legal Validation : The XXXX letter does not include a wet-ink signature, IP logs, or chain of title to validate the debt, violating FDCPA XXXX requirements for Zwicker and FCRA XXXX ( b ) for XXXX. I sent a Debt Validation Letter to Zwicker on XX/XX/XXXX ( Debt Validation Letter ), demanding proof of the debts origin, agreement to pay, and collection authority, but no response has been received as of today. XXXX prior failure to validate this debt with XXXX XXXX XXXX ( XXXX ) ( XX/XX/XXXX ) and their use of an outdated address ( XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, instead of my current address, XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX ) further indicate the debts illegitimacy. 

Deliberate Indifference : XXXX has consistently ignored my fraud claims across multiple disputes, including with XXXX, and now with Zwicker, despite my FTC report. This mirrors the sham investigations criticized in CFPB lawsuits against XXXX XXXX XXXX ( XX/XX/XXXX ). Their escalation to Zwicker without addressing my disputes demonstrates willful noncompliance, causing ongoing credit score damage and emotional distress. This pattern extends to my disputes with XXXX XXXX ( # XXXX, accounts XXXX, XXXX, XXXX, XXXX ), XXXX ( XXXX XXXX, accounts XXXX, XXXX ), XXXX ( XXXX XXXXXXXX , account XXXX ), XXXXXXXX XXXX ( account XXXX ) , XXXX XXXX XXXX ( account XXXX ) , XXXX, and XXXX like XXXX and XXXX, all of whom have failed to validate debts. 

Impact : These unvalidated debts have severely damaged my credit scores, preventing me from achieving a score above XXXX across all bureaus. I demand complete elimination of the XXXX debt, retraction of all related data from CRAs, and compensation for the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2025-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I am submitting a new complaint because LVNV Funding LLC deliberately lied in their response to a previous complaint filed with the CFPB ( XXXX XXXX ). 

In their response, they falsely stated that I did not appear or defend myself in the legal proceeding. However, the official record of case XXXX in the XXXX XXXX XXXX XXXX XXXX XXXXXXXX Court ) clearly shows that : I attended the hearing on XX/XX/year> ( official record : Held ). 

There was verbal interaction with the magistrate ( Colloquy Given ). 

The case was resolved by agreement between the parties, not by default ( Judgment by agreement ). 

This false statement was used to justify the continued reporting of a negative collection account on my credit reports, which has caused serious harm to me : I have been denied access to fair credit due to this collection. 

I have lost employment opportunities as a result of its impact on my credit background. 

It has caused financial stress, lost opportunities, and damage to my reputation as a responsible consumer. 

LVNV Funding acted with negligence, malice, and bad faith, showing no regard for the consequences their false statements would have on my life. This was not a mistakeit was a willful misrepresentation made to a federal agency. 

I am attaching the official court document as evidence. 

I formally request that : LVNV Funding LLC be required to immediately delete this collection from all of my credit reports. 

The CFPB launch an investigation for deceptive conduct, bad faith, and potential violation of the FDCPA ( 15 U.S.C. XXXXe ). 

This violation be recorded as part of the companys public history of misconduct. 

Thank you for your attention. I trust the CFPB will take decisive action in this matter of abuse.

Company response to consumer: Closed with explanation