vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: NC

Complaint narrative:
XXXX XXXXXXXX XXXX- Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account.

Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 
Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 
Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

XXXX  - This XXXX XXXX XXXX  entry is inaccurate and incomplete. You have failed to properly identify the court 's full name, city, and state, as required under the Fair Credit Reporting Act ( FCRA ). Accurate and complete reporting is mandated, and your omission directly violates these standards.Furthermore, this bankruptcy has been officially discharged, yet it remains improperly listed. Your failure to verify and correct this information is a violation of FCRA Sections 1681b ( 2 ) and 1681s-2 ( b ), which outline your obligation to ensure maximum possible accuracy and to investigate disputes thoroughly.I hereby demand that this inaccurate public record be immediately removed from my consumer credit report. Continued reporting of this erroneous information is not only misleading but also a breach of federal law. 

XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. 

XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. 

XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. 

XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. 

XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove.

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 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: P&B Capital Group, LLC
State: VA

Complaint narrative:
P & B Capital Group LLC has been calling my step mom and sister. My sister said they called her 7 times this morning and left messages with personal information. 

I attempted to call them back to discuss the matter and inly received information back via email. I would like for them to not harass my family members over my matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim.

Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and should be blocked : Fraudulent Accounts to Be Removed : Disputed Account 1 : - Account Name : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Disputed Account 2 : - Account Name : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Disputed Account 3 : -Account Name : XXXX -Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Disputed Account 4 : -Account Name : XXXX XXXX  XXXX -Account Number : XXXXXXXX XXXX XXXX XXXX XXXX As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data.

I have contacted the Equifax, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy.

I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action.

Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: GA

Complaint narrative:
Fraudulent inquiries on my Equifax report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 



I am writing to formally file a complaint against USAA XXXX XXXX XXXX regarding their unjustified refusal to allow me to open new accounts and establish a relationship with their institution. Despite my repeated efforts to resolve this matter directly with USAA, my concerns have not been addressed, and the restrictions on my profile remain in place. 

I am a victim of identity theft, which has significantly impacted my financial profile. I promptly reported this incident to USAA XXXX XXXX XXXX multiple times, providing all necessary documentation and evidence to support my claims. Unfortunately, despite these reports, USAA has failed to take appropriate action to resolve the issue or lift the restrictions placed on my account profile. 

It appears that USAA is discriminating against me by denying me access to their services, despite my status as a victim of identity theft and my proactive efforts to rectify the situation. This conduct is unfair and potentially violates fair lending and discrimination laws. 

I respectfully request that the CFPB investigate the reasons behind USAAs refusal to allow me to establish accounts and whether their actions are consistent with fair lending practices and consumer protection laws. I am seeking a thorough review of my case and appropriate corrective actions to ensure that I am treated equitably and that my rights as a consumer are upheld. 

Thank you for your attention to this serious matter. I look forward to your prompt response and assistance. 

Sincerely, 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 2025-06-09 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency XXXX XXXX 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 : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX that informed me of a debt owed to an energy company called XXXX XXXX XXXX  XXXX, who was the original creditor for the amount of {$710.00}. The date of first default in the letter is from XX/XX/XXXX. The current creditor is LVNV Funding LLC, using XXXX XXXX XXXX XXXX as the debt collector. Note that the address that is on the debt collection notice is my address, but my name is not correct. Misspelled my name by a single letter. 

Additionally, the debt collection letter is attempting to convince people to 'settle ' the debt for a lower amount, when in fact, this debt is most likely not even their debt. 

NOTE : It appears that this is common practice for the companies involved in this note. 

On XX/XX/XXXX, I made several phone calls. 

First, I called XXXX XXXX XXXX  XXXX, who did not have any record of my address or telephone number. And, they were not able to look up the account via the last 4 digits of the account number I had available to me, which were provided in the debt collection letter. 

I was then transferred to the XXXX XXXX XXXX  XXXX XXXX department, where I flagged this letter and the debt collector. 

Second, I attempted to call a number provided in the letter for XXXX  XXXX Residents. Contact : XXXX XXXX at XXXX ( XXXX ) XXXX. There was a recording of a 'serious application error ' and the line was disconnected. 

XXXX, I then went to the XXXX XXXX, XXXX website and found the customer service number. I made multiple phone calls ( more than 6 ) to XXXX XXXX XXXX XXXX. XXXX ( XXXX ) XXXX. After reaching 2 different representatives that resulted in disconnections just before completing a sentence regarding my inquiry, I finally spoke to a 3rd representative who informed me that because my last name does not match the name of the individual they are trying to collect the debt from, that there is not further action they can take. 

Based on my research, LVNV Funding LLC and XXXX XXXX XXXX XXXX need to be fully investigated about improper and unvetted debt collection practices. 'Buying debt ' should be investigated as a business as well, especially since once it has been purchased, there seems to be no sufficient way to validate the records of the PII and account information purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Reliant Capital Solutions, LLC
State: NE

Complaint narrative:
Reliant Capital Solutions XXXX XXXX XXXX Among other miscellaneous debt collection agencies. 

I am currently facing persistent and unwarranted harassment from a collections agency concerning a debt that I unequivocally do not owe. Despite my explicit and repeated demands for these communications to cease, each interaction yields nothing but empty assurances that my name and number will be promptly removed from their records. However, I continue to receive a barrage of phone calls and now unsolicited text messages demanding payment for a nonexistent debt. This ongoing harassment constitutes a blatant violation of my rights and raises significant concerns regarding the legality and ethics of their practices. 

Furthermore, I have been provided information that I believe constitutes an apparent infringement of the consumer 's privacy rights regarding this alleged bill. I am fully prepared to pursue all necessary legal actions to protect my rights and the rights of the debtor and seek appropriate remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : 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 XXXXXXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1600.00} Inquiries XXXX  Date : XX/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 2025-06-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: NJ

Complaint narrative:
This is a continuation of Complaint # XXXX. 

Blackhawk Network initially approved my dispute and promised resolution through replacement cards, which I never received. They then issued a refund check that also never arrived. 

After months of delay, they admitted the problem : they had been sending everything to the wrong address ( XXXX XXXX ), despite me repeatedly requesting corrections in writing. 

To resolve the issue, I proposed multiple alternatives including a virtual check, a virtual gift card, a bank transfer, and delivery to a trusted friends address. Both the bank transfer and the alternate delivery address were explicitly approved ( Check attachment ) Despite this, they later reversed both promises without cause. XXXX XXXX from their team continues to make excuses and demand documents that my bank ( XXXX XXXX  ) does not issue. Their requirements keep changing, and they refuse to take responsibility for their repeated mistakes and delays. 

Every time we reach a resolution, they undo it. Ive spent nearly a year in constant follow-up because of their poor handling and refusal to follow through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: VA

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 Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXXXXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXXXXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened XXXX XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-09 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: CT

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-09 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: MI

Complaint narrative:
The creditor is reporting false information on my credit report. Experian and Transunion is currently reporting an account that was closed in XXXX  as active and open. This account should not still be on my credit report as it is older than 7 years old and should be closed. The account is reflecting incorrect derogatory on my credit report and should not be on the report. The inaccurate information maintained on my credit report has not only resulted in significant financial harm but has also caused substantial emotional distress. I have requested that the inaccurate information be removed from Experian and Transunion, but the inaccurate information still remains on my credit report as of XXXX. The false representation of my personal and financial information is a clear act of fraud. It has deceived creditors and financial institutions, leading to higher interest rates, denial of credit, and an overall detrimental impact on my financial standing. This constant struggle to rectify these inaccuracies has inflicted undue stress and XXXX, undermining my trust in the credit reporting system. Moreover, the persistence of these errors despite multiple disputes exacerbates the situation, suggesting an element of extortion. By refusing to correct these inaccuracies, you are leveraging this misinformation to exert financial pressure on me. This coercion forces me into a position where I am compelled to take unnecessary financial measures, further aggravating my emotional and financial well-being. The distress caused by this situation is profound, as I am being unfairly penalized for errors that are beyond my control. The continuation of these inaccuracies represents a violation of my rights under the FCRA and FDCPA. The failure to correct or delete this false information, despite clear evidence and legal demands, highlights a disregard for the laws designed to protect consumers. This ongoing issue has caused not only financial repercussions but also significant emotional turmoil, impacting my daily life and overall mental health.

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