vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: DE

Complaint narrative:
I'm struggling financially due to the economic climate and reduced working hours. A representative from the company suggested I pay off the loan, stating that there were no other options. They assured me that paying off the loan would lead to its removal from my credit report, without any negative consequences. However, after paying off all my loans, the company is refusing to remove the loan from my credit report, reneging on their promise. This has caused me to receive a negative credit rating due to the company 's deceptive practices. I was misled into believing that paying off the loan would resolve the issue and result in its removal from my credit report. I want the company to rectify this situation and remove the loan from my credit report, as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TN

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 2025-05-21 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: LA

Complaint narrative:
Equifax is reporting XXXX accounts as adverse accounts that show the last date of activity in XXXX. It has been XXXX years and those accounts are closed. I'm uploading a letter explaining the account details as well as a copy of my social security card and driver 's license for identification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX of 2023 I contacted the company Goodleap LLC regarding finalizing my solar project. The company Representative assured me that they would have their chosen Electrical Contractor complete the project. I have sent numerous written inquiries and was advised that the completion work was in the process. As of this date, nothing has been done to complete the project. I keep getting empty promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I am submitting this complaint regarding an account being reported by Penn Credit Corporation. I requested full legal validation of the alleged debt under FDCPA 1692g. My request included a demand for the original contract or agreement, proof of assignment establishing Penn Credits authority to collect the debt, a detailed itemization of the amount claimed, and confirmation of the date of first delinquency to determine the validity of continued credit reporting under FCRA 1681c. 

Penn Credit responded by stating that XXXX XXXX XXXX XXXX XXXX is not their client and that they are not collecting on their behalf, yet they continue to report this debt on my credit report. They also claimed to have mailed a validation notice, but offered no evidence that I received it, and they failed to provide any of the requested documentation to substantiate the debt. Additionally, while acknowledging that I previously made a partial payment toward the account, they continue to report a balance without resolving the dispute or supplying proper verification. This conduct violates both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

A fair resolution would be for Penn Credit Corporation to permanently delete this account from all credit reporting agencies and issue written confirmation that the matter is closed. Since they have not proven legal ownership or standing, and they admitted that the named creditor is not their client, the continued reporting of this item is unlawful and damaging to my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TN

Complaint narrative:
RE : LEGAL DEMAND FOR IMMEDIATE DELETION OF FRAUDULENT INFORMATION UNDER FCRA 605B, 15 U.S.C. 1681c-2 AND RELATED STATUTES DUE TO XXXX XXXX & IDENTITY THEFT This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian 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. This fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. Please see attached documentation for more details.

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 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Via Certified Mail Re : Validation for account # XXXX To Whom It May Concern : This letter is in response to an alleged account on my credit report. This is neither an acknowledgement of dept or a refusal to pay, but a notice to request validation. 
Under the Fair Dept Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege is due to you. This is not a request to verify the debt but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment to you. 
By law, you must provide the following alleged information to me within XXXX ( XXXX ) days of receipt of this letter. 
Creditors Name and full Address Name of Debtor of Record Full Account Number Amount of Debt Due Date of Debt Original Charge Off or Delinquency Date Explanation of How the Debt was Calculated Evidence that the Debt is within States Applicable Statute of Limitation Name of the Collection Agency or Owner of the Debt Amount Paid if Debt was Purchased Completed and Executed Agreement, Including Signature Pages, for the Debt. 
Until the requested information has been provided, please cease all collection activities and any reporting to credit bureaus concerning this debt. I also request all future correspondence be handled in writing and sent to the address listed above. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MS

Complaint narrative:
Since XXXX, I have repeatedly appealed the closure of my Cash App account. I did not violate any terms of service, and all of my personal information was accurate. None of the transactions on my account were fraudulent. Despite reaching out for over four years, I have never received any documentation explaining why my account was closed, nor has it been reopened. Every time Ive contacted customer service, Ive been given the same generic response with no real explanation. It feels dismissive and disrespectful to be denied transparency after being a loyal user and following all the rules. I am simply asking for clarity and fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account 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 DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-05-22 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: NJ

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report, as I did not create them and was not informed of their presence. In compliance with USC 1681g, I expect their removal within 15 days. Please find the enclosed supporting documents.

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 2025-05-21 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: TN

Complaint narrative:
This late payment record is inaccurate and does not represent my consistent payment behavior. I have maintained timely payments, and I request its removal to ensure my account reflects accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV FUNDING LLC is reporting a residential address that I never resided. 
XXXX XXXX XXXX is not a residents that I've lived. Per public records the residents was purchased and occupied by XXXX XXXX. Not me. There is no lease or purchase naming me. I didn't purchase nor reside at this address. They are also using phone numbers that are not associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: NY

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and iam requesting a full investigation under the Fair Credit Report Act ( FCRA ). Please remove this unverifiable item.

Clean. Legal. Powerful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
I recently reviewed a copy of my credit report, and noticed that I had fruadulent accounts on my report. Please delete these fraudulent accounts, they are hurting my ability to obtain credit.

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 2025-05-21 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report, and noticed that I had fruadulent accounts on my report. Please delete these fraudulent accounts, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: MD

Complaint narrative:
FORMAL CFPB COMPLAINT : DEMAND FOR WET SIGNATURE VALIDATION AND REMOVAL OF UNAUTHORIZED INQUIRY [ Your Full Legal Name ] [ Your Current Address ] [ City, State, ZIP Code ] [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX Subject : Demand for Wet Signature Validation & Immediate Removal of Unauthorized Inquiry XXXX XXXX XXXX ( XX/XX/year> ) Dear CFPB, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, to dispute an unauthorized hard inquiry made by XXXX XXXX XXXX on XX/XX/year>, which appears on my credit reports from Equifax, Experian, and TransUnion. 

Legal Basis for Removal : FCRA 1681b ( a ) ( 3 ) ( A ) Creditors must have permissible purpose and written authorization ( wet signature ) before accessing a consumers credit report.

FCRA 1681i Credit bureaus must investigate and remove inaccurate or unverified information within 30 days.

Regulation B ( ECOA, 12 CFR 1002.9 ) Requires signed, written applications for credit.

Unauthorized Inquiry Details : Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/year> Status : No signed authorization exists I never applied for credit with this entity. 

Requested Actions : XXXX XXXX XXXX  must provide proof of my wet signature authorizing this inquiry. 

Immediate deletion of this inquiry from all three credit bureaus if no valid signature is provided. 

Written confirmation from Equifax, Experian, and TransUnion once removed. 

Investigation into FCRA violations by the creditor for unauthorized access. 

Supporting Evidence : I never signed any application or consent form from XXXX XXXX XXXX. 

This inquiry may indicate identity theft or unlawful credit pull.

Attached : Government-issued ID and proof of current address.

Failure to validate my signature within 30 days requires deletion under FCRA 1681i.

Sincerely,

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 2025-05-22 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: NJ

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX, Experian, XXXX, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 XXXX XXXX  has been added to the predatory schools that qualify for a Borrowers Defense Discharge. Also, XXXX XXXX  is a participant in the Sweet vs Cardona settlement which was approved XX/XX/2022. XXXX has been forgiven leaving a total of XXXX. My loan was also sold.

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