vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX  XXXX ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX  credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
a man stood in my driveway wanting to serve me papers while i was not home and took pictures of my house I came home he gave me the envelope, he and the other person in his vehicle proceeded to take pictures of my house while I was standing inside watching. 
this is harassment and illegal to do on someone's property

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am disputing a repossession account currently being reported under XXXX  XXXX  as inaccurate and unlawful. The creditor failed to provide me with the legally required XXXX to Redeem notice before selling or disposing of the vehicle, as mandated under XXXX XXXX and applicable state laws. I never received this notice, which violated my rights and disqualifies them from collecting any deficiency balance. Because of this failure, the reporting of this repossession and any remaining balance is inaccurate, misleading, and damaging to my credit report. Furthermore, under XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), furnishers of information must report accurate and complete data, which they failed to do in this case.

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 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Re : Escalation of CFPB Complaint Original Filing Date : XX/XX/XXXX Against : XXXX XXXX XXXX, XXXX XXXX XXXX Complaint ID : XXXX Dear CFPB Representative, I am requesting escalation of my original CFPB complaint filed on XX/XX/XXXX against XXXX XXXX XXXX XXXX XXXXXXXX. regarding an alleged debt that has now resulted in a collection warrant from a XXXX debt collector, [ Debt XXXX Name ]. 

Despite the CFPBs requirement for companies to respond within XXXX  days, XXXX XXXX failed to respond to my complaint and has not provided any validation of the alleged debt. 
Key Facts & Timeline XX/XX/XXXX I filed a CFPB complaint against XXXX XXXX XXXX  regarding this account. 
No XXXX XXXX XXXX failed to provide any verification or investigation results. 
XXXX Deleted The alleged account was subsequently removed from all XXXX  credit bureaus. 
XXXX XXXX A warrant to XXXX was obtained by Portfolio Recovery Associates , LLC @ mailing address : XXXX XXXX XXXX, XXXX, VA XXXX XXXX the same unverified account. 
No Validation Despite multiple requests, the collector has failed to provide : The original signed agreement A complete payment history Proof of lawful assignment Violations & Consumer Harm XXXX. FDCPA Violations ( XXXX XXXX. XXXX ) The collector is pursuing enforcement without providing validation as required by XXXX. 
XXXX collection efforts without verifying ownership of the debt constitutes false representation under XXXX. 

XXXX. FCRA Violations ( XXXX XXXX. XXXX ) XXXX XXXX failure to investigate and respond to my CFPB dispute violates the Fair Credit Reporting Act. 
The XXXX actions XXXX also violate FCRA XXXX ( b ) for pursuing a debt that is unverified and deleted. 

XXXX. Louisiana XXXX XXXX Violations Under Louisiana XXXX XXXX Art. XXXX, debts on open accounts prescribe after XXXX ( XXXX ) years. 
If this debt is time-barred, any warrant or garnishment attempt is illegal. 

Requested XXXX I respectfully request that the CFPB : XXXX. Reopen and escalate my XX/XX/XXXX complaint for further investigation. 
XXXX. XXXX XXXX XXXX XXXX  to provide full verification of the alleged debt. 
XXXX. Investigate Portfolio Recovery Associates , LLC @ mailing address : XXXX XXXX XXXX, XXXX, VA XXXX or Portfolio Recovery XXXX, XXXX @ XXXX XXXX XXXX XXXX, VA XXXX phone number for disputes is XXXX for pursuing a warrant without validation. 
XXXX. Confirm whether this account is legally enforceable under federal and Louisiana law. 
XXXX. Require all collection efforts to cease until proper validation is provided.

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

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NY

Complaint narrative:
Start off with me purchasing things for my XXXX child with her retroactive SSI, bearing items for her century to dress up that she likes to do, items never arrived. Once the merchant originally they denied everything went to cash app to file dispute they denied it. I appeal that they denied it again when I spoke to Cash app I was given the runaround. The money is not being given back and legally from my understanding as my XXXX rep XXXX, they have to give it back. They cant just allow the merchant to keep it especially when good and services were not rendered. So now I am finally a complaint against the bank because they refuse to properly help.

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

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I would like to assert that no permissible purpose under XXXX XXXX XXXX ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

XXXX XXXX XXXX ( a ) A financial institution XXXX not, directly or through any affiliate, disclose to a non affiliated XXXX XXXX  any nonpublic personal information. XXXX XXXX XXXX ( b ) ( XXXX ) A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated XXXX  XXXX  unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information XXXX be disclosed to such XXXX XXXX ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

XXXX XXXX XXXXXXXX ( a ) Time to make payments, A credit XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXXXXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-09 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2025-09-09 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: AZ

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NH

Complaint narrative:
I have been on the XXXX XXXX XXXX  XXXX since XXXX. I have submitted and recertified the appropriate paperwork consistently, but last XXXX, MOHELA stopped processing recertification applications. I submitted an application in XXXX, called numerous times, then finally on XX/XX/XXXX, I was told I needed to resubmit an XXXX application. I did, and my account says the application is in " review '' since XX/XX/XXXX. I have called over XXXX times since XX/XX/XXXX to request information as to why it's taking so long to process. My loans have been in forbearance since XXXX, therefore I'm accruing interest as I wait for my application to get approved. I called last week, and the advanced agent said she'd put a note on my file to expedite the review process because she said it shouldn't be taking this long. I called again yesterday and was told I needed to provide a call back number. When they called me today, the advanced agent told me that there is a glitch in the MOHELA platform and that's why it's taking so long to review. She said there is nothing happening on their end ( because of the glitch ) which means the application won't get reviewed for a while ( there was no specific time frame ). I asked if there was anything I can do ( such as submit an new application ) and she said no, I just have to continue to wait. As I mentioned before, I'm accruing interest as I'm waiting for something that is entirely out of my hands. I can't just simply remove the forbearance because my monthly payments will be {$1000.00} a month and I can't afford that. I just want to make student loan payments based on my income.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX {$730.00} sent certified requesting debt verification MidlandCredit Management, also on XX/XX/XXXX a letter to remove Inaccurate information on my credit report with no answers or letters from creditor. 

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX {$930.00} sent re certified requesting debt verification XXXX XXXX XXXX, also on XX/XX/XXXX a letter to remove Inaccurate information on my credit report with no answers or letters from creditor.

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

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-09 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: NJ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened a new account with Bank of America on XX/XX/year>. I wired funds ( approximately {$15000.00} ) for a car loan from a different bank, ( XXXX XXXX XXXX ) on XX/XX/year>. I needed to issue a cashier 's check to provide to XXXX to transfer the loan. I went in person to Bank of America on XX/XX/year> to obtain this cashier 's check and was told that my account was frozen/closed due to a fraud alert placed on my account. Bank of America on XX/XX/year> opened a new account for me. There were issues transferring the funds from the closed account to the new account. The manager said she needed to talk to the back office and I would be notified when the funds were transferred so I could get the cashier 's check. 

On XX/XX/year>, Bank of America issued the cashier 's check from the closed account and mailed it through XXXX. XXXX attempted delivery on XX/XX/year> and XX/XX/year>. I was not notified that this was mailed out until I reached out to Bank of America for an update on XXXX.I was out of town when XXXX  attempted to deliver the check. I submitted a delivery change request to be picked up in person at XXXX store on XX/XX/year>. There were no updates on this request so I went to the XXXX store in person on XX/XX/year>. The XXXX store did not have my package. I was told to call support to see why it was stuck. 

I contacted XXXX on XX/XX/year>. XXXX confirmed that the package is considered lost and advised me to follow up with the sender ( Bank of America ) to start an investigation on the lost package. I contacted Bank of America XX/XX/year> to cancel or void the cashier 's check. Bank of America insists that I have to wait until the check is returned or if it expires. The cashier 's check does not expire until approximately XX/XX/year>, 90 days after it was issued. Bank of America also will not contact XXXX to launch an investigation until the cashier 's check is expired or returned. 

I now have to pay on two car loans because of this. This is causing trauma and financial hardship that easily could have prevented if my account was never frozen and closed. I also should have been contacted before the cashier 's check was issued and given a choice to come pick it up in person rather than have it mailed.

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 monetary relief