vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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: IL

Complaint narrative:
ALL INACCUATE INFORMATION ON CREDIT REPORT THAT EXPERIAN HAS REFUSED TO REMOVE AFTER DISPUTING VIA MAIL AND ONLINE OVER XXXX TIMES. NONE OF THIS INFORMATION BELONGS TO ME XXXX NOT THE XXXX SOCIAL. 
REMOVE ALL OF THIS XXXX INFORMATION OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX type - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX Resident XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type XXXX Date of birth XXXX  Social security number variations XXXX Personal statements

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 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This is not my debt last XXXX account number XXXX from XXXX XXXX XXXX new debt collector lvnv funding i did sent in paper saying I want debt validation original creditor details and my signature saying this is me chain of assiment contract this is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: NV

Complaint narrative:
TransUnion LLC P.O. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Unauthorized Credit Inquiries Demand for Verification Under FCRA 604 & 609 To Whom It May Concern : This letter serves as a formal dispute of multiple unauthorized hard inquiries appearing on my TransUnion credit report. I did not grant permission, verbally or in writing, for these entities to access my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 604 ( a ) ( 3 ), a credit inquiry may only occur with my explicit authorization or for a legally valid permissible purpose. If TransUnion can not produce documented evidence that I provided approval, you are obligated to remove these inquiries. 

I am demanding full verification, including signed credit applications or legally recognized authorizations, for the following inquiries : Unauthorized Inquiries ( TransUnion ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-29 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-29 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: AR

Complaint narrative:
To Whom It May Concern, This letter is a formal FCRA and XXXX compliance dispute regarding the inaccurate and inconsistent reporting of specific accounts on my credit file. The information reported by your bureau is not complete nor accurate, and contains violations of : - FCRA XXXX ( a ) Maximum Possible Accuracy - FCRA 611 Reinvestigation Requirements- FCRA 607 ( b ) Failure to Maintain Reasonable Accuracy Procedures- XXXX CRRG Reporting Standards I am not requesting verification by XXXX. I am requesting correction or deletion based on the factual inaccuracies identified below. 

ACCOUNTS REPORTING INACCURATE / NON-COMPLIANT DATA XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status is reported simultaneously as : - Closed - Charge-Off / Collection - Current / Paid Delete this account for failure to report uniform status data. 

XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Charge-off and Closed status conflicts - Improper account classification Delete this account for inaccurate reporting. 

XXXX. XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off status conflicts- Date of First Delinquency not properly reported Delete this account. 

XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Different payment history and status across bureaus Delete this account for inaccurate reporting. 

XXXX. XXXX XXXXXXXX ( Multiple Accounts ) XXXX XXXX XXXX XXXX XXXX Accounts only on XXXX bureau - Missing XXXX  - XXXX violations Delete these accounts. 

XXXX. XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Conflicting status across bureaus - Missing uniform payment history Delete this account. 

REQUEST FOR IMMEDIATE ACTION Because the above accounts contain reporting inconsistencies, inaccurate information, improper coding, and XXXX violations, I demand the following action : XXXX. Delete each account listed due to inaccurate and unverifiable reporting. 
XXXX. Provide the following for EACH account if you choose to keep it : - Method of Verification ( FCRA 611 ( a ) ( 7 ) ) - Furnisher name and contact information - Original Date of First Delinquency - Verification source used CERTIFICATION I certify the statements listed above are true. This is a factual dispute supported by inconsistencies in the credit data. 

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 explanation
Consumer complaint received 2025-11-29 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: AR

Complaint narrative:
To Whom It May Concern, This letter is a formal FCRA and XXXX compliance dispute regarding the inaccurate and inconsistent reporting of specific accounts on my credit file. The information reported by your bureau is not complete nor accurate, and contains violations of : - FCRA XXXX ( a ) Maximum Possible Accuracy - FCRA 611 Reinvestigation Requirements- FCRA 607 ( b ) Failure to Maintain Reasonable Accuracy Procedures- XXXX CRRG Reporting Standards I am not requesting verification by XXXX. I am requesting correction or deletion based on the factual inaccuracies identified below. 

ACCOUNTS REPORTING INACCURATE / NON-COMPLIANT DATA XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status is reported simultaneously as : - Closed - Charge-Off / Collection - Current / Paid Delete this account for failure to report uniform status data. 

XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Charge-off and Closed status conflicts - Improper account classification Delete this account for inaccurate reporting. 

XXXX. XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off status conflicts- Date of First Delinquency not properly reported Delete this account. 

XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Different payment history and status across bureaus Delete this account for inaccurate reporting. 

XXXX. XXXX XXXXXXXX ( Multiple Accounts ) XXXX XXXX XXXX XXXX XXXX Accounts only on XXXX bureau - Missing XXXX  - XXXX violations Delete these accounts. 

XXXX. XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Conflicting status across bureaus - Missing uniform payment history Delete this account. 

REQUEST FOR IMMEDIATE ACTION Because the above accounts contain reporting inconsistencies, inaccurate information, improper coding, and XXXX violations, I demand the following action : XXXX. Delete each account listed due to inaccurate and unverifiable reporting. 
XXXX. Provide the following for EACH account if you choose to keep it : - Method of Verification ( FCRA 611 ( a ) ( 7 ) ) - Furnisher name and contact information - Original Date of First Delinquency - Verification source used CERTIFICATION I certify the statements listed above are true. This is a factual dispute supported by inconsistencies in the credit data. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: OH

Complaint narrative:
I requested a new card on XX/XX/year>. My card was damaged so thats the option I selected. After requesting a new card all access to my money in my account has been locked. I can not use my card virtually, I can not use it on XXXX XXXX with the tap to pay feature and I can not transfer my money to another account. My money is stuck in cashapp. This was my whole paycheck that was direct deposited. I can not even put gas in my car to get home. I chatted in to support and was told I just have to wait for a new card to arrive. I called customer service and was told I just have to wait for a new card to arrive. I requested a manger and I was told they only respond to email. I was not informed prior to requesting a new card that I would not have any access to my money until I receive the new card in XXXX DAYS!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a debt from a bank and Im not sure why I am being charged the amount I am being charged.

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 2025-11-29 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: IL

Complaint narrative:
These documents were submitted to both XXXX XXXX XXXX XXXX and XXXX, as well as to the consumer reporting agencies. The accounts were initially deleted after being verified as fraudulent due to a data breach and identity theft. However, these same accounts were reinserted without proper notice or verification, which directly violates : FCRA 605B ( b ) and ( c ) requiring blocking and prohibiting reinsertion of identity theft information ; FCRA 611 ( a ) ( 5 ) ( B ) requiring notification and certification before any reinsertion ; and applicable state consumer protection and data privacy laws regarding identity theft victims.

This reinsertion has caused ongoing harm, credit score damage, and emotional distress. I am demanding that the CFPB escalate this complaint to ensure : 1. Immediate and permanent deletion of the XXXX XXXX and XXXX accounts ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
I borrowed {$1200.00} from Power Finance Texas XXXX XXXX XXXX XXXX  ), Customer XXXX XXXXXXXX, Loan XXXX XXXXXXXX. The company added extremely high broker fees of more than {$900.00}, causing my balance to inflate to {$2100.00}. These fees were not clearly explained to me and I did not expect the loan to more than double. 

I can no longer afford the loan, and the company continues adding fees after default, making it impossible to pay off. I reached out to the lender to dispute the fees and request a reasonable payoff based only on the principal, but they have not resolved the issue. 

I am requesting that the lender : XXXX. Stop adding additional broker fees, XXXX. Freeze the account, and XXXX. Provide a fair settlement or payoff option based on the principal amount only. 

I also revoked XXXX authorization to stop withdrawals I could not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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:
I am filing this complaint because Equifax is reporting an account that I have no knowledge of and that does not belong to me, and despite my disputes, Equifax has failed to conduct a lawful investigation as required by federal law and continues to harm me by reporting inaccurate and unverifiable information. Equifax is currently reporting the following account : XXXXXXXX XXXX  XXXX account number XXXX * *, High Balance {$1100.00}, Date Opened XX/XX/year>, marked as a Charge Off. I have no knowledge of this account, never opened such an account, never authorized any relationship with this creditor, and Equifax has failed to provide any documentation proving that I am contractually tied to this account. Under the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681e ( b ) which requires Equifax to maintain maximum possible accuracy of information, and 15 U.S.C. 1681i ( a ) which mandates a reasonable reinvestigation when a consumer disputes an item, Equifax has violated its obligations by verifying an account without providing any original application, wet signature, contract, or legally acceptable proof identifying me as the responsible party. The continued reporting of an account that I have no knowledge of is causing ongoing damage, emotional distress, and financial harm as it is negatively affecting my creditworthiness, preventing me from obtaining fair credit opportunities, and creating an inaccurate and misleading consumer profile. Because this account is not mine and Equifax failed to properly investigate and failed to provide validation, I am demanding that the CFPB require Equifax to permanently delete the XXXX XXXX XXXX XXXX * * account from my credit file, provide me written confirmation of deletion, and ensure compliance with the FCRA in all future reporting. I am also requesting that Equifax provide a full explanation of their verification process, including what documents were used to verify the account they claim belongs to me, since none have ever been provided to me. Until Equifax can produce legally admissible documentation proving this is my accountwhich they have notthis account must be removed immediately as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am filing a formal complaint regarding a fraudulent account that has been opened in my name with Affirm Inc . I did not authorize the creation of this account, nor have I ever applied for any service or credit through Affirm. This account was opened under my name without my knowledge or consent, and it is negatively impacting my credit report. 

Details of the Complaint : An account has been opened in my name with Affirm Inc. without my knowledge or consent. 

I have never applied for any credit, loan, or service with Affirm. 

I did not authorize anyone to open an account or incur charges under my name. 

Despite reporting this issue to Affirm and the credit reporting agencies, the fraudulent account remains on my credit report. 

Account Information : Balance : {$930.00} Account Number : XXXX Account Status/Balance Updated : [ Insert if known, or " Date Unknown '' ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-29 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: AL

Complaint narrative:
I am disputing the XXXX XXXX account reporting on my Equifax credit report. 

The account clearly shows a closed date of XX/XX/year>, yet the furnisher continued reporting new late payments and derogatory activity after the account had been closed. 

This is a direct violation of : FCRA 607 ( b ) ( accuracy of information ) FCRA 623 ( a ) ( duties of furnishers ) XXXX XXXX guidelines, which state that no new payment history or delinquency can be furnished after an account has been closed XXXX XXXX has furnished inaccurate, unlawful, and unverifiable information by adding late payments for several months after the account was closed. 

Because the furnisher is reporting information that can not be accurate or verified according to the FCRA, the only fair resolution is the removal of all late payments and derogatory remarks, or full deletion of the account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: NJ

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED SEVERAL ACCOUNTS THAT WERE OPENED WITHOUT MY PERMISSION.

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 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Requested via certified mail the following information in XXXX and XXXX Proof that they own the account or were legally assigned the debt A complete chain of title from the original creditor to the collector The original contract or agreement with my signature An itemized statement of the balance The name and address of the original creditor Proof that the debt is within the statute of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: PA

Complaint narrative:
XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Phone : ( XXXX ) XXXX XXXX : XXXX XXXX ( Last XXXX ) : XXXX XXXX XXXX  Complaint Summary * * I am filing this complaint under the authority of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) regarding multiple inaccurate, unverifiable, and duplicated tradelines reported by XXXX, XXXX, and XXXX. These items continue to appear despite prior disputes and remain unsubstantiated by the furnishers. 
Company Name Violation Summary Edfinancial Services LLC, Reporting duplicate student loan tradelines with inconsistent data and false XXXX XXXX XXXX, Reporting unverified repossession and charge-off without lawful substantiation. Violate XXXX XXXX XXXX Continuing to report a disputed collection without validation as required under FDCPA XXXX XXXX XXXX Reporting a charge-off older than permissible under FCRA 605 ( a ) ( 4 ).

delinquenc I am requesting that the CFPB enforce compliance and ensure that all three credit reporting agencies delete or correct these unverifiable and inaccurate entries. Each bureau has been formally notified and provided with evidence under separate correspondence dated XX/XX/XXXX. 
* * Requested Resolution : * * Permanent deletion of all unverifiable or inaccurate accounts and confirmation of corrected reports.

Company response to consumer: Closed with explanation