vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, XXXX and XXXX 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 consists of a personal loan opened at LVNV FUNDING LLC dated on XX/XX/year>. Account number : ( XXXX ). I demand their Certification Of Participation in full disclosure. This account has already been paid and closed with offer to contract is returned to them in good faith under Regulation Z per XXXX XXXX Debt Collections Practices Act. I expect anyone who responds to this, must respond under penalties of perjury per 28 U.S. Code Subsection 1746. I already attached is a money order in consideration for my offer to contract. Silence is acquiescence XXXX XXXX XXXX & UCC XXXX XXXX TENDER OF PAYMENT. 

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 as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. 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 ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This complaint is for XXXX companies. XXXX, XXXX XXXX, and Experian. 

XXXX is reporting XXXX alleged debts on my credit report that they previously sold to a third-party collector, XXXX. Despite no longer owning the debts, XXXX continues to report them, while XXXX is actively attempting to collect. 

This issue originally began when XXXX locked me out of my account for over XXXX months, preventing me from making payments or accessing my account. I contacted XXXX customer service multiple times and was told they could not accept payments over the phone and offered no resolution to the lockout. As a result, I was unable to make payments, and the accounts fell behind through no fault of my own. 

I also filed reports with Experian during that time, explaining that I was locked out and XXXX refused to help. Experian failed to take any action to assist or correct the situation. 

Once I learned the accounts had been sent to collections, I sent debt validation requests via certified mail to both XXXX and XXXX. I have proof of delivery confirming both companies received my letters. Neither has responded or provided validation, despite being legally required to do so. I also attempted to reach out via phone and email, with no reply. 

I later submitted multiple disputes with Experian, providing documentation that : The debts were sold Neither company responded to certified validation requests XXXX caused the delinquency by locking me out and refusing support Despite all this, Experian refuses to remove the XXXX unvalidated debts from my credit report. 

It has been over XXXX  days since my validation requests, and both XXXX and XXXX remain completely unresponsive.

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 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX- I sent a certified letter asking for validation of the debt. I asked for of the original debt collector, proof of payment history, proof of contract agreement, proof of my original signature on the original contract, if the debt was then bought then how much they bought it for, and proof there had not been any insurance claims filed on the debt. On XXXX, I received a letter from Midland Management that said I owed {$600.00} and they gave me 3 payment options to pay the {$600.00}. They did not provide any proof of anything I asked for to show that I owed the debt. I do not know where this debt came from, nor do I know if it is even mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-30 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: MS

Complaint narrative:
The Information regarding accounts from the equifax data breach are attached below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
I have made multiple attempts to dispute fraudulent charges, illegally re-aged accounts, and deceptive collection practices on my credit report. Despite my efforts, these inaccuracies remain unresolved, negatively affecting my financial standing and limiting my access to credit, housing, and other opportunities. As a responsible consumer, I demand a thorough review and correction of these errors under the Fair Credit Reporting Act ( FCRA ). The incorrect personal information and account discrepancies listed must be investigated and resolved immediately.

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 2025-03-30 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: TX

Complaint narrative:
I have made multiple attempts to dispute fraudulent charges, illegally re-aged accounts, and deceptive collection practices on my credit report. Despite my efforts, these inaccuracies remain unresolved, negatively affecting my financial standing and limiting my access to credit, housing, and other opportunities. As a responsible consumer, I demand a thorough review and correction of these errors under the Fair Credit Reporting Act ( FCRA ). The incorrect personal information and account discrepancies listed must be investigated and resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MA

Complaint narrative:
I recently started my retail company and made my first sale to a customer who paid me using Square XXXX app. After receiving the money in my balance Square inc decided to put my account on review and wanted me to provide documentation and invoices for the transaction including a 3 months bank statement. They later deactivated my account and sent me an email saying that my funds are frozen for 90 days and i will not be able to move them until then with no explanation to why that happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-31 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-31 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: CA

Complaint narrative:
Upon reviewing my report on XX/XX/2025, I noticed that some details are incomplete and incorrect. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy when reporting consumer information. However, the following accounts are not being reported correctly : ( XXXX XXXX  - XXXX ) : The status says open, date last active, balance and date of last payment are all incorrect. 
( XXXX XXXX ) : account has been deleted from Experian, but showing on equifax and transunion. 

( XXXX  XXXX - XXXX ) : This account has been removed from other credit bureaus but still showing on equifax. In accurate. 
( XXXX - XXXX ) : date last active, payments are all incorrect, inaccurate late dates. 
( XXXX ) : account removed from Experian. Needs to delete on equifax and transunion ( XXXX ) account has been removed from Experian, still shows on equifax and transunion. 


On XX/XX/, I sent a letter requesting reinvestigation of these inaccuracies, and here is my tracking number : However, no updates or modifications were made to correct these errors. 

Furthermore, I requested a description of the reinvestigation process, which was not provided to me. This failure to comply violates 15 U.S.C. 1681i ( a ) ( 7 ), which requires credit bureaus to provide consumers with a description of the reinvestigation process upon request. Additionally, this situation also constitutes a violation of 15 U.S.C. 1681e ( b ), which mandates credit bureaus to ensure the maximum possible accuracy of consumer information.

I request that you immediately investigate this matter and remove these inaccuracies from my credit report. Please provide me with a detailed description of the reinvestigation process, as required by law, along with a corrected copy of my credit report once the necessary modifications have been made. 

If these errors are not corrected within the legally required timeframe, I will be forced to escalate this matter to relevant regulatory agencies. 

Please confirm receipt of this letter and provide an update on the status of my dispute as soon as possible. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my report on XX/XX/2025, I noticed that some details are incomplete and incorrect. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy when reporting consumer information. However, the following accounts are not being reported correctly : ( XXXX XXXX  - XXXX ) : The status says open, date last active, balance and date of last payment are all incorrect. 
( XXXX XXXX ) : account has been deleted from Experian, but showing on equifax and transunion. 

( XXXX  XXXX - XXXX ) : This account has been removed from other credit bureaus but still showing on equifax. In accurate. 
( XXXX - XXXX ) : date last active, payments are all incorrect, inaccurate late dates. 
( XXXX ) : account removed from Experian. Needs to delete on equifax and transunion ( XXXX ) account has been removed from Experian, still shows on equifax and transunion. 


On XX/XX/, I sent a letter requesting reinvestigation of these inaccuracies, and here is my tracking number : However, no updates or modifications were made to correct these errors. 

Furthermore, I requested a description of the reinvestigation process, which was not provided to me. This failure to comply violates 15 U.S.C. 1681i ( a ) ( 7 ), which requires credit bureaus to provide consumers with a description of the reinvestigation process upon request. Additionally, this situation also constitutes a violation of 15 U.S.C. 1681e ( b ), which mandates credit bureaus to ensure the maximum possible accuracy of consumer information.

I request that you immediately investigate this matter and remove these inaccuracies from my credit report. Please provide me with a detailed description of the reinvestigation process, as required by law, along with a corrected copy of my credit report once the necessary modifications have been made. 

If these errors are not corrected within the legally required timeframe, I will be forced to escalate this matter to relevant regulatory agencies. 

Please confirm receipt of this letter and provide an update on the status of my dispute as soon as possible. I appreciate your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please request copies of XXXX XXXX, and equifax credit reports. All these credit reports include basically the same information and have false, inaccurate, and misleading information. Some information is old and outdated. 
Over a seven year period, I've continued to see the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX Had an appointment with XXXX XXXX in XXXX XXXX. XXXX XXXX had approved me for XXXX $ for dental work. I was quoted XXXX in dental services. XXXX XXXX gave me XXXX and I paid XXXX in cash. After going to the back and after X-rays the price changed to XXXX and I could not get this done because of the price. I had no work done and still was charged by the dental office. I called alphaeon and they would not remove the charges and in turn put me in for a charge off saying I wasnt likely to pay. I refuse to pay for services I didnt receive. My credit has been defaulted every since then

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FISERV FINXACT CORE
State: MD

Complaint narrative:
Each and EveryTime I try to use my Debit at these ATM Locations it tells me that my money could not be dispensed and no money was took from my account but when I happen to check in my Money Network Bank Account all the money that I was trying to withdraw that I thought was not getting took from my account was being withdrawaled the whole time. This is unacceptable and not the first time this happen to me! I called once in XXXX to file a dispute and the lady told me my dispute was processing but I never heard anything else from the dispute department or about my provisional credit. If my money or provision credit is not returned by XXXX XXXX XXXX, I will get my Civil Rights Lawyer and Trial Lawyer to file a lawsuit against you guys. This is unacceptable and I need my money immediately I have kids and family to take care of and I don't have any money to take care of them because of this. 
Please help me this is over {$1000.00} missing now me and my sons and daughter 's are facing eviction because I could not pay my rent on time which is tomorrow, I am going through hardship and that money was supposed to be used to pay my rent and my rent is due XX/XX/XXXX at XXXX and if I dont have it me and my kids will be homeless

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

Company 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 2025-03-30 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a fraudulent lease on my Experian credit report.. XXXX XXXX XXXX XXXX, XXXX XXXX Account charged off. {$28000.00} written off. {$28000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$28000.00} XX/XX/XXXX XX/XX/XXXX 0 % - {$28000.00} {$23000.00} 36 Months Individual

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 2025-03-30 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a fraudulent lease on my XXXX credit report.. XXXX XXXX XXXX XXXX, XXXX Closed Account charged off. {$28000.00} written off. {$28000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$28000.00} XX/XX/XXXX XX/XX/XXXX 0 % - {$28000.00} {$23000.00} 36 Months Individual

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 2025-03-30 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: LA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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