vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: PA

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Resurgent Capital Services L.P.
State: VT

Complaint narrative:
XXXX XXXX XXXX sold my account to resurgent capital service for collections. I have the right to a validation letter. All they have send me so far is a bill, telling me it is an attempt to collect.this account is not behind on payments nor are the other 2 accounts that I have with XXXX XXXX XXXXall of them are closed. By XXXX XXXX XXXX. They charged me a fee for making payments on the cards. When it should have been Free.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I XXXX XXXX did not have acknowledgement for this inquiry on my report and I did not give this company consent to authorize my credit report on either of my accounts XXXX XXXX XXXX XXXX, I request for this account to be removed from all 3 of my credit report. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to bring to your attention a serious contradiction in their responses and have submitted a second formal complaint as a result. 

On XX/XX/year>, Equifax mailed me a letter stating that they could not locate a credit file for me due to insufficient identity verification. They specifically requested that I submit identification documents before they could proceed with my dispute. 

However, on XX/XX/year>, Equifax responded to my CFPB complaint claiming they had completed an investigation and verified the disputed accounts as belonging to me. They also stated that certain accounts had been updated or marked as paid as agreed, with no supporting documentation provided. 

This is a clear and unacceptable contradiction. If they could not verify my identity as of XX/XX/year> they could not have lawfully verified ownership of any credit accounts by XX/XX/year>. No reinvestigation should have occurredor been considered validwithout first confirming my identity. 

Furthermore, Equifax has failed to provide any actual proof or documentation explaining how they verified the accounts in question, which is required under the Fair Credit Reporting Act ( FCRA ). Their vague response to the CFPB offers no evidence or transparency. 

I have since submitted the requested identity verification documents and mailed a new dispute to Equifax demanding a proper reinvestigation. However, I am requesting that : The CFPB review XXXX inconsistent and improper handling of this dispute. 

Equifax be required to provide actual documentation showing how and from whom the disputed accounts were verified. 

The original dispute be reopened and reinvestigated using the proper, verified identity now on file. 

Thank you for your assistance in holding Equifax accountable for complying with federal law and ensuring consumer protections are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: CA

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I finished a loan with this company last year. A week ago I get a report stating that this account is currently 30 days past due. I reached out to company and they stated I was 31 days past due when I made my final payment ( which was on auto pay so I didn't decide if I paid on XXXX date or XXXX they did ) and that they reported it a year later because of system maintenance. If that is correct it should not be reporting as currently 30 days late anyways as this supposedly happened a year ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached 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 explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached 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 2025-06-11 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian 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 explanation
Consumer complaint received 2025-06-11 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: NJ

Complaint narrative:
This is my third written dispute regarding the false 30-day late payment entries reported for XXXX and XX/XX/year> on my installment account ( Acct # ending in XXXX XXXX XXXX XXXX XXXXXXXX ). Your continued failure to correct these inaccuracies violates 15 U.S.C. 1666, FCRA 611 ( 15 U.S.C. 1681i ), and FCRA 623 ( 15 U.S.C. 1681s-2 ).

Per 1666, once a billing error is disputed, you are prohibited from reporting it as delinquent unless it's fully verified. You have failed to provide lawful proof of delinquency. Continued false reporting after multiple written disputes is not just negligentits unlawful. 
If this matter is not resolved within 10 business days, I will be filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX XXXX and my state attorney general. I will also consider pursuing legal action for willful noncompliance. 
Fix this. Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
Complaint Summary Against Concora Credit On or about XX/XX/XXXX, I retained XXXX XXXX XXXX to assist in negotiating my outstanding debts, including a {$470.00} balance on a Milestone Credit Card issued by Concora Credit. I also held a separate Destiny Credit Card, also issued by Concora. 

Shortly after retaining XXXX XXXX XXXX, Concora froze both accounts, preventing me from accessing or managing them, including stopping recurring payments. As a result, I was unable to cancel an automatic payment on the Destiny Credit Card, which I ultimately paid off in full $ XXXX XX/XX/XXXX. 

However, in XX/XX/XXXX, Concora debited {$250.00} from my checking account without my authorization. I contacted Concora, and the issue was resolved by applying the {$250.00} to the Destiny Credit Card, leaving a {$56.00} balance plus {$3.00} in interest. I paid the remaining balance, and the Destiny  account was paid in full by XX/XX/XXXX. 

Despite the Destiny account being closed and paid off, Concora accessed my checking account again on XX/XX/XXXX, XXXX my authorizationand withdrew {$150.00}, allegedly toward the Milestone Credit Card, which was under negotiation through XXXX XXXX XXXX. My bank reversed this unauthorized transaction on XX/XX/XXXX. 

In response, Concora incorrectly applied the reversed {$150.00} amount to the Destiny Credit Card  account, which had a XXXX balance, had been paid off, and was no longer active. This action was unauthorized, misleading, and appears to be an improper internal transfer to circumvent the legitimate negotiation of the Milestone account. 

Requested Resolution : I am requesting that Concora Credit immediately remove the {$150.00} balance erroneously applied to my closed Destiny Credit Card account and ensure no future transfers or charges are made across accounts without my express consent. I closed the Destiny account specifically to prevent further unauthorized activity and expect no further charges or adjustments. 

I have attached supporting documentation showing the disputed transactions and bank reversals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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 deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MS

Complaint narrative:
My name is XXXX XXXX. I previously lived at XXXX XXXX XXXX XXXX Ohio XXXX. So There has been Fraud done Against me That Left me Homeless and Unable to Do banking and Business with Online Banks or Even Have others Pay Me. So First CashApp and XXXX Have Never Allowed Funds From Others To Reach me In The Last 7-8 Years. And With Obama Phone phone Number Changing it Hindered Communication From Ever getting To me. I also Believe Social security Fraud Has Been Done Against Me. As I Was Ruled Incompetent in XXXX  But Never Received payment or even With The Fraud ( CashApp and Such ) I Would Not Complain or Submit a Complaint. So XXXX XXXX and Even Snap Pay where I Would Have Received Food Money Never Reached Me and The Phone Application was always Difficult in XXXX Ohio. I know XXXXXXXX XXXX is Different and an investment but Because of Loss of Phone numbers and Even my Home/ changing of Address i have Not been Able To Access money Owed to Me. I Believe there also has Been a Death in Which a Family member Died and I Was not Contacted By The Person In Charge of Distribution of Funds. Mail has Been a Big Problem as my Father and Ex Wife mother Both Worked at The Post office but Never Helped Alleviate issues with mail. Anyway I know this is a lot. I have XXXX account XXXX XXXX XXXX XXXX XXXX This is The BEST one to Reach me. Past XXXX of XXXX. ok So also I Had a post office box XXXX in XXXX XXXX. And XXXX in XXXX Ohio. Neither Were successful in me receiving Business Mail. I'm Currently in XXXX Mississippi at a Homeless Shelter XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mississippi. I also Visit A opportunity Center on XXXX XXXX. I Believe I have Family from XXXX Mississippi in Regards To the Death. And I'm Unaware if my Daughter XXXX XXXX XXXX is Alive. Anyway this is a lot and as a Spiritual Man of XXXX it's Stressful doing So much to Help people on XXXX, XXXX XXXX, XXXX, and XXXX with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$530.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$250.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NY

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against TransUnion, equifax and Experian under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, due to their failure to properly investigate and remove unverifiable and inaccurate information from my credit report.

I submitted a formal written dispute to TransUnion, equifax and Experian along with all required identification documents, including my government-issued ID, Social Security card , and proof of address. Despite this, the following issues remain unresolved : TransUnion, equifax and Experian and failed to delete unverifiable or inaccurate information within the 30-day time frame required by law. 
I did not receive confirmation that a reasonable investigation was conducted. 
In some cases, previously deleted items were reinserted into my report without proper certification of accuracy, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

I did not receive the required written notice of reinsertion within five business days. 

These actions constitute violations of my rights under the FCRA, and I am requesting the CFPBs assistance in holding TransUnion accountable for their failure to comply with federal law. 

Desired Resolution : Immediate deletion of all unverifiable and inaccurate accounts from my credit report. 
Written confirmation that TransUnion conducted a proper investigation. 
Confirmation that any reinserted items were certified as accurate by the furnisher and that proper notice was provided. 

I have attached a copy of my original dispute letter, identification documents, and supporting images of my credit report. 

Thank you for your time and attention to this matter. I am available to provide any additional documents or clarification as needed. 

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