vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TN

Complaint narrative:
. am writing to formally request a review of my student loan records in light of potential FERPA violations that may have impacted my loan eligibility, terms, or disbursement. Under FERPA, I have the right to privacy and accurate record-keeping regarding my educational history.

Upon reviewing my records, I have identified discrepancies/misuse of my educational information, including but not limited unauthorized release of education records, or errors ] In accordance with FERPA regulations and consumer protection laws, I request:1. A full review of my student loan records and ans,404 errors caused by improper record-keeping or EffectisGreen Screen Video tion or deletion of any XXXX disbursement, unauthorized release of education records. 

misuse.2.

A correction or deletion of any inaccurately reported loan amounts or disbursements.3. Written confirmation of the t findings of this review within 30 days of receipt of this letter.If this matter is not resolved, I am prepared to escalate my complaint to the XXXX Department of Education XXXX XXXX XXXX XXXX XXXX and file a XXXX complaint with th Family XXXX XXXX XXXX XXXX ( FPCO ) XXXXPlease confirm receipt of this request and provide guidance on the next steps. You may contact me at XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
In accordance with 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ), I am asserting that my rights have been violated due to unlawful communications made by a third-party debt collector regarding an alleged debt now appearing as a collection account on my credit report.

I have not provided consent, no bilateral contract exists, and I have not received any lawful notice of debt validation as required under 15 U.S.C. 1692g. This activity has taken place without proper legal authority, consent, or verification.

These actions constitute a willful violation of my consumer rights under federal law. I am formally requesting that the Consumer Financial Protection Bureau investigate this matter and that the subject collection entry be immediately removed from my credit report as it is being reported unlawfully and without basis in fact or law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Applied Data Finance, LLC
State: KY

Complaint narrative:
This account was XXXX and sold years ago, with a {$0.00} balance reported as of XX/XX/year>. Despite that, it continues to report derogatory and damaging payment activity across multiple credit bureaus. It simultaneously shows XXXX days late, paid profit and loss, charge off, and purchased by another lender. These conflicting remarks are inaccurate, misleading, and create confusion for creditors and scoring models. 

There is no justification for a closed, paid-off account with a {$0.00} balance to still be reporting late payments or charge-offs XXXX years after closure. This is a clear case of negligent and outdated reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is a follow-up complaint involving XXXX inaccurately reported late payments appearing on my Equifax credit XXXX. The XXXX  XXXX account ending in XXXX * * * * is reporting a late payment from XX/XX/XXXX, and the XXXX  account ending in XXXX * * * * is showing a late entry from XX/XX/XXXX. Both accounts reflect a {$0.00} balance and no amount past due, which clearly contradicts the presence of any legitimate delinquency. Despite submitting previous disputes, Equifax continues to report these items without providing sufficient evidence or verification from the creditors involved. These unresolved inaccuracies are damaging my credit profile without merit. 

Equifax is legally obligated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to reinvestigate disputed entries and ensure the accuracy of the information reported under 15 U.S.C. 1681e ( b ). In addition, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifaxs repeated failure to conduct proper investigations into disputes. Specifically, the CFPB found that Equifax engaged in sham investigations and violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to follow through on required reinvestigation procedures. Under 15 U.S.C. 1681 ( a ) ( 5 ), Equifax is also required to delete or correct any item that can not be verified. To date, Equifax has not produced any original or itemized documents that would justify the continued reporting of these late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I transferred money from my XXXX XXXX  account ending card in XXXX. To my XXXX  cash app account. From there I transferred the money from my XXXX cash app account to my XXXX  cash app account. From there I transferred the money to my XXXX XXXX  card ending in XXXX it started out as {$140.00} and with these it came out to XXXX. XXXX That was supposed to be deposited in my XXXX card ending in XXXX. So I talked to the bank with the card and the in XXXX, and they said the transfer didn't go through because of a a bad expiration date. I know the expiration date was good because I've used it to transfer before to the same account. I think cash I've had a glitch in their system because they think they were sending {$130.00} but they were only sending {$130.00}. XXXX cash up couldn't explain where the money was. I called XXXX different people XXXX of them wouldn't even help me because he couldn't pull up my account. To just flat out said I don't know and stop helping me. The money showed up in my XXXX cash app account for XXXX minutes and then disappeared again they said it was in my XXXX  account but it's not there. They don't know what to tell me and I don't think they care. They just get sick of looking for an answer so they stop looking. So there's no confusion I'm talking about cash app who lost my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is a formal follow-up regarding the inaccurate and misleading personal information reported on my Equifax credit file. Equifax is currently listing my name as XXXX XXXX XXXX, which is not a valid or complete representation of my legal name. The inclusion of this version of my name raises concern, as it may reflect an error resulting from a file merger, data cross-contamination, or previous data security lapses. I have disputed this with Equifax previously, yet the inaccurate name variation remains on file without any supporting documentation or justification for its continued presence. 

Equifax is legally required under 15 U.S.C. 1681e ( b ) to maintain reasonable procedures to assure the maximum possible accuracy of the information it includes in consumer reports. Additionally, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a reasonable reinvestigation when a consumer disputes any item on their report. The ongoing appearance of an incorrect name, especially XXXX that may be contributing to mixed-file issues, is harmful to my credit reputation and may cause lenders to question the validity of my identity. These types of errors are not only unacceptable but may also be the result of Equifaxs past failure to safeguard consumer information, as highlighted in recent CFPB actions.

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

Complaint narrative:
LVNV Funding LLC is inaccurately reporting an account that was originally owned by XXXX XXXX Bank, XXXX, yet is falsely listing themselves as the original creditor on some reports, including XXXX XXXX. This is deliberately misleading and violates the Fair Credit Reporting Act ( FCRA ). Additionally, they are labeling this account as a factoring company account, which is inaccurate and deceptive in the context of a charged-off consumer credit card. The account shows a balance despite being marked as charged-off and sold. This is harmful, misleading, and constitutes continued re-aging and misrepresentation of the debt. 

I have disputed this account directly with the credit bureaus and with LVNV, yet the account continues to be updated and reported with false, outdated, and incomplete information across multiple credit bureaus. This is not only inaccurateits abusive reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because XXXXXXXX XXXX is reporting false and inaccurate information to Experian, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically : My account with XXXXXXXX XXXX was officially closed on XX/XX/year>, as confirmed in writing by the bank. 

However, XXXX is falsely reporting that the account remained open until XX/XX/year>. 

Even more troubling, they are reporting late payments for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXXXXXX XXXX  months after the account had already been closed. 

This is factually and legally incorrect, and it is damaging my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I'm writing to dispute an item on my credit report that is incorrect and needs to be addressed immediately. After reviewing my report, I found information that either doesnt belong to me, is inaccurate, or was added without proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hunt & Henriques
State: CA

Complaint narrative:
Recieved a letter dated XX/XX/XXXX notifying me of attempt to collect on XXXX XXXXXXXX XXXX XXXX debt. 

responded XX/XX/XXXX with debt verification request, asking for : ... provide a complete accounting of the debt you claim I owe within 30 days of your receipt of this letter. This proof must include, and is not limited to : The complete and signed contract for the debt obligation which is the subject matter of this dispute ; An itemized breakdown of what you claim the money is owed for ; Explain and show me how you calculated the amount in dispute ; Provide me with copies of any documents, ledgers, spreadsheets, etc., that show that I agreed to pay the amount you claim that I owe ; Identify the original creditor ; Identify and accurately describe any third-party costs for which you are charging me, and that you have included in the disputed amount along with a complete itemization of all such charges ; and Provide me with an affidavit that the Statute of Limitations has not expired on this account. 
Information About Your Authority to Collect This Debt Whether your firm has a debt collection license in my state. If not, explain why. If so, provide the date of the license, the name on the license, the license number, and the contact information of the agency that issued the license ; and Whether you are contacting me from a location outside of my state and whether you have a debt collection license from that location, including the license number and the contact information of the agency that issued the license. 

XX/XX/XXXX, received Packet dated XX/XX/XXXX containing ONLY account statements dated from XX/XX/XXXX, through XX/XX/XXXX. Missing numerous items required for verification. 

XX/XX/XXXX, received Intent to XXXX letter from firm ( dated XX/XX/XXXX, Postmarked XX/XX/XXXX. ) XX/XX/XXXX on advice from legal advisor sent them response letter informing them of their delinquent/missing debt verification. Also advised I contact you on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian fraudulent notified the other credit bureau to place a fraud alert on the credit report that was not authorized by me.

1. This is my last time telling you to correct that credit now and score, and never again manual manipulate my account.

1. You need to complete the previous request and use your soft story of white, or whatever else presentment, youre displaying to believe that you have the right to cause errors on the intimate necessity of credit. 

You have no right to cost that company any money for a lawsuit with the number of times that I have requested for you to fix the errors, and you have no business playing any type of games or unprofessional jokes by engaging in fraudulent activity such as manipulating the alert status with my reports. 

This isy last time telling you next I will file a lawsuit in federal court, and you will pay for the things that I missed in my youth and adult life for the last phase to be appropriate and normal. 

I am not joking.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is a follow-up complaint concerning multiple inaccurate previous addresses being reported on my Experian credit file. Specifically, Experian is reporting XXXX outdated or incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX with a reported date of XX/XX/year> and XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX a reported date of XX/XX/year>. I have disputed these addresses before and made it clear that they do not belong in my file as they are not verifiably tied to any credit transaction or legitimate activity that I personally initiated. Despite my previous efforts to have them removed, Experian continues to retain and report these addresses, which compromises the integrity and accuracy of my credit report. 

Under 15 U.S.C. 1681e ( b ), Experian has an obligation to ensure that all information they report is accurate and pertains only to the consumer in question. Furthermore, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires Experian to conduct a reasonable reinvestigation when a consumer notifies them of disputed data. The continued presence of these inaccurate addresses may be the result of mixed files or erroneous data inclusion stemming from known vulnerabilities in Experian 's data handling practices, particularly in light of previous breaches. These errors not only create confusion but also expose me to unnecessary risk, especially if used for credit verification purposes by potential lenders.

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