vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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:
This is my FIFTH and FINAL NOTICE regarding the fraudulent information being reported on my consumer file in violation of FCRA 605B. You have repeatedly failed to comply with your obligations to block this information after receiving a valid FTC Identity Theft Report and supporting documents.

The continued reporting of these accounts and inquiries is damaging, unlawful, and considered WILLFUL NONCOMPLIANCE, which entitles me to seek ACTUAL AND STATUTORY DAMAGES under 15 U.S.C. 1681n. 
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/year>, Balance : {$1800.00} INQUIRIES : Please also ensure that all outdated or inaccurate addresses and aliases are deleted. Only the following should remain : Name : 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 2025-06-13 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-06-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I opened a savings account with Marcus by Goldman Sachs. Due to an error in the account setup, my date of birth is incorrect, and I am now blocked from accessing my funds. I attempted to resolve this through customer service by phone, chat, and email, but received no meaningful response. The issue has caused financial hardship. Im requesting assistance to correct the information and access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: PA

Complaint narrative:
Cash app closed my account and they keep giving me the run around on no specific reason they keep sending me to the cash bot

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: OK

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i have submitted several times, the items requested with signature page. FTC identity theft affidavid, ID and SSC along with account info. I have spoken to customer service who transwers me several times and makes me wait hours on hold. then days later i get a notice saying it's valid when it's not. i've spoken to target finance and they have nothing on me. this has caused me damages and I have consulted with an attorney as now my credit is damaged and I've been denied along with current cards closed.

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 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/year>, I rented a car from XXXX and paid a {$310.00} deposit or hold using my debit card. After I returned the vehicle, that {$310.00} was refunded back to my account, and I believed everything was settled. 

Then, on or around XX/XX/year>, XXXX charged my account again for {$310.00} without any warning, invoice, or explanation. This unexpected charge caused my account to overdraft by more than {$500.00}. 

I called XXXX to ask why I was charged again, and they told me it was for the last week of the rental but I was never shown a breakdown of charges or told I would owe anything beyond the original deposit. I was not given any written agreement, final receipt, or notice of a new charge before they withdrew the money. 

I believe this charge was unauthorized or unfair, especially since the refund had already been processed and I received no notice. I am disputing the charge through my bank, and Im now facing financial hardship and overdraft fees due to XXXX actions. 

Im requesting that this charge be reversed and that the company provide a clear explanation of why this money was taken after the rental was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-06-13 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: WA

Complaint narrative:
Heres a fully detailed CFPB complaint statement you can copy and paste for the XXXX XXXX XXXX account dispute. It uses FCRA and FDCPA legal references and includes the fact that the account was paid in full this week. 



Complaint Statement : I am submitting a complaint regarding XXXX XXXX XXXX for inaccurate and unlawful reporting of a charged-off account that was paid in full this week. 

The account ( ending in XXXX ) continues to show a balance of {$3700.00} as of XX/XX/XXXX, marked as charged off. The account is also being reported every single month since XXXX  with derogatory marks ( CO ), even though it was closed years ago and is now paid. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) for the following reasons : 1. Illegal Re-Aging of Account The account shows consistent monthly CO ( charge-off ) marks from XXXX through XXXX. This is a form of re-aging, which falsely gives the impression that the account is continuously delinquent, even though the last payment was on XX/XX/XXXXXXXX  and the account has been closed since XX/XX/XXXX. 
This violates FCRA 605 ( c ), which prohibits furnishing outdated or misleading account statuses.

2. Failure to Update After Full Payment The account was paid in full this week, yet the credit report still shows a charged-off status with the full balance owed. This violates : FCRA 607 ( b ) requiring maximum possible accuracy in reporting FDCPA 807 ( 2 ) ( A ) which prohibits misrepresenting the character, amount, or legal status of a debt FCRA 611 requiring prompt correction or deletion of disputed, inaccurate, or outdated information 3. Continued Harm to Consumer This account is being reported inaccurately with a high past-due amount and repeated charge-off status even after resolution. These continued monthly updates damage my credit score and mislead 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 non-monetary relief
Consumer complaint received 2025-06-13 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: WA

Complaint narrative:
Heres a fully detailed CFPB complaint statement you can copy and paste for the XXXX XXXX XXXX account dispute. It uses FCRA and FDCPA legal references and includes the fact that the account was paid in full this week. 



Complaint Statement : I am submitting a complaint regarding XXXX XXXX XXXX for inaccurate and unlawful reporting of a charged-off account that was paid in full this week. 

The account ( ending in XXXX ) continues to show a balance of {$3700.00} as of XX/XX/XXXXXXXX marked as charged off. The account is also being reported every single month since XXXX with derogatory marks ( CO ), even though it was closed years ago and is now paid. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) for the following reasons : 1. Illegal Re-Aging of Account The account shows consistent monthly CO ( charge-off ) marks from XXXX through XXXX. This is a form of re-aging, which falsely gives the impression that the account is continuously delinquent, even though the last payment was on XX/XX/XXXXXXXX  and the account has been closed since XX/XX/XXXX. 
This violates FCRA 605 ( c ), which prohibits furnishing outdated or misleading account statuses.

2. Failure to Update After Full Payment The account was paid in full this week, yet the credit report still shows a charged-off status with the full balance owed. This violates : FCRA 607 ( b ) requiring maximum possible accuracy in reporting FDCPA 807 ( 2 ) ( A ) which prohibits misrepresenting the character, amount, or legal status of a debt FCRA 611 requiring prompt correction or deletion of disputed, inaccurate, or outdated information 3. Continued Harm to Consumer This account is being reported inaccurately with a high past-due amount and repeated charge-off status even after resolution. These continued monthly updates damage my credit score and mislead potential lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: LA

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

1681c-2 ) that you, the XXXX 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 Address : XXXX XXXX XXXX XXXX XXXX LA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/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 non-monetary relief
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX responded to my complaint about them reporting inaccurate information on my credit report. They attached a debt validation letter saying they found me liable for the debt. After reviewing the document, I noticed some inaccurate information on the papers, which I will list and attach to this complaint. Please fix this situation before I have an attorney file a lawsuit for the damages they caused on my credit report. I have also sent this information to the attorney general office in Georgia

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 2025-06-13 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: GA

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX responded to my complaint about them reporting inaccurate information on my credit report. They attached a debt validation letter saying they found me liable for the debt. After reviewing the document, I noticed some inaccurate information on the papers, which I will list and attach to this complaint. Please fix this situation before I have an attorney file a lawsuit for the damages they caused on my credit report. I have also sent this information to the attorney general office in Georgia

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 2025-06-13 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: TN

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-13 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: AL

Complaint narrative:
On my credit report there is a frivolous contract between myself and LVNV FUNDING LLC dated XX/XX/year>, in the amount of {$570.00}. I never received or accepted a clear offer from LVNV FUNDING LLC. I never created a legally binding contract with myself and LVNV FUNDING LLC. This frivolous account or contract needs to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I requested Debt Validation on XX/XX/year>XXXX  from XXXX XXXX XXXX XXXX. They had 30days to send such information and still to this day XX/XX/year>XXXX  have failed to do so. This is a clear violation of the consumer the Fair Debt Collection Practices Act. I requested Debt Validation in Writing and sent it to them with a certified mail receipt attached. I am requesting that this account be removed immediately for as this account in hendering my credit report. I also mailed a letter to XXXX, XXXX, and Equifax requesting this item to be deleted because there is no proof that this account is in fact mine. They have also failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CL Holdings LLC
State: VA

Complaint narrative:
On XX/XX/year>, I noticed an unfamiliar account appearing on my credit report that had been placed for collection. I did not authorize this account, and I have never had any dealings with the company involved. The account appears to have been opened using my personal information without my knowledge or consent. 

I immediately contacted the creditor to request information regarding the account, hoping to find out who used my credit and where. However, they informed me that they could not provide any details because the account was not listed under my name. 

I have never applied for credit with this company and believe this is a clear case of identity theft. 
Original creditor name : JEFFERSON CAPITAL SYSTEMS XXXX Opened : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National credit systems the amount is XXXX. XX/XX/scrub> 2019. The vault at XXXX. Its on my credit i never lived here before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: AL

Complaint narrative:
There is a frivolous contract on my credit report dated XX/XX/year> in the amount of {$730.00}, between myself and LVNV FUNDING LLC. I never received or accepted a clear offer from LVNV FUNDING LLC. I never created a legally binding contract between myself and LVNV FUNDING LLC. This account or contract needs to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: KS

Complaint narrative:
TransUnion is reporting an inquiry on my credit report from XXXX XXXX. I did not apply for credit either them

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 2025-06-13 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: LA

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX  UNAUTHORIZED INQUIRIES 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