vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have disputed the payment history of my XXXX account numerous times with Experian and Trans Union credit bureaus with no proof of verification given. TransUnion is reporting XXXX days late for the months of XXXX and XXXX of XXXX and XXXX days late XXXX of XXXX  Experian is marking the same account XXXX days late XXXX and XXXX of XXXX  and XXXX days late XX/XX/year>. 

This is inaccurate reporting and needs to be updated. Being as though both bureaus have the same furnisher, how can this be reported accurately? I demand that all payments be updated to paid on time as neither bureau can prove correct payment history. 

The XXXX days late payment for both TransUnion and Experian both reported after a report on on time so how can you go from on time to XXXX days? 

I demand all payments to be updated paid on time for both Trans Union and Experian credit reporting agencies for my XXXX account! This can not come back verified for the third time with evidence that the reporting is inaccurate. The only option is to update to paid on time

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 2025-04-15 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Date : XXXX Subject : Credit Report Dispute Fraudulent Activity and Identity Theft Related to Equifax Data Breach Dear Experian Dispute Department, I am writing to dispute inaccurate and potentially fraudulent information on my consumer credit report. According to official documentation from the Equifax Data Breach Settlement website ( see attached ), my personal information was impacted by the breach. As a result, I suspect that some of the accounts or inquiries on my credit file may have resulted from identity theft. 

Due to this breach, I have experienced the following financial impacts : Unauthorized inquiries and/or accounts appearing on my report. 

Negative effects on my creditworthiness. 

Financial loss due to time and effort spent securing my identity. 

I am requesting. 

Immediately investigate the disputed information. 

Remove or correct any inaccurate, unverifiable, or fraudulent items. 

Provide a written explanation of the investigation results. 

Add a fraud alert or initiate a security freeze on my credit profile for protection. 

Enclosed you will find : A screenshot from the official Equifax Data Breach Settlement website confirming my exposure. 

A copy of my government-issued ID. 

Proof of address ( e.g., utility bill, bank statement ). 

A copy of my recent credit report ( if applicable ), with disputed items highlighted. 

This dispute is being filed under the Fair Credit Reporting Act ( FCRA ), and I request a response within 30 days, as required by federal law. 

Communitywide fcu. # XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX Thank you for 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 2025-04-15 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Date : XXXX Subject : Credit Report Dispute Fraudulent Activity and Identity Theft Related to Equifax Data Breach Dear Experian Dispute Department, I am writing to dispute inaccurate and potentially fraudulent information on my consumer credit report. According to official documentation from the Equifax Data Breach Settlement website ( see attached ), my personal information was impacted by the breach. As a result, I suspect that some of the accounts or inquiries on my credit file may have resulted from identity theft. 

Due to this breach, I have experienced the following financial impacts : Unauthorized inquiries and/or accounts appearing on my report. 

Negative effects on my creditworthiness. 

Financial loss due to time and effort spent securing my identity. 

I am requesting. 

Immediately investigate the disputed information. 

Remove or correct any inaccurate, unverifiable, or fraudulent items. 

Provide a written explanation of the investigation results. 

Add a fraud alert or initiate a security freeze on my credit profile for protection. 

Enclosed you will find : A screenshot from the official Equifax Data Breach Settlement website confirming my exposure. 

A copy of my government-issued ID. 

Proof of address ( e.g., utility bill, bank statement ). 

A copy of my recent credit report ( if applicable ), with disputed items highlighted. 

This dispute is being filed under the Fair Credit Reporting Act ( FCRA ), and I request a response within 30 days, as required by federal law. 

Communitywide fcu. # XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

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 2025-04-15 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have disputed the payment history of my XXXX account numerous times with Experian and Trans Union credit bureaus with no proof of verification given. TransUnion is reporting XXXX days late for the months of XXXX and XXXX of XXXX and XXXX days late XXXX of XXXX  Experian is marking the same account XXXX days late XXXX and XXXX of XXXX  and XXXX days late XX/XX/year>. 

This is inaccurate reporting and needs to be updated. Being as though both bureaus have the same furnisher, how can this be reported accurately? I demand that all payments be updated to paid on time as neither bureau can prove correct payment history. 

The XXXX days late payment for both TransUnion and Experian both reported after a report on on time so how can you go from on time to XXXX days? 

I demand all payments to be updated paid on time for both Trans Union and Experian credit reporting agencies for my XXXX account! This can not come back verified for the third time with evidence that the reporting is inaccurate. The only option is to update to paid on time

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 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to do a person-to-person transfer through Cash app. For {$280.00}. That failed, so I sent the {$280.00} to this person as XXXX stock. However the recipient was not able to accept the transfer or decline it. I contacted cash app and requested that that charge be transaction be refunded and they said that they can't do that but after XXXX weeks the transaction will reverse and the funds will be applied back to my account. On XX/XX/XXXX which would've been the XXXX weeks I attempted to contact cash app and have them return those funds, but they said that the stock purchase was never processed and that it would be a pending charge of my bank that would just drop off. I informed him that it was not through my bank but from my cash app balance that that the stock was gifted. They kind of argued back-and-forth me that saying that it was never processed but then I sent him screenshots showing that the process did go through the {$280.00} was removed from my account. Since that time I have not heard back from anybody in that department. I've contacted cash app several times trying to speak with anybody who could help me but they keep saying they have to have this department contact me. It has been XXXX days and I still can not get an update from Cash app or any information regarding my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Tx XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Tx XXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX XXXX LVNV Funding LLC Attn : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX RE : Cease and Desist Demand Debt Collection Dear CFPB, I am writing to formally request that LVNV Funding LLC cease and desist any and all collection activities in connection with the alleged debt referenced under account number XXXX. I dispute the validity of this debt and assert that I do not owe any amount to LVNV Funding LLC. 

I am requesting that they immediately halt any further communication with me regarding this matter, including phone calls, letters, and any other form of contact. Please consider this letter as my formal demand for that company to stop all collection efforts, as I believe that this debt is either not mine or is being incorrectly attributed to me. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute the validity of this debt and request verification. They have not provided me with. 
XXXX. A detailed validation of the alleged debt, including a copy of the original agreement or contract. 
XXXX. The full name and address of the original creditor. 
XXXX. The amount of the alleged debt and an itemized statement. 

I have requested that this collection is to be removed with any negative reporting regarding this alleged debt from my credit file and cease any further collection actions. 
Thank you for your immediate attention to this matter. I expect written confirmation that you have received and are complying with my request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
I am the account holder of a credit card issued by Indigo ( issued under XXXXXXXX XXXX managed by Concora Credit ). I was denied access to my account for several months due to a false and unauthorized designation of legal representation. 

I never hired or authorized anyone to act on my behalf. I received no notice that my online access would be restricted, and I was not receiving physical mail for a period of time. As a result, I had no way to manage my account except by phone, which created major delays and confusion. 

When I finally reached a representative, they stated that the legal representation status was applied simply because I had previously expressed dissatisfactionnot due to any actual legal action or third-party representation. 

They refused to provide written documentation of this decision. This mislabeling directly impacted my ability to make payments, added unnecessary barriers to managing the account, and may negatively affect my credit. 

I have since regained access to the account, but only after challenging the status directly. I have a recording of the call available upon request and am requesting a formal investigation, removal of any legal representation status from my record, and correction of any related credit reporting issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I am reporting multiple fraudulent accounts and inquiries appearing on my credit reports with TransUnion, Experian, and Equifax. These accounts were opened without my knowledge or consent. They include accounts listed under XXXX XXXX XXXX XXXX XXXXXXXX ( 2 accounts ), and XXXX XXXX XXXXXXXX. I have no relationship with these entities and never authorized any financial activity connected to them. 

Additionally, several hard inquiries were made without my authorization, including from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX among others. These inquiries are affecting my credit score and were not initiated or permitted by me.

These accounts and inquiries are damaging my creditworthiness and blocking my ability to qualify for a mortgage. Ive never signed any agreement or document for these accounts, nor provided my personal identification for these applications.

I have requested the credit bureaus to delete these accounts under the FCRA, 15 U.S. Code 1681s2, and 12 CFR 1022.43, but they have failed to respond with adequate investigation and validation.

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 2025-04-15 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: GA

Complaint narrative:
THIS ACCOUNT IS BEING WRONGFULLY REPORTED. THE ORIGINAL CREDITOR SAID THE ACCOUNT IS STILL UNDER INVESTIGATION. EXPERIAN CLAIMS THEY NEVER GOT AN FTC FROM ME SO I AM ATTACHING THE ORIGINAL REPORT ALONG WITH AN UPDATED REPORT. 
I am writing to file a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ).

I previously disputed an account on my credit report, which was found to be inaccurate and subsequently removed. However, this account has been reinserted into my credit report without any notification from Experian within the required four business days.

This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. 
I have already attempted to contact Experian regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that Experian complies with FCRA regulations and corrects this issue 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 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: AR

Complaint narrative:
My personal and financial data was compromised violating FERPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-15 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: CLGF Holdco 1, LLC
State: OK

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App Inc has failed to provide on several occasions a full investigation of fraud and unrecognized payments. I have not received my money back from claims I put in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MS

Complaint narrative:
Experian has listed a fraudulent debt on my credit report. I have since requested proof that this debt belongs to me. Experian has refused to provide any proof whatsoever. Experian must be shut down. None of its customer service representatives are within the United States. The language barrier is impossible. They also do not demand proof of the debt from the business. Experian must be sued.

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