vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: MO

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2025-06-24 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
the account doesn't belong to me, its identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: OH

Complaint narrative:
Dear CFPB, I am writing to request your assistance with an issue concerning my credit report with Experian. My name is XXXX XXXX XXXX, and I am a victim of identity theft. I am submitting an FTC report that substantiates my status as a victim. 

Under the law, I request that the erroneous items on my credit report be blocked within the required four-day timeframe. It is crucial that my credit report reflects accurate information to prevent further harm to my credit standing. 

Thank you for your attention to this matter. I appreciate any assistance you can provide in helping me resolve this issue promptly. 

Sincerely, 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 2025-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Nelnet has blocked my account access for over a year while continuing to withdraw payments. I qualify for PSLF ( working in public service since XXXX  ) but have been denied forgiveness. They have ignored my disputes and misreported payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against SEQUIUM regarding an account I have with them XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : SEQUIUM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$67.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with SEQUIUM buttonoavail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: SC

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: SC

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy.

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 2025-06-24 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:
This letter serves as my FOURTH FORMAL NOTICE regarding inaccurate personal information appearing in my consumer report maintained by youre a organization. I have previously submitted XXXX notices. 

Despite my repeated requests, the inaccurate inf " ormation remains uncorrected. This constitutes a continued violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires consumer reporting agencies and furnishers to conduct a reasonable reinvestigation when a dispute is submitted by a consumer.

I am enclosing supporting documentation once again for your review, including [ list any documents : copies of previous disputes, proof of payment, identity theft report, etc. ].

Under the FCRA, you are obligated to : 1. Investigate the dispute within 30 days ( or 45 days under certain conditions ) ; 2. Notify the furnisher of the dispute ; 3. Correct or delete inaccurate, incomplete, or unverifiable information ; and 4. Provide me with the results of your reinvestigation.

To date, you have failed to comply with these obligations. Your continued failure to address these inaccuracies may be deemed willful noncompliance, subjecting your organization to civil liability under 15 U.S.C. 1681n and statutory damages, punitive damages, attorneys ' fees, and actual damages under the law.

Demand : I am demanding the following : - Immediate deletion or correction of the disputed information ; - Written confirmation of such correction within 15 days of receipt of this letter. 
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 2025-06-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: CARD Corporation
State: CA

Complaint narrative:
The account was restricted after the prepaid card service was erroneoudy closed after Director fepsit was transferred into the online checking account linked to the card XXXX. After 180 days the card services vompany ( CardXXXX ) was to send a Check for the balance ( {$1100.00} ) was never sent and would not provide tracking mumber. The CARDXXXX XXXXXXXX Customer service representative demands I provide Social Security card, Drivers License and a bill to verify MY idemtity when I logon to the online Accoubt with credentials.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
My PayPal account got permanently restricted, meaning I can not withdraw the funds I have left inside. 
On XX/XX/XXXX, I received a payment from a company which I have agreed on a collaboration with to do an ad on XXXX. Shortly after receiving the payment, paypal asked me to provide infos about this transaction. Then within seconds after I offer the details, they restricted my account. 
For these couple of weeks, I keep contacting their customer support, telling them that this is a mistake, everything I did was legit. Yet not only will they NOT tell me which policy I've violated, they also said that this action can not be fixed. Although there are countless people getting their accounts back before, I know they have the authority to do so. 
This problem does not only happen to me, after my research I found out so many people with in the same situation. 
Paypal does not have the right to do this to us! 
This has no difference then stealing my money, which I have earned LEGITIMATELY. 
Please help me get my account and money back, I have no other ways to solve this. thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Ongoing FCRA Violation by Early Warning Services ( EWS ) Dear CFPB, I am submitting this complaint as a continuation and escalation of my prior filing ( Complaint ID : XXXX ), due to Early Warning Services persistent failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 1681i.

Despite repeated requests for documentation and clarification, Early Warning continues to report disputed information under my name without providing or confirming any verifiable evidence. They have admitted in multiple communications including their most recent response dated XX/XX/year> that they do not have access to the original account documentation and can not confirm whether XXXX XXXX XXXXXXXX submitted any proof. 

Nevertheless, they continue to publish this unverified information to financial institutions. Redirecting me to the bank does not exempt EWS from their legal obligations under the FCRA. As such, I request that the CFPB intervene and require EWS to delete this unverifiable data from my consumer record immediately. 

For reference, I have also submitted a formal complaint with the New York Attorney Generals Office ( XXXX XXXX ) under case number XXXX. I have attached several communications from Early Warning that confirm their refusal to verify or delete the data. 

Emails from which Early Warning has contacted me include : XXXX XXXX XXXX Thank you for your attention and I am available to provide any further documentation upon request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: LA

Complaint narrative:
* * Re : Formal Dispute of Charge-Off XXXX XXXX XXXX XXXX * * Account in Question * * : [ XXXX Account XXXX XXXX ] * * Dispute Basis * * : Inaccurate Reporting of Paid/Discharged Debt * * To Whom It May Concern : Pursuant to the * * Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) * * and * * Louisiana UCC laws * *, I dispute the charge-off status of the above-referenced account. The creditor has * * no legal right to collect or report this debt * * because : 1. * * Charge-Off = Discharge Under UCC * * - A charge-off ( write-off ) is an * * accounting admission * * that the debt is uncollectible and has been * * discharged * * by the creditors own actions.

- * * La. R.S. 10:3-604 ( a ) * * : A creditors voluntary write-off constitutes a * * discharge of the debtor * * under UCC. 
- XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX ) * : Charge-offs extinguish collection rights.

2. * * FCRA Prohibits Reporting Inaccuracies * * - * * 15 U.S.C. 1681e ( b ) * * : Credit bureaus must maintain reasonable procedures to ensure maximum possible accuracy.

- * * 15 U.S.C. 1681s-2 ( b ) * * : Creditors must correct inaccurate information upon dispute. 
- * XXXX XXXX XXXX XXXX. *, XXXX XXXX XXXX ( XXXX Cir. XXXX ) * * : Reporting a charged-off debt as " owed '' violates the FCRA. 

XXXX. * * XXXX XXXX XXXX  * * - IRS regulations ( * * 26 C.F.R. 1.6050P * * ) require creditors to issue a * * Form 1099-C * * upon charge-off, confirming the debts cancellation. 
- * XXXX XXXX XXXX, XXXX *, XXXX XXXX XXXX ( XXXX. La. XXXX ) * * : Charge-offs are cancellations under federal tax law. 

* * Demand for Action * * : 1. * * Delete * * the charge-off from my credit report immediately.

2. * * Cease * * reporting this as an " outstanding debt '' or " collection account. '' 3. * * Provide * * written verification of the debts discharge per * * 15 U.S.C. 1692g * *.

* * Enclosures * * : - Copy of IRS Form 1099-C ( if applicable ) - Proof of charge-off notice from creditor * * Failure to comply within 30 days * * will result in legal action under : - * * FCRA ( 15 U.S.C. 1681n ) * * : Willful noncompliance penalties ( $ 1,000+ per violation ).

- * * Louisiana UCC ( La. R.S. 10:1-305 ) * * : Damages for wrongful collection. 

Sincerely, _________________________ * * XXXX XXXX * * XXXX XXXX XXXX * * Key Legal Points * * : - * * UCC Discharge * * : Charge-offs are accounting discharges ( La. R.S. 10:3-604 ).

- * * FCRA Accuracy * * : Reporting a discharged debt as " owed '' violates 15 U.S.C. 1681e ( b ).

- * * IRS Rules * * : Form 1099-C confirms the debts cancellation ( 26 C.F.R. 1.6050P ).

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 2025-06-24 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:
I kindly request an update to my credit report, specifically the removal of the current public record. Please find the necessary documents attached to support this request. Thank you for your assistance.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: HI

Complaint narrative:
On XX/XX/year> I cancelled an order was told I was getting a refund on said date XX/XX/year> I contacted cash app and asked them to help me cause I didn't see a refund. I tried to contact the company I cancelled the purchase and to no end I was told to contact my financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX List of Unauthorized Inquiries : XXXXXX/XX/XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-24 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:
This is a dispute regarding a hard inquiry on my credit report. I did not authorize this access and have no affiliation with the party that conducted the inquiry.

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 2025-06-24 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:
While checking my credit report as I routinely do, I noticed some inaccurate entries that seemed to appear out of nowhere. I assumed it could be a browser error and refreshed the page, but the incorrect information was still there. Im asking that the documents Ive provided be thoroughly examined so this doesnt continue to be a source of concern.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Date : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Request for Removal of Inaccurate and Negative Accounts To Whom It May Concern, I am writing to formally dispute and request the removal of several inaccurate, outdated, or unverifiable entries from my credit report as provided by Experian ( Report Number : XXXX XXXX, generated on XX/XX/year> ). In accordance with the Fair Credit Reporting Act ( FCRA ), I request a reinvestigation and deletion of the following accounts that are reporting negatively and affecting my credit profile : Disputed Accounts : XXXX. XXXX XXXX XXXX XXXX  Account # : XXXX Status : Charged off {$1600.00} balance Request : Remove due to inaccuracies in balance and failure to verify debt validity. 
XXXX. XXXX ( XXXX XXXX ) Account # XXXX XXXX Status : Charged off {$710.00} balance Request : Remove as the balance charged off exceeds the original credit limit and shows inconsistent payment history. 
XXXX. XXXX XXXX XXXX XXXX Account # : XXXX Status : Paid and Closed {$21000.00} charged off Request : Account has been settled and paid. Reporting a charge-off is misleading and does not reflect full resolution. 
XXXX XXXX XXXX XXXX Account # : XXXX Status : Active collection {$350.00} Request : Original creditor XXXX XXXX XXXXXXXX has not validated this debt upon previous requests. Please remove. 
XXXX. XXXX XXXX XXXX XXXX Account # : XXXX Status : Charged off {$1200.00} balance Request : Dispute due to unverified reporting and continued inaccuracies after past disputes. 
In accordance with Section 609 and Section 611 of the FCRA, I am requesting : A thorough reinvestigation of each of these items.

The method of verification used.

Copies of any documents that support the accuracy of the disputed items.

If these items can not be verified or corrected within 30 days, I respectfully request they be deleted from my credit report.

Attached to this letter are the following documents to assist with your investigation : A copy of my credit report A government-issued ID Proof of address ( utility bill or lease ) Any relevant supporting documents Thank you for your prompt attention to this matter. I expect written confirmation of the outcome of your investigation.

Sincerely,

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A late payment on my credit report appears to be a reporting error. I request a reinvestigation and, if found inaccurate, that the entry be promptly deleted to reflect a true payment history.

Company response to consumer: Closed with non-monetary relief