vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: MS

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
CFPB Complaint Cease and Desist Request Against : LVNV Funding, LLC " " Email / Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Company : LVNV Funding, LLC Account Number : XXXX Complaint Description I am submitting this complaint to request assistance and enforcement regarding LVNV Funding, LLC, a debt collector that has continued to contact me in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692c ( c ).

I previously instructed LVNV Funding to cease and desist all communications regarding the alleged debt. Despite this notice, LVNV Funding has continued to contact me through one or more of the following methods : Telephone calls Letters Emails Other : ______________________ Under federal law, once a consumer provides written notice requesting cessation of communication, a debt collector may only contact the consumer to confirm compliance or to notify of a specific legal action. LVNV Funding has failed to comply with these legal requirements.

Requested Resolution I respectfully request that the CFPB : Require LVNV Funding, LLC to immediately cease all communication with me regarding this account Investigate LVNV Funding for violations of the FDCPA Ensure written confirmation of compliance from LVNV Funding This complaint is not an acknowledgment of the debt and is not a refusal to exercise any legal rights. 
Thank you for your assistance in enforcing federal consumer protection laws. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MI

Complaint narrative:
My cash app account was closed XXXX XXXX. Cash app name is $ XXXX I had this account since XXXX  I called cash app I appealed 7 times they would not tell me why my account was closed for no reason for violating terms they could not provide and did not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
Equifax XX/XX/XXXX XXXX XXXX enclosed is copy of your consumer report that states not currently reporting on your Equifax report { THAT XXXX  XXXX enclosed is your report that shows account still on report. I request that the CFPB step in on this matter lying to consumers is fraud and damaging my credit. there for I ask the CFPB to impose monetary damages for this false reporting it has caused damage to me for applying for credit, I know the CFPB can impose these monetary damages for this these damages please respond to the CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
The record is missing key details and isnt accurate. Id like it reviewed and updated.

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 2025-12-16 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:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA.

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING.

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-16 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: FL

Complaint narrative:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have encountered difficulties accessing my Equifax, Experian AND TransUnion account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have encountered difficulties accessing my Equifax, Experian AND TransUnion account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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 respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-12-16 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:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Someone had gotten a hold of my social security information when I misplaced my social security card and opened this account. I tried explaining this to the company, and they would not pull any information to prove that it is my account. I don't even have a way to pay on the account, I never received a card, nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-12-16 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 dont recognize these accounts and didnt authorize them. Please review the situation and take them off my record. Supporting documents are attached.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
Good morning. Here is a clear and professional CFPB complaint statement rewritten against Experian, Equifax, and TransUnion, while keeping all legal citations and making it appropriate for the CFPB narrative box. 

CFPB COMPLAINT STATEMENT AGAINST EXPERIAN, EQUIFAX, AND TRANSUNION My name is XXXX XXXX, and I am submitting this complaint against Experian, Equifax, and TransUnion for violations of the Fair Credit Reporting Act. After obtaining my credit reports through XXXX, I discovered multiple inaccuracies in both account reporting and personal identifying information. 

I submitted a formal dispute requesting a full reinvestigation pursuant to 15 U.S.C. 1681i ( a ). This dispute also included a request for the method of verification and a full consumer file disclosure under 15 U.S.C. 1681e ( b ), 1681g, and 1681i. I provided sufficient identifying documentation and lawfully authorized a third party to submit the dispute on my behalf. Despite this, the credit bureaus have failed to comply with their legal obligations.

The disputed accounts are reporting inaccurate and or unverifiable information. If any part of a tradeline including balance, status, payment history, remarks, or date opened can not be verified, the credit bureaus are required to delete the information under 15 U.S.C. 1681i ( a ) ( 5 ). This has not been done.

The credit bureaus are in violation of the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) for failing to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) for failing to conduct a reasonable and good faith reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) for failing to provide a clear and complete method of verification To date, I have not been provided with the method of verification, including the procedures used, the names and contact information of the furnishers contacted, or the documentation relied upon to verify the disputed information. 

In addition, the credit bureaus continue to report outdated, incorrect, or unverifiable personal information in my credit file. Under the FCRA, they are required to maintain accurate identifying information. I requested removal of all incorrect identifiers and retention of only the following accurate information : Full Name : XXXX XXXX Date of Birth : XX/XX/year> SSN Last 4 : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX The credit bureaus were required to complete their reinvestigation within 30 days under 15 U.S.C. 1681i ( a ) and to provide the method of verification within 15 days under 15 U.S.C. 1681i ( a ) ( 7 ). These deadlines have not been met. I also requested that all responses be sent by mail only, yet my instructions were disregarded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
I am submitting this complaint regarding PayPals continued refusal to release my funds, despite the completion of the required holding period and the absence of any legal or policy-based justification. 

My PayPal account was permanently limited more than XXXX XXXX XXXX XXXX XXXX XXXX XXXX because I initially registered the account using a nickname instead of my legal name. At the time of registration, I mistakenly believed that using a nickname was acceptable and did not understand that my legal name was strictly required. 

When I later attempted to verify the account using my official government-issued ID, PayPal rejected the verification and permanently limited the account. 

The account contains a balance of * * {$200.00} USD * *. According to PayPals own policy, once the holding period ( 180 days ) is completed, the user should be allowed to withdraw their remaining balance. This waiting period has long since passed. 

However, I am currently unable to withdraw my funds due to an internal * * system error * * on PayPals side. The system incorrectly states that my bank account is linked to three other PayPal accounts. This information is false. My bank account is linked only to * * one old PayPal Business account * *, and no other accounts exist. 
Despite multiple attempts to resolve this issue, PayPals support team has refused to correct the system error or release my funds. Instead, they continue to delay the process and ask me to open a new bank account, which is unreasonable and not a valid solution. 

I am formally requesting : 1. Correction of the incorrect system record regarding my bank account.

2. Immediate release and withdrawal of my {$200.00} balance to my legitimate bank account. 
3. An end to unnecessary delays and repeated deflections by customer support.

There is no valid reason to continue withholding my funds. The holding period has ended, the funds are rightfully mine, and the issue preventing withdrawal is entirely due to PayPals internal system error. 

I am requesting immediate resolution of this matter. 

Sincerely, [ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
I have no legal, financial, or personal ties to these accounts and request removal within 15 days per USC 1681g.

Company response to consumer: Closed with explanation