vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: WI

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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:
Please remove this fraudulent account from my profile as soon as possible

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 2025-08-18 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:
Please remove this fraudulent account from my profile as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I am writing to formally dispute the collection account that is reporting to the credit bureaus regarding an alleged debt. Upon recently reviewing my credit reports for the intention of purchasing a home, I was shocked to find this collection listed. I have no knowledge or record of ever holding an account with this company, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the Dunning notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of 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 non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
Jefferson Capital XXXX XXXX. XXXX I have advised that this is not an account I open and it was fraudulent. XXXX  has taken it off my report. On my report it say XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Service International Corp
State: WI

Complaint narrative:
CREDIT SERVICE INTL CO is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT SERVICE INTL CO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
On XX/XX/XXXX I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : US DEPT OF ED/XXXX- student loan- Account Number : XXXX opened XX/XX/XXXX USDOE/XXXX-student loan- Account Number : XXXX- opened XX/XX/XXXX USDOE/XXXX-student loan- Account Number : XXXX opened XX/XX/XXXX XXXX XXXX XXXX-Auto Loan-opened XX/XX/XXXX XXXX XXXX  XXXX Auto Loan- opened XX/XX/XXXX XXXX-student loan-Account Number : XXXX opened XX/XX/XXXX XXXX XXXX- Student Loans- Account Number:XXXX opened XX/XX/XXXX XXXX XXXX- Student Loans- Account Number:XXXX opened XX/XX/XXXX XXXX- Student Loans- Account Number : XXXX-opened XX/XX/XXXX XXXX-Student Loans- Account Number : XXXX-opened XX/XX/XXXX XXXX-Student Loans-Account Number : XXXX-opened XX/XX/XXXX XXXX-Student Loans- Account Number : XXXX-opened XX/XX/XXXX XXXX-Student Loans- Account Number : XXXX-opened XX/XX/XXXX XXXX XXXX-Student Loans-Account Number : XXXX-opened XX/XX/XXXX XXXX XXXX-Student Loans- Account Number : XXXX-opened XX/XX/XXXX XXXX XXXX-Student Loans- Account Number : XXXX-opened XX/XX/XXXX XXXX XXXX-Student Loans-Account Number : XXXX-opened XX/XX/XXXX XXXX XXXX-Student Loans- Account Number : XXXX-opened 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 explanation
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
On XXXX XXXX, I disputed two accounts with Trans Union. XXXX XXXX XXXX  # XXXX, and XXXX. I received a credit report dated XX/XX/year> that Trans Union had updated a listing with new information. However, according to the documentation I have attached from the creditor, the date of payment received, is incorrect. This means that they did not contact the creditor.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is a formal follow-up regarding unresolved fraudulent account that remain on my Experian credit report despite multiple disputes. I got a letter from Experian that violates my rights under the FCRA. This letter is not a repeat of prior submissions it includes documentation and a renewed demand for legal compliance under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ). 
I am a victim of identity theft. The following account was opened without my knowledge or consent : XXXX XXXX XXXX XXXX, opened on XXXX. 
This account was fraudulently created and does not belong to me. I have never entered into any relationship with this creditor. I am invoking my rights under FCRA 605B, which legally requires that credit bureau block this item from my credit file within four ( 4 ) business days after receipt of this letter.

This submission is fully compliant with all documentation requirements under the FCRA. As such, credit burau is not legally permitted to reject or ignore this request, nor to claim this dispute is frivolous.

Please confirm in writing that this fraudulent account has been permanently removed from my file and blocked from future 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 explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing this complaint against Resurgent Capital Services / LVNV Funding regarding a fraudulent collection account that was placed on my credit report. 
I have never had any business relationship with this company. 
They illegally accessed my credit report and placed a collection account without my authorization or consent. 
I requested validation of the debt and specifically asked for a signed contract or agreement proving that I owe this debt. They failed to provide any such documentation. The materials they sent do not contain my signature or any proof of a contractual obligation. 
This is a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and my constitutional right to due process. 
By reporting an unverified and fraudulent account, they are causing harm to my credit profile and financial opportunities. 

I am demanding that this account be immediately and permanently deleted from my credit reports across all three bureaus ( XXXX XXXX XXXX XXXX ). This company has no legal basis to report or collect this alleged debt, and their actions constitute willful misconduct and consumer rights violations. 

Reference Number Provided by the Company : XXXX I request that the CFPB investigate this matter and require Resurgent Capital Services/ LVNV Funding to cease all collection activity and remove this account permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-08-18 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:
On XX/XX/XXXX I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : US DEPT OF EDXXXX- student loan- Account Number : XXXX opened XX/XX/XXXX USDOE/XXXX-student loan- Account Number : XXXX- opened XX/XX/XXXX USDOE/XXXX-student loan- Account Number : XXXX- opened XX/XX/XXXX XXXX XXXX XXXX-Auto Loan-opened XX/XX/XXXX XXXX XXXX  XXXX- Auto Loan- opened XX/XX/XXXX XXXX-student loan-Account Number : XXXX opened XX/XX/XXXX XXXX XXXX- Student Loans- Account Number:XXXX opened XX/XX/XXXX XXXX XXXX- Student Loans- Account Number:XXXX- opened XX/XX/XXXX XXXX- Student Loans- Account Number : XXXX-opened XX/XX/XXXX XXXX-Student Loans- Account Number : XXXX-opened XX/XX/XXXX XXXX-Student Loans-Account Number : XXXX-opened XX/XX/XXXX XXXX-Student Loans- Account Number : XXXX-opened XX/XX/XXXX XXXX-Student Loans- Account Number : XXXX-opened XX/XX/XXXX XXXX XXXX-Student Loans-Account Number : XXXX-opened XX/XX/XXXX XXXX XXXX-Student Loans- Account Number : XXXX-opened XX/XX/XXXX XXXX XXXX-Student Loans- Account Number : XXXX-opened XX/XX/XXXX XXXX XXXX-Student Loans-Account Number : XXXX-opened XX/XX/XXXX XXXX XXXX-Student Loans- Account Number : XXXX-opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Mortgage Company 2x approved a loan modification without my consent or signature.. 
Fraud has been committed. I want all mortgage documents since the inception of loan since XXXX. How a loan modification without consent is beyond me. I want all documents, applications, and an explanation of how this was approved and who was responsible for fraud. I was making payments and they were sent back.. I would like an explanation why my funds were not accepted also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: MD

Complaint narrative:
I recently reviewed a copy of my credit and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-08-18 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 writing to inform you that my identity has been compromised and that I am requesting that you place a fraud alert on my credit file. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act ( ITADA ) and believe that your agency is legally obligated to investigate and resolve any inaccuracies on my credit report. As identified in the FTC Report the Fraudulent inquiries opened by a thief. This is my writing this letter and not a third party. I am the only one who has my information. 
Inquires- XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Accounts - XXXX XXXX  XXXX opened- XX/XX/XXXX {$3300.00} * Dept of EdXXXX XXXX open-XXXX XXXX XXXX - open- XX/XX/XXXX {$3100.00}

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 2025-08-18 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: GA

Complaint narrative:
I was made aware of several accounts that are not mine, that are being listed on my credit report. I want these removed from my report as they are not my accounts and I did not open them. I had an ex boyfriend that I believe is the one that opened these things up and messed up my stuff. I remember finding pictures of my ID on his phone and wondering why that would be there. I need your help to remove these fraudulent accounts from my credit report. Thank you so much.

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 2025-08-18 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: RI

Complaint narrative:
I filed a claim for transactions I didnt make, cash app reviewed and it was in my favor, they did put {$600.00} back into my cash app account but sent the rest of the payments to 2 different debt cards that I no longer have and have been closed since last year, the dates and amounts for those transactions were, they said the money was sent back on XX/XX/XXXX {$100.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX I have spoke to both banks, and both banks have told me the same thing, that they dont hold money for debit cards that have been closed, and the money will go back to cash app. I do not have accounts with those banks and because it was sent to a closed debit card, and not an actual account with a routing number and account number the banks do not have the money. Cash app keeps telling me the money will not go back to them but 1 person that I spoke to at cash app did say that the transactions didnt go through to the bank he said it was not completed. When I tried to call cash app with the banks on the phone they refused to talk with us and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: IN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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