vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX XXXX XXXXt ( XXXX ), Truth in Lending Act ( TILA ), and the XXXX-XXXX-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion 's has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under XXXX XXXX XXXX, XXXX XXXX, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the XXXX imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( XXXX ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-11-11 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: PA

Complaint narrative:
Subject : FRAUDULENT ACCOUNT DISPUTE FCRA 1681c-2, 1681i, and 1681e ( b ) 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 I am writing to formally dispute the reporting of the above-referenced accounts as fraudulent and inaccurate under my credit file. These accounts does not belong to me, and its presence violates several provisions of the Fair Credit Reporting Act ( FCRA ). 

This account is fraudulent and was opened without my knowledge, consent, or authorization. I have never entered into any agreements or received any funds, goods, or services from the above accounts or any related entity.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : FRAUDULENT ACCOUNT DISPUTE FCRA 1681c-2, 1681i, and 1681e ( b ) 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 I am writing to formally dispute the reporting of the above-referenced accounts as fraudulent and inaccurate under my credit file. These accounts does not belong to me, and its presence violates several provisions of the Fair Credit Reporting Act ( FCRA ). 

This account is fraudulent and was opened without my knowledge, consent, or authorization. I have never entered into any agreements or received any funds, goods, or services from the above accounts or any related entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
I am submitting this formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to dispute the inaccurate reporting of a late payment on my credit file. This false entry has caused unjustified damage to my credit reputation and financial standing. I am requesting that a full investigation be conducted immediately.

Disputed Account Information Creditor Name : XXXX XXXX Account Number : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Alleged Late Payment : XX/XX/year> ( equifax ) and XX/XX/year> ( XXXX  and XXXX  ) I firmly dispute the accuracy of this reported late payment. The account in question has been paid on time and should correctly reflect the status Paid As Agreed Never Late.

Legal Basis for Investigation and Correction Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i Under this section, I am exercising my right to dispute any inaccurate, incomplete, or unverifiable information appearing on my credit report. If the furnisher of information can not provide verifiable evidence supporting this late payment claim, it must be deleted or corrected immediately.

Truth in Lending Act ( TILA ) 15 U.S.C. 1637 ( b ) Creditors are legally obligated to issue accurate billing statements and report information consistent with the consumers actual payment performance. Any deviation constitutes an error that must be promptly rectified.

Responsibilities of Information Furnishers 15 U.S.C. 1681s-2 Entities furnishing data to credit bureaus are required to ensure that the information is both accurate and complete. Reporting unverifiable or false late payments violates this obligation and federal consumer-protection standards.

Requested Actions I respectfully request that the CFPB require the furnisher and the credit bureaus to : Conduct a complete reinvestigation of this account under 1681i and 1681s-2.

Provide verifiable documentation substantiating the alleged late payment, including the payment date, due date, amount, and communication record.

If the information can not be fully verified, instruct the furnisher and all credit bureaus to update the account status to Paid As Agreed Never Late.

Provide written confirmation of the completed investigation and any updates to my file within 30 days, as mandated by the FCRA.

Notice of Compliance and Accountability Failure to comply with the statutory timelines or to correct unverified information will be considered a violation of the FCRA and other applicable consumer-protection laws. Continued inaction or incomplete responses will result in escalation to appropriate oversight agencies or legal channels for enforcement.

My credit report must reflect factual, verifiable information that accurately represents my payment behavior. I trust that this matter will receive prompt attention and resolution in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
I was not able to finish the class. I sign off the contract to exempt me out before the semester to be charged. The school made me signed off. The school immediately went out of business and charged me the semester without assistance. Ive tried to contact the school and no luck as of yet. XXXXXXXX XXXX XXXX where it was located was moved and the new location have not helped.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
CFPB Complaint Narrative LVNV Funding LLC / Resurgent Capital Services Account : # XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX / XXXX Reported Balance : {$790.00} I am filing this complaint because LVNV Funding LLC, through Resurgent Capital Services, is reporting an account on my credit report that I do not recognize or believe to be valid. 
I have never received proper validation or documentation proving that this alleged debt belongs to me, despite it being reported to all three credit bureaus. I formally requested validation, including : A copy of a signed contract or agreement showing I incurred this debt with XXXX XXXX XXXX, A complete payment history and date of alleged default, Documentation proving LVNV Funding LLC has the legal right to collect on this account, and Proof of the chain of title from the original creditor to LVNV Funding LLC . 
To date, I have not received any of the above information, yet the company continues to report this account to credit bureaus. This is a violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) because unverifiable or inaccurate information is being furnished and collection activity is continuing without proper validation. 
I am requesting that the CFPB investigate this matter and require LVNV Funding LLC / Resurgent Capital Services to : Provide full validation and documentation of this alleged debt ; or Immediately remove the account from all credit reporting agencies if they can not verify it. 
I am attaching a copy of my original dispute letter and supporting documentation for reference. 


Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I got hacked to my XXXX  account on XX/XX/year>. The hacker linked the bank account that is not mine and transferred the amount of XXXX usd. 

The hacker added XXXX XXXX to transfer money out. I never had XXXX XXXX. I only used XXXX XXXX with XXXX  in the past. 

The hacker previously changed my email and my phone number so I cant log into my account. This happened a few times I tried to dispute this transaction but the specialist XXXX  team denied even I had a history of being hacked constantly for the past few month and previously the XXXX  team returned my money back but not this time. 
I tried to appeal the case but got denied. I dont know what to do with this unauthorized transaction that got denied. I need my money back. Im going to deliver twin babies soon. I need this money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-11 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-11 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: NY

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my Experian consumer XXXX credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a personal loan account opened at XXXX XXXX XXXX on XXXX under account number XXXX in the amount of $ {$19000.00} and XXXX XXXX XXXX  on XXXX under account number XXXX in the amount of {$4900.00}. These fraudulent accounts have resulted in inaccurate and damaging information appearing on my Experian consumer XXXX credit report. I demand that the aforementioned fraudulent item be removed from my Experian credit report and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. 

This is a formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove the following fraudulent account, including any related collections, charge-offs, late payments, and hard inquiries, that was added to my credit report without my knowledge or authorization. This account is the direct result of fraudulent activity and not any legitimate consumer transaction. 
This fraudulent, inaccurate, and false information consists of an installment account opened at XXXX XXXX XXXX Account No. XXXX, Date Opened : XX/XX/year> and XXXX XXXX XXXX  Account No. XXXX, Date Opened : XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Even though the account was settled completely, it still reflects late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am disputing this that because it is a result of identity theft and is not mine. It appears on my credit report and has been sent your agency under my name. 

The account in question : National Credit System for {$11.00}, XXXX. 

I am disputing another debt collection for {$4900.00} and how and why would I have several apartments in my name. 
I didn't open this account and have never authorized any transactions associated with it. I have filed a police report. 

Under FCRA I am requesting that you : XXXX. Remove this fraudulent account from my credit report. 
XXXX. Cease all collection activities related to this account. 
XXXX. Provide written confirmation that the account has been removed and will not be reported further. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I must emphasize that unauthorized access to my credit report by multiple companies has directly damaged my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries persist. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is deeply alarming and strongly indicates possible identity theft. This unresolved issue is causing ongoing emotional and financial harm.

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: AZ

Complaint narrative:
Ok on the XXXX of XXXX I received my XXXX payment to cash app at about XXXX XXXX  I logged in and payed back my loan that I had taken out with cash app I payed my overdraft and my pay it later balance leaving my account with a XXXX XXXX dollars when all of a sudden my phone glitched and kicked me off cash app the next thing I knew I was getting notifications from cash app stating I just unlinked my email a new email was just linked then my phone number was unlinked from my account a new number was just linked then my cash pin was changed frantically I tried to log in to stop it but couldn't so I pushed the help button and started telling them support to freeze my account block my account someone has just broken in and is stealing my money they replied what transaction are you referring to I stayed it's not about a transaction it's about someone just hacked my account and there stealing my money this went on for a few minutes when I called cash app support that took a couple of minutes for them to realize what I was saying they hurried and blocked my account but it was to late the damage had already been done XXXX dollars gone it took me several days to regain my account back when I finally logged in I had XXXX Dollars out of XXXX dollars that was my rent money and bills money I've lost my phone service and have been evicted I found out that whoever did this sent my money to a place called women of destiny I later found out that this XXXX XXXX XXXX was made up cus there's no XXXX XXXX XXXX in XXXX  so I filed a dispute to get my money back and yesterday XX/XX/year> at XXXX in the afternoon cash app sent me an email dening my dispute according to them there's no proof my account got hacked like XXXX if there isn't my email phone number and cash pin all were changed in a blink of an eye they did not research it cus if they had of they would have seen it right there in front of them why would I send XXXX XXXX dollars to some charity for pizza when I have rent and bills to pay I don't or ever have donated to any organization than you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: The Receivable Management Services LLC
State: ME

Complaint narrative:
I am submitting this complaint regarding an inaccurately reported collection account by XXXX XXXX ( Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), showing a balance of {$0.00} and a date opened of XX/XX/year>. 

I have no knowledge of this account and have never opened, authorized, or received any notice, statement, or validation from XXXX XXXX regarding such a debt. The reporting of this alleged collection account is false, misleading, and unverifiable, and it has caused harm to my credit file and reputation. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, debt collectors and furnishers must ensure all information reported to the credit bureaus is accurate and verifiable, and must provide validation upon request. XXXX XXXX has failed to furnish any proof or documentation confirming that this debt belongs to me. 

I have previously disputed this information with the credit bureaus, but the inaccurate account remains. Therefore, I am escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) for full investigation and enforcement of my consumer rights. 

Requested Action : I respectfully request that XXXX XXXX provide complete and verifiable documentation of this alleged debt, including the original creditors information, signed contracts, and all account records. If no such proof exists, I request the immediate and permanent deletion of this collection account from all credit reporting agencies.

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 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I authorized a payment, unknowingly to a scam artist. This was for {$600.00} on XX/XX/2025. This was done Via XXXX. I immediately called the bank and XXXX to which they told me they could do nothing and to dispute the payment when it posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief