vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Date : XX/XX/2025 To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding Inaccurate and Unauthorized Credit Report Entry TransUnion XXXX XXXX To Whom It May Concern, I am submitting this formal complaint to request assistance in resolving an issue involving inaccurate and unauthorized information being reported on my TransUnion credit report by a company identified as XXXX. 

I recently reviewed my credit file and discovered an account listed under the name XXXX  that I did not authorize, open, or have any prior knowledge of. I have already disputed this account directly with TransUnion, but I am concerned about the accuracy and legitimacy of the reporting and the potential that this may involve identity theft. 

The account is : Reported by : XXXX  Unknown account number ( not provided in credit file ) Status : [ e.g., Closed or Defaulted if known, otherwise leave blank ] I have no history or association with this creditor. 

This appears to be a violation of the Fair Credit Reporting Act ( FCRA ), particularly : FCRA 1681e ( b ) : Duty to maintain accuracy of reported information FCRA 1681i : Failure to properly investigate a dispute FCRA 1681c-2 : Rights in cases of identity theft FCRA 1681s-2 ( a ) ( 7 ) : Failure to notify consumer of negative information reporting I am requesting the CFPB to investigate this matter and help ensure this unauthorized account is fully removed from my credit report. I have attached supporting documents including my dispute letter to TransUnion, proof of identity, and a copy of the section of my credit report with the disputed account highlighted. 

Thank you for your time and assistance in this matter. I look forward to your help in ensuring my consumer rights are protected and that this error is resolved promptly. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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 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 2025-05-23 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-23 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: Commercial Acceptance Company
State: MD

Complaint narrative:
XXXX billed me when I had two different insurances at the time. While in the process of getting XXXX to bill my insurance company and not me, they then reported the XXXX dollars to the credit bureau. This situation originally took place on or around XX/XX/year>. Ive been trying to resolve this matter since then. Ive been heavenly impacted by this in a negative way, and wish to seek compensation for the discrimination, and stereotypes I have had to endure because of this. Ive been indirectly and directly turned away and denied jobs, loans and many other opportunities. Ive been asked about my health and my medical history at times when I thought it was irrelevant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I received a debt validation letter from Bank of America for an account that was already settled through a debt settlement program managed by Americor and Advantage Law. I completed the settlement and paid the full agreed amount. However, XXXX failed to notify the creditor properly. This caused confusion and triggered an unnecessary collection notice. I already requested confirmation documents from XXXX, but they have not responded. This is misleading and could negatively affect my credit. 
I have already filed a small claims lawsuit against XXXX in New Jersey for failing to refund overpaid funds and for not issuing required completion documents. This issue with Bank of America is part of the broader problem caused by XXXX failure to notify creditors.

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 2025-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Full Name : [ XXXX XXXX ] Email : [ XXXX ] Address : [ XXXX XXXX XXXX without the u/s non domestic XXXX Ohio XXXX XXXX ] ] Complaint Details : I am submitting this complaint because I believe my personal and financial data has been breached and misused, allegedly involving XXXX XXXX  or entities connected to him. This breach has caused harm and led to the inaccurate reporting of negative accounts on my credit report, including student loans. 

Issues : Unauthorized access and disclosure of my personal financial data, violating my privacy rights. 
Negative accounts, including student loans, reported inaccurately and unfairly on my credit report. 

Legal Protections : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX : Requires accuracy in credit reporting and allows me to dispute incorrect information. 
Gramm-Leach-Bliley Act ( XXXX ), 15 U.S.C. XXXX : Protects the privacy and security of my nonpublic financial information. 
Other applicable data privacy laws. 



Resolution Requested : XXXX. Investigate the alleged data breach and unauthorized use of my financial information. 
XXXX. Remove all inaccurate, unverifiable, or disputed negative accounts from my credit reports, including all student loan entries that are incorrect. 
XXXX. Confirm receipt of this complaint and provide updates on the investigation. 
XXXX. Ensure full compliance with federal laws protecting my privacy and credit information. 



Thank you for addressing this matter urgently. 

Sincerely, [ XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY XXXX ENSURE THE ACCURACY XXXX INTEGRITY OF MY CREDIT FILE.

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 2025-05-23 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: TX

Complaint narrative:
Subject : Formal Demand for Permanent Deletion of Inaccurate Accounts Notice of Intent to Pursue Legal Action To Whom It May Concern : I am writing to formally dispute the inaccurate and harmful accounts currently listed on my credit report with both Experian and Equifax. This is being done in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
This is a final demand to permanently delete the following accounts from my credit report within five ( 5 ) days of receipt of this letter : 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 These accounts are inaccurate, unverifiable, and damaging to my financial well-being. I have suffered multiple denials for auto loans, credit cards, and mortgage applications, and have been subjected to unfair, inflated interest rates directly due to these reporting failures. 
Per FCRA 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation when a consumer disputes the accuracy of information. Re-reporting unverified, outdated, or inaccurate information without complete validation is a direct violation of 1681i ( a ) ( 5 ).

Additionally, under 1681e ( b ), you are mandated to follow reasonable procedures to ensure maximum possible accuracy of the information you report. Your failure to comply with these procedures, as evidenced by the recent lawsuit involving both Experian and Equifax, underscores a pattern of negligence and noncompliance. 
If the accounts in question are not permanently deleted within 5 business days from the receipt of this letter, I will have no choice but to pursue legal action. This includes filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and taking legal steps to recover damages under FCRA 1681n and 1681o for willful and negligent noncompliance. 
This letter serves as notice of intent to litigate. I have documented the harm caused, and I am fully prepared to pursue maximum statutory and punitive damages as permitted by federal law. 
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 2025-05-23 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to dispute and request the blocking of fraudulent information from my credit report in accordance with 15 U.S.C. 1681c2 of the Fair Credit Reporting Act.

The following item ( s ) on my credit report are the result of identity theft : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX I did not open or authorize this account, and it does not reflect my activity.

Please block the above-referenced item ( s ) from my credit file and ensure that no further reporting or distribution of this information occurs.

Kindly confirm in writing once the fraudulent data has been removed or blocked from my file. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to dispute and request the blocking of fraudulent information from my credit report in accordance with 15 U.S.C. 1681c2 of the Fair Credit Reporting Act.

The following item ( s ) on my credit report are the result of identity theft : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX I did not open or authorize this account, and it does not reflect my activity.

Please block the above-referenced item ( s ) from my credit file and ensure that no further reporting or distribution of this information occurs.

Kindly confirm in writing once the fraudulent data has been removed or blocked from my file. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: VA

Complaint narrative:
I asked Lvnv Funding Llc to send me a bill with the correct amount and fees and they never responded. On XX/XX/year> the amount is for {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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 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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
This is a follow-up to a previous dispute I submitted regarding the account in question. Despite my efforts, the account continues to show inaccurate and incomplete information on my credit report. I am now formally requesting a detailed description of the procedures used during your investigation. You are legally required to provide this within 15 days of receiving this notice. If you can not verify the information or fail to respond, I request that the disputed items be removed. Attached is my written request for your reference. Thank you in advance for your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I have been disputing with this company since XXXXXXXX XXXX XXXX  and they have not been able to provide what I requested in my dispute. I submitted documentation to CFPB showing proof that it has been over 90 days and the company is in violation of the FCRA by law they are required to remove the disputed account from my credit report I have attached receipts and documents that prove they are in violation and are required to remove the account

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 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: IL

Complaint narrative:
XX/XX/year> I called the company and spoke to XXXX. I ask for in invoice to be sent to my address that shows the time my payment was late? All payments mas on autopay being deducted directly from my bank account. 
XXXX replied that since the account is closed no paperwork could be sent out. This loan was strictly for the purpose to boost my credit score, but is reporting late payments and hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MO

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts AFFIRM XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} 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 XXXXXX/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