vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing a formal complaint against LVNV Funding LLC. This company is attempting to collect a debt that I do not owe and have never owed. I have never done any business with them, and I do not recognize the debt they claim is mine. 

They have contacted me in an attempt to collect this alleged debt, and I believe this is either a case of mistaken identity, a reporting error, or a potentially fraudulent account. I am concerned about the impact this is having on my credit and peace of mind. 

I request that the CFPB investigate this matter and require LVNV Funding LLC to : Provide proper documentation that validates this debt, including the name of the original creditor and any account records ; or Cease all collection efforts and remove any related information from credit reporting agencies if they can not validate the debt. 

Thank you for your assistance in this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: VA

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
Due to a data breach that exposed my personal information, fraudulent accounts have surfaced on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete them 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$920.00} Inquiries XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$430.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
I supposed to be receiving a refund from my school. They still havent sent my funds!! XXXX XXXX XXXX XXXXXXXX. They keep making excuses and pushing the date back that I suppose to have been gotten my money. I informed them that I have bills to pay and one thats threatening to disconnect my power. The financial aid department and student account workers at this school is stalling and taking theyre time not being professional or getting it done in a timely manner!! I need my money asap or else no way it should take 7 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. 

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Revolut Technologies Inc.

Complaint narrative:
Update for CFPB Complaint Mishandled Fraud Dispute & Account Restriction Case : XXXX Dear CFPB Investigator, I am submitting this update regarding my complaint against Revolut Technologies Inc. , the provider of my business account registered under XXXX XXXX XXXX Wyoming ) XXXX for mishandling a fraud case, issuing a false denial, and restricting access to my account without basis. 

New Developments : 1. Revolut issued a final denial of my fraud dispute on XX/XX/year>2025, claiming the card was a single-use virtual card. This is provably false : The card was used for multiple charges before I terminated it myself for security reasons. 
Revoluts own account executive confirmed in writing that no such single-use debit card type exists for business accounts.

2. I have submitted the full denial email, chat evidence, card history, and transaction records to the FDIC, which is now reviewing the case under Case # : XXXX. 
3. I have also submitted a formal complaint to the OCC.

4. Revolut failed to provide provisional credit within 10 business days of my fraud report ( XX/XX/scrub>, 2025 ), in clear violation of Regulation E 12 CFR 1005.11 ( c ). 
5. My business account was restricted without explanation on XX/XX/scrub> 2025, shortly after my complaints were filed. I believe this may constitute retaliation or an unfair business practice, especially as no compliance concern has been disclosed to me.

6. Most importantly : Revolut continues to rely solely on internal rules and XXXX process language, while ignoring their obligations under XXXX federal law and FDIC rules. This is clearly stated in their complaint response. Their internal procedures do not override federal consumer protections and this is why intervention is necessary.

Request : Immediate enforcement of my right to a refund of {$9800.00}, which Revolut wrongly denied based on false reasoning.

A full explanation and resolution of the account restriction, or immediate release of my business funds.

I have now filed with FDIC, OCC, CFPB, and IC3, and submitted all supporting documentation. I respectfully request the CFPB coordinate with the FDIC to ensure XXXX XXXX  and Revolut comply with federal banking regulations. 

Sincerely, XXXX XXXX XXXX Representative, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than PLEASE REMOVE ALL ACCOUNTS A.S.A.P 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : INQUIRIES : XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
am submitting a formal complaint against Equifax for continuing to report an inaccurate charge-off account from XXXX XXXX in the amount of {$4200.00}. This account was previously disputed, and Equifax failed to conduct a lawful reinvestigation in compliance with FCRA 611 ( 15 USC 1681i ). I requested a full method of verification, but no sufficient documentation was provided. In addition, XXXX  has I already removed this account from my report due to its inability to be verified. The continued reporting by Equifax violates FCRA 607 ( b ) ( 15 USC 1681e ( b ) ), which mandates maximum possible accuracy. Equifax is furnishing outdated, unverifiable, and incomplete information that is damaging my ability to qualify for home financing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I recently did an investigation on my consumer report which caused XXXX XXXX upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency XXXX XXXX XXXX XXXX XXXX XXXX  make sure was reporting 100 % correct and I did not give the credit reporting agencies written consent for these accounts to report to my consumer report pursuant XXXX USC XXXXb. Without my consent this is reporting fraudulently. The credit reporting agencies is committing FRAUD!!! Please remove these fraud accounts and fraud inquiries from my consumer report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against ACIMA DIGITAL FKA SIMP regarding an account I have with them XXXXXXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : ACIMA DIGITAL FKA SIMP XXXXXXXX XXXX XXXX Balance : {$1400.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with ACIMA DIGITAL FKA SIMP but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: AL

Complaint narrative:
I have contacted Equifax by letter about the inaccuracy on the credit report, according to 15 USC and any inaccuracy must be investigated and removed because of improper identification or cause. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX opened on XX/XX/XXXX I have no recollection of this account and they have not presented any proof of this existing account. XXXX XXXX credit account # XXXX opened on XX/XX/XXXX with balance of XXXX This account is being reported as charged off with a balance due. XXXX XXXX  and trust account # XXXX opened on XX/XX/XXXX this account is being reported 26 late payments but XXXX late payments on my XXXX XXXX report. XXXX XXXX is reporting open with the account # XXXX opened on XX/XX/XXXX with balance of XXXX. This account is incorrectly reporting 3 late payments and there are 0 late payments on my XXXX XXXX report. XXXX XXXX account # XXXX opened on XX/XX/XXXX I dispute this account because its still showing a balance when paid off. XXXX is showing a balance of XXXX original owner XXXXXXXX XXXX XXXX XXXXXXXX I have no knowledge of either XXXX of these collections and to this day they have not provided and proof, XXXX XXXX original owner XXXX XXXX  I have no knowledge of either the owner or collection company. All the following companies had no permission. to due Hard inquiries on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate these matters as soon as possible, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Im filing a complaint against EXPERIAN for failing to properly investigate my disputes. I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: MA

Complaint narrative:
Formal Dispute Under FCRA XXXX XXXX Demand for Immediate Removal of Inaccurate and Obsolete Accounts To Whom It XXXX Concern, This letter is a formal and lawful dispute regarding several inaccurate and/or unverifiable items currently appearing on my TransUnion credit report. Pursuant to Section XXXX of the Fair Credit Reporting Act ( FCRA ) [ XXXX XXXX. XXXX ], I demand the immediate investigation and removal of the following accounts, which are erroneous, unverified, or outdated : 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  These accounts are either : Obsolete, as defined by Section XXXX ( a ) of the FCRA ( e.g., debts older than XXXX years ), Duplicated entries, which falsely inflate my debt burden and artificially XXXX XXXX score, Or can not be properly verified under Section XXXX of the FCRA within the XXXX timeframe. 

I challenge the accuracy, completeness, and legitimacy of these accounts. Unless TransUnion can produce concrete verification, including the original signed documentation and a full chain of title of debt ownership, they must be deleted immediately. 

DEMANDS : XXXX a full investigation of each account listed above. 
Provide documented evidence that these accounts are being reported in compliance with all federal regulations. 
If verification can not be obtained, remove the accounts immediately and confirm in writing. 
Cease and desist from reporting any unverifiable, duplicated, or obsolete information. 

Failure to comply with this lawful request will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible civil action. 

This is your legal obligation under federal law. I expect a written response within XXXX  days of receipt of this letter as required under FCRA regulations.

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