vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IL

Complaint narrative:
I disputed transactions with Cash app and they refused to put money back on my account and said I had to dispute it with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 
I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : DEPT OF EDUCATION : XXXXXXXX XXXX XXXX XXXXXXXX : 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 2025-05-18 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 
I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : DEPT OF EDUCATION : XXXXXXXX XXXX XXXX XXXXXXXX : 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 2025-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I have filed several complaints against Resurgent Capital Services and its crony affiliates like LVNV. They lie and commit fraudulent activity. There are four alleged debts that they falsely claim I owe them, two from XXXX XXXX XXXX  and two from XXXX accounts. The Bill of Sale on one of the alleged XXXX accounts state that the debt was charged off and securitized. It went to an asset backed trust called XXXX XXXX. I have asked repeatedly that LVNV provide validation of chain of custody seeing that they are only a Servicer of an account they purchased and not the debt owner, as there is a difference between the two. They have not provided validation of chain of custody and have violated state and federal laws persuant to the Completeness Doctrine. Providing the Purchase Agreement and my signature from the alleged debts are essential components to debt validation. 
The CFPB needs to conduct a thorough investigation into this type of fraudulent activity. They repeatedly break state and federal laws. 
Their false claims have hurt my credit report and opportunities for future credit cards and possibly loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La, XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Request for Block of Fraudulent Information Pursuant to FCRA 605B / 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to formally dispute and request the * * blocking of fraudulent information * * appearing on my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically section * * 605B ( 15 U.S.C. 1681c-2 ) * *.

The following accounts do * * not belong to me * * and are the result of identity theft : - XXXX XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX CURRENT- Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX  Account Number XXXX Under the FCRA, I am requesting that you block these items from appearing on my credit report and notify the furnishers accordingly.

Please ensure that your response and subsequent actions are compliant with the * * Metro 2 guidelines as outlined in the Credit Reporting Resource Guide ( CRRG ) * *, particularly the requirements for coding and status updates related to fraud and 605B blocks ( e.g., Special Comment Code " XH '' for confirmed fraud ).

You are required by law to respond within * * 4 business days * * of receiving this request ( as stated in FCRA 605B ( c ) ).

If you need any further information from me to complete this investigation, please contact me in writing at

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 2025-05-18 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 delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 2025-05-18 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:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Early in XXXX, an individual named XXXX XXXX stole my father and my identity, charged our credit cards, and opened a XXXX XXXX account in my name. I've since filed a lawsuit against this person in XXXXXXXX XXXX Superior Court, Case No. XXXX ( see attached ). Further, I've disputed this account with TransUnion, XXXX and Experian. Transunion and Experian have not yet removed this fraudulent account from my credit file. Firther, I've been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So I could not have opened this account. You can verify this by going to XXXX XXXX XXXX XXXX website, selecting the XXXX XXXX page, then typing in my XXXX XXXX number : XXXX. I'm not scheduled to be released from XXXX XXXX until XXXX. The XXXX XXXX Account was closed XX/XX/XXXX with a balance of {$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 explanation
Consumer complaint received 2025-05-18 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-18 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Early in XXXX, an individual named XXXX XXXX stole my father and my identity, charged our credit cards, and opened a XXXX XXXX account in my name. I've since filed a lawsuit against this person in XXXX Massachusetts Superior Court, Case No. XXXX ( see attached ). Further, I've disputed this account with TransUnionXXXX XXXX XXXX XXXX. Transunion and XXXX have not yet removed this fraudulent account from my credit file. 

Firther, I've been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. So I could not have opened this account. You can verify this by going to XXXX XXXX XXXX XXXX website, selecting the XXXX XXXX page, then typing in my federal ID number : XXXX. I'm not scheduled to be released from XXXX custody until XXXX. 

The XXXX XXXX Account was closed XX/XX/XXXX with a balance of {$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 2025-05-18 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: GA

Complaint narrative:
This company also, wilfully continues to report incorrect, inaccurate, and misleading information on my credit report since XXXX despite my repeated disputes sent via certified mail. They have also committed the act of selective exclusion of a trade line XXXX XXXX  ) with positive history further impacting my credit score and access to credit opportunities. 
This has also been done since 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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
In XX/XX/year>, I submitted a payment to XXXX for my student loan before the due date. Due to a technical issue on the banking side, the transaction was reversed. I was not informed by XXXX that the payment failed to process, nor was I given an opportunity to correct the issue before they reported a 30-day late payment to the credit bureaus.

This late mark is the only negative item on my otherwise clean credit history, and it has caused a significant drop ( over 60 points ) in my credit score. This has impacted my ability to qualify for basic financial products and housing as a student preparing to rent for the upcoming semester. 

I contacted XXXX and requested a goodwill adjustment, as the error was clearly unintentional, not due to negligence, and occurrence despite my timely attempt to pay. My account has remained in good standing since, and I have not missed any payments. 

XXXX denied my request and refused to consider the circumstances, despite this being my first and only issue. I believe their rigid reporting policy has led to an unfair and disproportionate penalty, especially given that federal loans are not reported late until 90 days past due, while this loan was reported after just 30 daysdespite attempted payment and a technical banking issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I ORDERED A CREDIT CARD FROM JCPENNEY XXXX, FOR XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX AND I WAS XXXX  AND I DID NOT RECEIVE MY CREDIT CARD. BUT XXXX  WERE DROPPED AND I AM STILL FIGHTING PROPERTY APPRAISER 'S OFFICE FOR MY DEEDS. I AM XXXX XXXX XXXX AND NEW HIRE FOR XXXX XXXX XXXX XXXX. WHO MUST I ADDRESS REGARDING THIS MATTER? 

THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Early in XXXX, an individual named XXXX XXXX stole my father and my identity, charged our credit cards, and opened a XXXX XXXX account in my name. I've since filed a lawsuit against this person in XXXXXXXX XXXX Superior Court, Case No. XXXX ( see attached ). Further, I've disputed this account with TransUnion, XXXX and Experian. Transunion and Experian have not yet removed this fraudulent account from my credit file. Firther, I've been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So I could not have opened this account. You can verify this by going to XXXX XXXX XXXX XXXX website, selecting the XXXX XXXX page, then typing in my XXXX XXXX number : XXXX. I'm not scheduled to be released from XXXX XXXX until XXXX. The XXXX XXXX Account was closed XX/XX/XXXX with a balance of {$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 2025-05-18 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:
XXXX XXXX XXXX XXXX XXXX XXXXSOCIAL SECURITY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifaxXXXX XXXX XXXX XXXX XXXXSubject: Urgent Request for Removal of Fraudulent Accounts Within 7 DaysXXXXTo Whom It May Concern,XXXXI am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my XXXX  credit file. These accounts were opened without my knowledge or authorization and are the result of identity theftXXXXThe following accounts are fraudulent and must be removed from my credit report immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX(Include additional accounts as neededXXXXI am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security.XXXXI have enclosed copies of the following documents to support my claim:XXXXA copy of my government-issued identificationXXXXProof of my current addressXXXXA copy of the police report and/or identity theft affidavitXXXXAny relevant documentation proving the accounts are fraudulentXXXXPlease confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau (CFPB) and other relevant authoritiesXXXXThank you for your prompt attention to this urgent matter.XXXXSincerely,XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
I've received letter from Mandarich Law Group , LLP. with incorrect account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Tried to close the account with their phone number which i might add is the only option because they do not have a email i was hung up on within second tried to call them with no answer I would just like to close my 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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Can not file a dispute online. Gives error each time I login. Company also refusing to provide me a free annual credit report that Im entitled to.

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 2025-05-18 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: NC

Complaint narrative:
The account in question was charged off back on XX/XX/XXXX, meaning the account was closed and no further payments were expected. However, XXXXXXXX XXXX  continues to report monthly late payments after the charge-off date, which is factually incorrect and misleading. 
Violation of FCRA Inaccurate Reporting ( 1681i, 1681s-2 ( b ) ) Under the Fair Credit Reporting Act, furnishers must report information that is accurate and complete. Continued reporting of late payments after an account is charged off is not only inaccurate but also may be considered re-aging the account. 
Prior Dispute Ignored or Mishandled I submitted a formal dispute in XX/XX/XXXX to both the credit reporting agency and the creditor. Despite this, the false late payments are still present. This suggests either a failure to properly investigate, or a failure to correct inaccurate data as required under 1681i and 1681s-2 ( b ). 
Potential Attempt to Extend Negative Reporting Beyond 7 Years The ongoing monthly updates on a charged-off account may be intended to re-age the account, which is explicitly prohibited. The 7-year reporting window should start from the date of first delinquency that led to the charge-offnot from the last reported late payment. 


Also Additionally, this account was a secured credit line, backed by collateral I provided. The creditor charged off the account and subsequently sold the debt to a third-party collection agency. In doing so, they retained my collateral and received payment from the sale of the debteffectively getting paid twice. This raises serious ethical and potentially legal concerns, including unjust enrichment and potential violations of the Uniform Commercial Code ( UCC ) or other consumer protection statutes governing secured transactions. 
This inaccurate and unlawful reporting has negatively impacted my credit score, resulted in credit denials, and caused emotional distress. It has also hindered my ability to obtain fair access to financial products and services.

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