vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MS

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing XXXX  XXXX, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$7300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
Since XX/XX/year>, we have endured repeated delays, duplicative document requests, and contradictory communication from PennyMac regarding our VA short sale. Despite escalating multiple times to supervisors and even to the VA itself, PennyMac has still failed to issue approval. Our buyers offer nets PennyMac {$500000.00}, which is {$24000.00} above the minimum acceptable payoff of {$480000.00} confirmed by both PennyMac and the VA. The VA has already stated they see no reason this file should be denied. PennyMac stated after 20 days of having the offer from our buyers for our home that seller concessions must be reduced to 1 %, even though VA guidelines allow up to 4 % seller concessions and FHA guidelines allow up to 6 %. 

On a recorded call, supervisor XXXX XXXX assured us the file would be escalated and we would receive a callback the same day. That call never came, leaving us once again in limbo. I, XXXX XXXX XXXX, believe we have been discriminated against by PennyMacs representative, XXXX XXXX, due to our XXXX. I believe these delays were intentional, in direct violation of the Federal Fair Housing Act. The consequences of these delays are devastating. 

This short sale involves not just financial numbers on a page but the livelihood and stability of multiple families. The buyers are first-time homeowners with XXXX small children and have already ended their lease and packed their belongings in anticipation of the closing on the property. They are now facing displacement and possible homelessness. As the sellers, we too have vacated our home and begun relocating, leaving us in a state of uncertainty and hardship. As a XXXX veteran, who served this great country I never thought i'd be facing the very real prospect of foreclosure and financial ruin because of PennyMacs failures to act in good faith. 

We respectfully request that the CFPB require PennyMac to immediately issue short sale approval so that this transaction can close by the contractual deadline of XX/XX/year>, preventing further harm to these families who simply want a safe place to call home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash App has repeatedly declined all transactions made with my Cash App Card including purchases and ATM withdrawals despite my account having sufficient funds. 

XX/XX/XXXX {$6.00} transaction toXXXX XXXX 2x {$25.00} transactions to XXXX XXXX XX/XX/XXXX 2x {$250.00} ATM Withdrawal I have contacted support multiple times via chat, phone, and email. I was escalated to three different managers ( XXXX, XXXX, and XXXX ), all of whom provided nearly identical, scripted responses ( which I can share with you ) stating that transactions may be declined for unusual activity, that they can not provide further information, and advising me to use an alternative payment method. Please note that the merchants/ withdrawals that I have attempted are not unusual activity as they have all been made before. 

None of the responses I have received have provided a clear explanation of the underlying cause, specific steps to resolve the issue nor a timeframe for restoration of service. One representative even told me by phone that my card would work again, but subsequent transactions continued to be declined. 

This recent denial of access to my own funds has caused me significant harm, including missed rent payments and being unable to put gas in my car due to declined transactions. 

Cash App has now attempted to mark my complaint closed ( XXXX ), despite the fact that the issue is ongoing and unresolved. 

Why I am escalating : Cash App has repeatedly denied me access to my funds via the XXXX XXXX service they advertise, failed to provide any meaningful support, and attempted to close my complaint without resolving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am requesting updates to my personal information on my credit report. My current address is XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX. There are several previous addresses listed that are no longer valid and should be removed from my file, including : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; and multiple variations of XXXX XXXX XXXX XXXX XXXX. 

It is important that my credit report accurately reflects my current residence, as outdated addresses can cause confusion and may affect my financial opportunities. I am also requesting that my employer information be updated to XXXX XXXX XXXX and properly reflected in my file. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain accurate and up-to-date information, including correcting, removing, or updating personal details when necessary ( 15 U.S.C. 1681c-2 and 15 U.S.C. 1681e ( b ) ). I ask that these updates be completed promptly and that I receive written confirmation once my credit report reflects these corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the fraudulent accounts reported in my credit file, which are inaccurate, unauthorized, and unlawful. I have no connection with these accounts, nor did I provide any consent for them to be opened or reported. Their inclusion constitutes a serious error that has unfairly damaged my credit reputation.

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 2025-09-25 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: IL

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 2025-09-25 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-09-25 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Unauthorized Inquiries to Be Deleted : XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXXXXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX XXXX XXXX Date XXXX XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : 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 2025-09-25 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: MA

Complaint narrative:
I am disputing inaccurate information being reported on my credit reports by Experian and Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was settled, yet both bureaus continue to report it as charged off with balances due ( {$1500.00} on Experian, {$750.00} on Equifax ). It should report Paid/Settled {$0.00} balance, {$0.00} past due. 

XXXX XXXX XXXX  Listed as closed but still reported as past due with a {$510.00} balance. A closed account should not show as currently past due. Correct status should be Closed {$0.00} past due. 

XXXX XXXX XXXX Equifax shows Pays as Agreed, while Experian shows multiple late payments and flags it as negative. These reports conflict. Late payments should be corrected or removed. 

XXXX XXXX XXXX  Balances are inconsistent across bureaus ( {$330.00} vs. {$300.00} vs. {$100.00} ). Accounts should reflect accurate, current balances and no duplication. 

Personal Information Reports list incorrect name variations ( e.g., XXXX XXXX XXXX, XXXX XXXX XXXX ) These should be removed to prevent file mixing. 

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) requirement for accuracy. I request that the bureaus investigate, correct all errors, update the accounts to their true status, and provide me with corrected credit reports. 

I am providing attached evidence ( settlement plan, account screenshots, and payment confirmations ) showing that these accounts are either settled, current, or have {$0.00} balances. I request that the bureaus update the reporting to reflect accurate balances and statuses, remove any false delinquencies, and correct my personal information ( name/address ). Please provide me with updated reports once the investigation is complete.

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 2025-09-25 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: MN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX  ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
Date : XX/XX/year> RAS Lavrar LLC XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX RE : Dispute of Alleged Debt XXXX XXXX  XXXX. Account Ending in XXXX Amount Claimed : {$2100.00} To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt you claim I owe in the amount of {$2100.00} to XXXX XXXX  XXXX. regarding account ending in XXXX. 

This account is not valid, as I was informed by XXXX XXXX ( the merchant connected to this account ) that the matter was resolved. The original purchase involved a faulty item that could not be repaired or replaced by XXXX XXXX. As a result, the funds I paid were credited back to me, and the account was marked closed. Therefore, no valid debt exists. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you : Provide validation of this alleged debt, including the original signed agreement and complete payment history. 

Cease all collection efforts and communications with me, except as legally required to provide written verification of the alleged debt, per 15 U.S.C. 1692c ( c ).

Cease all credit reporting of this alleged debt to XXXX XXXX XXXX, or any other consumer reporting agency, as continued reporting of an invalid debt constitutes furnishing false information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

Cancel any claim of debt related to this account with XXXX XXXX, as this obligation has been resolved at the merchant level. 

Please note that this request is consistent with protections and policies established by the Consumer Financial Protection Bureau ( CFPB ), which enforces fair debt collection practices and consumer rights. 

If you continue to report this debt to any credit bureau, you will be in violation of both the FDCPA and FCRA, and I will not hesitate to file complaints with the CFPB, the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

I demand written confirmation from you that this matter is resolved, that no further collection activity will be pursued, and that all negative credit reporting related to this account has been removed. 

This letter also serves as a cease-and-desist notice under 15 U.S.C. 1692c ( c ). You are hereby directed to cease all communication with me, except to confirm receipt of this dispute, to provide requested validation, or to notify me of specific legal action. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-25 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXXXXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Unauthorized Inquiries to Be Deleted : XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date XXXX XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief