vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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: NC

Complaint narrative:
This XXXX student loan was XXXX in bankruptcy. However, the account is still reporting as open with balance due and late payments. I have previously disputed this with both servicer and the credit bureaus and XXXX refused to correct it. The account should show {$0.00} balance and be marked as closed/discharged. This inaccurate reporting is damaging my credit and preventing access to financial services. 

XXXX is the original servicer. The bankruptcy was XXXX then get late notice in XXXX about this account. I had never heard of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This XXXX student loan was discharged in bankruptcy. However, the account is still reporting as open with balance due and late payments. I have previously disputed this with both servicer and the credit bureaus and XXXX refused to correct it. The account should show {$0.00} balance and be marked as closed/discharged. This inaccurate reporting is damaging my credit and preventing access to financial services. 

XXXX is the original servicer. The bankruptcy was discharged then get late notice in XXXX about this account. I had never heard of 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 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
XX/XX/year> sent payment for a product. Payment for {$120.00}, never received product. Cash app will not refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have been reaching out to this company numerous times. When I first contacted the company the companies name was LVNV, and I had asked to verify this debt because, I never opened an account on XX/XX/year> with this company, and I never did business with Pier XXXX Imports or XXXX Bank in XXXX I don't even believe there was a store nearby that was XXXX XXXX XXXX to my home. I tried disputing this account multiple times, and work with this company however, every time I called they have been giving me misinformation. 

Few days ago, I called this company and they told me their business name was Resurgent, and were asking for my personal information. If I owed this debt wouldn't they have my personal information. In addition, this company is reporting inaccurate information to all three credit bureaus please see attached. I have a pretty good relationship with XXXX XXXX and currently have an XXXX and XXXX card. I am not sure of LVNV and Resurgent.

Please remove this from my credit report, and see attached screenshots of the inaccuracies being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: NC

Complaint narrative:
I am a victim of identity theft, someone has stolen my information and opened up several cell phone or internet accounts, credit cards etc.

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 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I accidentally sent XXXX through Zelle on XX/XX/XXXX to XXXX XXXX XXXX that shouldve went to my credit card I noticed my bank chase as soon as I noticed it I was informed that there was nothing they could do and I would need to notify the reciprocate to return the money I sent a request to them to return the money I called and left a message I sent a text explaining that the money was meant to pay my bill with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I submitted a debt validation request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, regarding a collection account Portfolio Recovery Associates claims was purchased from XXXX XXXX. 

On or about XX/XX/year>, I sent a formal letter requesting full validation of the debt, including : the itemized account history, proof of legal ownership, and a signed agreement obligating me to the alleged debt. Portfolio Recovery responded by stating they purchased the debt and verified basic identity information, but they did not provide any of the documentation I specifically requested under federal law. 

They acknowledged my dispute, marked the account as disputed on my credit report, and agreed to cease communication. However, their response does not satisfy the legal requirements for debt validation, as they did not provide a contract, full accounting, or chain of title. I believe this violates my rights under FDCPA and potentially the Fair Credit Reporting Act ( FCRA ) if they continue to report without proper validation. 

I am submitting a follow-up letter to be forwarded to the company and request further investigation by the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: 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, CHALLENGEDORNOT.

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 2025-06-21 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: TN

Complaint narrative:
PLEASE CHECK THE INFORMATION CONCERNING THE EQUIFAX DATA BREACH BELOW IN ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/year>, I submitted a fraud dispute for the XXXX account and mailed all required documentation, including a government-issued ID showing my full name and date of birth, as well as proof of address. I explained that I could not provide the account number because the account had already been closed and placed in collections. Despite providing sufficient identifying information, XXXX failed to respond to my dispute within the XXXX investigation period mandated by the Fair Credit Reporting Act ( FCRA 1681i ).

As a result, Experian correctly deleted the account, and my credit score improved. However, when I accessed my Experian report via their app, the account still appeared, and the dispute status remained marked as pending, even though my score had increased. Subsequently, the account reappeared on my report as XXXX XXXX, marked as updated and verified. 

Discovers response came XXXX months late and only after Experian delayed the investigation by requesting my date of birth and account numberinformation I had already provided with supporting verification. XXXX never responded to me directly but only to Experian after the account was removed. Additionally, XXXX sent a letter falsely claiming I failed to provide identifying information, despite my submission of valid proof. 

Even while the account was shown as deleted, the dispute status stayed pending, and shortly afterward, the account was reinserted and marked verified without my consent and beyond the legal deadline. I never received the required five-day reinsertion notice from Experian as required by FCRA 1681i ( a ) ( 5 ) ( B ).

This accounts improper reinsertion has caused a XXXX drop in my credit score. Therefore, I am formally requesting that the account be permanently deleted from my credit report, that a fraud block be applied, and that all inaccurate and improperly reinserted information be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: VA

Complaint narrative:
On XX/XX/year>, I fully paid off all amounts owed to Self Financial , Inc. ( Self Lender ). Despite the account being paid in full, Self has continued to report the account as closed and past due with missed payments to the credit bureaus.

This reporting is inaccurate and misleading. A paid-off account should not reflect delinquencies, especially after it has been settled in full. Self has failed to update or correct this information, which negatively impacts my credit profile.

I am formally requesting that the inaccurate payment history be removed entirely from my credit reports, or that the entire account be deleted if accurate reporting can not be ensured. This falls under my rights per the Fair Credit Reporting Act ( FCRA ), which requires that only accurate, timely, and verifiable information be reported. 

I am requesting the CFPBs assistance in having this matter resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The accounts listed on my consumer reports need to be removed because these were all accounts I had to include in my bankruptcy due to fraud/idenity 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 2025-06-21 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: TN

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, CHALLENGEDORNOT.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was in contact with XXXX XXXX XXXX display payment was deliberately placed on my account due to retaliatory response from the XXXX at the office in returnSubject : DEMAND FOR IMMEDIATE DELETION of False Late Payment Account # XXXX XXXX XXXX and this account deleted Monetary Claim : {$25000.00} in Damages for FCRA Violations and Defamation of Credit Worthiness To Whom It May Concern, I am writing to issue a formal and final demand for the immediate deletion of a false and defamatory late payment reported on my credit file regarding XXXX XXXX account ending in XXXX. 

On XX/XX/year>, XXXX own insurance XXXX XXXX and XXXX XXXX Companyconfirmed in writing that my XXXX claim was approved and that benefits were paid through XX/XX/year>, specifically covering the time period in which I was allegedly late. 

Despite this official documentation showing the loan was covered, a late payment was fraudulently reported, which has damaged my credit standing, reduced my score, and impaired my access to credit. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) under 1681s-2 and a defamation of credit for which you are jointly liable. 
This false reporting has : Damaged my credit score, affecting my ability to secure financial opportunities. 
Constituted negligence or willful misreporting in light of clearly documented insurance coverage. 
Potentially risen to the level of defamation of credit worthiness, for which I reserve the right to pursue full legal remedy under applicable state and federal laws. Legal Consequences of Noncompliance : Should this inaccurate information not be deleted within 15 calendar days, I will : File a lawsuit for defamation, negligent reporting, and FCRA violations. 
Seek damages for emotional distress, credit denials, and financial harm. 
File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and Office of the Comptroller of the Currency ( OCC ). 
Involve my legal counsel to pursue further action. 



I demand your immediate attention to this matter. My rights under the FCRA and other consumer protection statutes are not optional. Your failure to correct this mistake will be taken as willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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:
I am formally disputing the continued reporting of a XXXX XXXX account ending in XXXX, which is listed on my credit file. According to Capital Ones own correspondence, this account was : Opened on XX/XX/XXXX Last payment made on XX/XX/XXXX Charged off with a balance of {$13.00} Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ) ) and Florida Statutes 95.11 ( 2 ) ( b ), any charge-off or delinquent account that is beyond the five-year statute of limitations for written contracts is no longer legally enforceable and should not be reported as valid or collectible. Since this account became time-barred under Florida law XXXX [ XXXX, XXXX XXXX, XX/XX/XXXX ], it must no longer appear on my credit report as an active or outstanding debt. Continuing to report this account misrepresents its legal status and violates both federal and state consumer protection laws. Therefore, I demand its immediate deletion from all credit reporting agencies. 
Since this account became time-barred under Florida law XXXX XX/XX/XXXX, it must no longer appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
I submitted to TransUnion an Identity Theft Report from XXXX ( downloaded directly from the official site ), proof of my identity, and a statement identifying the fraudulent accounts on my credit report that I did not open the accounts being XXXX XXXX XXXX 

TransUnion XXXX XXXX informed me that they would not block or delete the fraudulent accounts because the document number was the same as a previous reporteven though the report came from XXXX. XXXX claimed this reflected a TransUnion policy, but refused to provide or cite any policy or documentation supporting her statement. 

When escalated, XXXX XXXX admitted XXXX was wrong that document number matching is not a valid legal basis. Despite this, XXXX still refused to block the accounts, stating I must wait 30 days for the creditor/furnisher to supply information. She also refused to provide written confirmation or cite any policy, and showed no concern for complying with the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 605 ( b ), TransUnion is required to block fraudulent items within XXXX business days of receiving a valid Identity Theft Report, proof of identity, identification of the items, and a statement the items werent opened by me XXXX Their refusal based on document numbers and delaying tactics are clear violations of federal law.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing the continued reporting of a XXXX XXXX account ending in XXXX, which is listed on my credit file. According to Capital Ones own correspondence, this account was : Opened on XX/XX/XXXX Last payment made on XX/XX/XXXX Charged off with a balance of {$13.00} Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ) ) and Florida Statutes 95.11 ( 2 ) ( b ), any charge-off or delinquent account that is beyond the five-year statute of limitations for written contracts is no longer legally enforceable and should not be reported as valid or collectible. Since this account became time-barred under Florida law XXXX [ XXXX, XXXX XXXX, XX/XX/XXXX ], it must no longer appear on my credit report as an active or outstanding debt. Continuing to report this account misrepresents its legal status and violates both federal and state consumer protection laws. Therefore, I demand its immediate deletion from all credit reporting agencies. 
Since this account became time-barred under Florida law XXXX XX/XX/XXXX, it must no longer appear on my credit report.

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 2025-06-21 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 am filing this complaint regarding a collection account reported by XXXX XXXX XXXX on my Experian credit report in the amount of {$730.00}, allegedly originating from XXXX XXXX XXXX. The account was listed as opened on XX/XX/year>, and marked as a collection as of XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is inaccurate or incomplete. According to FCRA 611 ( 15 U.S.C. 1681i ), the furnisher of information ( Credence in this case ) is required to conduct a reasonable investigation once a dispute is submitted. While my credit report indicates the account was previously in dispute and that the investigation [ is ] complete, I was never provided with any documentation or evidence to validate the debt under FCRA 809 ( 15 U.S.C. 1692g ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Per these laws, I am entitled to : XXXX. Verification of the debt, including a copy of the original agreement with XXXX XXXX XXXX. 
XXXX. Itemized charges and account history proving the debts accuracy. 
XXXX. Proof that XXXX is legally authorized to collect on this debt. 

To date, I have not received any of this. Reporting a collection account without proper validation violates FCRA 623 ( 15 U.S.C. 1681s2 ), which prohibits furnishing inaccurate or unverifiable information. 

This unverified collection is causing significant harm to my credit profile. I respectfully request that the CFPB require XXXX XXXX XXXX to either : Provide full documentation to verify the debts accuracy, amount, and ownership ; or Immediately delete the account from all credit bureaus if validation can not be produced. 

I am asserting my rights under both the FCRA and FDCPA and requesting the Bureaus support in ensuring this matter is resolved in compliance with federal law.

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 2025-06-21 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:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX  days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief