vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This is a formal complaint against LVNV Funding LLC ( via Resergent Capital Services ) for reporting and continuing to furnish an invalid and unverified debt on my consumer credit file, in violation of the Fair Credit Reporting Act ( XXXX  ) and Fair Debt Collection Practices Act ( XXXX  ). This account is the result of identity theft, and I am not liable for any charges, balances, or activity related to it. I have enclosed a completed Identity theft Affidavit, along with my FTC XXXX Report ( number : XXXX ) as evidence. 
XXXX CFR XXXX theft XXXX XXXX XXXX theft report XXXX XXXX XXXX right to request a file disclosure and documentation, including proof of identify theft XXXX XXXX XXXX key terms including identity theft XXXX XXXX XXXX rules for blocking information resulting from identity theft XXXX XXXX XXXX duties regarding the detection, prevention, and mitigation of identity theft XXXX. Failure to Validate the XXXX ( XXXX U.S.C. XXXX ( b ) : I disputed this account and requested full validation. To date, I have not received any signed contract, itemized accounting, or legal instrument proving the legitimacy or ownership of this debt. 
XXXX. Furnishing inaccurate Information ( XXXX U.S.C. XXXX ( a ) : XXXX, is reporting this alleged debt despite being on notice of my disputes. This remarks reads ; " Account information disputed by consumer ( FCRA ) -PLACED FOR COLLECTION ''. 
XXXX. Reputational Harm & Noncompliance ( XXXX U.S.C. XXXX & XXXX ) : Continued negative reporting of a disputed and unverifiable account direct harm to my creditworthiness, especially when neither the collector nor bureau can legally substantiate the entry. I am attaching a copy of my XXXX  credit report page showing the disputed entry for your review. I respectfully request your office 's oversight in enforcing my rights under the law and removing this harmful, unsupported account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: OH

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent XXXX  inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further XXXX to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I am writing to express my concern regarding the recent restriction and subsequent locking of my checking account without prior notice or explanation. Despite multiple attempts to contact your support team, I have not received a clear reason for this action, nor have I been provided with a timeline for the release of my funds. I understand that accounts may be restricted due to suspected fraud or other security concerns. However, I have not been informed of any such issues related to my account. Additionally, I am aware that accounts can be frozen for reasons such as unpaid debts or suspicious activity. I have come across similar complaints from other SoFi customers who have experienced account restrictions without clear communication or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-06-09 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: MN

Complaint narrative:
I am submitting this complaint because there is inaccurate and/or unverifiable information being reported on my credit report by [ Name of Furnisher or Credit Bureau ] . I disputed this information with the credit reporting agency under my rights granted by the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), which requires that they conduct a reasonable investigation and correct or remove any information that can not be verified. 

Despite my dispute and providing supporting documentation, the information remains on my report without evidence that it was properly verified. I have not received an adequate explanation, nor have I been provided with proof that the information is accurate. This inaccurate reporting is negatively impacting my credit score and financial well-being.

I am requesting that the CFPB assist in ensuring that the credit reporting agency and/or data furnisher comply with the law by properly investigating my dispute and removing or correcting the inaccurate information if it can not be verified. 

ACCT -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 2025-06-09 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: MN

Complaint narrative:
I am submitting this complaint because there is inaccurate and/or unverifiable information being reported on my credit report by [ Name of Furnisher or Credit Bureau ] . I disputed this information with the credit reporting agency under my rights granted by the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), which requires that they conduct a reasonable investigation and correct or remove any information that can not be verified. 

Despite my dispute and providing supporting documentation, the information remains on my report without evidence that it was properly verified. I have not received an adequate explanation, nor have I been provided with proof that the information is accurate. This inaccurate reporting is negatively impacting my credit score and financial well-being.

I am requesting that the CFPB assist in ensuring that the credit reporting agency and/or data furnisher comply with the law by properly investigating my dispute and removing or correcting the inaccurate information if it can not be verified. 

ACCT -XXXX  ( XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: OH

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate and damaging information concerning multiple accounts falsely marked as having late payments. Specifically : XXXX XXXX XXXX reported a late payment for XX/XX/XXXX, and XXXX XXXX ( formerly Simple Finance ) reported late payments for XXXX and XX/XX/XXXX. 

These reports are completely false. I made all required payments on time, and at no point did I default, delay, or miss any contractual obligations with these creditors. 

These inaccuracies are not only damaging but illegal under federal law, including the following : Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e ( b ) Reasonable Procedures to Assure Maximum Possible Accuracy Credit reporting agencies must follow reasonable procedures to ensure the accuracy of information they report. Reporting late payments that never occurred shows a complete failure to follow those procedures, making the furnished data inaccurate and misleading. 

15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Duty of Furnishers to Provide Accurate Information Furnishers of information ( like XXXX XXXX and XXXX XXXX XXXX are legally required to report only accurate, complete, and updated information. By reporting false delinquencies, these creditors have directly violated their responsibilities under the FCRA. 

15 U.S. Code 1681s-2 ( b ) Duty to Investigate Disputed Information Once I submitted a formal dispute, the furnishers and credit reporting agencies had a legal obligation to fully investigate and remove or correct any unverifiable or inaccurate data. Failure to do so would be a violation of your legal duty under this provision. 

15 U.S. Code 1666b Billing Error Rules Regarding Timing of Payment A creditor may not legally mark a payment as late unless they have adopted and followed procedures to ensure billing statements are delivered at least 21 days before the payment due date. If this timeline was not honored by the creditor, any resulting late payment record is illegally placed and must be removed immediately.

15 U.S. Code 1681i ( a ) Duty to Reinvestigate Disputed Information Once notified, the credit bureaus must reinvestigate within 30 days. If they can not verify the accuracy of the reported late payments, they are legally required to delete them.

Impact on Me as a Consumer : These violations have caused severe damage to my credit profile, resulted in financial loss, limited access to credit opportunities, and inflicted significant stress and emotional harm. This reckless reporting and failure to maintain accurate records is a direct violation of my federally protected rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: OH

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate and damaging information concerning multiple accounts falsely marked as having late payments. Specifically : XXXX XXXX XXXX reported a late payment for XX/XX/XXXX, and XXXX XXXX ( formerly Simple Finance ) reported late payments for XXXX and XX/XX/XXXX. 

These reports are completely false. I made all required payments on time, and at no point did I default, delay, or miss any contractual obligations with these creditors. 

These inaccuracies are not only damaging but illegal under federal law, including the following : Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e ( b ) Reasonable Procedures to Assure Maximum Possible Accuracy Credit reporting agencies must follow reasonable procedures to ensure the accuracy of information they report. Reporting late payments that never occurred shows a complete failure to follow those procedures, making the furnished data inaccurate and misleading. 

15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Duty of Furnishers to Provide Accurate Information Furnishers of information ( like XXXX XXXX and XXXX XXXX XXXX are legally required to report only accurate, complete, and updated information. By reporting false delinquencies, these creditors have directly violated their responsibilities under the FCRA. 

15 U.S. Code 1681s-2 ( b ) Duty to Investigate Disputed Information Once I submitted a formal dispute, the furnishers and credit reporting agencies had a legal obligation to fully investigate and remove or correct any unverifiable or inaccurate data. Failure to do so would be a violation of your legal duty under this provision. 

15 U.S. Code 1666b Billing Error Rules Regarding Timing of Payment A creditor may not legally mark a payment as late unless they have adopted and followed procedures to ensure billing statements are delivered at least 21 days before the payment due date. If this timeline was not honored by the creditor, any resulting late payment record is illegally placed and must be removed immediately.

15 U.S. Code 1681i ( a ) Duty to Reinvestigate Disputed Information Once notified, the credit bureaus must reinvestigate within 30 days. If they can not verify the accuracy of the reported late payments, they are legally required to delete them.

Impact on Me as a Consumer : These violations have caused severe damage to my credit profile, resulted in financial loss, limited access to credit opportunities, and inflicted significant stress and emotional harm. This reckless reporting and failure to maintain accurate records is a direct violation of my federally protected rights.

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 2025-06-09 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: AL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with XXXX XXXX of the Fair Credit Reporting Act.

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 2025-06-09 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: FL

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax which is being inconsistently reported among the national credit bureaus.

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 2025-06-09 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: FL

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax which is being inconsistently reported among the national credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NC

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per XXXX XXXX, I request their removal within XXXX days. Attached are supporting documents.

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 2025-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: MA

Complaint narrative:
Discover card says I owe them an amount of {$1400.00} ( last four account number is XXXX ). That account was created without my consent. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: NY

Complaint narrative:
Again I contacted them on the XXXX on the day the transaction happened. I was told by the male representative that the card would be canceled and they would put in the dispute. The representative also told me that he does not see any company under the name XXXX XXXX. I should see the money in my account within XXXX to XXXX business days. I called back on the XXXX of XXXX to find out there was no dispute submitted just the card canceled. I have a screenshots of the emails to prove it. They did not put the dispute in until XXXX the XXXX. I got the request for additional information on XXXX the XXXX which I filled out. After I filled out the information I noticed that they already had denied me before they sent the request in for additional information on XXXX the XXXX. How can you deny me if I've never received the email to fill out any additional information on the dispute? I called them again on the XXXX several times and told them about me getting the police report. The day I made the police report I had the police number for the case but I had to wait until the next day to get the actual police report. I was told once I get the police report I would receive the funds back in my account. Representative name was XXXX. After I submitted the information I got an email telling me that they would look into it. But then I looked on the emails again they already had denied me. I kept records of all the emails and the telephone calls. Each representative put me on hold to verify there is no company in XXXX named XXXX XXXX. The only thing that I can think of is that there XXXX have been some type of scam system on a gas pump that I tried to use and it declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX  - Account Number : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX SERVICE Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation