vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: UT

Complaint narrative:
A Permanent and Totally XXXX Veteran, XXXX XXXX, is a Victim of Identity Theft. 

A disputed, Incorrect and Duplicative Reporting of a Trade Line with " XXXX XXXX XXXX XXXX XXXX '' ( XXXX. hereafter ) is reporting a XXXX XXXX off. The account info shows the opening date : XX/XX/XXXX. Also, a last payment date of XX/XX/XXXX with a current amount of {$2000.00} charged off is showing as of : XX/XX/XXXX. 

Per the same Transunion Credit Report, the debt is assigned to XXXX XXXX XXXX is illegally attempting to collect for the Original Creditor " University XXXX XXXX XXXX XXXX ''. The date opened is XX/XX/XXXX for the amount of {$2600.00}. Both debts have been validated by representatives of the current XXXX XXXX XXXX XXXX XXXX formerly XXXX XXXX XXXX XXXX, XXXX University XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX as valid, Charged Off, Collection accounts on my Transunion Credit Report as of today : XX/XX/XXXX. 

The XXXX XXXX XXXX XXXX has written an article re the former University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : https : XXXX I Paid the University XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Cancellation in the case of my XXXX beginning on or about XX/XX/XXXX. The Debt should have cancelled due to my disability and subsequent involuntary unemployment.

No way should the same debt show TWO DEBTS TO TWO CREDITORS FOR THE SAME ONE DEBT. THE DEBT WAS OR SHOULD HAVE BEEN PAID BY DEBT PROTECTION through the University XXXX XXXX. 's XXXX XXXX paid with my regular monthly payments to the original creditor.

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 2025-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Profolio Recovery called me today to collect debt from may of credit card company XXXX was one of them I asked them to provide me the documents that I signed with XXXX and the other company when I was applying for the credit card they said they sent them to me. Which was a lie what I got was court papers saying Recovery profolio is suing me. And the person even said that on the phone called this morning that they are suing me since I am not paying them. The person was asking me for my email address I said to him/her the way she got my phone number she should have got them because I did provide them to XXXX and the other companies when I was applying for their credit cards since profolio Recovery called me to court when I know I did not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I received a notification that {$100.00} was in my cash app account on XX/XX/XXXX at XXXX XXXX XXXX. Once I opened the notification another notification was sent saying that transferred {$100.00} to an individual I do not know named XXXX XXXX on XX/XX/XXXX at XXXXXXXX XXXX XXXX. I do not know this individual nor did I send this money to him. At the time of the transaction I was located aty church ( XXXX XXXX Church of XXXX ) in XXXX, Ga. I was in procession of my phone and no one was around me because I was in the sound booth of the church Immediately after church ( around XXXXXXXX XXXX ) I called and filed a report with Cashapp XXXX I didn't hear anything for a couple of days so I went into the cashapp app and filed a claim again this time through the app not on the phone. I immediately removed my debit card from my cash app account. 

On XX/XX/XXXX around XXXX XXXX I went to my bank and got a new debit card. I felt safer to do that in case my card had been compromised. 

On XX/XX/XXXX I received an email from Cashapp that they determined that I sent the money to the individual and the claim was denied. And nothing further could be done. I then called Cashapp and they said they would escalate the denial for further review. XX/XX/XXXX I received another email stating that they found the transaction not to be fraudulent and that the claim was denied. 

Someone hacked my account and sent themselves this money. I had not used my Cashapp since XX/XX/XXXX. I need help because I need my money back. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
What Happened : I am reporting multiple fraudulent accounts that were opened under my identity without my knowledge or authorization. I did not apply for, open, or use these accounts. I discovered them while reviewing my credit report. 

The fraudulent accounts include : XXXX XXXX Opened on XX/XX/XXXX Balance : {$230.00} XXXX XXXX Opened on XX/XX/XXXX Balance : {$790.00} XXXX XXXX XXXX Opened on XX/XX/XXXX I have never done business with these companies. These accounts were not opened by me and are the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
What Happened : I am reporting multiple fraudulent accounts that were opened under my identity without my knowledge or authorization. I did not apply for, open, or use these accounts. I discovered them while reviewing my credit report. 

The fraudulent accounts include : XXXX XXXX Opened on XX/XX/XXXX Balance : {$230.00} XXXX XXXX Opened on XX/XX/XXXX Balance : {$790.00} XXXX XXXX XXXX Opened on XX/XX/XXXX I have never done business with these companies. These accounts were not opened by me and are the result of 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 non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
In XXXX My ex-husband and I had separate accounts with Navy Federal CU . Upon his arrest for fraud, because he used his account fraudulently and while I was on vacation accessed my accounts as well. Once I was notified, I contacted NFCU at time of incident. They closed my account and stated funds would be sent to address on file. I never received the funds which was XXXX. Every month since this happened in 2019 I get my savings statements and have copied them and sent to bank when requesting my funds. All with no avail. It has been 6 to 7 years, and I've contacted branch managers, I've reached out to headquarters and they state there is a negative balance in which is not true. Every month for 7years I get a statement of my balance. I've requested in writing to release funds. Also requested via phone, email and in writing any documentation of what happened as well as written documentation of their terms and agreements, as well as reasoning as to why NFCU are withholding. This is my savings account therefore none of that fraudulent activity was accessible. I just recently filled complaint with the OCC. This has caused major life issues to my family as I am a single working mother. Now that my ex-husband was arrested, I divorced him and am no longer with his last name of XXXX. All bank employees I've spoken to would not remove the last name even with proper documentation. He was arrested and charged with fraud, theft and forgery on numerous incidents. Immediately upon his arrest I notified the bank so they can do whatever protocols they needed to. I was never contacted again. Due to the this I suffered severe consequences in life and have hired an attorney to overlook and potentially BE compensated for the suffering my family and I endured.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Nelnet made a mistake in my loan repayment for my federal loans and as a result sent negative credit reporting to credit reporting agencies. I am asking them to fix their mistake and remove the negative reporting but they are saying they need a federal agency like the CFPB or Dept. of Education to instruct them to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$350.00} XXXX XXXX XXXX # XXXX XX/XX/year> -- {$1100.00}

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 2025-05-31 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: TX

Complaint narrative:
I am writing to formally dispute an account that appears on my credit report, which I believe does not belong to me. 

The account in question is listed as follows : XXXX XXXX Date Opened : XX/XX/year> Balance : XXXX I have reviewed my credit report carefully, and I have no knowledge of this account, nor have I ever opened or authorized such an account. I suspect this may be the result of a mistake, identity theft, or a mixed file issue. 

According to the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and remove the inaccurate account from my credit report. Please provide me with written confirmation of the results of your investigation. 
I am a victim of a data breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than XXXX business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court 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 2025-05-31 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 am writing to formally dispute an account that appears on my credit report, which I believe does not belong to me. 

The account in question is listed as follows : XXXX XXXX Date Opened : XX/XX/year> Balance : XXXX I have reviewed my credit report carefully, and I have no knowledge of this account, nor have I ever opened or authorized such an account. I suspect this may be the result of a mistake, identity theft, or a mixed file issue. 

According to the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and remove the inaccurate account from my credit report. Please provide me with written confirmation of the results of your investigation. 
I am a victim of a data breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than XXXX business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TekCollect Inc.
State: UT

Complaint narrative:
I got a text message for an unresolved debt. But there are a number of things wrong.

1. The amount was higher than original 2. The link they sent in text doesnt work.

3. I tried to contact them through phone. I talked to a lady and she got my card information but it wouldnt go through. ( No issues on my end. She then told me she cant do anything about it and that she would have a supervisor call email me. After hanging up I never received an email and now I have tried calling several times and cant even get ahold of the company now. I am willing and able to pay and all other debts have been paid but this one is really affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: TX

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 non-monetary relief
Consumer complaint received 2025-06-01 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: MI

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

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than FTC STATES THAT COLLECTION COMPANIES ARE ILLEGAL! .. 


PLEASE REMOVE ALL ACCOUNTS A.S.A.P ACCOUNTS : XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account number - XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXX Account number - 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 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XX/XX/year>, {$1000.00} reported to credit bureau as a collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I previously had a charged-off account with XXXX XXXX that was fully paid and resolved years ago. The account has been reporting negatively on my credit report for over 6.5 years. According to the Fair Credit Reporting Act ( FCRA ), negative items can only remain for 7 years, and this account is due to be automatically removed from my credit reports in XX/XX/2025. 

Despite having paid the account in full and requesting a goodwill deletion multiple times from XXXX XXXX, the account continues to appear and negatively affect my credit standing. I do not owe any money, and I believe that it is unnecessarily punitive and harmful for this account to continue reporting for the remaining few months. 

I have contacted XXXX XXXX directly with written and verbal requests, and they have refused to remove it or even consider an early exclusion.

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 2025-05-31 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: IL

Complaint narrative:
I previously had a charged-off account with XXXX XXXX that was fully paid and resolved years ago. The account has been reporting negatively on my credit report for over 6.5 years. According to the Fair Credit Reporting Act ( FCRA ), negative items can only remain for 7 years, and this account is due to be automatically removed from my credit reports in XX/XX/year>. 

Despite having paid the account in full and requesting a goodwill deletion multiple times from XXXX XXXX, the account continues to appear and negatively affect my credit standing. I do not owe any money, and I believe that it is unnecessarily punitive and harmful for this account to continue reporting for the remaining few months. 

I have contacted XXXX XXXX directly with written and verbal requests, and they have refused to remove it or even consider an early exclusion.

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 2025-05-31 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: WV

Complaint narrative:
the following accounts were opened, taken over after closing or relocating out of state without permission.They have been reported to the police and to identity theft for reporting a fraudulent account after closer

Company response to consumer: Closed with explanation