vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Propel, Inc.
State: CA

Complaint narrative:
I asked for my funds to be returned to me. 
I was given the run around.... including phone numbers that were useless and a website that tells me my remaining balance. I've been given nothing that I've asked for. I was only finally able to reach you them through the better business bureau and their response once again was incomplete at best and lacking in any useful info. And I reply as much and am still waiting for their response. It's been a few days since I responded. 
To be clear I was forced to get by without access to my funds for nearly XXXX  months now. And yes it's taken a toll on my mental health. A severe toll actually as it has led me to once again fall I to a deep XXXX which I had only just finally begun to pull myself out of after being on a lengthy period of XXXX. That's the truth if there ever was truth. 
I hope you guy 's will be able to help, sincerely XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. XXXX - Opened XX/XX/XXXX With a balance of {$0.00} XXXX  XXXX - Opened XX/XX/XXXXXXXX  With a balance of {$590.00} XXXX XXXX XXXX  - Opened XX/XX/XXXXXXXX  With a balance of {$330.00} XXXX XXXX XXXX- Opened XX/XX/XXXX With a balance of {$250.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

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 2025-07-24 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MO

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I attended XXXX XXXXXXXX XXXX from XXXX to XXXX. I paid my loan off ( or so I was under the assumption ) the loan company was XXXX  Student Loans. Then I started to notice during the time of XXXX, I started to receive mail from a company called Nelnet. Saying i am obligated to pay {$50.00} a month towards my student loans. I never signed anything for a payment plan of any sort. I have documented evidence saying I payed off the student loan that I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: AL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
On my credit report it shows I missed 1 payment. Ive never missed a payment before and that should be removed from my credit report as a missed payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: LA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-24 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 2025-07-24 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:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to XXXX XXXX. XXXX, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX - XXXX XXXX XXXX XXXXXXXX Pursuant to XXXX U.S.C. XXXX, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported.

I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than XXXX  days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Numerous of time I requested verification of debt. Also there missing spots that are incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
Equifax, Experian, and XXXX XXXX, as well as the furnisher ( s ) of inaccurate information on my credit report, have reported derogatory information on my credit report without my expressed written consent. In doing so, these entities have violated several sections of the Fair Credit Reporting Act ( FCRA ), Privacy Act of 1974, Family Educational Rights and Privacy Act of 1974, and other relevant federal statutes.

Summary of Violation : Lack of Written Consent ( 15 U.S.C. 1681b ) : I have not provided any written consent to have my information reported to Equifax, Experian, and XXXX XXXX. According to 15 U.S.C.

1681b ( a ) ( 2 ), consumer reporting agencies must have the consumers written consent to report their information. Additionally, I have not been notified of my right to opt-out, as required under 15 U.S.C.

6802. No opt-out notice was provided to me by Equifax, Experian, XXXX XXXX , or the furnisher ( s ) ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) of the inaccurate information. Therefore, their actions violate my right to privacy and confidentiality. 

Violation of Privacy Rights ( Privacy Act of 1974 ) : The disclosure of my personal information by these agencies, without my written consent, this also violates the Privacy Act of 1974 ( 5 U.S.C.

552a ). Both Equifax and Experian are obligated to protect my nonpublic personal information and can not share it with nonaffiliated third parties without my explicit consent.

Inaccurate Reporting of Adverse Information ( 15 U.S.C. 1681c ) : The reporting of adverse items on my credit report ( e.g., late payments, accounts in collections ) without my written consent ( ex : XX/XX/XXXX, XXXX XXXX XXXX reported late payment, this is an adverse action ) constitutes a violation of 15 U.S.C. 1681c. According to this statute, consumer reporting agencies must not report any adverse information that is more than seven years old ( nearly all XXXX accounts/reporting is seven years or older ), nor should they report any information that is inaccurate. This violation of the law has caused significant damage to my credit standing Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ) : Equifax and Experian have failed to maintain reasonable procedures to ensure that my credit report is accurate, as required by 15 U.S.C.

1681e ( b ). This lack of due diligence resulted in the continued reporting of incorrect information, despite my attempts to rectify the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-24 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute inaccurate and potentially unverifiable information regarding the following closed account : Collection Agency : LVNV Funding LLC I believe the information being reported on this account is inaccurate. Specifically : Original Creditor Closed Account Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i, I request that you reinvestigate this information, and either update or remove all inaccurate or unverifiable data. 

Furthermore, if your reinvestigation confirms the current reporting as accurate, I am exercising my right under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) to request a detailed description of the procedures used to verify the information, the name and address of the furnisher ( XXXX XXXX XXXX XXXX XXXX, and copies of all documents used in the verification. 

Please complete your reinvestigation and respond within the XXXX window provided by the FCRA. I have included a copy of my ID, proof of address, and any supporting documentation to aid your process. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I am writing to dispute several hard inquiries on my credit report that I do not recognize or recall authorizing. There are numerous inquiries listed that I am not aware of, and I am requesting that these be investigated and removed XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX BRCLYSBANKDE ( Bank ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/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 2025-07-24 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: IL

Complaint narrative:
On XX/XX/year>, I contacted XXXX regarding a fraudulent credit card account ending in XXXX, which I did not open. At the time, the representative informed me that there was no such account associated with my information. 

However, today, on XX/XX/year>, I received a credit alert from XXXX indicating that this XXXX account has been opened with an opening balance of {$1500.00}. 

I have already filed an identity theft report via XXXX and placed fraud alerts and credit freezes on XXXX  XXXX  credit bureaus. 

Please treat this matter as urgent. I am requesting that this account be immediately investigated, closed, and removed from my credit report, and that no further charges be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: EQUIFAX, INC.
State: OK

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: IL

Complaint narrative:
I am currently in active litigation in federal court against XXXX XXXX, over a charge that is disputed and under court review ( XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ). Despite XXXX knowing this, they continue to report negative information about this account. 
XXXX has represented to the CFPB and the court that this account is in litigation, yet they is still reporting a balance and adding late payments. This is inaccurate, prejudicial, and has harmed my credit score during litigation. 
Fair Credit Reporting Act ( FCRA ) requires furnishers and credit bureaus to mark an account as disputed and to fully and fairly investigate. They has failed to do so, and this is harming me financially and emotionally.

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 2025-07-24 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: IL

Complaint narrative:
I am currently in active litigation in federal court against XXXX XXXX, over a charge that is disputed and under court review ( XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ). Despite XXXX knowing this, they continue to report negative information about this account. 
XXXX has represented to the CFPB and the court that this account is in litigation, yet they is still reporting a balance and adding late payments. This is inaccurate, prejudicial, and has harmed my credit score during litigation. 
Fair Credit Reporting Act ( FCRA ) requires furnishers and credit bureaus to mark an account as disputed and to fully and fairly investigate. They has failed to do so, and this is harming me financially and emotionally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
XXXX  - I was never late on this account, please remove late payment history.

Company response to consumer: Closed with non-monetary relief