vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-13 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
got a loan for the car and the car stopped working the same day I was told it would get taken off because I no longer have the car they have it and knew it was prior issues. I was told it was taken off buy they never did and the balance is still there and its effecting my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Against LVNV Funding LLC Account Number : XXXX Date Opened : XX/XX/year> Term : 1 Month Type : Debt Buyer / Collection To Whom It May Concern, I am formally filing a complaint against LVNV Funding LLC for reporting fraudulent and inaccurate information on my credit report without my consent or legal authorization. This account is listed as opened on XX/XX/year>, with a one-month term, yet I have never had any business, contractual relationship, or communication with LVNV Funding or any associated entities.

This account is entirely fraudulent and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681 et seq., which mandates that any furnisher of information must conduct a reasonable investigation into disputed information. LVNV Funding has failed to notify or verify this debt with me and did not provide any original documentation or validation of the alleged debt upon placement or reporting. This failure is also a violation of 15 U.S. Code 1681i and 1681s-2, which outlines strict responsibilities of furnishers and credit bureaus when a consumer reports identity theft or disputes an account.

Furthermore, I have never given consent for my Social Security number, name, or personal identifying information to be used by or with LVNV Funding. This is a clear case of identity theft, and I have filed a fraud report with the Federal Trade Commission ( FTC ).

Their placement of this account on my credit profile without documentation, communication, or consent is harassment, negligence, and a willful violation of my consumer rights under federal law. This has caused me harm, emotional distress, and the potential for financial damage through adverse action based on false information.

I demand the CFPB investigate this matter urgently, compel LVNV Funding to provide proof of original documentation and contractual obligation, and remove this fraudulent account from all consumer credit bureaus immediately. If no valid contract or debt is presented, this reporting constitutes malicious and deceptive business practice, and I will consider seeking legal action for damages.

Relief Requested : Immediate deletion of the fraudulent LVNV Funding account from all consumer reporting agencies Written confirmation of removal A full investigation into LVNV Fundings reporting practices Civil penalties and enforcement as applicable under federal law Please confirm receipt of this complaint and provide updates regarding the investigation process. My identity has been compromised, and I expect full accountability for this unlawful reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: ID

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To : Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Unauthorized Hard Inquiry Dispute Dear [ Equifax XXXX XXXX XXXX XXXX ], I am writing to formally dispute certain hard inquiries listed on my credit report that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be investigated and removed from my credit file if they are found to be unauthorized. 

The following hard inquiries appear on my report without my knowledge or consent : XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : Unauthorized XXXX XXXX. 
Date of Inquiry : XX/XX/XXXX Reason for Dispute : Unauthorized XXXX XXXX Date of inquiry : XX/XX/XXXX Reason for Dispute : Unauthorized XXXX XXXX XXXX Date of Inquiry : XXXX XXXX, XXXX Reason for Dispute : Unauthorized XXXX XXXX Date of Inquiry : XXXX XXXX, XXXX Reason for Inquiry : Unauthorized XXXX Date of Inquiry : XXXX XXXX, XXXX Reason for Dispute : Unauthorized XXXX XXXX XXXX  Date of Inquiry : XXXX. XXXX, XXXX Reason for Dispute : Unauthorized XXXX XXXX XXXX Date of Inquiry : XXXX. XXXX, XXXX Reason for Dispute : Unauthorized XXXX XXXX XXXXXXXX Date of Inquiry : XXXX. XXXX, XXXX Reason for Dispute : Unauthorized XXXX XXXX Date of Inquiry : XXXX. XXXX, XXXX Reason for Dispute : Unauthorized XXXX XXXX Date for Inquiry : XXXX XXXX, XXXX Reason for Dispute : Unauthorized XXXX  Date of Inquiry : XXXX XXXX, XXXX Reason for Dispute : Unauthorized I have never applied for credit with these companies and did not authorize them to access my credit file. I suspect these may be the result of a data breach or unauthorized activity. Please conduct an investigation into these inquiries and provide me with the results. If you determine that the inquiries were not properly authorized, I request that they be removed from my credit report immediately. 

Enclosed are the following documents to verify my identity and address : A copy of my government-issued photo ID A recent utility bill or bank statement showing my name and current address Please respond to this dispute in writing and provide an updated copy of my credit report upon completion of your investigation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/year> Subject : Dispute of Unauthorized XXXX Inquiry on Credit Report To Whom It XXXX Concern, I am writing to formally dispute an unauthorized XXXX  inquiry listed on my credit report. I recently obtained a copy of my credit report from your bureau and noticed a XXXX  inquiry from Ally Financial dated XXXX, which I do not recognize and did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), XXXX inquiries should only be made with my explicit authorization, typically in connection with a credit application I have initiated. I have not applied for credit with this company nor have I given permission for this inquiry. 

I respectfully request that this unauthorized XXXX inquiry be investigated and removed from my credit report. Please consider this letter as a formal dispute of that item under the FCRA. 

Please provide a written response of the results of your investigation within XXXX days, as required by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Phone Number ] [ Email Address ] [ Date ] To : Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Inaccurate Address ( es ) on Credit Report Dear [ Equifax / Experian / TransUnion ], I am writing to dispute XXXX or more addresses listed on my credit report that are not associated with me. These addresses are incorrect and do not reflect my residential history. I request that you investigate and remove them from my credit file as required under the Fair Credit Reporting Act ( FCRA ). 

Incorrect Address ( es ) to Be Removed : XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA These addresses are unfamiliar and may have been added in error or as a result of identity theft. I have never lived at these locations and have no connection to them. 

Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX Enclosed are copies of documents to verify my identity and current address : A copy of my government-issued photo ID A recent utility bill or bank statement showing my current address ( Optional ) A copy of a lease agreement or mortgage statement Please investigate this matter and provide written confirmation that the inaccurate address ( es ) have been removed. I also request an updated copy of my credit report reflecting the corrections. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-06-13 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:
This is a follow-up to a previously closed CFPB complaint ( # XXXX ), which was marked resolved even though the issues remain unaddressed. Equifax failed to fix inaccurate, conflicting, and outdated reporting on my XXXX XXXX credit account. Their response lacked any documentation, proof of reinvestigation, or explanation of the changes they claimed were made.

Violations of the FCRA include : 15 U.S.C. 1681e ( b ) : Inaccurate and conflicting account status ( " paid in settlement '' AND " charge-off '' ) 15 U.S.C. 1681i : No reasonable reinvestigation conducted 15 U.S.C. 1681s-2 ( b ) : Failure to correct after previous disputes 15 U.S.C. 1681c : Potential outdated delinquency or charge-off info beyond the XXXX limit 15 U.S.C. 1681m : No adverse action notice received for derogatory reporting This account reflects a {$0.00} balance but still reports negative statuses, inconsistent payment history, and damaging remarks that are misleading to lenders. I previously submitted evidence of the dispute, but Equifax failed to show they forwarded this to XXXX XXXX or properly reviewed it. 

I am requesting : Full reinvestigation of this account with documentation of the method used to verify the information.

Clear resolution of the conflicting status ( " charge-off '' vs. " paid in settlement '' ).

Immediate correction or deletion of all inaccurate and unverifiable data.

Compensation in the amount of {$7500.00} for repeated violations of my FCRA rights.

I will be pursuing legal action under 15 U.S.C. 1681n if this is not fully resolved. I am also filing supporting documents to substantiate my claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: MA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc.

Complaint narrative:
I contact Paxful XX/XX/year> regarding my funds that has been locked on their platform for over 7 years ( {$5500.00} ) I contacted Paxful that they need to disable XXXX to I can withdraw I proved I am the original owner of a Paxful account that I created over 7 years ago. I recently contacted Paxful to regain access to withdraw funds, and they informed me that I am eligible to withdraw, in-fact they sent me a email to withdraw my funds, but I am currently locked out due to a lost XXXX device. 

I have made multiple attempts to verify my identity. I submitted : A selfie holding my valid ID My temporary and expired government-issued drivers license Multiple bank statements and bank app screenshots logged in under my name XXXX XXXX and university certificates ( important educational documents in XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX with email and name matching the Paxful account ) Proof that I have access to the same email Ive used with Paxful for 7+ years ( which is also linked to my banking ) Despite providing overwhelming proof of ownership and identity, Paxful continues to deny my request for XXXX removal, effectively locking me out of funds they previously stated I am allowed to withdraw. Despite this, Paxful continues to deny access, and worse- they are charging me {$50.00} per month in fees totaling about ( {$150.00} ) while not allowing me to withdraw my own funds. I find this deeply unfair and possibly abusive, as Ive made every effort to comply with their process and regain access. 

I believe Paxfuls refusal is unfair and inconsistent with responsible customer service. I am not attempting to scam or mislead Ive submitted documents that no third party could possibly access. Their system has not allowed me to properly escalate the issue, and Ive now sent all I possibly can.

Why should Paxful require ID verification when creating account and then deny when you try to verify with that same ID Im simply asking for access to my funds after proving my identity beyond a reasonable doubt. 

My Support Case ID is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by TransUnion for Mortgage Service Cen ( Account # XXXX ). Specifically, TransUnion is reporting " Paid or paying as agreed '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

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 2025-06-13 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: NY

Complaint narrative:
I am writing to dispute the accuracy and legality of the reporting of the following accounts on my credit report. These accounts are being reported as charged off, which is inaccurate, misleading, and in violation of several federal consumer protection laws.

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 2025-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
This complaint supplements XXXX earlier filings ( CFPB IDs # XXXX and # XXXX ) but presents new material violations not previously disclosed. 

On XX/XX/year>, Exeter Finance marked XXXX payments on my account {$510.00} and {$100.00} as received and then reversed. However : My bank records show no {$510.00} payment was ever made, authorized, or refunded. 
A {$100.00} payment was debited from my account but never refunded, even though Exeter reversed it in their records. 
On the same date, I also signed a Payment Extension Agreement with Exeter, which confirms that I had not made those XXXX payments, as the document extended both balances. I had only made XXXX {$100.00} payment which was never refunded to me like the payment history states. My bank statements fully prove and support this. 

This leads me to believe that Exeter : Created phantom payment entries Failed to refund real debits And may have manipulated my account records to justify late fees, balance inflation, or wrongful delinquency Attachments included : payment logs, bank statements, and the signed payment extension agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
I am a victim of Identity theft and would like these accounts removed immediately.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: SC

Complaint narrative:
Sent a series of letters to verify debt. Debt was disputed and no record of validation just a return letter that a debt was owed. XXXX, Jefferson Capital, and XXXX XXXX These were all sold to 3rd parties still no validation

Company response to consumer: Closed with explanation