vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: CL Holdings LLC
State: TX

Complaint narrative:
Date : XX/XX/year> Subject : CEASE AND DESIST Unauthorized Upload and Distribution of CFPB Materials To whom it XXXX concern, It has come to our attention that you have uploaded, published, or otherwise distributed materials originating from or related to the Consumer Financial Protection Bureau ( CFPB ). 

Please be advised that this material is considered confidential, proprietary, and/or protected content and that its unauthorized use, publication, or distribution is in violation of federal regulations, including but not limited to applicable intellectual property laws, privacy regulations, or XXXX of XXXX XXXX ( XXXX  ) exemptions. 

We hereby demand that you : XXXX. Immediately cease and desist from any further publication, distribution, or sharing of this material ; XXXX. Permanently remove all existing uploads or references to the aforementioned content from your platform ( XXXX ) ; and XXXX. Provide written confirmation within [ XXXX ] business days of receipt of this letter that you have complied with these demands. 

This letter is sent without prejudice to our rights and claims, all of which are expressly reserved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-27 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
I AM A VICTIM OF ISENTITY THEFT AND MULTIPLE DAT BREACHES SAW ITEMS ON REPORT FILED FTC REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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:
I AM A VICTIM OF ISENTITY THEFT AND MULTIPLE DAT BREACHES SAW ITEMS ON REPORT FILED FTC REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
i have a complaint already and this is a follow up to that complaint. XXXX XXXX XXXX XXXX is conducting an investigation in to XXXX XXXX for many other victims suffering the same fraudulent business practices as myself. the difference is that my son was so overwhelmed by all of the chaos that he dropped dead right in front of me. the coroner said there is no reason for it and his cause of death is still undetermined. he could not handle chaos of any kind. he was XXXX yrs old and died in XXXX. this was XXXX days before the plumbers left my house for good. this is some kind of game these XXXX companies play and other companies across the XXXX i have never seen a dime of the XXXX and i was told by a rep of goodleap that the plumbing job did not cost that much. so, where is the money? this company, according to XXXX, keeps the money. they are soooo fraudulent that they need to have their license taken away and jailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX TX XXXX Re : Identity Theft Failure to Block Fraudulent Accounts ( FCRA 605B ) To Whom It May Concern, I am writing regarding multiple fraudulent accounts reporting on my Experian credit file. I have previously provided you with a valid FTC Identity Theft Report and proof of my identity. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), Experian is required to block all information resulting from identity theft within 4 business days of receiving proper documentation.

Instead of complying, Experian has marked these fraudulent accounts as verified and continues to report them. This is a direct violation of my rights under the FCRA and Metro 2 reporting standards, which prohibit furnishing or verifying disputed fraudulent accounts once a valid ID Theft Report has been submitted. 

The fraudulent accounts include but may not be limited to the following : XXXX XXXX multiple accounts ( 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: CA

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. 
Creditor Name : [ 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I requested a full and immediate credit freeze, which is my legal right under the Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Public Law XXXX, Section XXXX ). Despite providing all the required identity documents ( government-issued ID, proof of address, Social Security number ), my request was not processed properly within the time required by law ( XXXX business day for online/phone requests or XXXX business days for mail requests ). 

This failure puts me at serious risk of identity theft, unauthorized inquiries, and additional financial harm. The law is clear : a credit freeze must be free, immediate, and mandatory upon consumer request. Delays or denials are not permitted under federal law. 

I am seeking CFPB intervention because my right to place a security freeze has not been honored, leaving me unprotected and vulnerable to fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Experian credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9900.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
I used XXXX to process payments for an event where attendees paid a XXXX XXXX. The total processed was {$7500.00}. After XXXX deducted its fees, the net balance due to me is {$7300.00}. 

After the event, XXXX requested supporting documentation, which I submitted promptly. Despite this, they deactivated my account and are holding the funds for XXXX  days. 

There are no customer disputes, no chargebacks, and no evidence of fraud. These were legitimate business transactions. The funds were designated to pay contracted talent and event staff, and Squares decision to freeze them has created a serious financial hardship. 

XXXX has provided no clear justification beyond citing internal risk controls. They have already collected fees on the transactions, yet are withholding the proceeds, preventing me from accessing my own earned revenue. This feels like bad faith business practice and unjust enrichment against small businesses who rely on timely access to funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Experian credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC c/o XXXX XXXX XXXX XXXX XXXX. 
P.O. XXXX XXXX XXXX, SC XXXX Re : Cease and Desist Account XXXX XXXX XXXXXXXX ( Balance : {$450.00} ) To Whom It XXXX Concern, This letter is a formal demand that you cease and desist all collection activity regarding the alleged account referenced above, which is being reported on my credit file with a balance of {$450.00} as of XX/XX/year>. 
Your continued reporting and collection efforts are in violation of multiple consumer protection statutes : XXXX. Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ) ( A ) : Prohibits furnishers from reporting inaccurate or unverifiable information. You have not provided complete, verifiable documentation establishing the accuracy or ownership of this account. 
XXXX. XXXX XXXX. XXXX ( XXXX ) : I am entitled to a full description of the procedure used to determine the accuracy of disputed information, including all parties you contacted in the process. 
XXXX. XXXX XXXX & XXXX : If you claim legal ownership or assignment of this debt, you are required to provide authenticated notification of assignment, including details of the debtor, the original creditor, and the terms of transfer. To date, no such documentation has been provided. Without this, you lack legal standing to report or collect on this account. 
Accordingly, I demand that you : Cease and desist all collection efforts, phone calls, and correspondence with me, except as permitted by law. 
Provide full debt validation, including the original contract, itemized statements, and assignment documentation proving legal ownership. 
Immediately remove this account from my credit reports with all XXXX  credit bureaus if you can not provide complete and verifiable evidence. 
Failure to comply will be considered willful noncompliance under the FCRA and applicable state and federal laws. I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and will pursue all legal remedies available. 
This letter is written in good faith but also as final notice. Govern yourself accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing a fraudulent account that appears on my credit report. I did not authorize, open, or maintain this account, and its presence is entirely false. This reporting is causing unjust harm to my creditworthiness.

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 2025-08-27 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Experian credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX CO Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
This correspondence is a dispute regarding a fraudulent account listed under my name. I never authorized or opened this account, and it has no connection to me. Its reporting is false and damaging to my credit standing.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am disputing four accounts ( XXXX XXXX XXXX, XXXX TD Bank ). 
XXXX  XXXX : balances reported as charged off and past due, status dates conflict, and balances exceed credit limits.

TD Bank/Target Credit : account was supposed to be removed per settlement agreement but still appears.

I request a full investigation and correction/removal per FCRA 1681i, 1681e ( b ), 1681s-2.

Company response to consumer: Closed with explanation