vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is my second and final notice regarding fraudulent accounts and unauthorized inquiries on my credit report. I am the consumer and have already submitted all required documents, including an FTC Identity Theft Report, photo ID, Social Security card, and proof of address. 

Despite this, the following identity theftrelated accounts remain : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were not opened or approved by me. Under FCRA 1681c-2, you are required to block fraudulent data within 4 business days of receiving proof, and under 1681i ( a ), you must reinvestigate and remove unverifiable items.

Your failure to act violates the FCRA and 18 U.S.C. 1028A ( Aggravated Identity Theft ). I request immediate deletion and confirmation, or I will escalate to the CFPB, FTC, XXXX, and state attorneys general, and pursue legal action under FCRA 616.

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 2025-07-13 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year>

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 2025-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: PA

Complaint narrative:
I have submitted a previous complaint that the company responded to. The response was inaccurate and did not make sense. I have been paying this loan since XXXX. This company switched systems and my correct information of contact, was changed. The auto payments that I have been enrolled in for years began to be reversed back into my bank account. I attempted to resolve this issue more than once and this company continued to reverse my payments, resulting in a " 90 day late payment '' XX/XX/XXXX. They removed that remark since my complaint. My credit score was resolved. I was talked into doing a forbearance stating that is the only was that my credit score would be fixed prior to my filing of my complaint to cfpb. In XXXX, after cfpb resolved my complaint, my credit was again impacted multiple times. edfincancial has rereported the XXXX  day lateness on XXXX of the accounts. An interest accured that impacted my credit score through out this forbearance period that lowered my score and when I contacted edfinancial, i was told to make an extra payment, which would go towards the interest of the loan and that would fix the issue. I made an extra payment of {$200.00} and that did nothing to impact my credit score. Today they added a remark that shows " fixed rate '' that took my score down XXXX points as of today. I have been on autopay for the duration of this loan since it started. These issues are a result of edfinancial system change, which was voiced to me by XXXX of their on call representative. I should not be punished for their mistake. I am in the process of trying to buy a home and this issue with edfinancial is causing tremendous stress and continuing to negatively impact my credit score. Again I have been on autopay with this company since my loan started! For years! I should not have to endure punishment and poor communication and understanding from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Collection Dispute XXXX XXXXXXXX XXXX Dear LVNV FUNDING LLC, I noticed you are attempting to collect the listed alleged debt. I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debut, specifically a copy of the ORIGINAL PURCHASE AGREEMENT. The AGREEMENT must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. 

XXXX XXXX XXXX Account number XXXX I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX XXXX XXXX XXXX, and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and that is accurate and completer. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to formally respond to a collection notice I received from Portfolio Recovery Associates , LLC regarding an alleged debt you are attempting to collect from me. 



I hereby request that you provide validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. Specifically, I request the following information : A detailed accounting of the alleged debt, including the original creditor, the original amount, and any fees or interest that have been added ; A copy of the original agreement or contract bearing my signature, if applicable ; Proof that you are legally authorized to collect debts in the State of Texas, including a copy of your license number, registration, or certificate. 



Upon review of the XXXX XXXX XXXX database, I was unable to locate an active debt collection license for Portfolio Recovery Associates , LLC in the State of Texas. If you are not licensed to collect debt in XXXX, you are in violation of both state law and the FDCPA. 



If you are unable to provide proof of licensing and validation of this alleged debt within XXXX days of receiving this letter, I request the following : That this collection be closed immediately ; That any negative information reported to any credit reporting agencies be deleted entirely ; That I receive confirmation of this action in writing. 



Failure to comply with these requests will result in my pursuing legal action against Portfolio Recovery Associates , LLC for engaging in unlawful collection activity, including but not limited to reporting unverifiable debt and attempting to collect without proper authorization in XXXX. 



This letter serves as a formal dispute and request for validation. Until you provide the requested documentation, you must cease all collection activities, including reporting this debt to any credit bureaus, contacting me, or pursuing further action. 



Thank you for your immediate attention to this matter. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing this complaint due to inaccurate and potentially unlawful negative information being reported on my credit file by several furnishers and collection agencies, including but not limited to XXXX XXXX XXXX and XXXX XXXX XXXX. These accounts reflect late payments, derogatory reporting, and collections that I do not recognize, dispute, or that were not validated according to law. 

Specifically, XXXX XXXX XXXX has listed a collection on behalf of XXXX XXXX  without providing any proper validation of debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I have not received a signed agreement or documentation verifying the debts accuracy, ownership, or amount. 

Furthermore, the late payments and derogatory marks reported by XXXX XXXX XXXX are inconsistent with my records, were resolved years ago, and are no longer relevant or timely under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, which limits the reporting of negative information to 7 years.

The failure to report accurate and verifiable information violates : FCRA 1681s-2 ( a ) Duty of furnishers to provide accurate information FCRA 1681i ( a ) Failure of credit bureaus to conduct a proper reinvestigation FDCPA 809 ( b ) Validation of debts required upon dispute FTC XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX. XXXX ) Agencies must investigate when provided notice of dispute XXXX XXXX Trans Union CorpXXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Bureaus must do more than a superficial investigation I am requesting a full investigation and the immediate removal of these inaccurate and unverified accounts from all consumer credit reports. The presence of this information is harming my creditworthiness, and the failure to correct or remove it may constitute willful noncompliance under FCRA 1681n and 1681o, making the entities involved liable for actual and statutory damages.

I reserve the right to pursue legal action if this issue is not promptly resolved and request the FTCs assistance in ensuring these violations are addressed and my consumer rights protected.

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 2025-07-13 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: TN

Complaint narrative:
I am filing this complaint due to inaccurate and potentially unlawful negative information being reported on my credit file by several furnishers and collection agencies, including but not limited to XXXX XXXX XXXX and XXXX XXXX XXXX. These accounts reflect late payments, derogatory reporting, and collections that I do not recognize, dispute, or that were not validated according to law. 

Specifically, XXXX XXXX XXXX has listed a collection on behalf of XXXX XXXX  without providing any proper validation of debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I have not received a signed agreement or documentation verifying the debts accuracy, ownership, or amount. 

Furthermore, the late payments and derogatory marks reported by XXXX XXXX XXXX are inconsistent with my records, were resolved years ago, and are no longer relevant or timely under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, which limits the reporting of negative information to 7 years.

The failure to report accurate and verifiable information violates : FCRA 1681s-2 ( a ) Duty of furnishers to provide accurate information FCRA 1681i ( a ) Failure of credit bureaus to conduct a proper reinvestigation FDCPA 809 ( b ) Validation of debts required upon dispute FTC XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX. XXXX ) Agencies must investigate when provided notice of dispute XXXX XXXX Trans Union CorpXXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Bureaus must do more than a superficial investigation I am requesting a full investigation and the immediate removal of these inaccurate and unverified accounts from all consumer credit reports. The presence of this information is harming my creditworthiness, and the failure to correct or remove it may constitute willful noncompliance under FCRA 1681n and 1681o, making the entities involved liable for actual and statutory damages.

I reserve the right to pursue legal action if this issue is not promptly resolved and request the FTCs assistance in ensuring these violations are addressed and my consumer rights protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding my federal student loans related to my attendance at XXXX XXXX XXXX  which has since lost its accreditation. I believe I may be eligible for loan forgiveness under the applicable federal regulations, as the education I received no longer holds the value promised due to the schools loss of accreditation. 

I attended XXXX XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX and took out federal student loans to cover tuition and related educational expenses. Unfortunately, the school has since lost its accreditation, leaving me with a degree or coursework that is not recognized by many employers or institutions. This situation has severely impacted my ability to benefit from the education I financed through these loans. 

I have attempted to resolve this matter directly with my loan servicer, Nelnet, but have not received a satisfactory resolution. I am now reaching out to the CFPB for support in ensuring that my case is properly reviewed for possible discharge or forgiveness, as I believe I meet the criteria due to the schools loss of accreditation and the resulting financial and professional harm. 

Please let me know if you need any additional information or documentation to assist in the review of my situation. 

Thank you for your time and attention to this matter. I look forward to your guidance and support. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian

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 2025-07-13 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: TX

Complaint narrative:
I HAVE CALLED PLENTY OF TIMES TO GET THE CREDIT AGENCIES TO REMOVE THE INCORRECT INFORMATION FROM MY CONSUMER REPORT AND IT HAS NOT YET BEEN DELETED. ITS CAUSING THEM TO ADD INCORRECT INFORMATION TO MY REPORT THAT DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: MD

Complaint narrative:
This is my second and final notice regarding fraudulent accounts and unauthorized inquiries appearing on my credit report. These items are the result of identity theft, not authorized transactions. I have already submitted all required documentation, including : FTC Identity Theft Report Government-issued ID Social Security card Proof of address Despite this, the following accounts and inquiries remain on my file : XXXX XXXX XXXX  XXXX XXXX : XX/XX/year> ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts ) XXXX XXXX  These accounts were not opened or approved by me. Under the FCRA, you are required to block identity theft-related information within XXXX business days and remove unverifiable entries. Continued reporting of this data violates FCRA 1681b ( c ), 1681c-2, 1681i ( a ) and may constitute Aggravated Identity Theft ( 18 U.S.C. 1028A ).

I expect immediate removal, confirmation of deletion, and a corrected credit report. If not resolved, I will escalate to the CFPB, FTC, XXXX, and state Attorney General, and pursue legal action under FCRA 616.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Kickoff Inc. for reporting a fraudulent account on my credit report and for using a false address during the dispute process. I attempted to send a dispute letter to Kickoff Inc. regarding an account that was inaccurately and fraudulently reported to my credit file.

However, the mail was returned as undeliverable, which confirms they are providing false or outdated contact information -- preventing me from exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

This account is not mine and appears to be the result of identity theft. I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ), which is included with this complaint. The returned mail envelope is also attached as proof that Kickoff Inc. is not accepting mail at the listed address. 
I am requesting that the CFPB take immediate action to investigate this matter and compel Kickoff Inc. to : 1. Permanently delete and block this fraudulent account from all consumer credit reports, in accordance with FCRA Section 605B.

2. Cease all attempts to verify or reinsert this inaccurate information unless proper documentation is provided. 
I respectfully ask for your help in ensuring my rights are upheld and that this damaging, inaccurate account is removed from my credit profile. 
Sincerely, XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On Wednesday around XXXX XXXX, I received a notification of an unauthorized XXXX XXXX charge of {$.00} and {$.00}. Then, at XXXX, an unauthorized charge of {$1500.00} was withdrawn from my Capital One bank account. I discovered later the {$.00} and {$.00} charge was a validation pending charge ( not showing up on my bank statement ). I contacted my bank ( via phone ) immediately, and XXXX XXXX ( via app ) to report as fraud. Unfortunately, XXXX XXXX will not assist because the transaction was not added to my XXXX XXXX account. Someone created a fake XXXX XXXX  account under my name to withdraw funds from my bank. I asked XXXX XXXX if they could please look up the transaction that was uploaded with my bank, and they stated they couldnt due to protection policies, and Im not the account user. I ended up filing a dispute with my bank ( Capital One ), but was informed that XXXX XXXX  disputes can be challenging. I have NEVER sent that amount of money to XXXX XXXX Ive had someone send me that kind of money XXXX XXXX, and I sent to my bank account to withdraw. However, Ive never sent that kind of money to XXXX XXXX Also, Ive never recalled XXXX XXXX authorizing debit card when linking your bank. I just want my money back. I just had a baby, and someone stole from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OK

Complaint narrative:
My issue is with Chime and unauthorized transactions. I was XXXX  at the time multiple transactions had occured that I couldn't have made because I was in XXXX, nor did I authorize these transactions. Someone had gained access to my phone and made a total of {$3800.00} in transfers to there account. I have filed a police report. I have submitted multiple disputes with my banking institution and they have all been denied by Chime. These disputes included proof of my XXXX  and a copy of the police report filed.

Company response to consumer: Closed with explanation