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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax Credit Bureau- file XXXX I just received my second report on XX/XX/year>XXXX  and noticed some accounts remain incomplete and inaccurate which is a violation of 15 USC 1681 e ( b ). 

They also violated 15 USC 1681 s-2 ( a ) & ( b ), 15 USC 1681 I ( 5 ) ( a ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681 e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relates.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.

Complaint narrative:
I was checking my credit report and found this that I don't recognize. XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-07-13 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX Amount : {$1500.00} Date Opened : XX/XX/year>XXXX  Youre reporting an account that does not belong to me. Im requesting a 30 day investigation to prove this debt belongs to me. If you can not send me proof please delete this from my credit report immediately. Below are a few things I need to see in 30 days if not please remove from credit report. 

* Please show the original contract with my signature that shows I owe this debt. 
* I need to see the assignment contract between you and the original creditor. 
* Proof that this debt is within the statute of limitations in the state of Pennsylvania. 
* Proof that you are a licensed and bonded debt collector and can collect debt in the state of Pennsylvania. 

Thank you Ill be looking to hear back in 30 days, if not please remove this unknown account from my credit 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 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: NJ

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit.

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: EQUIFAX, INC.
State: CT

Complaint narrative:
RE : Account Name : XXXX XXXX XXXX Account # XXXX Amount : {$790.00} Subject : Formal Dispute and Demand for Deletion of Charge-Off Accounts Pursuant to 15 U.S.C. 1681e & 1681i This serves as a formal dispute and demand for the immediate deletion of all charge-off accounts currently appearing on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681e which requires that consumer reporting agencies maintain procedures to ensure maximum possible accuracy of the information reported ; and 15 U.S. Code 1681i which requires consumer reporting agencies to conduct a reasonable reinvestigation of any information disputed by the consumer and to delete or correct any unverifiable, inaccurate, or incomplete information. 
Upon reviewing my credit reports, I have identified charge-off accounts that are inaccurate, incomplete, and/or unverifiable. The continued reporting of this derogatory information, especially without concrete and verified evidence, constitutes a violation of federal law. 
Accordingly, I demand the following : A complete reinvestigation of all charge-off accounts currently listed on my credit file ; Immediate deletion of any charge-off entries that can not be fully verified for accuracy and completeness ; Written confirmation of the outcome of your investigation within the required 30-day period, as mandated by federal law.

Should you continue to report unverifiable or inaccurate charge-off accounts, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and consider seeking legal remedies for willful noncompliance with the FCRA.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
RE : Account Name XXXX XXXX XXXX XXXX  Account # XXXX Amount : {$790.00} Subject : Formal Dispute and Demand for Deletion of Charge-Off Accounts Pursuant to 15 U.S.C. 1681e & 1681i This serves as a formal dispute and demand for the immediate deletion of all charge-off accounts currently appearing on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681e which requires that consumer reporting agencies maintain procedures to ensure maximum possible accuracy of the information reported ; and 15 U.S. Code 1681i which requires consumer reporting agencies to conduct a reasonable reinvestigation of any information disputed by the consumer and to delete or correct any unverifiable, inaccurate, or incomplete information.

Upon reviewing my credit reports, I have identified charge-off accounts that are inaccurate, incomplete, and/or unverifiable. The continued reporting of this derogatory information, especially without concrete and verified evidence, constitutes a violation of federal law. 
Accordingly, I demand the following : A complete reinvestigation of all charge-off accounts currently listed on my credit file ; Immediate deletion of any charge-off entries that can not be fully verified for accuracy and completeness ; Written confirmation of the outcome of your investigation within the required 30-day period, as mandated by federal law.

Should you continue to report unverifiable or inaccurate charge-off accounts, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and consider seeking legal remedies for willful noncompliance with the 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 non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: MS

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family education rights and privacy act ( Ferpa ) protects the confidentiality of student records. This breach is a clear violation of FERPA and my responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

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 2025-07-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Visa gift card purchased in winter of XXXX, given as gift in in XXXXXXXX XXXX XXXXXXXX. Opened card XX/XX/XXXX. When I try to call in or use website listed on the card and in their instructions it says the account doesn't exist. I tried using their verification process to prove ownership of the card. However, because I do not have the receipt since it was a gift they were unable to prove I own the card because it had not been previously registered because it was unopened. There's no way for me to get in contact with a representative either over the phone or through a live chat on the website. I have all the original packaging and instructions for the card and no matter what I do it won't work to try to resolve the issue. The gift card is worth {$100.00} and I would like to use it.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a formal dispute to XXXX XXXX XXXX on XX/XX/year> via certified mail, which was delivered and confirmed by USPS. The account was removed between XX/XX/XXXX and XX/XX/year>, according to notifications from XXXX XXXX, and is no longer reporting on TransUnion or Equifax. 



However, I never received any formal written notice from the credit bureaus confirming the results of the investigation, the deletion reason, or the process used which violates : FCRA 611 ( a ) ( 6 ) : Failure to notify me of investigation results within 5 business days of completion.

FCRA 611 ( a ) ( 7 ) : Failure to provide a procedure description if requested ( which I did in writing ).

This lack of communication denies me my legal rights under 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 2025-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I was checking my credit report and found this that I don't recognize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
I am writing to formally request a resolution regarding my inability to transfer funds from my XXXX account to my CashApp account due to an identity verification issue. 
When I originally set up my account, I was a XXXX  and unintentionally entered an incorrect date of birth. Now that I am of legal age and trying to access the funds, I am unable to verify my identity due to the incorrect information on file. 

I have already spoken with more than ten representatives and multiple managers from your support team, and unfortunately, I have been repeatedly told that there is no solution to this issue. I have also been informed that the funds will remain inaccessible in my XXXX account indefinitely. This situation is extremely frustrating, especially since I am willing and able to provide any necessary documentation to verify my identity and ownership of the account. 

At this point, I am requesting that this matter be escalated to someone with the authority to review and potentially override the system limitation in cases like mine. I would appreciate a clear explanation of any remaining options I have to recover these funds, or confirmation in writing that my money will remain permanently inaccessible despite my full cooperation and valid identification. 

Please advise on the next steps, and what documentation, if any, I can submit to resolve this issue. 

Thank you for your time and understanding. I look forward to your 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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: MOHELA
State: DE

Complaint narrative:
To whom it may concern : I am writing to dispute and demand removal of the following inaccurate tradeline from my credit report : Federal Department of Education / MOHELA Student Loan ( Account # XXXX  ) This account was closed by XXXX XXXX on [ date of closure ], and I never signed any agreement to reopen it with MOHELA. It should not appear as an open or active tradeline on my credit report. 

Under FCRA 611 ( 15 U.S.C. 1681i ), you must complete a reasonable investigation of my dispute within 30 days and delete any information you can not verify. Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), you are required to employ reasonable procedures to assure maximum possible accuracy. If MOHELA or the Department of Education can not confirm this tradelines validityand they can not, since I never authorized its reopeningyou are obliged to remove it. 

Please send me written confirmation when this tradeline has been permanently removed, along with a free, updated copy of my credit report, as provided under FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ). 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Untimely response
Consumer complaint received 2025-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my consent, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family Education Rights and Privacy Act ( FERPA ), my student records disclosed without my permission, violating FERPAs strict confidentiality protections. Breach of the Privacy Act of 1974. My personal and financial information was improperly accessed and shared without my consent violating my privacy rights under federal law. Violation of the Higher Education Act. As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates failure to uphold these legal protections. The Federal agencies responsible for safeguarding my data failed to do so, putting my financial security at risk, and disclosed my information to third parties without my consent XXXX XXXX : XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint against Portfolio Recovery Associates , LLC for violating the Fair Debt Collection Practices Act ( FDCPA ) and for reporting inaccurate and unverified information to the credit reporting agencies, which is negatively affecting my credit profile. 

On or about XX/XX/year>, I was first contacted by Portfolio Recovery Associates , LLC regarding an alleged debt. However, they failed to provide me, within five days of their initial contact, with the required written notice of debt under 15 U.S.C. 1692g ( a ). This notice should have included : The amount of the alleged debt ; The name of the current creditor ; A statement of my right to dispute the debt within 30 days ; and A statement that if I dispute the debt, they will provide verification. 
To date, I have never received this validation notice. 

Despite this violation, Portfolio Recovery Associates , LLC has reported this account to one or more of the nationwide credit reporting agencies ( XXXX XXXX XXXX  ), which has adversely impacted my credit score and my ability to obtain credit. This is unacceptable and unlawful.

Under the FDCPA, a collector is prohibited from continuing collection activities ( including credit reporting ) without first validating the debt when required. The failure to provide the proper notice invalidates their authority to collect or report. 

I am requesting the following : Immediate deletion of the account from all consumer credit reports. 
Cease all collection activity unless and until they comply with federal law by providing proper written validation. 
A full investigation by the CFPB into Portfolio Recovery Associates , LLC for possible systemic violations of consumer protection laws. 
Attached are relevant documents to support my claim, including copies of my credit report showing the disputed item. 

Thank you for your attention to this matter. I look forward to your timely response and resolution of this issue.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The debt has been settled and paid the debt in full, and I would like to have it removed from my credit history as I believe this will help accurately reflect my current credit standing. 
Here are the details of the paid debt : 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 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The debt has been settled and paid the debt in full, and I would like to have it removed from my credit history as I believe this will help accurately reflect my current credit standing. 
Here are the details of the paid debt : XXXXXXXX XXXX  Account Number : XXXX Date of Debt Payment : XX/XX/XXXX XXXX XXXX  Amount Paid : {$19000.00} & {$26.00}, XXXX XXXX. XXXX XXXX XXXX Account Number : Date of Debt Payment : XX/XX/XXXX Amount Paid : {$23.00}, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: WI

Complaint narrative:
I viewed my credit report and noticed that it was fraudulent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the TransUnion Experian , and XXXX  credit reporting agency . I request that you ( CFPB ) block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 



In accordance with the Fair Credit Reporting act, a inaccurate a account that was already deleted include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/year> Shows XXXX late payments This was already removed once in the case of identity thief! It is illegal to remove and place back on my credit consumer profile according to 15 USC 1681 5 & USC 1681 ( e ) ( b ). 

XXXX XXXX XXXX XXXX Bought debt on XX/XX/XXXX ( illegal ) according to 15 USC 1681 5 & USC 1681 ( e ) ( b ). & 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agett onto ncy can not furnish a account without my written instructions All the accounts are falsely on my Experian, Trans Union and XXXX  consumer credit profile. I would like these accounts deleted with in 4 days of receiving this complaint.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agett onto ncy can not furnish a account without my written instructions

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