vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Block Fraudulent Information Due to Identity Theft To Whom It May Concern, I am submitting this complaint to formally request the immediate blocking and removal of fraudulent information on my credit report due to identity theft. Prior to last week, I contacted several representatives who informed me that I was unable to access my credit profile. This directly supports my claim of identity theft, as unauthorized accounts have been opened in my name. 

Despite multiple requests, my personal information has not been updated as required by law. This failure to act has directly violated my rights under the Fair Credit Reporting Act ( FCRA ) and other 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 explanation
Consumer complaint received 2025-03-16 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: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Block Fraudulent Information Due to Identity Theft To Whom It May Concern, I am submitting this complaint to formally request the immediate blocking and removal of fraudulent information on my credit report due to identity theft. Prior to last week, I contacted several representatives who informed me that I was unable to access my credit profile. This directly supports my claim of identity theft, as unauthorized accounts have been opened in my name. 

Despite multiple requests, my personal information has not been updated as required by law. This failure to act has directly violated my rights under the Fair Credit Reporting Act ( FCRA ) and other 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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 

The following two XXXX XXXX accounts on my credit report are the result of identity theft and should be blocked immediately : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Date Opened XXXX XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX Date Opened XXXX XXXX Balance : {$890.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-03-16 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: LA

Complaint narrative:
These late payment entries are factually incorrect, unverifiable, and causing undue harm to my financial reputation. I am not requesting the deletion of these accounts 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 non-monetary relief
Consumer complaint received 2025-03-16 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: Self Financial Inc.
State: GA

Complaint narrative:
Information was provided paid off several debts request a pay to delete items were not deleted credit bureau closed out case in less than 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing a complaint against Synchrony Bank due to improper debt handling, inaccurate credit reporting, and potential violations under the Fair Credit Reporting Act ( FCRA ). 

This account was sold or reassigned, and I was never properly notified or given documentation of the transfer. However, the original creditor continues to report a charge-off and delinquency, even though they may no longer own the debt. 

Additionally, I have disputed this account with the credit bureaus, and Synchrony Bank has failed to provide proper validation that they still have legal rights to collect or report this debt. 

Under the FCRA, Synchrony Bank is responsible for ensuring that my credit report reflects only accurate and legally verified information. Since this account was sold or reassigned, they must either provide full documentation proving ownership or remove the charge-off immediately. 
I request that the CFPB investigate the following : 1 Whether Synchrony Bank can legally verify that they still own this debt.

2 Whether they followed proper procedures when selling or transferring this account.

3 Whether this account should be removed from my credit report if it can not be properly verified. 

This is a violation of my consumer rights, and I request immediate corrective action.

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 2025-03-16 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: IN

Complaint narrative:
I've disputed this account through the credit reporting agencies several times and it is still showing on my report after all this time. Now I am requesting that this item be removed from my credit report immediately because this is also a violation of my privacy rights and unconsented sharing of my personal information. I'm also pursuing financial compensation of {$5000.00} because of the many FCRA violations and the years I have been attempting to get this item removed from my account.

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 2025-03-16 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 

The following two XXXX XXXX accounts on my credit report are the result of identity theft and should be blocked immediately : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Date Opened XXXX XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX Date Opened XXXX XXXX Balance : {$890.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: ND

Complaint narrative:
Ive been battling trying to get my money back from my 2 cashapp accounts since XXXX of XXXX I had opened my first one in XXXX and it got stolen from me I reported it and got locked out my second one I opened in XXXX was also compromised and I reported it and cash app told me rule violation I provided them with proof that my identity had been stolen and they closed my account and took my money when I finally regained access to the emails that were taken over by thieves I provided more proof still nothing so I try the cfpb and get that they couldnt identify me as the account holder like thats a new one from my first account {$2400.00} was taken and second {$1800.00} first account email XXXX Name XXXX XXXX second one was XXXX first complaint on here cash app stated I was part of settlement which was a lie second response was cant verify its me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: AZ

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX i try to withdrawal my funds from my account i received a message that i cant i have to linked 2 bank account to robinhood verified accounts and belong to me i never shared any information to any person about my account and never had any problem with my deposits all cleared and never had issues with my withdrawal They sent email to me we need to verify identity we need bank account statements to each bank linked to your account and that what I uploaded that and the same moment they sent it the email to me i called them after 2 times they didnt give me any reason and promised my account will resolved by XX/XX/XXXX,, today XX/XX/XXXX I saw the message on application it says will back to you XX/XX/XXXX I read on XXXX any saw many topics that robinhood doing that to many customer and keep them money hostage for no any reason and dont resolve it,, i need to resolve this issue right away by removing restriction from my account or refund me my money {$5700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation Pursuant to 15 U.S.C. 1692g To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I formally request that you provide validation of this debt. Specifically, I require the following documentation and information to verify the validity of this claim : 1. A detailed payment history : Please provide a comprehensive record of all payments made by me on this account, including dates, amounts, and methods of payment.

2. Original signed agreement : I request a copy of the signed agreement or contract that I allegedly entered into, which legally obligates me to pay this debt.

3. Insurance claims : Please disclose whether any insurance claims have been filed related to this alleged debt and, if so, provide the details.

4. Chain of title : Supply all documentation proving that LVNV Funding has the legal authority to collect on this debt. This should include evidence of the chain of title, showing how and when the debt was transferred or sold to your company. 
Until these documents are provided, and the debt is validated in accordance with federal law, I ask that all collection activities, including reporting to any credit bureau, cease immediately. 
Please note that failure to comply with this request constitutes a violation of the FDCPA. Should I not receive the requested validation within 30 days, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General 's office, or other applicable authorities. 
I expect your prompt attention to this matter. Please confirm receipt of this request and provide the required documents at the earliest opportunity. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: NY

Complaint narrative:
Due to the XXXX XXXX XXXX XXXX in XX/XX/year>, which exposed sensitive personal information, including Social Security numbers, I have reason to believe these derogatory accounts may result from compromised data. This breach has significantly increased identity theft and fraudulent activity, raising serious concerns about the integrity of the reported information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
They report a debt in my credit report, but I request verification by showing me any documentation from the original creditor that includes my signature. However, they consistently fail to provide this documentation. Despite my requests to cease communication via phone, email, or text until they can provide the necessary proof, they persist in harassing me with numerous emails and texts. The last message I received from them was on XXXX XXXX XXXX and I anticipate that they will continue to harass me. I kindly request your assistance in resolving this issue and preventing further harassment. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief