vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I used my friend 's physical cash app card at my local water company. You can't do tap to pay and I lost my wallet so I had no cards at all. He allowed me to use his. This was in XXXX. XXXX he filed a claim with cash app for my money. They released it to him without doing a proper investigation because had they done a proper and full investigation, they would have seen in his recent activity, literally XXXXwo deposits sent directly from my cash to his. All the same day. For the account to the bill and attribute to get money for giving a ride there. My legal name is on my cash app and address, which is the same name and address tied to that water company 's account that the money went to came from. When I called cash app support, I had to get them to help me get into it because I just recently went from an XXXX to XXXX and I couldn't get into the cash app account on the XXXX. But they helped me get into it and even seen where I did in fact send him the money. It's a lot to explain. I have pictures and receipt as well. Cash app and the water company should have better guard rails for things like this. The water company reached out to me twice via two different means of communication but couldn't reach out to me when this was happening to my account. Cash app should've did a better job investigating because if I stole his money to pay my water how do you explain me sending almost exactly the same amount to him moments before going into the water place? I'm out of over {$100.00} and can go to jail behind this. Cash app wouldn't do anything even when I tried to escalate the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am submitting this complaint because a debt collector is attempting to collect and report an alleged debt without providing lawful validation as required under the FDCPA ( 15 U.S.C. 1692g ), Regulation F ( 12 CFR 1006.34 ), the FCRA, and New Jersey state laws, including the NJ Consumer Fraud Act and the NJ Consumer Finance Licensing Act. 

I formally disputed the alleged debt and requested full validation, including : identification of the original and current creditor, a signed contract or compliant electronic agreement, itemized accounting of all amounts, complete chain of assignment/bills of sale listing my specific account, original statements, proof of charge-off, proof the debt is within the New Jersey statute of limitations , proof of an active NJ debt collection license, and evidence their initial notice met all Regulation F disclosure requirements. 

The collector has * * not provided legally sufficient verification * *, and instead continues credit reporting and/or collection activity. Reporting and collecting on an unverified debt violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 3 ), as well as New Jersey laws prohibiting deceptive or unconscionable practices under N.J.S.A. 56:8-2.

Until full validation is provideddirectly from the original creditor, not internal summariesthe collector is required to cease all collection efforts and stop furnishing negative credit information. Failure to do so constitutes continued violations of federal and state law. 

I am requesting CFPB assistance to : 1. Require the collector to provide full and complete validation ; 2. Ensure they cease collection until validation is supplied ; 3. Correct or remove any unverified credit reporting ; and 4. Ensure compliance with FDCPA, Regulation F, FCRA, and New Jersey statutes.

Account : Portfolio Recovery Associates - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-04 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
Could you verify this entry? It was done late and could have issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I am reporting unresolved unauthorized activity and financial loss in my Robinhood account following an account takeover. Despite multiple requests, Robinhood has not restored the funds or positions that were removed through fraudulent activity. 

I received a phishing email that closely resembled a legitimate Robinhood security alert. It claimed there had been a foreign login and instructed me to secure my account. The link led to a site that perfectly mimicked Robinhoods normal login and biometric verification flow. I believed it was legitimate, but it captured my credentials. 

After this phishing event, someone accessed my actual Robinhood account and completed multiple unauthorized transactions : My Bitcoin position was sold without my authorization. 
A market order to buy ETH was placed for approximately {$810.00}, also without my authorization. 
Two minutes later, that ETH was transferred to an external crypto wallet for approximately {$780.00}. I did not authorize this trade or transfer, and the wallet is not mine. 

This resulted in a total financial loss of roughly {$860.00}, in addition to the unwanted liquidation of my long-term Bitcoin position. 

I reported the issue to Robinhood immediately. My account was frozen and later unfrozen, but none of the unauthorized activity has been reversed. Robinhood has closed its internal reviews multiple times without restoring my Bitcoin position or reimbursing the funds that were transferred out. They have told me my case is closed, even though the fraudulent activity and financial loss remain unaddressed. 

During this period, my account also displayed 27 logged-in devices, most of which I did not recognize, and the in-app remove devices feature did not work. This raises serious concerns about Robinhoods ability to secure customer accounts or remediate compromised sessions. 

I did not authorize any of the trades or transfers executed after my credentials were stolen. I am requesting the CFPBs assistance to have Robinhood treat this as an account takeover and restore my account to its pre-incident state. 

Supporting documents in my possession include screenshots of the phishing email, unauthorized trades and transfers, the devices list, and all communications with Robinhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the following accounts that I believe are inaccurate on my credit report. The details are provided below, separated for each bureau. Kindly investigate and correct the discrepancies as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/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 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Tater Inc.
State: FL

Complaint narrative:
LEASE END corp called and ask me to open and account because my car lease is about to end. 
I said I only want to SELL my car or return the car NOT WANTED TO PURCHASE the car. 
They APPLIED UNDER MY NAME to ( up to now ) 3 Banks for a Car loan which I do not need, did not asked for and without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
I am disputing the following charged-off accounts on my Experian credit report : 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 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 XXXXXX/XX/XXXX Late Payments : I am disputing the following late payments on my Experian credit report : 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 explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very frustrated that inaccurate late payments are still listed on my credit report this morning and I can not figure out the reason they are still there. Even after refreshing my browser, nothing changed. Because of this ongoing issue, I am asking immediately that the documents I submitted be checked properly so I can finally have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MO

Complaint narrative:
My credit report currently contains wrong personal information, particularly addresses that are not associated with me. I have enclosed the supporting documents to help you verify this, and I respectfully demand that these inaccurate addresses be permanently deleted from my record without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
my social was stolen open an account that i never authorized have filed identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Bear Claw Lending dba Lucent Cash
State: FL

Complaint narrative:
Lucent is charging me 597.36 %, on a loan of XXXX I attempted to email them XX/XX/year> to set up a payment plan or to settle for a more affordable plan and I have not received anything. This interest rate is illegal in my state due to usury laws in Florida. I would hope that Lucent cash could offer me a payment plan that is affordable or to close my account and forgive the loan due to illegal interest rates.

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 2025-12-04 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: TX

Complaint narrative:
Can you look this entry over? I put it in late and it might be wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
XXXX XXXX XXXX is reporting a fraudulent debt on my credit report that I did not open, authorize, or benefit from. I notified XXXX and all three credit bureaus that I am a victim of identity theft and provided an affidavit, supporting documents, and a dispute under FCRA 609 ( a ) ( 1 ) and 605B. Despite receiving my identity theft report, XXXX continues to furnish this account as valid. 

XXXX has failed to provide any documentation proving the account is mine. They have not produced a contract, application, signature, IP address, device information, or any evidence linking me to this debt. They also failed to provide the source or method of verification they claim to rely on. 

The continued reporting of an unverified, identity-theft-related account violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). XXXX refusal to properly investigate or validate the debt is causing harm to my credit and financial opportunities. 

I am requesting that the CFPB require XXXX XXXX XXXX to provide proper validation or permanently delete this fraudulent account from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX & EXPERIAN account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-12-04 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: CO

Complaint narrative:
On XX/XX/XXXX, I sent XXXX a written request for validation of an alleged debt. USPS shows they received it on XX/XX/XXXXXXXX  at XXXXXXXX XXXX. XXXX responded by sending documents that do not validate the debtspecifically, a lease dated from XXXX and a move-out statement listing charges for paint, carpet, and other items. These documents do not correspond to the alleged balance they are reporting and do not meet the requirements of proper debt validation. 

On XX/XX/XXXX, I sent XXXX a second written dispute regarding the alleged balance. USPS shows they received it on XX/XX/XXXX at XXXXXXXX XXXX. They have not responded to this dispute. 

Despite being in active dispute and without providing proper validation, XXXX ( or the furnisher they are using ) updated and re-reported the account to TransUnion on XX/XX/XXXX under a different name : XXXX XXXX XXXX XXXX XXXX. This re-reporting occurred while the account was in dispute and before they had responded to my second validation request. 

The company has continued to report information without providing proper validation, and they changed the furnisher name on my TransUnion report, which has caused confusion and appears to violate the FCRA and FDCPA. I am requesting assistance resolving this issue.

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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX around XXXX I went to the Wells Fargo bank on XXXX XXXX XXXX XXXX XXXX to do a cash ATM deposit after work. I did two separate deposits. The first deposit was a {$540.00} deposit and the second was an {$87.00} deposit. When I checked my bank account after the deposits only the {$87.00} was given and not the {$540.00}. I received a receipt only for the {$87.00} transaction as well, not the {$540.00} transaction. Wells Fargo is claiming that no errors were made but that is false. The ATM took my {$540.00} and never gave it to me.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation