vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 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, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: MS

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 explanation
Consumer complaint received 2025-08-31 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: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX Midland Credit Management , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Account Number XXXX Amount : {$3100.00} To Whom It XXXX Concern, Upon reviewing my recent credit report, I discovered an account reported by your agency that I do not recognize and for which I have no financial obligation. The details of the alleged debt are as follows : Collector : Midland Credit Management ( MCM ) Account Number : XXXX Alleged Balance : {$3100.00} Please be advised that I am formally disputing this debt, which I believe is not mine. This letter serves as a request for validation of the alleged debt, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
This is not a refusal to pay, but a request that you provide competent evidence that I have any legal obligation to pay this debt. I request the following documentation : The name and address of the original creditor ; A copy of the original contract or agreement bearing my signature ; A complete payment history, including any interest, fees, and charges added ; Proof that your agency is legally authorized to collect this debt in my state. 
If your offices have reported inaccurate or unverifiable information to the credit bureaus ( XXXX XXXX XXXX XXXX XXXX, such actions XXXX constitute a violation of the Fair Credit Reporting Act ( FCRA ) and the FDCPA. I reserve the right to pursue legal action for damages, including but not limited to defamation of character. 
If you can not provide proper validation within 30 days of receipt of this letter, you are required to : 1Delete this account from all credit reporting agencies ; 2Provide me with written confirmation of the deletion ; 3Cease all collection activities immediately. 

Cease and Desist I also formally request that you cease all telephone contact with me. All future communications must be in writing only, sent to the mailing address listed above. Any further phone calls from your office will be considered harassment, and I will not hesitate to take legal action under the FDCPA. 
Please ensure your records are accurate before I am forced to escalate this matter further. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: NY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: NY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
They repossessed my vehicle without first providing me with a required notice of default or right to cure, violating my states consumer protection laws. After repossession, I was never given a notice of sale or deficiency balance notice which are required under UCC 9-6-11 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed.The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the fair credit reporting act ( 15 U.S. code 1681s-2 ). 

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures. 

Santander XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please see attachment This complaint is directed to Experian RentBureau, a division of Experian Information Solutions , Inc., which is reporting inaccurate rental history data

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX cash app closed my account, that same day I paid nothing but bills, since to closure of been having difficulties on sending and receiving funds. When I ask what my account is closed for and what terms I violated I get no valid answers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX 2018 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NM

Complaint narrative:
I saw an unknown CashApp transaction on my debit card account that I did not make nor did I have record of in my own CashApp account. I contacted my bank and deactivated my card however I want to press charges on whoever linked my debit card to their cash app. I provided all of the details including the user who received a {$30.00} payment on XX/XX/year>, and CashApp has my card information including the last 4 digits. They are unable to tell me who else has an account with those last 4 card digits that made a {$30.00} payment to a specific person on XX/XX/year>. In their system they should be able to search all of these parameters to locate the account that has my card linked to theirs, but they tell me they can not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: AL

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 2025-08-31 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: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: NY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I have raised disputes regarding this item multiple times, hoping that my information would be considered accurate. However, all my disputes, whether negative or lacking sufficient information, continue to be marked as verified. Consequently, I contacted the company directly, and they informed me that there is no record of my payment being late, and they also refunded a late fee. They advised me to reach out to the credit agencies XXXX XXXX, and XXXX  to request an update to a positive status. Despite this, the item continues to be reported as late, which is incorrect and negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On [ date restriction began ], Capital One unexpectedly restricted my account ending in [ XXXX ]. I was not given a clear explanation before the restriction. Since then, I have been unable to access my funds or use my card. 

I contacted Capital One customer service on [ XX/XX/year> ], but I have not received a clear resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Consumer Complaint CFPB Company Name ( s ) : XXXX XXXX, XXXX, XXXX, Wells Fargo Bank Product/Service : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Failure to issue refund after cancellation ; denial of dispute assistance by bank Details of Complaint : On XX/XX/year>, I submitted a cancellation form to XXXX XXXX for my personal training membership. At the time, I was told I would receive a refund. I had prepaid for XXXX classes in advance ( approximately {$1400.00} ) but only attended for a few weeks before canceling due to my mothers fight with XXXX. 

Despite canceling properly and being assured of a refund, I have not received any money back. I contacted XXXX at XXXX XXXX multiple times with no written response. I also reached out to XXXX and XXXX ( the processors for the payments ), and neither provided assistance. 

Finally, I contacted my bank ( Wells Fargo ) to dispute the charge. However, they declined to provide help, even though I canceled services and am owed a refund for unused prepaid classes. 

What I Want : A full refund of {$1400.00} for the unused classes. 

Written confirmation from XXXX XXXX or the payment processor on the refund status. 

Assistance ensuring Wells Fargo properly investigates my dispute under federal protections. 

This situation has caused significant financial and emotional stress during a difficult time for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: DC

Complaint narrative:
I have raised disputes regarding this item multiple times, hoping that my information would be considered accurate. However, all my disputes, whether negative or lacking sufficient information, continue to be marked as verified. Consequently, I contacted the company directly, and they informed me that there is no record of my payment being late, and they also refunded a late fee. They advised me to reach out to the credit agencies XXXX, XXXX, and Equifax to request an update to a positive status. Despite this, the item continues to be reported as late, which is incorrect and negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: NY

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 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
hello i have been in some problems with my partner so i was on XXXX and there were like some pages that said they help getting back together families so in my curiosity i enter this page and then automatically it sent you to XXXX  and they sent you a message that can help you and the reading of your hand is free and everything is free until you decide to get their help so i did the free thing, you have a videocall with them and then everything explodes you have to pay them small ammounts to cancel everything or they will make something to you or your family and from there is just threats and little by little they take everything until you have nothing or just look help from police or people that look for this people online. i made 29 payments to this people until i look for help online i paid XXXX dollars to this online XXXX  XXXX  page that help me found this people from XXXX that were threatening me and my family i made the report with the police and i talked to wells fargo XXXX claims person and they told me that i had to get in touch with XXXX by myself and tried to get help from them so i did but they said that not help could be given because they didnt have the option to see my account and all my XXXX activity, so i get back to wells fargo XXXX  people and they told me that they couldnt do anything that everything was my fault and that i want able to do anything else that everything they could do was ask the bank in good faith to send my money back to me. I asked for the info they used to take a decision on my claim that if they needed my police report to look if they could do something else and they said that they didnt need it because a decision was already made. Everything started XX/XX/year> dlls were sent same day XXXX dlls more were sent to XXXX and from there were 27 more transaction that made me spend all my money on scams that threat people and XXXX on one form or another got them 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 explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have included my identity theft report and proof of identity as well as my proof of residency

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