vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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 submitted a formal dispute regarding multiple accounts on my credit report that are inaccurate, incomplete, and unverifiable. I am the consumer disputing these entries directlyno third-party company is involved.

Under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

I requested verifiable proof, such as : An original signed contract for each account listed, or A certification from the creditor verifying the accuracy and completeness of the reported data.

If this information can not be verified, the FCRA requires that the disputed accounts be deleted. 

The accounts in dispute are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to account verification, I have requested : Deletion of all non-account holding inquiries older than 30 days Promotional suppression to be applied to my credit file As of now, no verifiable proof has been provided. The continued reporting of these accounts without proper verification is damaging my ability to obtain credit and is a violation of my rights under the FCRA.

I request a full reinvestigation within the 30-day timeframe and a written explanation of the procedures used to verify the accounts within 15 days of the investigations completion.

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 2025-07-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX INQUIRIES : XXXX  XXXX  Date : XX/XX/XXXX XXXX/XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: CA

Complaint narrative:
Someone used my name and credit online for XXXX XXXX XXXX. I tried to get removed to no avail im older on fixed income. I did not sign anything or give permission. Southern management XXXX based in XXXX along with apt manger know is not me and told me dispute it they were not helpful and refused remove my name from collections. I cant afford to pay a service and now cant get into a XXXX i applied for.I have lived at my current address since XXXX .. you will see its full of errors nothing connecting me other than name and credit. Please help???

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: VA

Complaint narrative:
On XX/XX/year>, I attempted to transfer {$12.00} from one of my Cash App accounts to another account linked to my XXXX XXXX  while I was in the store to purchase cigarettes. In the subject line of the transfer, I typed " cigarettes, '' but the phone auto-corrected it to " XXXXXXXX XXXX XXXX '' After initiating the payment, Cash App flagged the transaction for review. 

One minute later, I transferred another {$12.00} to the same account and successfully used my Cash App card to make a purchase at the XXXX XXXX grocery store. This proves the funds were used for a legitimate purchase. 

On XX/XX/year>, I received an email from Cash App asking what the payment was for. I responded, explained the situation, and provided proof of the XXXX XXXX transaction made within two minutes of the transfer.

Despite this, my account remains frozen. I have contacted Cash App multiple times via email and phone. Each time, I am told the matter has been escalated, yet no resolution has been provided. Representatives frequently hang up when I request to speak to a supervisor. This has caused significant financial hardship and stress to me and my family. The representatives are not providing any further information and are hanging up on me when I ask to speak to a supervisor. I have screenshots from support and proof of how many times I have reached out to them to have my account unfrozen. I have {$670.00} on there that they will not release I am not interested in continuing to use Cash App. I simply want access to my frozen funds so I can withdraw and close the account I am no longer interested in there services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : 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 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 2025-07-11 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: Southwest Credit Systems, L.P.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX XX/XX/year> SOUTHWEST CREDIT SYSTEMS LP XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX Subject : Cease and Desist Demand Under 15 U.S. Code 1692c ( c ) To Whom It May Concern : This letter serves as your formal notice to cease and desist all communication with me regarding any alleged debt or matter associated with my name, accounts, or personal information.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), once a consumer notifies a debt collector in writing that they wish all communication to cease, you are legally obligated to stop all further contact except for specific circumstances permitted by law.

I am hereby exercising my right to demand that you immediately stop all communication with me, including but not limited to : Telephone calls ( cell, home, work, or any other number ) Letters Emails Text messages Communication through third parties Any other form of contact This demand applies to you, your representatives, agents, attorneys, and any third-party collectors or affiliates acting on your behalf.

Failure to comply with this cease and desist demand will be considered a willful violation of the FDCPA, and I reserve the right to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office, as well as seeking damages and attorneys fees as permitted under 15 U.S. Code 1692k.

Please acknowledge receipt of this letter in writing and confirm that all communication efforts have ceased. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX  charges made accounts created I didnt authorize victim of identity fcra section XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) - XXXX - XXXX XXXX XX/XX/XXXX I am writing to formally dispute several unauthorized inquiries listed on my credit report. These inquiries were not made with my knowledge, authorization, or consent, and I believe they are the result of fraudulent activity. 

Upon reviewing my credit report, I noticed the following inquiries, which I did not initiate : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX XXXX XX/XX/XXXX ALLY FINANCI ( Finance ) XX/XX/XXXX I have NEVER applied for credit with these entities, nor have I authorized anyone to do so on my behalf. As such, these inquiries are unauthorized and should be considered fraudulent. 

Under the Fair Credit Reporting Act ( FCRA ), I respectfully request that your agency investigate these inquiries and remove them from my credit file. I have also taken appropriate steps to protect my identity, including filing an identity theft report and placing a fraud alert on my credit file. 

Please confirm receipt of this letter and provide written confirmation once the inquiries have been removed. 

Thank you for your attention to this matter. Please do not hesitate to contact me if further information is needed. 

Sincerely, XXXX XXXX XXXX Let me know if you'd like it customized for a specific bureau or if you're submitting this online, where the format may differ slightly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) - XXXX - XXXX XXXX XX/XX/XXXX I am writing to formally dispute several unauthorized inquiries listed on my credit report. These inquiries were not made with my knowledge, authorization, or consent, and I believe they are the result of fraudulent activity. 

Upon reviewing my credit report, I noticed the following inquiries, which I did not initiate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have NEVER applied for credit with these entities, nor have I authorized anyone to do so on my behalf. As such, these inquiries are unauthorized and should be considered fraudulent. 

Under the Fair Credit Reporting Act ( FCRA ), I respectfully request that your agency investigate these inquiries and remove them from my credit file. I have also taken appropriate steps to protect my identity, including filing an identity theft report and placing a fraud alert on my credit file. 

Please confirm receipt of this letter and provide written confirmation once the inquiries have been removed. 

Thank you for your attention to this matter. Please do not hesitate to contact me if further information is needed. 

Sincerely, XXXX XXXX XXXX Let me know if you'd like it customized for a specific bureau or if you're submitting this online, where the format may differ slightly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Was able to locate cancelation notice.still do not recall discussion about the benefits of this type of loan Since l am the only one paying. The notice to cancel was not announced .l still don't have the location or name of Agent who l allegedly talked to.

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 2025-07-11 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: IL

Complaint narrative:
This account is incorrectly marked as delinquent. It should not be showing this status, as the information is inaccurate. I am requesting that it be disputed and updated to reflect no late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Relay Financial (US), Corp.
State: VA

Complaint narrative:
I opened a XXXX account with Relay Bank www.relayfi.com. I was approved and started to use the account. I invoiced a client {$1300.00} on XX/XX/year>. The client is a family friend. She fulfilled the invoice using their click to pay link on XX/XX/XXXX. I received a communication from XXXX at XXXX 's Compliance team yesterday XX/XX/XXXX asking me to provide information. 

Copied here. 
Hi XXXX, Hello, this is XXXX from Relay Financial 's Customer Operations Team. We hope you are well! 

We noticed an ACH payment of {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXeceived on [ XXXX ] via XXXX. Would you kindly please provide the following information : Do you recognize the sender and confirm this is a valid transaction? 
What is the purpose of this transaction? Please provide a detailed response. 
Please provide any relevant invoice or agreement details. 
Please submit any further communication ( emails, text messages etc. ) with the client discussing the goods/services provided. Please ensure the sender 's contact information is visible. 
Please upload the requested documents using the link below and let us know once completed : [ Link to XXXX ] ( Note : Screenshots of documents can not be accepted ) Once youve uploaded the requested documents, please kindly reply to this email so we can review them for you as soon as possible and avoid any delays. 

Please note that the account is on hold until this review has been completed. We appreciate your patience and understanding regarding this matter! 

Best wishes, XXXX, Compliance Specialist Relay I responded with the information needed. Despite finding this highly unusual. 
Today I received another email asking me to resend information as it did not come through. 

I submitted it again. I then called the bank and was met with no further help. Just saying they can not answer any questions while the review is being done. After pushing further to try and get a resolve they released the funds they refused to connect me to anyone else and then hung up on me. 

I am now getting further pushback via email asking for even more information. 
I have asked the sender to see if their bank can pull the money back. 
I do not trust that this company is legitimate at this point. 

Here is a reddit link showing experience with this company https : XXXX I do not know how else to resolve this. Honestly it looks like fancy identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
On XX/XX/year>, I sent a written dispute and debt validation request to National Credit Systems ( NCS ) regarding a collection account tied to rental charges from my former landlord. I requested an itemized breakdown of the charges, a copy of the lease, move-in and move-out documentation, and proof that NCS had the legal right to collect this debt. I received no response.

A few weeks later, I sent a follow-up letter reiterating my request, and I still received no written communication or documentation. Despite this, NCS continued collection activity, including sending attorney letters to my mother, who co-signed the lease.

I also disputed this account with the credit reporting agencies. While the bureaus reported that the debt was verified, National Credit Systems never provided me directly with the documentation I requested. 

The debt in question stems from charges that should fall under normal wear and tear after a four-year tenancy. These include costs that landlords are not legally allowed to charge tenants for after reasonable long-term use. I believe the charges are inflated and unsupported, and NCS has not provided any evidence to justify them.

I am requesting that the CFPB require NCS to provide full debt validation or have the account removed from collections and my credit reports due to failure to comply with the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
Please assist me in launching an investigation regarding these accounts, as they appear to be inaccurately reported on my credit file. In line with USC 1681g, I am requesting their removal within the next 15 days. Enclosed are the necessary documents for your review. I would also like to point out that the information reported by the credit bureaus is conflicting and contains errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: OH

Complaint narrative:
I am submitting this complaint because Equifax continues to report inaccurate and unauthorized information on my consumer file even after the massive XXXX Equifax data breachan event that exposed my personal data and made me a victim of identity theft. In violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) ( failure to maintain reasonable procedures for maximum accuracy ), 1681i ( a ) ( failure to reinvestigate within 30 days ), 1681c-2 ( 605B, identity-theft blocks ), and 1681s-2 ( b ) ( duties of furnishers upon notice ), Equifax has repeatedly refused to correct or delete the following disputed tradelines : four XXXXXXXX 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. Because the XXXX tradelines involve my education records, Equifaxs disclosure and mishandling of that data without my written consent also contravene the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g, and its implementing regulations, 34 C.F.R. Part 99. Equifaxs negligence is particularly egregious given its {$700.00} XXXX XXXX CFPB/FTC settlement for similar failures to protect consumer information and conduct thorough investigations. These unlawful practices are causing ongoing credit denials, higher borrowing costs, and severe emotional distress. I respectfully request that the Consumer Financial Protection Bureau compel Equifax to ( 1 ) block or delete the above accounts under FCRA 605B, ( 2 ) conduct a complete reinvestigation, ( 3 ) provide me with a corrected credit file, and ( 4 ) ensure compliance with FERPA and all applicable federal and state data-security laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

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