vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> Milestone RE : Request for debt validation To Whom It May Concern, I am writing in response to your [ letter/call ] dated [ date ], which I received regarding a debt you claim I owe. I am requesting that you validate this alleged debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. Detailed statements showing how the amount was calculated ; 4. A copy of the original signed contract or agreement creating the debt ; 5. The name and address of the original creditor ; 6. Proof that you are authorized to collect this debt in my state ; 7. A copy of your license to collect debts in New York.

Please cease all collection efforts and communications until you provide the requested validation.

If you fail to provide this information within 30 days of receiving this letter, or if you continue collection activities without validating the debt, you will be in violation of the FDCPA. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: IL

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-06-14 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: Loqbox US Inc
State: FL

Complaint narrative:
I am filing this complaint against Loqbox Finance for inaccurate credit reporting and failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681s-2 ( b ).

For over 11 months, I submitted multiple disputes directly to Loqbox and through the CFPB, including bank statements that showed sufficient funds were available when the payment was due. Loqbox has continuously refused to delete the late payment and has repeatedly requested the same documents without properly reviewing or verifying the reporting.

I no longer have access to the previous bank account as it has been closed, but Loqbox had sufficient opportunity to conduct a reasonable investigation during the prior disputes and failed to do so. Their continued reporting of this unverifiable late payment constitutes an ongoing violation of the FCRA.

I respectfully request that the CFPB require Loqbox to delete this late payment entry from my credit reports with XXXX XXXX, and XXXX, as the information remains inaccurate, unverifiable, and the result of a failure to investigate properly.

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 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
So I applied for marketing job that I cover my car with stickers with there prouduct, which I did and he sent me a cheque for that. But when I deposited I got to know it was fraud cheque and the back locked my account.

I had {$50.00} or {$40.00} in my account because they locked I dont have a way to get that money or transfer it. Because thats all I have. All the money I have for myself and my sister

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Santander USA repossessed the car and closed the account in XXXX. I submitted a dispute on XXXX XXXX on XX/XX/XXXX stating the dates and balance was incorrect. Santander denied the dispute with no explanation. After denying the dispute Santander then reports on my credit derogatory marks for each month from XXXX ( after account closure ) to XXXX XXXX submit another dispute on XX/XX/XXXX for inaccurate payment history. XXXX XXXX stated the result was unknown. After this dispute was deemed " resolved '' by XXXX XXXX, Santander then re-opens the closed account with all of the derogatory marks that they just added from the last 5 and a half years, which caused my credit score to drop over 80 points. Santander never notified me that they were reopening the account and it is very unfair that after the car was repossessed and the account was closed, 5 years later they are reporting on my credit as if this is a current or active debt which is extremely misleading as I am also trying to buy a house in the next 3 months and now I have all of this negative reporting on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: VA

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX  TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, 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 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 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: NJ

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I paid off my auto loan in full on XX/XX/year> to XXXX XXXX, just before they transferred my account to Westlake Portfolio Management. I did this specifically to avoid complications with the transfer. Despite that, my account was still moved to Westlake.

Since then, I have made multiple calls to Westlake to receive my vehicle title, but they claim it has been mailed and lost in transit, repeatedly. It has now been nearly three months and I still have not received my title, nor have they provided any tracking numbers, proof of mailing, or resolution.

This is interfering with my legal right to proof of ownership, and I believe I am being misled or deliberately stalled. Westlake has a pattern of poor consumer service and questionable business practices, and I fear they are mishandling consumer documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/year>, I disputed a negative item on my credit report from Wells Fargo Bank N.A. ( WFBNA ) for an account they reported as charged off with a {$6400.00} balance. I filed this dispute through Experian and also submitted a complaint to the CFPB. 

In response, Wells Fargo failed to properly verify the account. They sent only a transaction history, which does not prove the account belongs to me. They did not provide a signed application, proof of identity, IP address logs, or any supporting documents that show I opened or used the account. 

I also formally requested validation under the Fair Credit Reporting Act ( FCRA ), Section XXXX, and Wells Fargo has not complied with the law. 

Additionally, under FCRA 611, they are required to conduct a reasonable investigation when a consumer files a dispute. Providing a list of charges or payment dates is not sufficient evidence of ownership or responsibility.

Under FCRA 623 ( b ) ( 1 ) ( D ), if the company can not verify the information with sufficient evidence, they are required to delete it from my credit report. Despite failing to verify, Wells Fargo continues to report the account as charged off and delinquent, damaging my credit.

This is now a pattern of non-compliance, and I am requesting that the CFPB intervene and direct Wells Fargo to : Provide actual evidence that I opened and used the account Delete the account entirely if they can not prove ownership Stop furnishing unverifiable information to the credit bureaus I am exercising my legal rights and asking for accountability under FCRA 609, 611, and 623. This inaccurate and unverified account is continuing to harm me, and I am seeking a full resolution.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am submitting this formal complaint against Equifax Information Services LLC for failure to provide legally required verification details in relation to a disputed account from XXXX XXXX, XXXX. 

I previously disputed this account due to inaccuracies and requested that Equifax provide proof of the reinvestigation per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 609 ( a ) ( 2 ). Equifax responded with a generic verified status, but failed to disclose : The name, title, and contact information ( phone number/email ) of the person or system who verified the account The method used ( e.g. phone, database, E-OSCAR codes, direct communication ) Copies of any documents received from XXXX XXXX during the reinvestigation Any notes or internal records associated with the verification The dates and exact timestamps when each verification attempt or reinvestigation was initiated and completed According to FCRA 611 ( a ) ( 7 ), I am entitled to a full description of the procedure used to determine the accuracy and completeness of the disputed information. Without these disclosures, Equifaxs verification lacks legal sufficiency and transparency. 

XXXX XXXX has continued reporting this account as charged off with derogatory history. If Equifax can not fully document their reinvestigation process, including dates, times, and sources, the item must be removed immediately from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I am locked out of my " myequifax '' account. Equifax consistently shows me this error message : " Please give us a call. We can't complete your request at this time. Please call the Customer Care team. '' I have tried signing in on several different days, using different devices, and different browsers. I am not using a VPN. I reset my password, and still receive the same error. When I call the phone number displayed, there is no option to unlock my account, and no way to reach a person. I am out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: NC

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in several fraudulent hard inquiries and negative items appearing on my consumer FICO credit report. I do not recognize the account reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account, negative items, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 : 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 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 2025-06-14 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: CA

Complaint narrative:
Two different dates given one of the dates two different times so three different times total that they would close the account now my card was used fraudulently the cash app allowed a transaction to process the web page where the account was processed the name did not match my card then the company tried to cover their tracks when I showed up my ID that this is an information that my card was used fraudulently then they tried to open it in an account and trade playing games cash app doing the same thing now every time I submit a complaint with you cash out this nice acclaim and ask him the records of every time for their denials it's always within like 2 hours after I get a response back from consumer finance protection bureau then they deny a claim Cash app is Cash app received the police report number and also they received a copy of the receipt where I paid for my ID and it hasn't even been 2 weeks yet and then they're going to close my account down because I don't have an ID to verify right now so I'm submitting my ID so that's what I have I was robbed I submitted the police report number they're doing everything they can to avoid paying this dispute because they allowed a financial transaction to be processed that did not match my name that was on my card now I submitted the receipt it's not my fault that I can not get the DMV to hurry up and mail me my ID the real ID backlog

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal, I ask that you DELETE these authorized inquiries from my credit report immediately, as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports, 15 U.S. Code 1681b, In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX Inquiry Date : XX/XX/year> Creditor : XXXX XXXX  Inquiry Date : XX/XX/year> Creditor : XXXX XXXX Inquiry Date : XX/XX/scrub> 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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I opened an car installment loan with XXXX XXXX XXXX. Payments were {$550.00} monthly. I paid XXXX. The original balance they are reporting to my credit report is XXXX. So in actuality I paid XXXX over. I guess that was the interest. Well in XX/XX/XXXX the car was repossessed. I fell behind on those high payments 6 years later. Well the past XXXX years I have been fixing my credit. According to my credit report I owe XXXX. Last account update was XX/XX/XXXX. They are reporting the last payment was in XXXX for how much? And who. They are reporting XXXX was written off and I still owe XXXX. I have disputed the inaccurate information and apparently the credit reporting agencies are not doing the proper investigation. Because they come back with this item will remain until XX/XX/XXXX. Not only has this company robbed me but they have been destroying my life and credit for 11 years. They took the car and food from my XXXX children. I have attempted to call and email. Either I'm disconnected or transferred. The last time I was able to get a live person she stated that the account was sold to a collection agency. Supposedly transferred me to them but I got a credit repair company that said they were working with XXXX XXXX XXXX and I paid XXXX thinking they could help me but I was robbed again. This is a notice of direct dispute with them under the provisions of FCRA 623 ( a ) ( 8 ) ( d ) of the accuracy of the information they have reported to my credit file. This is a direct dispute of credit reporting.

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 2025-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: OK

Complaint narrative:
I just received a collection report from Credit Management Company for a medical bill I had no idea I had from 6 years ago. I called trying to verify debt and was just told it was mine, they also said they wouldnt delete it off my credit if I paid a sum of money and that the deal would only last that moment.

Company response to consumer: Closed with explanation