vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/year>, I was at the XXXX XXXX and a car hit the car my partner was driving. Among other mishaps, I lost my wallet where I carried my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I immediately called the bank and blocked the card and made an appointment to get my driver 's license again, and everything went back to normal. About XXXX XXXX  ago, I started receiving letters that I don't recognize and proceeded to review my credit information, in which I could see that there are countless XXXX numbers and reports that I don't recognize. This makes it clear that it is an identity theft due to the loss of my XXXX  documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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

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 2025-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
i disputed collections that keep showing up on my account when the was removed they did not have my permission to use my information or send it to other people

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Collection agency name : LVNV funding LLC c/o resurgent capital Funding Address : XXXX SC XXXX Account number : Your NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, IL XXXX Dear LVNV Funding I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor secularized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
XXXX sent the modem to the wrong address on my first order, so I never received it or used the service. Attached is the return email from XXXX, which clearly shows the original order was sent to a different address. 
I later placed a new order and shipped it to my correct address ( XX/XX/XXXX ), but they continue to charge me for the original order I never used. Today ( XX/XX/XXXX ), I received an email about a major derogatory activity alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: MA

Complaint narrative:
Discover has frozen my checking and savings accounts 3 times without my consent after I told them that activity was not fraudulent. I told them I planned to transfer my accounts out because they keep freezing my assets. My checks for bills are bouncing, Im incurring late charges, its negatively impacting my credit score and I need access to my money. They refused to lift the freeze on my accounts. This is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: Apple Financing LLC
State: GA

Complaint narrative:
I added {$2900.00} to my Apple XXXX wallet from my cash app card to pay rent because the northland rent portal doesn't accept prepaid cards but they do accept Apple XXXX. Upon adding the money to my Apple XXXX account and attempting to pay using Apple XXXX my account was suddenly locked. I called in they told me it would be XXXX hours until it unlocks and told me they don't know why it locked or couldn't give me an actual reasoning upon requesting. I explained to them the severity of the situation and that I needed to pay rent so I don't get fined a {$600.00} late fee plus eviction. They didn't care and after XXXX I called back and they explained they were able to verify the funds were legitimate and I should be able to use my money at XXXX XXXX XXXX but when the time came and I tried to pay rent and use my money it was still locked and they refused to give me access to my money even knowing the situation and told me I'd have to wait another XXXX or longer due to a unknown error on their end and that I can't talk to the review team because its a private matter and they don't talk to people. I asked to talk to a higher up that could talk to them or inform them of the severity of the situation and they refused. I also asked the representatives ( plural because I asked multiple ) If I give them permission can they at least inform my leasing/housing office about the situation to help alleviate the stress and tension if I gave them permission to discuss my account information with them and they refused every time. Now they're holding my money XXXX without reason and won't inform me about what's going on or why. They keep using the terms and agreement ploy with me but I've read the agreement and their only allowed to do a lock if they suspect fraud which the first XXXX review showed everything was legit and cleared but the second lock is unexplained and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: Halsted Financial Services, LLC.
State: IA

Complaint narrative:
MY PRIVATE NON PUBLIC INFORMATION WAS SHARED WITH S 3RD PARTY I DO NOT OR NEVER HAD BUSINESS WITH REGARDING AN ALLEGED DEBT BOUGHT BY XXXX WHOM I ALSO DO NOT HAVE OR NEVER HAD ANY BUSINESS WITH.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-03 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:
Let me be absolutely clear : this complaint is not being submitted in error. My credit report contains inaccurate and misleading information that fails to meet the standard of maximum possible accuracy, as required by law. These reporting errors are causing serious and ongoing harm to my financial standing and personal well-being. 
This continued inaction is placing an unacceptable burden on me, especially during an already challenging period in my life. I expect immediate attention and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PR

Complaint narrative:
I am submitting this complaint regarding an issue I experienced with the Wells Fargo XXXX Credit Card, which I was approved for on XX/XX/year>. The card was advertised with a promotional offer of 0 % APR for 21 months, which was a key factor in my decision to apply. 

After being approved, I made my first purchase on XX/XX/XXXX. However, without warning or valid explanation, Wells Fargo closed my account shortly afterward. I received no phone call, email, or letter notifying me of the closure. I only discovered the account had been closed through a third-party app, XXXX XXXX XXXX This abrupt action not only revoked access to my credit line but also caused the credit limit to drop to \ {$0.00}, resulting in me being charged for exceeding the limit despite having used the card under the assumption that the 0 % APR promotion and credit availability were still valid. 

I called Wells Fargo on XX/XX/XXXX to understand what had happened. After being transferred multiple times and receiving inconsistent information, a representative finally informed me that the account had been closed due to an issue with my mailing address. They stated that I failed to fax proof of address, but I was never made aware of this requirement, nor was I given an opportunity to resolve it. 

I believe this situation XXXX involve violations of several consumer protection laws, including : UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) : I relied on the advertised 0 % APR promotion, was approved, and began using the credit line in good faith. The account was then closed without notice, and I was penalized financially a practice that feels deceptive and unfair.

Truth in Lending Act ( TILA ) : The advertised terms were not honored, and I was not provided with clear or timely disclosure about the change in account status. 

Fair Credit Reporting Act ( FCRA ) : The sudden account closure, without notice or opportunity to address the issue, may negatively affect my credit report again, without proper communication from the issuer.

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 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I reporting suspected fraudulent activity on my Cash App account involving multiple unauthorized transactions in XXXX XXXX, XXXX. I did not make or approve these charges, and I was never notified or alerted by Cash App about them. 

Despite reaching out, I have not received a clear explanation or support. I believe my account may have been compromised, and I am requesting that the involved companies take immediate action to investigate these transactions, recover any lost funds, and improve communication regarding suspicious activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: PR

Complaint narrative:
I have no knowledge of an account like this and less that I have a balance in collection. This information was disputed through disputes by credit agencies and it never sent written information referring to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
I'M THE VICTIM OF 605C XXXX XXXX ATTACHED IN THIS COMPLAINT YOU WILL FIND ALL MY INFORMATION HERE. PLEASE REVIEW THEM ALL AND REMOVE AN DBLOCK THE REQUESTED INFORMATION, THANK YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NV

Complaint narrative:
After looking over my credit report I see accounts and information on my credit report that I do not recognize.

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 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
In XX/XX/year>, I signed up for a one-month, no-commitment membership with XXXX XXXXXXXX XXXX. That was the extent of my interaction with them. 
I never received any invoice, phone call, email, or written notice after thatnot even within the first 90 days. 

Then, in * * XXXXfive years later * * I discovered that a collection account for {$180.00} had been placed on my credit report by First Credit Services. I was never informed of this debt. Not once. 

I reached out to the original company. The manager admitted in writing that he couldnt explain the charge, didnt recall my account details, and told me to contact the collection agency instead. 
There was zero accountability, no apology, and no attempt at resolution. I was left to deal with the damage alone.

I ask you would any rational person ignore a {$180.00} charge for five years if they had been properly notified?

This amount could have been resolved in 10 minutes if I had simply been told. Instead, the company chose to pass the debt silently to collections, damaging my credit without warning, without consent, and without responsibility. 

The damage is real. My credit score has dropped. My peace of mind has been disrupted. And now, I am expected to pay for a mistake I wasnt even given the chance to fix.

I believe this situation represents a clear failure in ethical and legal responsibility, violating the principles of the Fair Debt Collection Practices Act. 

I am attaching the email I received from XXXX XXXXXXXX XXXX representative as proof that even they can not justify or explain what happened. 

I respectfully request that this account be fully investigated, and that the collection record be deleted from my credit file. I should not be penalized for a failure that was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Recently, I did An investigation On my credit report and found several items on there to be an and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, 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 explanation
Consumer complaint received 2025-06-03 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: VA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NC

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 XXXXXXXX XX/XX/25

Company response to consumer: Closed with explanation