vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX  report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Jefferson Capital Llc XXXX  XXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXXXXXX XXXX  XXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX XXXX XXXXXXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX  report. 

Please verify or remove immediately the following accounts : Spring Oaks Capital , Llc XXXX XXXXXXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX XXXX XXXXXXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXXXXXX XXXX XXXX  XXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: SC

Complaint narrative:
I notice on my credit report of 2 accounts that wasnt mine and is reporting as fraud. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have contacted the creditors also. Please remove these accounts off my credit report. I also contacted consumer lawyer about these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
A demand Letter was sent to XXXX XXXX XXXXXXXX XXXX and World Omni Finance.INC. They responded but did not return the information I requested. They did not send me " Banking Ledger '' on this account. Instead of sending me the actual and original wet ink Promissory note they sent a copy. ( 12 U.S. Code 1431 - Powers and duties of banks ). Full disclosure was not given.

A Bill of Exchange ACT 1099 A, 1099 B, 1099 C, 1096 have all been filed with the Treasury.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: LA

Complaint narrative:
I originally tried to order a cash app card back in XXXX after losing the original one I had for like XXXX years. They keep telling me it's ordered and on the app it just generates me a new number and say that it's in processing but never stayed that it was Shipped or that its on its way they say it can take up to 14 days I've waited 30 days and still nothing they keep saying i should have gotten it and keeps putting me through the same proces

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: Servicing Solutions, LLC
State: GA

Complaint narrative:
Servicing Solutions company has reported my closed business account to my personal credit account. They purchased my credit card debt from XXXX, who closed and discontinued their XXXX XXXX XXXX with no warning. They purchased the debt from XXXX, and then did not contact me regarding any collection. Servicing Solutions illegally then reported this business account to my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-18 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: Bounce AI, Inc.
State: MS

Complaint narrative:
This agency is violating my Consumer rights by using false misleading, misrepresentation, and deceptive means.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Subject : Urgent Dispute Regarding ChexSystems Allegation To Whom It May Concern, I am writing to formally dispute an alleged allegation associated with my ChexSystems profile. After reviewing my records, I have found no information indicating any negative reports, errors, or fraudulent activity under my profile. 

Because of this alleged issue, I have been experiencing significant difficulties in opening accounts with banks and credit unions. Most recently, I applied for accounts with XXXX and XXXX XXXX XXXX XXXX, both of which denied my application, citing something on my ChexSystems profile. However, upon checking my report, I have found no such information. 

Under the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( UCC ), I have the right to accurate and fair consumer reporting. The presence of inaccurate information on my profile is a violation of these rights. Furthermore, the denial of financial services based on unverified or erroneous data may constitute a violation of my constitutional rights. 

I demand an immediate investigation into this matter and the removal of any inaccurate or misleading information from my ChexSystems profile. Please advise on the next steps to resolve this issue, and let me know if any additional documentation is required from my end. I appreciate your time and attention in addressing this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PRIMAVERA FINANCIAL, INC.
State: SC

Complaint narrative:
I received care through XXXX XXXX and applied for financial assistance using their official hospital portal. I uploaded all required documents to verify my income. I was later notified through the hospitals system that my balance was {$0.00}. It also confirmed verified proof of the documents I uploaded Despite this, XXXX XXXX sent my account to a third-party debt collector, and I have been receiving repeated messages attempting to collect a balance that should not exist. 
I am attaching the proof of the {$0.00} balance and financial assistance approval to this complaint.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
This Account # XXXX with balance of XXXX violates Metro 2 Guildlines by reporting both Charge off status and balance pass due according to FCRA and Metro 2 Guildlines.

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 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XXXX XXXX XXXX I attempted to deposit {$260.00} in cash into my XXXX checking account using a Huntington ATM machine at the XXXX XXXX grocery store on XXXX XXXX in XXXX XXXX, Ohio. This occurred at approximately XXXXXXXX XXXX. I a ) inserted my XXXX Debit card into the ATM b ) entered my PIN number when prompted by the ATM c ) was asked what I wanted to do ; my reply was deposit into checking d ) was instructed to insert my money which I did At this point I could hear the ATM counting my bills. One of the bills did not go through and I reinserted it. At this point the door at the bill insertion site closed and the screen said that there was a problem with my transaction and it could not be completed. No receipt came out! No record of ANYTHING was provided! 

I immediately contacted the Huntington number on the machine, at approximately XXXX XXXX I was told the problem was XXXX and to contact XXXX. I was VERY alarmed the ATM gave me no receipt or record of what had just transpired. 

I have contacted HUNTINGTON multiple times. They insist they can find no record of the above Event.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: MA

Complaint narrative:
Attempt to open savings account and 4 credit card accounts with US Bank. I spoke to them and they have cancelled, they know these were fraudulent attempts.

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 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: PA

Complaint narrative:
Debt validation letter The amount they said is owed is XXXX disputed this XX/XX/XXXX. The dispute number is XXXX. The company did not provide evidence that the debt is correct. I requested prove back in XX/XX/XXXX as well, still do not receive anything. the debt collector or agency must provide written evidence of the debt within 30 days, which they have not.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
Account Security Credit services XXXX XXXX XXXX XXXX Credit Card # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. if you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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:
Recently I did an investigation on my credit report 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 shalli ) 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 XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX {$4800.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX {$140.00} Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX, XXXX XXXX XXXX Account number XXXX {$8500.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Account number XXXX {$140.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX {$770.00} Date opened XX/XX/XXXX XXXX XXXX Account number XXXX {$140.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account number XXXX {$440.00} Date opened XX/XX/XXXX XXXX, XXXX XXXX XXXX Account number XXXX {$8500.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX {$770.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX {$570.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX {$4800.00} Date opened XXXX XXXX, XXXX Or XX/XX/XXXX Equifax XXXX XXXX Account number XXXX {$140.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX {$8400.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX {$770.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: TX

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

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX  ) # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX 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