vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX is not reporting my on time payments correctly to the Credit Bureaus : Transunion, XXXX, and XXXX, and is causing my score to decrease.

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 2025-07-29 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
Exerter Finance is not reporting my on time payments correctly to the Credit Bureaus : XXXX XXXX XXXX XXXX and is causing my score to decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I moved out in XX/XX/XXXX. My last regular rent bill was emailed on XX/XX/XXXX for {$1500.00}. Then on XX/XX/XXXX I got an email saying Id be charged $ XXXX starting XX/XX/XXXX due to month-to-month statusthis was never agreed to. On XX/XX/XXXX, I received another email charging me {$2700.00} for XXXX rent even though I was already cleaning and moving out with a XXXX 

I went to the office and complained I was told it was a billing error, and I never received a corrected final bill, or return of my deposit or a breakdown of how my security deposit was applied. Later, a different amount ( {$1100.00} ) appeared in collections, without explanation. 

Ive received no itemized final accounting, no notice of deposit return or use, and no consistent or accurate bill. To make matters worse, the credit report now includes corrupted data ( Invalid date repeated ), which is a violation of the FCRA. 

I am requesting full deletion of this debt from all credit reports due to inconsistent and unverifiable information, mishandling of notices, and failure to account for my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-29 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: MI

Complaint narrative:
In addition to the inquiries on my identity theft report I noticed more fraudulent inquiries on my Transunion report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are fraudulent and need to be removed immediately as they are hurting my ability to obtain credit.

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 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
My reference/case number for cashapp is XXXX. I have been asking them what terms of service did I violate to have my account closed and no one can seem to answer that question do I can defend myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In approximately XXXX of XXXX our XXXX XXXX XXXX was compromised. We contacted XXXX and had it cancelled. XXXX sent out new cards with new account numbers. We did NOT ACTIVATE these new cards. We moved our business over to XXXXXXXX XXXX  In XXXX of XXXX I was notified by XXXX by email that I had a past due balance of {$270.00}. I did NOT have an active credit card with XXXX at that time! How could I have a past due balance on a card I had not used in over a year? I investigated and XXXX allowed XXXX XXXX charges in XXXX on a reported compromised card. They did not inform me that they allowed these charges. I did not receive any email receipts from XXXX or XXXX. I did not receive any statements or any emails stating that I had a bill due until after 60 days had passed and late fees had been placed on the account. 

I contacted XXXX again and their customer service was not helpful. They wanted me to dispute the charges against the merchants. I don't want to XXXX over the merchants. I own my error in not changing the credit card on the XXXX site. I thought I had changed it. But the XXXX card was CLOSED! Any charges should have bounced! The error was XXXX 's in allowing the charges. They should not have allowed any charges on a closed card. I recognize people make mistakes. So I asked for the late fees to be removed and I would pay the balance I didn't know about. They refused. I told her to close the account because I had previously thought it would automatically close when I did not activate the new credit cards. I mailed them a check ( Number XXXX ) for {$270.00}, registered mail which covered the charges they allowed, the late fees, and the interest although I did not feel like I owed anything. They did not return the green card from the registered mail but they did cash the check. 

They still reported me to the Credit Bureau. My credit dropped XXXX points and my rating went from Excellent to Good. This was just vindictive. I would like for XXXX to have to face a fine or some kind of disciplinary action for allowing charges on a reported compromised card, for not notifying me that the charges were made, for not emailing me a statement in XXXX, and for placing a XXXX mark on my credit report when this was all THEIR error.

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 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES
State: IL

Complaint narrative:
am filing this complaint because the original creditor, [ XXXX XXXX ], is continuing to report a charged-off account on my XXXX credit report, despite having sold or transferred the account to a third-party debt collector ( zwicker and associates. 

I have received communication from the debt collector zwicker and associates on XX/XX/XXXX and requested validation, which they have not fully provided. Despite this, the original creditor is still reporting an outstanding balance and a negative payment history, which I believe is inaccurate under the Fair Credit Reporting Act ( FCRA ). 

The account should be updated to reflect a {$0.00} balance if it has been sold, and the payment status should indicate that the creditor no longer owns the debt. 

I previously disputed this account through XXXX but the dispute came back as verified without any documentation or validation of the accuracy of the reporting. XXXX did not conduct a reasonable investigation under the FCRA, and no evidence was provided to me showing the legitimacy of the balance or ownership of the account. 

I am requesting : XXXX. A formal investigation into this matter. 
XXXX. That the original creditor update the tradeline to reflect a {$0.00} balance ( if sold ). 
XXXX. That XXXX conduct a proper reinvestigation or provide proof of verification. 

This inaccurate reporting is unfairly damaging my credit and is impacting my ability to rebuild financially. I would appreciate your prompt assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I had two unauthorized transactions from a business I have done business with in the past. I have notified the bank that these transactions were unauthorized and they credited {$3900.00} which was the unauthorized transactions. On XX/XX/XXXX I received mail that they have reversed the transactions and on XX/XX/XXXX they would be deducting {$3900.00} from my account. I have informed them that I will not have the funds available that day and that I want to appeal the decision and work on a payment plan as taking {$3900.00} from me I would not have the money for it and it would cause my account to be negative XXXX XXXX 

They were very dismissive of me and not trying to help me at all.

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 2025-07-29 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX AUTONATION XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Early Warning Services, LLC
State: MI

Complaint narrative:
I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXX consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX, routing number XXXX and account number XXXX, opened on XXXX and closed on XXXX, with consumer removal on XXXX and last status change on XXXX ; and XXXX  XXXX XXXX Michigan, routing number XXXX and account number XXXX, opened on XXXX and closed on XXXX, with consumer removal on XXXX and last status change on XXXX. The accounts are listed under my name, XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, FL XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, with date of birth XXXX. 

I dont recognize the following accounts in question. XXXX a victim of identity theft and I dont recognize these accounts on my report. XXXX requesting the following information be deleted from my XXXX XXXX XXXXXXXX XXXX report immediately! Ive attached a copy of the report to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: SC

Complaint narrative:
* PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Equifax XXXX and Equifax Information Services LLC, XXXX ADMINISTRATIVE PROCEEDING File No. XXXX SPECIAL XXXX TO THE FOLLOWING XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX. XXXX ( Application for XXXX XXXX XXXX  Admission Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for XXXX Consumer Financial Protection Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX  XXXX  XXXX XXXX Place XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX : Cease and Desist Unlicensed Debt Collection & Credit Reporting Dispute Acct XXXX Acct XXXX To Whom It XXXX Concern : I am writing to formally notify you that your attempts to collect debt from me are illegal, as you are not licensed to collect debts in the State of Virginia. Pursuant to the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX et seq. ), you must immediately cease all collection activities related to any and all alleged accounts. 

Additionally, I have confirmed that you are reporting these accounts to the consumer reporting agencies ( credit bureaus ). Because the alleged debt is being collected illegally and you have no authority to operate in this state, any reporting to the XXXX XXXX is a direct violation of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). 

I demand the following : You immediately cease and desist from any and all collection efforts. 
You remove any and all accounts you have reported to XXXX XXXX XXXX XXXX  within XXXX  days of receipt of this letter. 
You provide me written confirmation that these accounts have been permanently deleted from my consumer credit reports. 

If you fail to comply, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's Office, and I will pursue all legal remedies available to me. 
This letter serves as notice under both the FDCPA and FCRA. You are hereby prohibited from contacting me except to confirm in writing that you have complied with my demands. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NY

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-29 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian XXXX XXXX XXXX XXXX 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX LA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX NA 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 explanation
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. Under my rights provided by XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2025-07-29 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed t

o such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A Section 2 : 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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