vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Client Services, Inc.
State: TX

Complaint narrative:
I received a letter, dated XX/XX/year>, from Client Services regarding an alleged debt of XXXX. I responded with a letter, dated XX/XX/year>, requesting they address the following XXXX items below or cease communications with me : 1. Please furnish a notarized and certified copy of the original contract redacting the social security number to prevent identify theft and state under penalty of perjury that you are the HOLDER IN DUE COURSE of the alleged note/contract for my own and a judges inspection should there be a trial to contest these matters.

2. Please produce the account and general ledger statement, signed under penalty of perjury, showing the full accounting of the alleged obligation that you are now attempting to collect.

3. Please identify, under penalty of perjury, by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

4. Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of alleged debt and are proceeding with collection activity only in the name of the original contracting party.

5. Please verify, under penalty of perjury, that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 6. Please provide ( a ) : copy of the certified and notarized contract made between Client Services and an
y of the previous alleged holder ( s ) in due course of the alleged, original contract, validation, signed under penalty of perjury, from the stated creditor XXXX XXXX  that you are under contract with them and authorized to act for them and forward a certified and notarized copy of the licenses and Bar Card Numbers of any and all attorneys involved in this fraudulent action to operate in XXXX  ; ( b ) contact information of your hazard/insurance bond holder to allow me to place a lien against those funds until a court hearing.

7. Please verify, under penalty of perjury, that if you fail to validate the alleged debt in XXXX ( XXXX ) days and continue your fraudulent actions pertaining to this alleged {$4600.00} debt you agree to pay to me, by bank check, the amount of {$10000.00}.

8. Please verify, under penalty of perjury, that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing that you know is false with the intention that others rely on the written communication to the detriment of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I am filing a complaint against SOUTHWEST CREDIT SYSTEM for failing to provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ). I submitted a written request for validation of the debt, including documentation that proves the debt is mine, the amount is accurate, and that the agency has the legal authority to collect on it. 

Despite my request, the collection agency has not provided any of the requested information. They have not sent proof that the debt belongs to me, nor have they provided documentation that establishes their right to collect on the alleged debt. This is a violation of my rights under the FDCPA. 

I am requesting that the CFPB investigate this matter and require the collection agency to either validate the debt properly or cease all collection efforts and remove any negative reporting from my credit file, if applicable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-05-27 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: TX

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2025-05-27 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:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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 TRAFFICKING 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. 

UNAUTHORIZED INQUIRIES : PROF FIN XX/XX/year> XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING 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 : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
On XX/XX/XXXX my wife XXXX XXXX XXXX ) and I opened a joint CD account with right of survivorship with XXXX XXXX Bank. 
On XX/XX/XXXX my wife and I opened a second joint CD account with right of survivorship with XXXX XXXX Bank. 
On XX/XX/XXXX my wife and I opened a third joint CD account with right of survivorship with XXXX XXXX Bank. 

Through bank mergers and name changes these XXXX XXXX became XXXX 's with Marcus : by Goldman Sachs. 

The account numbers for these CD 's are : XXXX, XXXX and XXXX. 

In XXXX, we called Goldman Sachs and asked that our daughter be added to the XXXX 's as a third joint tenant with right of survivorship, which Goldman Sachs did. 

At some time after that XXXX XXXX ( unbeknown to us ), removed my wife from the XXXX XXXX 's. We never asked for this to be done. 

From XXXX until now, Goldman Sachs has been sending us XXXX identical statements monthly for each XXXX. Therefore, we assumed that we had XXXX joint owners on each XXXX account. 

In XXXX of this year, we called Goldman Sachs to open a new CD with all the same XXXX joint owners. We were told that we no longer had XXXX joint tenants on any of the XXXX 's. This was the first time that we were told by Goldman Sachs that they had removed my wife from the XXXX 's. They did not say why they removed XXXX of the joint tenants without being asked to do so. 

I asked them to correct their mistake and add my wife 's name back on the CD 's as a joint tenant with right of survivorship. I was told that the request would have to be approved by the " Back Office '' and " Compliance ''. On XX/XX/XXXX, I was called by XXXX from the Back Office and that in order to XXXX my request Goldman Sachs would have to close all three of the old CD 'S, transfer the balances from the old CD 'S to our Checking Account, open the XXXX new CD 'S and once I transferred the money back into the new CD 's form our checking account, Goldman Sachs would marry ( their terminology ) the old CD APY 's to the new CD 's and adjust the maturity dates on the new CD 's to be the same as the maturity dates old XXXX 's. This didn't make any sense as to why I had go through all these steps. I asked XXXX at least XXXX times if I did all of this would the new CD 's have old APY 's and old Maturity dates. He assured me that after I transferred the funds bank to the new CD 's, it would only take Goldman Sachs XXXX to XXXX business days to marry the XXXX 's and adjust. 

Goldman Sachs did not marry the old CD APY 's within the XXXX to XXXX business days as promised. After calling many times and going through sets of case numbers, I was told XX/XX/XXXX, that they would not make these adjustments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-05-27 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 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 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ZWICKER & ASSOCIATES
State: NC

Complaint narrative:
Zwicker and associates is trying to collect a debt for XXXX. They have misrepresented the status of the debt numerous times by saying the account was not charged off. Some people there say it's charged off, others say it is not and the account is active. I can't seem to get a straight answer. When i asked for an explanation, they refuse to prove an answer. I complained to them about it and they said they would pass the complaints to XXXX. When I try to follow up regarding my complaints, they say they have no information regarding my complaints. I feel like they are ignoring and deflecting my complaints. XXXX won't talk to me about the complaints and Zwicker tells me to contact XXXX. I'm getting the run around! This ongoing pattern of deflection, evasion, and misrepresentation has made it impossible for me to exercise my rights under the FDCPA, including debt validation and informed dispute. I believe this constitutes deceptive and abusive behavior, especially since the law firm is acting as a debt collector and is bound by federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: MD

Complaint narrative:
I enrolled in a debt settlement program with National Debt Relief to resolve a XXXX XXXX XXXX XXXX credit card charge-off of {$3600.00}. I was told in XX/XX/year> that the account was fully settled and that my program was complete. 

As of XX/XX/year>, the account is still reporting as charged-off with a {$1400.00} balance on my XXXX credit report. I reached out to National Debt Relief and was told I must now wait up to 60 more days to receive a settlement letter and that I would need to contact the creditor myself to fix the reporting despite paying National Debt Relief to handle this process. 

I specifically requested : Proof that the account was settled and closed Confirmation of the date and amount paid Assistance resolving the inaccurate credit reporting They failed to provide any of this. 

Additionally, I am attaching a payment history that shows no payments were made toward the XXXX XXXX debt for nearly a year, even though National Debt Relief was actively withdrawing funds from me. This delay caused further damage to my credit and indicates a complete failure to follow through on their service obligations. 

I am a 100 % XXXX veteran who used this service in good faith to rebuild financially. National Debt Relief failed to deliver the services promised and has caused direct harm to my credit, financial standing, and emotional well-being. I am requesting immediate investigation and resolution. 

I also disputed this account through XXXX, and despite their reinvestigation in XX/XX/year>, the balance still reflects {$1400.00}. I am attaching the outcome of that dispute, which confirms the account was closed by the creditor but does not acknowledge that the balance was resolved. This further demonstrates the need for National Debt Relief to intervene and provide proof of settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: EQUIFAX, INC.
State: DE

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
This account is not showing maximum possible accuracy according to 15 USC 1681 e ( b ), the open date is not accurate, the last activity is reporting inaccurate. The past due numbers are inaccurate reporting. The Last Activity is reporting inaccurate. Date of Last Payment is reporting inaccurate. Delete the following Accounts Immediately for violation of 15 USC 1681 e ( b ) 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 explanation
Consumer complaint received 2025-05-27 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: MI

Complaint narrative:
XXXX submitted complaints to Equifax for account that was investigated XXXX funding account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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