vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 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: NY

Complaint narrative:
I am writing to dispute inaccurate information related to a vehicle repossession on my credit report I am requesting an investigation into there following accounts pursuant to the Fair Credit Reporting Act ( FCRA ). Please investigate the following accounts DATE OPENEN : XX/XX/XXXX BALANCE : {$10000.00} DATE UPDATED : 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 non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/year> I bought a new car. On XX/XX/year> I asked someone that I have known for three years to connect my XXXXXXXX XXXX XXXX through Bluetooth to my new car because I am not good with technology. I am XXXX XXXX XXXX. Unknown to me while he was doing this he got into my cash app and transferred {$6200.00} from my savings on Cash app into my Cash app account balance and then he sent the full amount that was in my cash app account which is {$6800.00} to someone by the name of XXXX XXXX. As soon as I found out what had happened, I went to the police station. While I was there, the police officer took a screenshot of the transaction that was sent to XXXX XXXX. After she took the screenshot, the cash app tag was changed from XXXX XXXX to just the initialsCT and the officer took a screenshot of the change. I filed a police report. ( Case number XXXX, XXXX XXXX SC Sheriffs Department, Financial Crimes Unit, Investigator XXXX XXXX XXXX ) and an investigation was done, and it was determined that three people were involved in this fraudulent transaction. A warrant have been issued for all three in this matter. I filed a dispute with cash app and they denied the claim because they said I authorized the transaction by allowing the person to use my phone. I asked to escalate to a supervisor and they did so. It has been denied again because I had authorized usage to my cash app when I allowed the guy to use my phone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
Kraken has closed my account and I am unable to access my transaction history or recover my funds. On XX/XX/year>, Kraken initiated an ACH withdrawal of {$11000.00} to my XXXXXXXX XXXX account ( Reference ID : XXXX ) at XXXXXXXX XXXX. XXXX XXXX has no record of the deposit, so I requested Kraken to provide an ACH trace number and confirm whether the ACH transfer was received, rejected, or returned by XXXX. 

Because my Kraken account is closed, I can not obtain this information through the normal login portal. Kraken is required to return my funds but has not provided the trace number or the status of the missing ACH withdrawal. 

I am requesting regulatory assistance in obtaining : The ACH trace number for the withdrawal. 

Confirmation of whether the funds were returned to Kraken. 

Immediate release or re-issuance of my funds by wire, ACH, or check. 

I am fully willing to complete identity verification if required. 
Details of the withdrawal : Amount : {$11000.00} Type : ACH bank withdrawal Status : Completed Date/Time : XX/XX/year> at XXXX XXXX  Destination Bank : XXXX XXXX XXXXXXXX XXXX XXXX Transaction ID : XXXX Thank you. 
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 2025-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Mcm filed a small claim court against me and had a third party come to serve me papers. 
This is for credit card debt for XXXX XXXX 
Representative introduced himself as a court employee when in fact he is employed by abclegal and said he has legal papers for me. I told him that I was recording our conversation and kept insisting on him verifying on who is he working for. He admitted that he is not employed by the court but abclegal. In Texas that is illegal and he broke the law. Penal code -32.51. 

Once I told him that what he did was illegal and that I will play this recording to the judge he immediately left my property without serving me papers. Lawsuit is still pending but I have not been served. 

Notice of Misrepresentation by XXXX XXXX ( Your Agent/Server ) On a recent attempt to serve papers in connection with the above case, an individual identified as a representative of XXXX XXXX XXXX Falsely stated that they were employed by the court, Attempted to serve papers under false pretenses, Left with the documents after being advised of the misrepresentation, Did not complete service, resulting in improper and invalid service. 

This conduct constitutes serious violations under Texas law, including but not limited to : Texas Penal Code Violations 37.10 Tampering With Government Record ( false statements relating to court authority ) 32.51 Fraudulent Use or Possession of Identifying Information 32.46 Securing Execution of a Document by Deception Such misrepresentation also violates Texas Rules of Civil Procedure governing proper service and lawful identification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Central Holdings, LLC
State: TN

Complaint narrative:
I have received two calls from this company ( Credit Central XXXX ) directly and explained that I am not the person they are looking for. They have also called my husband who explained that I am not the person they are looking for and have now left a message for my brother in law. 

I need these people to stop calling my family members. I have zero debt and have not gone by that name in 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: AZ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-12-07 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Disputing XXXX XXXX XXXX ; Acct # XXXX, XXXX XXXX XXXX ; Acct # XXXX and Midland Credit Management XXXX Acct # XXXX collections on my credit files ( XXXX, XXXX XXXX and XXXX  XXXX. 

Its inaccurate and unverifiable. Fair Credit Reporting Act ( FCRA ) 15.U.S.C 1681 requesting ALL to be removed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: Primary Financial Services L.L.C.
State: TX

Complaint narrative:
I recently checked my credit reports and noticed some inaccurate accounts reporting.! 

XXXX XXXX # XXXX Date opened, date of last activity and high balance is inaccurate XXXX XXXX # XXXX Date opened, date of last payment and last reported is inaccurate. 

XXXX XXXX : XXXX High credit, date of last activity and date of last payment is in accurate! 

XXXX XXXX # XXXX Date opened, Credit limit, Last reported, and date of last activity is not accurate!!

Company response to consumer: Untimely response
Consumer complaint received 2025-12-07 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent

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 2025-12-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XX/XX/year> Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : IMMEDIATE CEASE AND DESIST DEMAND - [ ] Jefferson Capital Systems LLC This letter serves as your final and only warning. Your ongoing actionsspecifically [ describe the conduct clearly and directly ] are unacceptable, unlawful, and directly damaging to my rights and interests as the owner. 

Let me be absolutely clear : I will not tolerate this behavior for another moment. 

Your actions have already caused significant harm, including : credit score dropping, as well as anxiety and depression You are hereby ordered to IMMEDIATELY CEASE AND DESIST from all such conduct. Failure to comply will force me to take swift and aggressive legal action without any further notice. This includes, but is not limited to : Filing formal legal claims Seeking full financial damages Requesting injunctive relief to compel your compliance Pursuing recovery of attorneys fees and related costs You have 10 days from the date of this letter to confirm in writing that you have stopped and will not resume these actions. If I do not receive your written confirmation within this timeframe, I will proceed accordingly. 

This letter is written without prejudice, and I reserve every legal right available to me. 
Govern yourself accordingly. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I joined a XXXX XXXX called XXXX for XXXX. The admin XXXX XXXX was assisting with the dog adoption. Now I know its a scam. 

He asked me to send him {$950.00} for Rehoming fee and transportation. I sent the funds via XXXX. After I realized it was a scam I contacted my bank, TD Bank, and was told they couldnt fill a dispute or stop it since its pending. However, its the only chance to get the funds retrieved if its pending. Why wait till the transfer posted? The money will be gone. 

The email address I was given for XXXX transfer is XXXX, name XXXX XXXX XXXX. But the phone number for the XXXX XXXX XXXX XXXX is ( XXXX ) XXXX, email is XXXX. There is an address associated with these scammers : XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

XXXX should be able to freeze the bank account associated with XXXX email address but I was told to contact my bank, who wouldnt be able to do anything until the money is gone. 

I sent the payment on Saturday, its still showing pending now. If the bank wanted to do anything, they could have stopped the transfer. But they didnt seem care at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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 reviewed my consumer Report and notice that had XXXX late payments on an account that i was never late for consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX ( XXXX ) Please investigate and provide proof with statements showing that these payments were late it proof can't be provided I demand these payments be updated to on time as they should be as i was Never late. Thanks.

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 2025-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX, no action has been taken by company besides disconnection.

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 2025-12-07 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: AL

Complaint narrative:
I am submitting this complaint because TransUnions online dispute system repeatedly failed when I tried to upload my FTC Identity Theft Report, supporting documents, and written dispute letter. The portal would not accept the uploads, and after multiple attempts the entire submission generated an error and could not be completed. Because I was unable to file my dispute directly through TransUnions system, I am submitting this through the CFPB. 

Over the years, my personal information has been exposed in multiple ways. I previously lived with other adults and also went through a difficult divorce, so I can not pinpoint when my information may have first been compromised. My bank account was hacked at one point, and Ive since learned through identity monitoring alerts that my data appeared in several smaller, lesser-known breaches circulating on the dark web. In addition, major breaches such aXXXX XXXX XXXX  and XXXX XXXX XXXX confirmed that my SSN, date of birth, email credentials, passwords, and other sensitive information had been exposed. Because of these repeated incidents, it is clear that many of the items appearing on my TransUnion file are the result of ongoing misuse of my personal information rather than accounts I actually opened or authorized. 

There are several accounts, inquiries, and personal-information entries on my TransUnion credit report that resulted from identity theft, unauthorized access, or file contamination. These items are documented in the attached FTC Identity Theft Report and dispute letter. Continuing to report data that can not be verified violates FCRA 605B ( identity theft blocking ), 1681e ( b ) ( accuracy ), and 1681i ( reasonable reinvestigation ).

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 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Via Certified Mail & Online Dispute Re : Dispute of Inaccurate Hunter Warfield Collection Account # XXXX Demand for Immediate Deletion under 15 U.S.C. 1681i and 1681e ( b ) To Whom It May Concern : I am writing to dispute the completeness and accuracy of the above-referenced Hunter Warfield account appearing on my credit file. This account is inaccurate and violates multiple provisions of the FCRA and the Metro 2 Credit Reporting Resource Guide for the following reasons : 1. Missing Date of First Delinquency ( DOFD ) The account fails to report a Date of First Delinquency as required by 15 U.S.C. 1681c and the Metro 2 standard. Without a valid DOFD, the account can not be accurately aged and must be deleted.

2. Improper Delinquency Progression ( Metro 2 Violation ) The furnisher is reporting the account as XXXX days past due ( or seriously past due ) without ever reporting the required sequential XXXX day delinquency codes in prior months. This violates the Metro 2 format specifications and renders the reporting patently inaccurate under 15 U.S.C. 1681e ( b ). See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Failure to Conduct a Reasonable Investigation ( 1681s-2 ( b ) ) Upon information and belief, XXXX XXXX has never conducted a reasonable investigation and continues to verify this information through the automated e-OSCAR system without correcting the above violations. 
Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if you can not verify the accuracy and completeness of this information within 30 days, you must promptly delete the account from my file. Partial or updated reporting is not sufficient when the account is materially misleading. 
Also invoke your right under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) that this dispute is not frivolous because it is based on objective Metro 2 and FCRA violations. 
Please send me written confirmation of the deletion and updated copies of my credit report from all three bureaus.

Company response to consumer: Closed with explanation