vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ShoulderTap Technologies, Inc. d/b/a Fizz
State: TX

Complaint narrative:
Company to File Against : ShoulderTap Technologies , Inc. d/b/a Fizz ( Also consider filing an identical complaint against XXXX XXXX XXXX. , the card issuer ).

Product : Credit Card ( or Prepaid Card, based on your specific Fizz account ) Issue : Problem with a purchase or transaction ( Sub-issues : Goods or services not received as agreed, and Incorrect or unnecessary fees ).

Narrative : I am filing this formal complaint because my card issuer, Fizz ( operated by ShoulderTap Technologies , Inc. and issued through XXXXXXXX XXXX XXXX ), has failed to investigate and resolve a legitimate billing dispute involving the merchant XXXX XXXX. Fizz 's refusal to investigate constitutes a violation of my rights under the Fair Credit Billing Act ( FCBA ).

1. Disputed Charges and Total Remaining Amount : I am disputing charges totaling {$100.00} ( after a partial refund was provided ) : Charge 1 ( Undelivered Merchandise ) : {$47.00} ( Date of Transaction : [ Date of {$47.00} Charge ] ). This charge was for merchandise from XXXX XXXX that was never delivered. I have documentation confirming non-delivery. 

Charges 2 & 3 ( Unauthorized Recurring Fees ) : Two charges of {$29.00} each ( Dates of Transactions : [ Date of XXXX remaining {$29.00} Charge ] and [ Date of XXXX remaining {$29.00} Charge ] ). These charges are for an unauthorized recurring VIP subscription fee. A third, identical {$29.00} fee was refunded by Fizz on XX/XX/year>, but the XXXX charges noted above remain unresolved. 

XXXX. Fizz 's Failure to Investigate : I initiated a dispute with Fizz on XX/XX/year>, requesting an investigation into these billing errors. 

Fizz explicitly denied the claim and refused to investigate, stating the issue " isnt the type of error that were able to cover, '' and advising me to " follow up with them [ the merchant ] for the other months that you were charged. '' They also stated : " Sorry, we do not cover this kind of dispute claim. '' By denying this dispute and refusing to investigate the claims of non-delivery and unauthorized recurring fees, Fizz is violating its obligations as a card issuer under the FCBA to investigate billing errors. 

Item, Amount, Status Undelivered Merchandise, {$47.00}, Disputed ( XXXX XXXX XXXX  ) Unauthorized VIP Fee XXXX, {$29.00}, Disputed ( Fizz refused to refund ) Unauthorized VIP Fee XXXX, {$29.00}, Disputed ( Fizz refused to refund ) Unauthorized VIP Fee XXXX, {$29.00}, '' Refunded ( Fizz confirmed refund on XX/XX/year> ) '' Total Remaining Disputed, {$100.00}, ( XXXX + XXXX + XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Report shows : Charge-off, repossession, and past-due balance of {$10000.00}.

Reason for dispute : Information is inaccurate, incomplete, and requires verification or removal. 
XXXX XXXX XXXX Credit Card Report shows : Paid, closed with {$560.00} written off ( charge-off ). 
Reason for dispute : Reporting appears inconsistent and unverifiable. Please reinvestigate. 
XXXX XXXX Unsecured ( Account # JVCBXXXX ) Report shows : Charge-off with {$170.00} past due. 
Reason for dispute : Balance, dates, and reporting history are inconsistent. Please verify or delete. 
XXXX XXXX Unsecured ( Account # XXXX ) Report shows : Paid in settlement with {$67.00} written off. 
Reason for dispute : Account status and charge-off history appear inaccurate. 
XXXX XXXX XXXX Report shows a {$18000.00} collection. 
Reason for dispute : No validation of debt has been provided ; information XXXX be inaccurate or incomplete. 

These inquiries were not authorized or were inaccurately reported : XXXX XXXX NA XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> Reason for dispute : These inquiries were not authorized, and I request verification of permissibility under FCRA 604. If no written authorization exists, they must be removed. 

XXXX XXXX XXXX Report shows a {$640.00} collection.

Reason for dispute : Debt is unverified, and the information is inaccurate or incomplete.

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 2025-11-30 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:
The following accounts have been disputed several times with this consumer reporting agency. And they are still continuously violating my rights as a federally protect the consumer. The following accounts have been proven to be inaccurate and non-verifiable. After submitting several documents of proof, proving the accuracy and unverifiable accounts, this consumer has failed to produce adequate and sufficient proof of a proper investigation. They claim that these accounts have been verified as accurate yet they have never shown me the method in which they choose to verify these accounts per, 15 U.S. Code 1681d - Disclosure of investigative consumer reports but I have proven to them that the other accounts are not accurate and our unverifiable. Per 15 U.S.C. 1681i the account must be deleted removed reversed and revoked Details of the Account in Question : Creditor/Collection Agency Name : XXXX XXXX XXXX  Account Number ( Last 4 digits ) : XXXX Date Opened : XX/XX/XXXX Date of Original Deletion : XX/XX/XXXX Approximate Date of Reinsertion : XX/XX/XXXX Under FCRA Section 611 ( a ) ( 5 ) ( B ), I must be notified within five business days if a previously deleted item is reinserted into my credit file. I did not receive such notification. Account name XXXX XXXXXXXX BANK Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card Late payments XX/XX/XXXX Delete this entire account which is my right under 15 USC 6802.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
XX/XX/scrub> 2018 {$400.00} Company have stated on credit bureaus that this account is 100 % paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am disputing a XXXX XXXX collection account that is appearing on my credit report. XXXX XXXX has not provided any original documentation to verify the debt, such as a lease agreement, itemized charges, accounting statements, notices, or proof of assignment. 

I have asked the credit bureaus and the furnisher multiple times for verification under FCRA 623 ( a ) ( 3 ) and 809 of the FDCPA, but XXXX XXXX continues to verify the account without providing proof. They have not shown that I owe the amount they are reporting or that they have the legal right to collect or report it. 

The credit bureaus marked the account as verified based only on XXXX XXXX word, not on any actual documentation. This is harming my ability to qualify for a mortgage and does not comply with federal law. 

I am requesting a proper verification or deletion. 
Failure to provide validation required under FCRA & FDCPA No contract, no lease, no itemized ledger, no proof of debt Reporting amounts that can not be substantiated Bureaus verifying without documentation Furnisher failing to conduct a reasonable investigation Ongoing financial harm due to inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: NJ

Complaint narrative:
I am disputing a XXXX XXXX collection account that is appearing on my credit report. XXXX XXXX has not provided any original documentation to verify the debt, such as a lease agreement, itemized charges, accounting statements, notices, or proof of assignment. 

I have asked the credit bureaus and the furnisher multiple times for verification under FCRA 623 ( a ) ( 3 ) and 809 of the FDCPA, but XXXX XXXX continues to verify the account without providing proof. They have not shown that I owe the amount they are reporting or that they have the legal right to collect or report it. 

The credit bureaus marked the account as verified based only on XXXX XXXX word, not on any actual documentation. This is harming my ability to qualify for a mortgage and does not comply with federal law. 

I am requesting a proper verification or deletion. 
Failure to provide validation required under FCRA & FDCPA No contract, no lease, no itemized ledger, no proof of debt Reporting amounts that can not be substantiated Bureaus verifying without documentation Furnisher failing to conduct a reasonable investigation Ongoing financial harm due to inaccurate reporting

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 2025-11-30 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:
Unauthorized Inquiries FCRA XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX I am disputing the following unauthorized Inquiries there was no permissible purpose under FCRA 604 ( a ) ( 3 ) : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  Auto Sales XX/XX/year> XXXX XXXX XXXX CO XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> Please provide : 1 . The permissible purpose the company claimed 2. A copy of any authorization you relied on 3. The name of the individual who verified the inquiry 4. The method and date of verification.

If you can not verify a permissible, purpose the inquiries must be deleted under 611 ( a ) ( 5 ).

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 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request an investigation into three inaccurate and unauthorized items that appear on my credit report. These items do not belong to me and are negatively affecting my credit standing. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be investigated and removed as soon as possible. 
The inaccurate items are listed as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have contacted the credit bureaus and/or the original creditors regarding these inaccuracies, and I am requesting your assistance to ensure that a proper investigation is conducted. I believe these accounts are either the result of an error or fraudulent activity. 
Please confirm receipt of this request and notify me of the results of your investigation in writing. Enclosed are copies of my identification and any supporting documents related to this dispute. 
Thank you for your prompt attention to this matter. I appreciate your assistance in ensuring that my credit file is accurate and up to date.

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 2025-11-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Southwest credit systems LP opened XX/XX/year> Fraudulent account opened using my credit. According to the FCRA section 605B you are required to remove fraudulent accounts that I did not open and/or collections tied to fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I'm writing to you to complete a complaint about this collection on my credit report. I am only XXXX XXXX XXXX and i have never had anything on my credit report. this medical caregiver. collection is from XXXX XXXX XXXX where i did not go to. i went to the emergency room last year where i did not have insurance and where i was under the care of my caregiver at the time. this is a HUGE HIPPA VOLATION AND A VIOLATION OF MY PERSONAL INFORMATION. THIS IS NOT MINE AND I NEED THIS RESOLVED. WAKEFIELD FINANCIAL HAS NO AUTHORITY OR AUTHIRIZATION TO SHARE OR USE ANY PERSONAL INFORMATION. THE COLLECTION AND SUBSEQUENT REPORTING OF THIS DEBT VIOLATE BOTH MY PRIVACY RIGHTS UNDER THE HEALTH INSURANCE PORTABILITY ACCOUNTABILITY ACT. THIS IS ASO IN VIOLATION OF THE FCRA 623 A1A, FCRA 604 G2 AND REGULATION V. THIS IS AN UNAUTHORIZED RELEASE OF MY PHI.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A settlement agreement was reached for the payment of {$4500.00} to satisfy the outstanding balance. Pursuant to the executed court order, the settlement amount was paid in full, and the creditor agreed to have the account sealed and removed from my record. I have attached the signed sealing order issued by the presiding judge in this matter. Under the terms of the lawful agreementand in accordance with the Fair Credit Reporting Act ( FCRA ), including but not limited to Sections 602 ( A ) and 607 ( b ), which require accuracy, completeness, and proper updating of consumer informationthe court-ordered sealing mandates that this account be removed from all third-party credit reporting agencies, including but not limited to XXXX  and Experian. This furnishing of information is now inaccurate and in violation of the FCRA, as the account is legally sealed and should no longer appear on my consumer credit report.

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 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
t was under debt consolidation so they said they where not allowed to discuss with me, the consolidation firms have been deducting funds twice a moth from SSA and all of my government pension for payments. National Debt is the company they took on one debt that they said I couldn't keep despite their own lawyers telling them they would not negotiate. Represented me in court to get me judgments with no arrangements. XXXX refused to discuss because they said they were under them I have copies of payments and some recorded messages. Now I am in 10 times more debt due to no payment when they where getting paid therefore this should be a third party suit,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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:
Subject : Request for Reinvestigation Under FCRA 611- Incomplete/Inaccurate Data Reporting To : Experian XXXX XXXX XXXX XXXX, TX XXXX I am disputing the accuracy and completeness for the 5th time. The information you are reporting under FCRA 602 and 607 ( b ), which require maximum possible accuracy, and 611, which gives me the right to a proper reinvestigation. The accounts listed below contain multiple inaccuracies that violate Metro 2 reporting standards and can not be verified as currently furnished : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issues Identified Inconsistent reporting between bureaus, Improper status coding, Wrong DOFD, Reporting balance on fraudulent closed account, Incorrect dates, inaccurate late payments. 

Because you are reporting information that does not meet the requirement of maximum possible accuracy, you must delete the account, and delete inaccurate late payments update accounts to paid as agreed if the furnisher can not provide complete and verifiable data as required under 611 ( a ) ( 5 ).

Please complete your reinvestigation and provide : 1. The Method of verification ( 611 ( a ) ( 6 ) ( B ) ( iii ) 2. The furnishers name, contact, and date/time of verification.

3. Updated results of reinvestigation Failure to correct or delete inaccurate information will constitute willful non compliance under 616.

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 2025-11-30 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: Kriya Capital, LLC
State: FL

Complaint narrative:
I am currently employed with XXXX XXXX XXXX XXXX and assigned to the United States XXXX in XXXX, where I have served continuously for the past XXXX years. Due to the nature of my work in a high-security environment, I undergo regular Top Secret / XXXX XXXX XXXX ) polygraph and background investigations with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


During my most recent investigation, I was alerted to multiple unauthorized hard inquiries, delinquent accounts, fraudulent collections, and unknown debts appearing on my credit reportitems that I did not apply for, authorize, or sign for at any time. These entries were placed on my file without my knowledge or consent, and they are now jeopardizing the integrity of my XXXX clearance XXXX my position, and my ability to continue supporting XXXX XXXX  XXXX. 


Because I work in a war-zone environment and have only been home four times in the last five years, I do not routinely monitor my credit report. I am XXXX for extended periods and have extremely limited access to personal financial systems. This makes me especially vulnerable to identity theft and unauthorized financial activity. 


To further protect my information, I recently issued an updated Power of Attorney to my father and XXXX, who reside in XXXX, Florida, to help manage my affairs while I remain XXXX. 


I am formally disputing and contesting ALL unauthorized inquiries, accounts, debts, collections, and late-payment notations that do not belong to me. These items were fraudulently created and are causing direct harm to my federal clearance standing, my employment, and my reputation. I request immediate remediation, investigation, and removal of every fraudulent entry across all credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CFPB COMPLAINT PACKAGE Complainant : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TX Email : XXXX Phone : XXXX To the Consumer Financial Protection Bureau, I am filing this formal complaint requesting immediate investigation into multiple issues with my credit reports across Experian, Equifax, and TransUnion. I am a documented victim of a violent crime in Texas, and my credit file contains several unauthorized hard inquiries, incorrect personal information, and reporting errors that are creating hardship and safety concerns for me and my family. 
I request the following : 1. Removal of all unauthorized hard inquiries from XXXX. 
2. Correction of any inaccurate addresses or personal information. 
3. Investigation and deletion of any accounts not initiated or approved by me. 
4. Protection of my consumer rights under FCRA, FDCPA, and identitytheft laws.

Credit bureaus have failed to correct these issues despite prior attempts. I fear for my safety and wellbeing as these inaccuracies affect my financial stability while I remain a victim of crime. 
Please take immediate action and compel the bureaus to correct and update my reports. 
Sincerely, 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 2025-11-30 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: OR

Complaint narrative:
Well my Cash App account was closed and they wouldn't explain to me why, and they don't provide any help or feedback. I used the Cash App to send and recieve money from my friends and family, but once asked they to cancel a transaction and after that my account was closed with no explanation, and no help getting it opened again, seems like discrimination.

Company response to consumer: Closed with explanation