vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: ME

Complaint narrative:
I have had cash app for XXXX or 4 years now, well in the beginning I had read that when I sign up for cash app and refer a friend I would receive my {$10.00} refer a friend program well I had boyfriend get cash app because he was needing a debit card, so he got cash app but i never received anything so I started being lierry. Well I had started using cash app quite a bit then one day my balance was a little over a XXXX  and the next morning the XXXX  XXXX  and few cents was just gone but not a single place said they had took my XXXX  from me so as time went on it never showed at all but everyday cash app took a XXXX  from me .So I quite using cash app for awhile because I can not afford a XXXX  a day for cash app nor was I ever told that cash app was a XXXX  a day.So boyfriend never really used his cash app until recently. Now they are charging him a XXXX  a day. Why is this happening? It's been XXXX that either my self or boyfriends uses cash app, but something is not right at all a XXXX  a day then it won't even say they took the XXXX  So why is this? Thus can't be right that cash app is so XXXX  expensive a XXXX  a day add up by the end of year .My family struggles everyday as it is but for someone to steal from anyone is wrong Please help me get ro bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: SOP Pioneer Partners LP
State: SC

Complaint narrative:
Pioneer Lending- Account lists charge-offs or delinquencies without current validation or evidence of continued liability. Please provide original signed contracts and payment histories or remove immediately per FCRA 611 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-03 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-03 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block 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. This fraudulent, inaccurate, and false information consists of a personal XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Date Opened XXXX These accounts have resulted in several fraudulent collections appearing on my consumer credit report. I've attached a list of the accounts in question as well as a copy of the consumer credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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 contacting you regarding an unauthorized account listed on my credit report. I did not open or acknowledge this account. Attached are documents substantiating my position. Kindly review and delete this erroneous entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I am filing this formal complaint against FORD MOTOR CREDIT COMP for violating the Fair Credit Reporting Act ( FCRA ) regarding inaccurate reporting on my auto account. I previously disputed this information on XX/XX/year>, and the furnisher failed to provide any verification, documentation, or correction within the required 30-day period. This is a direct violation of 15 U.S.C. 1681s-2 ( b ), which mandates a reasonable investigation and the correction or deletion of inaccurate or unverifiable information once a dispute is received.

FORD MOTOR CREDIT COMP has not provided any proof supporting the accuracy of the data they continue to report. Their failure to investigate, verify, or respond properly constitutes willful noncompliance with federal law. I am demanding that the CFPB compel the furnisher to immediately delete all inaccurate and unverified information associated with this account from all credit bureaus.

Their continued negligence is causing ongoing harm to my credit standing, and I request immediate regulatory intervention and enforcement action. FORD MOTOR CREDIT COMP XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue.

Account Details : 1. XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
SUNRISE CREDIT SERVICES GROUP XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Debt Validation Request Dear SUNRISE CREDIT SERVICES GROUP, I am writing in response to a notice I received on XX/XX/year>, regarding an alleged debt with a stated balance of {$2500.00}. Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accurascy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

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 2025-12-03 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: SC

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accurascy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

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 2025-12-03 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: PA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} Date Opened : XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX Balance Owed : {$66.00} Date Opened : XX/XX/XXXX, XXXXXXXX XXXX XXXX Balance Owed : {$430.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} Date Opened : XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3800.00} Date Opened : XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$8700.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$930.00} Original Creditor XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$730.00} Original Creditor XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$710.00} Original Creditor XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} Original Creditor XXXX XXXX Date Opened:XXXX XXXXXXXX XXXXXXXX XXXX  Balance Owed : {$0.00} Original Creditor XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-12-03 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: GA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-12-03 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: PA

Complaint narrative:
No third-party company is involved so please dont respond with a stall letter or a generic reply.

This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law.

I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
Fraudulent Accounts : 1. XXXX Account Number : XXXX 2. XXXX  XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: SC

Complaint narrative:
XXXX XXXX Account XXXX account lists a charge-off or delinquency without current validation or evidence of continued liability. Please provide original signed contracts and payment histories or remove immediately per FCRA 611 ( a ) ( 1 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had an account with bank of America that when closed they sent a check for the balance to an address that I haven't lived in for a few years.this happened around XX/XX/year>. A source told me that the check might have been cashed illegally. I have proof that Iwasnt living there and also I wasn't available to cash it. I would like for bank of America to issue me another check and also to give me any information about who cashed the check so if possible I can press charges .. thank you

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 2025-12-03 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: TX

Complaint narrative:
I am contacting you regarding an unauthorized account listed on my credit report. I did not open or acknowledge this account. Attached are documents substantiating my position. Kindly review and delete this erroneous entry.

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