vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
TransUnion has not upheld the level of diligence and protection I reasonably expect as a consumer. As a result, I have been left exposed, misrepresented, and taken advantage of due to the presence of inaccurate and harmful information on my consumer 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 non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I dont know what this account is that is showing on my credit report, but it is a fraudulent account. I dont know what XXXX  XXXX  XXXX  is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: Security Credit Services, LLC
State: GA

Complaint narrative:
I dont know what this account is that is showing on my credit report, but it is a fraudulent account. I dont know what kornerstone credit card is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I was heading to XXXX XXXX store, to the money transfer center in XXXX. The department where they place the paper money to your digital wallet or online account with the company who's providing the service. I made the transaction at about XXXX pm. However, XXXX minutes later at XXXX pm the perpetrator had taken {$200.00} dollars and hacked my account and switch CASH TAGS. I called CASH APP and spoke with the consultant, and he told me that he couldn't give me any information due to the fact my information was change by the hacker. Furthermore, it took CASH APP 4 days to retrieve my account. Once my account was in my possession, I was confident of knowing CASH APP would place the funds back on my account. However, instead they had told me that the transaction was authorized. During the process, CASH APP ask me to show them every card that was connected to my account and make a video and state what happen. I did that and more. I even gave the name on the person who did it. The case was tried 5 times, and they still ended up coming with the same resolution. CASH APP has failed to give me important reasoning, on why they can't see that losing the account and having them to retrieve the account which took 4 days. Finally, it shows that I had no control over the account once that fictious act happen CASH TAG XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: T.S. Holdings
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Collection Account FDCPA Violation ( 15 U.S.C. 1692c ) Dear XXXX, I am formally disputing the validity of the following collection account that appears on my credit report. I am requesting immediate removal and investigation due to a violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, and under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Disputed Account Details : Collection Agency : IQ DATA XXXX Account Number : XXXX Original Creditor : XXXXXXXX XXXX XXXX Reported Amount : {$1500.00} Date Opened/Reported : XXXX XXXX The collector has contacted me in ways that violate 15 U.S.C. 1692c, including [ insert violation e.g., contacting me at work, calling before 8 a.m., speaking with third parties, failing to cease contact, etc. ].

As a result, this collection account is being disputed as invalid and improperly reported. I am requesting : 1. Deletion of the dispu
ted account 2. Documentation showing how the account was verified 3. A description of your investigation and the method of verification I request that this matter be resolved within 30 days as required by law. Please send all communication to my mailing address listed above. 

Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was automatically charged XXXX by XXXX XXXX XXXX on XX/XX/XXXX. The company shut down on XX/XX/XXXX. Their email is inactive, phone disconnected and website closed. I reported this and disputed this charge with my bank which is Wells Fargo. I received a letter from Wells Fargo on XX/XX/XXXX that stated that they had contacted XXXX XXXX XXXXXXXX and were deducting the payment from my account. When I called Wells Fargo to discuss this they would not tell me whoo handled this claim nor could they give me any information on the merchant. Such as a number that they called or a person that they spoke with. Now, the normal monthly charge was XXXX per month. not XXXX. Again this business stopped doing business in XXXX of XXXX. All of this is public knowledge and Wells Fargo has said that they were able to contact the company that has no way of being contacted. Wells Fargo at first tried to tell me that the dispute wasn't filed in the proper time when in fact I filed the dispute the same morning that the charge became pending which was XX/XX/XXXX. Also XXXX XXXX XXXX XXXX tax status is listed as " XXXX XXXX XXXX XXXX XXXX' as a result of a tax forfeiture or an administrative forfeiture by the XXXX  XXXXXXXX XXXX XXXXXXXX.

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 monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: NV

Complaint narrative:
Went to XXXX  at XXXX XXXX XXXX XXXX in XXXX XXXX NV for me. Date of service was XX/XX/year>. I received my first physician bill on XX/XX/year>. However on XXXX XXXX. I got a letter in mail telling me I have a medical bill in collections of the amount of {$1700.00}. 
I wasnt given enough time to resolve it before it went into collections ( less than XXXX  days ). Wasnt informed that this bill was getting sent into collections. Only time company reach out was to let me know I have remaining balance through text only. Not by mail or email either. Spoke to representative from XXXX and they were telling me that the XXXX  day countdown start at the date of service which isnt true its the date of the first bill that was sent. I feel like wasnt give enough time to solve this bill and wasnt given any notice of bill getting sent to collection was unfair

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: HI

Complaint narrative:
Writer sent email from work email address requesting the EDRP form from Veterans Affairs Health Admin on XX/XX/XXXX. Form attached. I have not received the form emailed back to me since that time, todays date is XX/XX/XXXX. 

My correspondence below : XXXX Initial email request from work email. 
XXXX follow up email. Writer had to update account number on file to verify and personal email at gmail. 
XXXX From XXXX XXXX- email back only talking about where to locate profile account number. Nothing about the EDRP form. 
XX/XX/XXXX From XXXX XXXX They couldn't locate the form as previously sent 2x. Resent form again ( 3x ) on XX/XX/XXXX. 
XXXX Ed Financial could not locate my account ( Again ). I had to resend the information again with account # and and screen shot my account information. 
XXXX From Ed Financial : " Correspondence received. Please allow 14 business days for review. 
XXXX Sent follow up email after the 14 business days XXXX Writer sent follow up email because nothing was received on personal email address, work email or on my account page. Attached the form again ( 4th time ). 
XX/XX/XXXX. Writer Called and spoke with representative. Writer informed it would be expeditated. Told to call back by Friday XX/XX/XXXX if nothing was received. 
XXXX From Ed-Financial : Writer informed updated form was sent out on XXXX.- Nothing received on personal email. Nothing located in spam or junk. NO notification email was sent informing writer it was mailed. No correspondence. 
XXXX Writer responded with my email address on file and CC- the personal email. Requested to be re-sent via the correct email. I requested to file a complaint via email. 
XXXX From Ed Financial : Writer was informed request was escalated. 
XXXX Telephoned customer service. They were not able to transfer me to the correct dept to request resending email. Writer was informed to wait another 2-3 business days. 

The form needing verification is titled : XXXX Loan Verification Form. " Education Debt Reduction Program, Education Loan Verification Form. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I was misled into applying for a credit card while shopping at XXXX. The employee made it sound like it was just a discount sign-up and pressured me into completing the application without clearly explaining it was for a credit card. I never received a full account number or confirmation email, and now I can not cancel the card because I dont have the account information. Ive called multiple numbers, including the one XXXX gave me and XXXX XXXX directly, and have been told they cant help. I simply want this account canceled and removed. I did not fully understand what I was signing up for, and I have not been able to access or use the account at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$200.00} 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, Balance : {$81.00} 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, Balance : {$7400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} 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, Balance : {$670.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$200.00} 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, Balance : {$81.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$670.00} 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, Balance : {$7400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$370.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$860.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$3800.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I am a XXXX  and was not able to sign up for installment payments. I picked up a job over the summer and have been having a hard time financially. Ive been on time and pay the balance in full up until I had this hardship : I told them this prior to any bills being due or past due but I didnt match the requirements for deferment or extension as Ive only had the loan for XXXX  months ( their rules ) I tried to use XXXX  which is an app thatll help split your bill up and declined that. I stressed to them this hardship was temporary as I start back with the XXXX  in XXXX and get XXXX paychecks in XXXX of which Ill be able to pay and catch up on my payments. Regardless everytime I try to chat with them on the virtual chat they kick me out once I ask for assistance with this issue and them taking into consideration the temporary hardship especially since I am always on time expect when I am going through a hardship. They made no exception. I tried to do promise to pay for XXXX but in XXXX I am still struggling I can pay some but cover the rest on my XXXX  paycheck. I cant even make it to where we can come to an agreement because they kid me out everytime. It feels very intentional to make it as hard as possible to solve the issue so Im making this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
This collection company has been stressing me out and has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately from mycreditreport. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days.

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX XXXX  - XXXX Additionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report.

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner.

I have contacted Equifax on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage.

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file.

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information.

I respectfully request that you assist me by removing this account immediately.

Company response to consumer: Closed with non-monetary relief