vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED 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 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunbit, Inc.
State: RI

Complaint narrative:
I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, XXXX U.S.C. XXXX ( b ) ) and the Fair Credit Reporting Act ( FCRA, XXXX U.S.C. XXXX et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA XXXX ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA XXXX ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA XXXX ( b ) and XXXX ( b ) as well as FDCPA XXXX ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
Take time to inspect the supplied records ; the inquiries came in suddenly and could be unverified.

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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this personal statement in support of my formal complaint against RESURGENT CAPITAL SERVICES ( the Company ) for violations of federal and state consumer protection and privacy laws. 
This complaint is being filed due to the Companys unlawful acquisition, use, and disclosure of my personal information and its engagement in deceptive and harassing debt collection practices in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and relevant state privacy and consumer protection statutes. 
On or about XX/XX/year>, I was contacted by RESURGENT CAPITAL SERVICES who claimed I owed a debt allegedly related to secured loan. 
I have never received any valid documentation verifying that the debt was owed, nor any proof that this company lawfully owns or has the right to collect on such a debt. Despite my written requests for validation under 15 U.S.C. 1692g ( b ), the Company continued to contact me repeatedly by phone, email, and mail, using language that was both misleading and coercive.

Additionally, I later discovered that the Company had obtained and used my personal identifying information including [ Social Security number, credit report, address, etc. ] without a permissible purpose as defined under 15 U.S.C. 1681b of the FCRA. This represents a serious breach of my privacy rights and a misuse of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I assert that the inaccurate late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently paid on time, and any discrepancies in this reporting are both unfair and unlawful.

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 2025-11-04 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Company didnt provide 1099c, which XXXX me to right off as income as I requested. Per 15 usc 1681i, I asked the to provide documentation to prove ownership, which wasn't provided. According to 15 usc 1692g i have the right to request proof that this debt is real and that I own this debt. This is a formal request for validation of debt pursuant to 15 U.S.C. 1692g. Please provide proof that I am legally obligated to pay this alleged debt, including the name of the original creditor, itemized accounting, and verification of your right to collect. Which ive already requested and hasn't been done. Im asking that these accounts stop being reported on my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/year>, I received a text from CITI credit card regarding a recent transaction. The text inquired about whether or not I made the transaction. I responded no. CITI credit card contacted me right away ( same day of transaction ) and I explained after reviewing my statement online that I did not make that transaction. The transaction was in pending status. They said they would take care of it and submit a fraud claim. I provided additional information and assumed that they would promptly decline the transaction.They subsequently removed the transaction from my XXXX credit card statement but XXXX statement had a reverse charge for the transaction amount. In other words, they found me liable for this transaction amount. I did not receive any notice from. CITI credit card about this transaction being reinstated to my credit card. I did not receive any information about why it was put back on my credit card. I contacted CITI credit card to inquire about why I was responsible for this transaction. They explained that they had a receipt from the vendor with my name, home and email addresses. I explained again that I did not make this transaction and that it shouldve been removed or canceled on the same day it was made when I spoke to CITI. I asked if they could send me the receipt and no response was given, but that she would resubmit the claim. I asked what the transaction was for, and she told me that it was for an event for a XXXX XXXX. I explained that I neither knew him or attended an event at XXXX XXXX XXXX. I further explained that on that day I was at my birthday party at XXXX XXXX. I felt like I wasnt heard and that Im going to be responsible for a transaction that I didnt make. This is very frustrating. I am done with CITI credit card.

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 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
LVNV Funding LLC and its servicer Resurgent Capital Services are attempting to collect an unverified credit card debt with contradictory and incomplete information. I requested lawful validation under 15 U.S.C. 1692g, including a full account history and proof of ownership from the original creditor. They responded multiple times with the same generic Account Summary and a single statement from XXXX XXXX XXXX not the stated original creditor XXXX XXXX XXXX XXXX XXXX, with no chain-of-title documentation. The records show chronological and mathematical inconsistencies, making the balance unreliable. Despite these deficiencies, they continue collection and credit reporting activity, demonstrating willful non-compliance with FDCPA 1692g and FCRA 1681s-2 ( b ). I am requesting CFPB intervention to stop further collection activity and to ensure deletion of this inaccurate tradeline in accordance with FDCPA 1692g and FCRA 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-04 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MI

Complaint narrative:
Square placed a hold on my account in XX/XX/XXXX that takes 20 % of every payment transaction I receive on top of their 3.5 % processing fees. All payments being processed are for my plumbing company. This was done without any communication. I gave them a call to discuss, they told me i could not remove this until a review was conducted on my account to ensure I have no customer disputes. They then told me the review would be done XX/XX/XXXX. I asked them when my funds would be released they told me 90 days after each transaction was done. This was a true act i have been receiving funds in the timeframe stated. However going forward until XX/XX/XXXX i gave square a call to follow up on my review process. They then tell me its not until XX/XX/XXXX ( this day falls on a Sunday when they are closed and is not the day i was originally told ). I proceed to ask them when will the full lump sum of my money be released. The response I got was once your review is completed we will then release your funds. I continue to be patient i waited until XX/XX/XXXX and gave them a call ahead of the weekend they confirmed the review date and the information about the full release being done after the review was completed. I then call again Monday XX/XX/XXXX to follow up at this time they tell me i was denied and my funds wont be released and i have to wait until another review is completed in XX/XX/XXXX. I feel this is extremely unfair unprofessional and manipulative. I then asked for a report of every thing reviewed and a statement showing supporting evidence as to why my review, release, and removal request was denied. I still have not gotten anything and they also sent a email after my phone call with them and completely ignored all of my concerns and questions but deeply elaborated on me deactivating my account. My statement on the phone was once this is resolved and all of my funds are released i will be deactivating my account because this is terrible. I also informed them through email my concerns again and that i would be reporting them. They are holding about {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: SC

Complaint narrative:
Name : XXXX XXXX XXXX & Dates : XX/XX/year> My Cash App account was suspended without warning. 
I contacted Cash App support multiple times through the in-app system to understand the reason. 
Cash App eventually issued a final determination, but the explanation was extremely vague and did not identify a specific reason or category for the suspension. 

Amount involved : My balance of {$21.00} was returned. This is not a dispute about funds. 

Actions Taken by Cash App : Suspended my account with no advance notice Returned my {$21.00} Provided a final determination, but it lacked meaningful detail Did not identify the nature or category of the alleged violation Did not clarify whether this was an automated fraud flag, compliance/AML review XXXX mistaken identity match, or a risk-scoring error Issue : Cash App provided only a generic explanation stating I violated terms without specifying how, what category of issue triggered the closure, or whether this decision affects my consumer record. 

I followed all program rules and did not engage in any unauthorized or fraudulent activity. 

Requested Resolution : I am requesting that Cash App/Block provide : 1. Confirmation of the specific category of reason for my suspension ( e.g., compliance/AML flag , automated risk score, identity-match false positive, etc. ) 2. Confirmation that no negative consumer report, risk flag, or banking network entry was created regarding me ( XXXX XXXXXXXX XXXX XXXX, etc. ) 3. Written confirmation that my personal information is not being held or internally flagged in a manner that would impact my ability to access future financial services I am not requesting proprietary fraud-prevention details. I am simply asking for lawful transparency regarding the nature of the closure and whether my consumer record is impacted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/year>, I received an email notification about a loan that was processed in my name with a merchant called Affirm, in the amount of {$1000.00}. Each month Affirm began to debit {$88.00} from my checking account. I called my bank to report the fraud and dispute the debit transactions as they were fraudulent and not authorized by me. As a result of filing the dispute, the banks investigation proved that I was " not '' responsible for the loan account and I was refunded my money. 
Since this incident occurred, Affirm has reported to all XXXX credit bureaus and it has negatively impacted my credit file. I have made attempts to contact Affirm and the credit bureaus to have the loan removed from my report but the credit bureaus will not delete it. Even after the bank has concluded their investigation it doesn't belong to me. I can only assume that someone obtained my personal information or my identity was stolen in order to successfully open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 2025-11-04 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I was renting a room at XXXX XXXX XXXX XXXX XXXXXXXX and went to court for eviction but was awarded a stipulation that stated I would move out before a certain date and there was no eviction ordered because I did what the stipulation ordered and no money was awared for the plaintiff. It is an official order by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly damaged my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries persist. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly indicates possible identity theft. This unresolved issue is causing ongoing emotional and financial harm.

Company response to consumer: Closed with explanation