vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: AL

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

XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : 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 explanation
Consumer complaint received 2025-06-29 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: AL

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

XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : 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 2025-06-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NC

Complaint narrative:
I'm begging to have my cash app account reopened. It was closed for some reason. I have done nothing to deserve this. Unless someone else has had access and tried to do something. I really use and valued my account. I will do whatever I have to to prove my innocence and reopen my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Golden Entropy Marketing Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for the loan and was approved after providing all my personal information and I never received the loan nor heard back from the company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Acct XXXX I'm unaware of the debt and did not have the opportunity to dispute this account.If you believe you sent proper notification please provide Certified mail with receipt of my signature. If not please delete this account from my credit report immediately or I'll be forced to take legal action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
[ Your Full Name ] [ Your Address ] [ City, State ZIP Code ] [ Email Address ] [ Phone Number ] Date : [ Insert Todays Date ] XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX Phone : XXXX Re : Account Number Ending in XXXX To Whom It May Concern, I am writing in reference to the above-mentioned account, which appears on my credit report with a status of " Collection/Charge-Off '' and includes a remark stating, " Account information disputed by consumer, meets FCRA requirements. '' I would like to clarify that I am not disputing this account. Please update your records and notify all relevant credit reporting agencies to remove the dispute remark associated with this account. 

Additionally, I am requesting that you provide the following information regarding the account for my records : Date of First Delinquency Date of Last Payment Made Date of Charge-Off Please provide this information in writing at your earliest convenience. I appreciate your prompt attention to this matter. 

Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
[ Your Full Name ] [ Your Address ] [ City, State ZIP Code ] [ Email Address ] [ Phone Number ] Date : [ Insert Todays Date ] XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX Phone : XXXX Re : Account Number Ending in XXXX To Whom It May Concern, I am writing in reference to the above-mentioned account, which appears on my credit report with a status of " Collection/Charge-Off '' and includes a remark stating, " Account information disputed by consumer, meets FCRA requirements. '' I would like to clarify that I am not disputing this account. Please update your records and notify all relevant credit reporting agencies to remove the dispute remark associated with this account. 

Additionally, I am requesting that you provide the following information regarding the account for my records : Date of First Delinquency Date of Last Payment Made Date of Charge-Off Please provide this information in writing at your earliest convenience. I appreciate your prompt attention to this matter. 

Sincerely, [ Your Name ]

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 2025-06-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PR

Complaint narrative:
I would like to get this account removed from my credit report and also I would like this company to cease and desist all contact methods since the contract was broken the moment they sold the account to a third party company. This account was sold to a third party company without my consent and no payments were late nor on collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
In XX/XX/year>, XXXX XXXX  upgraded its XXXX  token from version XXXX to version XXXX. I held XXXX  tokens on Coinbase prior to the upgrade, and Coinbase had full custody of my assets at that time. XXXX XXXX stated publicly that exchanges were responsible for managing the upgrade and distributing the new tokens to users. 

Coinbase failed to notify me in a timely or prominent manner. By the time I saw the email notification, it was past the deadline to withdraw. Coinbase retained the XXXX  tokens and internally upgraded them to V2, but I was never credited with the new version or compensated for the loss. I have contacted Coinbase multiple times and have been told there is no recourse. XXXX XXXX has confirmed that exchanges had full control of customer tokens and the ability to distribute the V2 replacements. 

This situation resulted in a total loss of my XXXX  investment through no fault of my own. Im requesting CFPB assistance in resolving this loss of funds held in custodial trust by Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: StellarFinance, Inc.
State: LA

Complaint narrative:
I am contacting XXXX again considering that I didn't receive any response via Postal mail, email or phone regarding the last complaint. I am demanding the immediate correction or removal of the inaccurate and misleading information you are furnishing to the credit bureaus concerning my account. 

Your own email communications confirm that XXXX cards were paused and your banking partner ceased support, disrupting customer access and account functionality. Despite this, you are reporting derogatory late payments and inconsistent balance details to Experian, which directly contradicts your own dashboard and records. 

For example : My StellarFi dashboard reflects a limit of {$1000.00}, yet my Experian report shows different high credit and credit limit numbers No active bills are linked to my account, yet a 30-day late payment is being reported My total bills paid and balance information do not align with what is being reported This constitutes inaccurate reporting and a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) Furnishers must not report inaccurate information 15 U.S.C. 1681s-2 ( b ) Furnishers must conduct reasonable investigations and correct errors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
My cashapp account was banned and i barely made it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Subject : Request for XXXX XXXX  Account # XXXX Dear Capital One, I hope this message finds you well. I am writing regarding late payments reported on my account # XXXX for the months of XXXX and XX/XX/year>. 

These late payments occurred during a period of unexpected financial difficulty, and I regret the oversight. Since then, I have brought the account current and remained consistent with my payments. I value my relationship with Capital One and take my credit obligations seriously. 

As a goodwill gesture, I respectfully request that you consider removing the late payment notations from my credit report. I am committed to maintaining a positive credit history going forward and hope you will grant this one-time courtesy.

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: MD

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 2025-06-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TomoCredit Inc.
State: CA

Complaint narrative:
I have a complaint against a company called Tomo Credit have I tried several times to Cancel my membership online as I never used their services and they continue to charge my card on file. They reply but with an automated message its never a response from the actual customer service department. All I want is to be refund for money taken out of my account and for all services and memberships to be canceled with them. They have never contacted me directly and I have also tried to contact them over the phone and its just another automated system that goes to a voicemail that they are unable to take phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
I used zelle multiple times and it was supposed to be an instant transfer but almost all the time the money was delayed with our any reason I had to call customer service more then one to get them to look at the transaction and release it one time it took XXXX XXXX  it wasn't the banks the money was in that accounts they it was withdrawal on it was zelle that was holding the money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: FL

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX\nSSN  XXXX\nXXXX\nDateXXXX XXXX XXXX XXXX\n\n\nSubject: Formal Dispute of Inaccurate Account Reporting  XXXX  (Acct: XXXX)\nDear Equifax Dispute Department,\n\nI am writing to formally dispute inaccurate and incomplete information being reported on my credit file regarding the account listed below:\n\nCreditor Name: XXXX\nAccount Number: XXXX\nStatus: Charge-Off\nDate Opened: XXXX XXXX XXXX\nClosed: Yes\nLast Payment Date: XXXX XXXX XXXX\nReported Balance: None shown\nDate of Status Update: XXXX XXXX\nUpon reviewing my credit report dated XXXX XXXX XXXX, I have found several discrepancies in this account that violate the Fair Credit Reporting Act (FCRA), including:\n\nNo payment history is shown, making the negative status unverifiable.\nThe account reflects a charge-off without disclosing any outstanding balance or original balance, which is inaccurate and misleading.\nThere is no original creditor listed, preventing identification or validation of the debt.\nThe last payment date (XXXX XXXX XXXX) conflicts with the status update date (XXXX XXXX), which may suggest improper re-aging of the account in violation of FCRA guidelines.\nThe account is marked with a charge-off status despite XXXX monthly payments and no balance data, raising concerns of inaccurate status reporting.\nUnder the FCRA (15 U.S.C.  1681i), all items on a consumer credit report must be complete, accurate, and verifiable. As this account lacks sufficient documentation and contains conflicting or misleading information, I respectfully request that Equifax:\n\nConduct a full investigation and validation of this tradeline, OR\nDelete the account from my credit report entirely if the furnisher cannot provide complete and accurate information.\nPlease complete this investigation within the 30-day timeframe required by law. I request a written confirmation of the outcome and an updated copy of my credit report once the investigation is completed.\n\nThank you for your prompt attention to this matter.\n\nSincerely,\nXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal dispute as a fraud victim whose identity has been compromised and used without authorization. I have filed fraud and security alerts, and per the Fair Credit Reporting Act ( FCRA ), I am exercising my legal right to demand an immediate reinvestigation and deletion of all inaccurate or fraudulent personal identifying information associated with my credit report.

The following items must be deleted or corrected immediately across all three bureaus ( Experian, Equifax, and TransUnion ) : Inaccurate Personal Information to Be Removed : Addresses : XXXXXXXX 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  Names/Aliases : Any name variation other than XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal dispute as a fraud victim whose identity has been compromised and used without authorization. I have filed fraud and security alerts, and per the Fair Credit Reporting Act ( FCRA ), I am exercising my legal right to demand an immediate reinvestigation and deletion of all inaccurate or fraudulent personal identifying information associated with my credit report.

The following items must be deleted or corrected immediately across all three bureaus ( Experian, Equifax, and TransUnion ) : Inaccurate Personal Information to Be Removed : Addresses : XXXXXXXX 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  Names/Aliases : Any name variation other than 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 non-monetary relief