vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Subject : Formal Request for Proof of Debt Ownership and Immediate Cease of Wage Garnishment and Communications Case ID : XXXX XXXX XXXX To Whom It May Concern, I am writing regarding the above-referenced matter involving One Main Financial Group, XXXX and XXXX, XXXX XXXX XXXX. Please be advised that I am formally requesting the following documentation : A copy of the IRS Form XXXX associated with any alleged debt cancellation. 
Legal proof of ownership of the alleged debt and evidence that One Main Financial Group, XXXX, or any third-party collector, is the lawful owner and has the right to collect on this debt. 

Please note that I have received documents containing another clients personal information and have concerns about possible alterations. Furthermore, my response dated XX/XX/year> was acknowledged as received on XX/XX/year>, which was within the XXXX timeframe specified by XXXX XXXX XXXX 

I formally request the following : Immediate cessation of all wage garnishment and prompt return of any amounts already withheld. 

Discontinuation of all communications and attempts to collect this alleged debt, including mail, in-person contact, phone calls, text messages, and emails, as such actions may constitute harassment and intimidation.

Please be advised that failure to provide the requested documentation and to comply with this cease and dismiss request may result in further legal action. 

Kindly acknowledge receipt of this request and provide the necessary documentation at your earliest convenience. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OH

Complaint narrative:
I was using my cash app for quite some time for business purposes buying Bitcoin selling Bitcoin transferring money things you're supposed to do with the bank. Apparently somebody at Cash app didn't like it so they decided to close my account I can not access it I can not open a new account I can not do anything with cash app. Since when is doing regular banking against cash app regulations? Cash app will not even comment on it just that it's closed sorry we can't help you. It was convenient to use what's the issue?? Why not even address it? You just shut it down and move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 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 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 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 2025-10-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: NY

Complaint narrative:
I am filing this complaint because XXXX XXXX has failed to unlock my government benefits card for three months. 

Cardholder Name : XXXX XXXX Card Number Ends : The card was locked and I was instructed by customer service to send a copy of my ID for verification. 

The issue is a repeated failure of service : I have submitted my ID multiple times over the past three months. 

Each time I contact XXXX XXXX customer service, they state they can not complete the verification and simply instruct me to " send the ID again. '' I have been unable to access my funds for an extended period due to this ongoing internal process failure. 

I require the CFPB to intervene and mandate XXXX XXXX to immediately escalate the manual review of my attached ID and unlock my prepaid card so I can access my federal benefits. I have also filed a formal escalation with the U.S. Treasury.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 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 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
I am a victim of fraud, I never did any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from TransUnion. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over two weeks, and I have received no response or resolution from the bureau.

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 2025-10-03 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: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-03 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: MD

Complaint narrative:
Equifax is reporting accounts on my credit file that are inaccurate, unverifiable, and reporting without permissible purpose. There are inconsistencies across credit bureaus and various Metro 2 reporting violations. The reporting of this false information is a violation of my rights under the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to maintain only accurate and verifiable information. Please see attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS 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 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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Viva Finance Inc.
State: GA

Complaint narrative:
I am writing to dispute a late payment that appears on my credit report related to my account with Viva Finance XXXX On [ Insert Original Payment Date ], I initiated a payment to ensure my account remained in good standing. That payment was later removed by the company. Once I was made aware of this, I immediately made the payment again to prevent it from being late. 

The company confirmed that the payment was received and that my account was not considered late. However, due to a delay in their system update, the payment was still reported as late to the credit bureaus. 

This late payment does not accurately reflect my payment behavior or intent, as I took immediate action to resolve the issue and ensure timely payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/year> I transferred XXXX dollars to my newly opened chase account from a XXXX XXXX account. It showed up into the chase account a few days later, then was flagged as fraud and my account was closed and that money was taken out. I called chase customer service to get it resolved and they opened my account back up and told me I would get a direct deposit in a few days. It never showed up so I called again and they said it would now be coming in a check form. Three weeks go by and I still had not received any check or direct deposit so I called again. They tell me the check was delayed and to keep waiting. I then went back into the branch and again they told me to just keep waiting and gave no help at all. I waited two more weeks and it never showed up. I then called AGAIN and they told me to go into the branch. I went into the branch again and they called the customer service line for me and once again it showed up as fraud and they would have to verify my identity, they then would send a direct deposit. I have waited over two months for this money to be back in my account and all I have gotten is horribly rude customer service reps and no movement on how to resolve this major issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaff
iliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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 reaso
nable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-03 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-10-03 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: AL

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-03 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: FL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-03 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: FL

Complaint narrative:
I am filing this complaint because XXXX XXXX, XXXX has added a collection account to my credit reports with TransUnion and Experian that is false, inaccurate, and unverifiable. 

Details : XXXX. The alleged debt is claimed to have been purchased from XXXX XXXX Bank. 
XXXX. I had a XXXX  XXXX account which was paid in full, closed in good standing, and reported by XXXX XXXX as 100 % on-time with no charge-off or collection. 
XXXX. XXXX XXXX added this as a collection, despite the fact that no debt is owed, making this a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). Reporting false information is unlawful.

4. This also constitutes a potential violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ), as LVNV is attempting to collect a debt that is not valid. 

Actions Requested : XXXX XXXX must validate the alleged debt and provide proof of ownership. If they can not, they must cease all collection attempts and remove the debt from my credit reports immediately. 
TransUnion and Experian must investigate and remove this inaccurate collection reporting from my credit reports. 
I request written confirmation from all entities that this issue has been resolved and that my credit reports accurately reflect the status of my XXXX XXXX account. 

Supporting Documentation : Screenshots or credit report excerpts confirming no charge-offs or collections reported by XXXX XXXX XXXX 
Any correspondence with XXXX XXXX or the credit bureaus regarding this matter. 

Desired Outcome : Immediate removal of the false collection account from my credit reports. 
Written confirmation from XXXX XXXX, TransUnion, and Experian that the reporting error has been corrected. 
XXXX that XXXX XXXX will not pursue collection on a debt that does not exist. 

I affirm that the information provided is accurate to the best of my knowledge.

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