vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 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: TX

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : XXXX. Identity Theft XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report. 


XXXX. Identity Theft XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report. 


XXXX. Identity Theft XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit 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 explanation
Consumer complaint received 2025-11-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau, I am submitting this formal complaint regarding the continued, incomplete, or inaccurate reporting of an auto loan by XXXX XXXX ( the Furnisher ). This account has been marked as a " Charge-off. I have previously initiated disputes with the nationwide Consumer Reporting Agencies ( CRAs ) regarding this entry, and the Furnisher 's subsequent verification of the information is believed to be non-compliant with the Fair Credit Reporting Act ( FCRA ). 

The Furnisher, XXXX XXXX, is required to adhere strictly to the compliance procedures outlined in the FCRA. My dispute is based on the following specific legal requirements : XXXX. XXXX XXXX  Duty to Conduct a Reasonable Investigation ( 15 U.S.C. 1681s-2 ( b ) ) : XXXX XXXX When a furnisher of information receives notice of a dispute from a CRA, the law mandates specific duties. XXXX  XXXX  15 U.S.C. 1681s-2 ( b ) XXXX XXXX  states that upon receiving notice from a CRA, the furnisher shall : XXXX  ( A ) Conduct an investigation with respect to the disputed information; XXXX  ( B ) Review all relevant information provided by the consumer reporting agency ; XXXX  ( C ) Report the results of the investigation to the consumer reporting agency ; and XXXX  ( D ) If the investigation finds that the information is incomplete or inaccurate, promptly modify that item of information, delete that item of information, or permanently block the reporting of that item of information. 

2. XXXX XXXX Prohibition Against Reporting Inaccurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : XXXX XXXX The FCRA also establishes a general prohibition that a person shall not furnish any information relating to a consumer to any CRA if the person XXXX XXXX '' knows or has reasonable cause to believe that the information is inaccurate. " XXXX XXXX  Given that this account is a " Charge-Off '' reported more than six months ago, I assert that the furnisher can not substantiate or provide the complete chain of documents ( including the original contract, payment history, and the audit trail for the charge-off determination ) required to prove the current reporting is 100 % accurate and complete as defined by the statute. Any information that can not be verified or proven to be complete and accurate must deleted.

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 2025-11-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MA

Complaint narrative:
Dear CFPB, TRUEACCORD CORPORATION : I am filing a complaint regarding a debt collection account that appears on my credit report from your company and XXXX for {$380.00} without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation. Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : - [ x ] Original Credit Agreement proves the contract I signed - [ x ] Full Itemized Statement shows how the balance was calculated - [ x ] Forward Flow Agreement proves debt was legitimately transferred to collector - [ x ] Chain of Title / Assignment Documents shows proper legal transfer of debt ownership - [ x ] Payment History Records verifies payments made or missed - [ x ] Validation Notice per FDCPA 15 USC 1692g proof they sent me proper notice - [ x ] Notice of Default or Intent to Collect proof of communication as required by law - [ x ] Proof of Statute of Limitations confirms the debt is still legally collectible - [ x ] Credit Reporting Agreement agreement allowing them to report to bureaus - [ x ] Documentation of Dispute Investigations proof they investigated my previous dispute under FCRA 15 USC 1681i If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k. Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management is trying to sue for a debt of amount {$690.00}. Says account was opened on XX/XX/year>. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
That debt doesn't belong to me. 
It's an identity theft Someone had been using my name to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I have about {$2500.00} in my Venmo balance. I am purchasing a vehicle from a private seller. They require payment through Venmo. The cost is {$3000.00}. I tried to add more money to my Venmo balance via my bank account and debit card. Both methods kept giving me an alert saying " we couldn't add your money - our support team is ready to help ''. I contacted support multiple times and was told there is nothing they can do and to respond to the email they sent me. So I did what the email requested and uploaded my ID ( again ). Later I tried to transfer money to Venmo and got the same alert. I contacted support again. They said there is nothing they can do that I would need to wait 3-7 business days. 

Now I will be homeless until I can access MY MONEY in order to purchase the vehicle, which I am not sure will still be available when I finally get access to MY MONEY. Not to mention the other responsibilities that I will not be able to manage because of this criminal activity by Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Love, Beal & Nixon, P.C.
State: AR

Complaint narrative:
Love, Beal & Nixon P.C. were listed as counsel for XXXX XXXX XXXX in the original complaint. However, they did not appear in the affidavit, bill of sale, or assignment chain. Weeks later, they submitted a spreadsheet referencing a XXXX XXXX XXXX  account that was deleted by XXXX  and flagged by XXXX. On XX/XX/year>, ( via mail dated for XXXX XXXX that Ive never seen in my life ) they submitted a bank statement dated XX/XX/XXXX XXXX future datewith no verified contract or billing history. I requested documentation and filed a Request for Bill of Particulars. They have not provided proper verification yet with no response to agree to provide ( they have XXXX  days to respond ) The judge paused arbitration and is investigating whether the account is fraudulent. 

Although the account number is obscured on the bank statement submitted by XXXX XXXX XXXX, the dollar amount matches the bank statement submitted by Love, Beal & Nixon P.C. This suggests coordination between the debt buyer and the law firm acting as both counsel and collection agency. The lack of transparency, combined with the matching amounts and future-dated documents, raises serious concerns about procedural integrity and potential conflict of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: ME

Complaint narrative:
XXXX AUTO LOAN DISPUTE ( FCRA 602A, 604, 607, 609, 611, 623 ; 15 U.S.C. 1681a1681x ; Regulation V, 12 CFR Part 1022 ) To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX Date : [ XXXX ] Subject : Formal Dispute XXXX Auto Loan ( {$8300.00} ) | Request for Validation and Deletion Dear TransUnion Dispute Department, I am disputing the accuracy and completeness of the XXXX auto-loan account listed on my TransUnion credit file ( reported XX/XX/XXXX ; balance {$8300.00} ; status Needs Attention ). This listing is inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and Regulation V ( 12 C.F.R. Part 1022 ).

Legal Basis FCRA 604 [ 15 U.S.C. 1681b ] Permissible purpose for reporting must exist.

FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Requires reasonable procedures to assure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681g ( a ) ( 1 ) ] Gives me the right to request all sources and information used in reporting.

FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] Requires a reasonable reinvestigation of disputed items and deletion of unverifiable information within XXXX  days. 
FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] Prohibits furnishers from reporting information they know is inaccurate.

Regulation V, 12 C.F.R. 1022.43 ( e ) Requires CRAs to include all relevant information supplied by the consumer in any reinvestigation.

Specific Demands for Verification Please provide within XXXX  days : XXXXA copy of the original signed loan agreement or instrument bearing my signature. 
XXXX.All payment records and itemized balance calculations for this account. 
XXXX.Proof of ownership and chain-of-title if the debt was sold or transferred. 
XXXX.The full name, address, and telephone number of the original creditor. 
XXXXThe method of verification used by TransUnion and the identity of the furnisher who responded.

Notice of Consumer Participation Requirement Under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 2 ) ( A ) ( 15 U.S.C. 1681i ) a consumer reporting agency must conduct a reasonable reinvestigation that includes all relevant information provided by the consumer. Any reinvestigation performed without first contacting me and reviewing the evidence I provide constitutes a false or incomplete investigation under the FCRA and Regulation V, 12 C.F.R. 1022.43 ( e ). I expect written confirmation that you will communicate with me before and after your reinvestigation. Failure to include my input renders any verification invalid and requires deletion under FCRA 611 ( a ) ( 5 ) ( A ). 

If the information can not be verified with the above documentation, you must delete this account and send me written confirmation within XXXX  days as required by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: PA

Complaint narrative:
Dispute of Unauthorized Hard Inquiry XXXX XXXX XXXX XXXX XXXX writing to dispute an unauthorized hard inquiry that appears on my credit report from XXXX XXXX XXXX XXXX  ( XXXX ). I did not apply for any credit account or authorize this inquiry, and therefore, I request that it be removed from my credit file immediately. 



Please investigate this matter and delete the unauthorized inquiry in accordance with the Fair Credit Reporting Act ( FCRA ). 



Inquiry Details : Creditor Name : XXXX XXXX XXXX XXXX  ( XXXX ) Type of Inquiry : Hard Inquiry Date of Inquiry : XX/XX/year> Thank you for your prompt attention to this matter. Please send me an email confirmation once this inquiry has been removed. 



Sincerely, XXXX XXXX XXXX XXXX XXXX Email : 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 2025-11-01 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: AZ

Complaint narrative:
on XX/XX/year> my brother sent me {$150.00} via cash app. The problem started when I attempted to make a private purchase from an individual having a yard sale. The individual gave me information for an account of his which was no longer active or legitimate. I attempted to use the app to cancel the transaction as I no longer was interested in the goods for sale and the individual was unable to retrieve funds. I contacted cash app and attempted to get my money back and they informed me there was no way for me to do this. After inquiring what their dispute process was they neglected to inform me instead telling me to just trust an individual I do not know can not find a way to retrieve the money and wait 14 days. The remaining {$50.00} in the account was offered presumably by the app itself to several individuals that I do not even know and some that I do. When I contacted them about this issue they also told me there was no dispute process for me to utilize and that I was basically screwed. I have seen how they work and I know the next step is that they are going to shut down my account and make it impossible for me to retrieve my money. I want to make it clear that there is nobody in this case that I owe money to. Their customer service was rude and the anathema of helpful. After several million dollars of lawsuits cash app has not changed its tune or repented in any way shape or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: NC

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau, I am submitting this formal complaint regarding the continued, incomplete, or inaccurate reporting of an auto loan obligation by XXXX XXXX ( the Furnisher ). This account has been marked as a " XXXX ''. I have previously initiated disputes with the nationwide Consumer Reporting Agencies ( CRAs ) regarding this entry, and the Furnisher 's subsequent verification of the information is believed to be non-compliant with the Fair Credit Reporting Act ( FCRA ) The Furnisher, XXXX XXXX is required to adhere strictly to the compliance procedures outlined in the FCRA. My dispute is based on the following specific legal requirements : 1. * * Duty to Conduct a Reasonable Investigation ( 15 U.S.C. 1681s-2 ( b ) ) : * * When a furnisher of information receives notice of a dispute from a CRA, the law mandates specific duties. * * 15 U.S.C. 1681s-2 ( b ) * * states that upon receiving notice from a CRA, the furnisher shall : * ( A ) Conduct an investigation with respect to the disputed information; * ( B ) Review all relevant information provided by the consumer reporting agency ; * ( C ) Report the results of the investigation to the consumer reporting agency ; and * ( D ) If the investigation finds that the information is incomplete or inaccurate, promptly modify that item of information, delete that item of information, or permanently block the reporting of that item of information. 

2. * * Prohibition Against Reporting Inaccurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : * * The FCRA also establishes a general prohibition that a person shall not furnish any information relating to a consumer to any CRA if the person * * '' knows or has reasonable cause to believe that the information is inaccurate. " * * Given that this account is a " Charge-Off '' reported more than six months ago, I assert that the furnisher can not substantiate or provide the complete chain of documents ( including the original contract, payment history, and the audit trail for the charge-off determination ) required to prove the current reporting is 100 % accurate and complete as defined by the statute. Any information that can not be verified or proven to be complete and accurate must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: UT

Complaint narrative:
Cash App - Sent {$180.00} to my daughters old cash app account by accident. Did not realize she had a new account and when she tried to access this old account to get the money, shes unable to. 
When she tries to log in, she can not remember her old pin she set up. The app says it wants to send a code to an old phone number she no longer has or an email she no longer has access to. 
When we try to call the Cash App customer service amd explain the problem, they offer to do a one time courtesy transfer by transferring the funds from her old account to her new account. Sounds great, sounds simple. We sit and wait for five to ten min for them to tell us for security purposes we are unable to assist with the transfer. No reason why, they dont know, thats all they can tell us. They tell us we will have to hang up and call back again and try requesting the same thing all over again with a different agent!! No, not even joking. This is what we have been told to do. And weve actually did it, a few times which is almost embarrassing because its so stupid. We just want our money back thats it. Should be simple. Myself and my daughter both have tried calling trying to get this money back. We can verify everything they need us to. We both still have cash app accounts and can see that its the same person on both accounts. And every time we asked to speak with somebody in their supervisors department or somebody else that can help us that has higher seniority they tell us that they dont have anyone all they can do is send an email and that someone will be in touch with us, but nobodys ever gotten in touch with us. We have been trying to get this money back for over a year now the {$180.00} was sent back in XXXX of XXXX! Every time weve called customer service we get the same runaround. Its almost like theyre just trying to keep our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Ii deposited a check i received from a law suit. The bank later said it was fraud. A month later they released the funds tome. Then 2 days later froze my account saying it was fraud again. They say they can't provide me with any information. For me to appeal it which I did then they denied it. I also am missing XXXX XXXX dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation