vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: LA

Complaint narrative:
Cash App XXXX Block , Inc . 
Attn : Disputes & Fraud Department RE : Formal Dispute of Unauthorized Charges and Demand for Immediate Refund To Whom It May Concern, I am writing to formally dispute three ( 3 ) unauthorized and fraudulent charges that were processed through my Cash App account, despite multiple preventative measures taken under the direct guidance of a Cash App Support Specialist.

Cash App Support explicitly confirmed that the disputed transactions were initiated and completed from a XXXX device, which is not my device nor connected to my account. I was instructed by your representative on how to remove unknown devices from my profile, which I completed immediately. I also followed all recommended security steps, including reporting my Cash Card as lost/stolen and blocking the merchant responsible for the unauthorized charges. 

Despite these protections being put in place, the same fraudulent merchant was allowed to process charges a second timeagain without my authorization, without my device being involved, and without my consent. This demonstrates a clear failure in Cash Apps fraud-prevention and account-security systems. 

As a long-time Cash App user for over seven years, I have maintained my account responsibly and have never experienced such a breach. Cash App is obligated under applicable consumer protection laws, including the Electronic Fund Transfer Act ( Regulation E ), to investigate and resolve unauthorized electronic transfers. These transactions meet every criterion for unauthorized activity, and I have fully complied with every request and instruction from Cash App Support.

Therefore, I am demanding the following actions be taken immediately : 1. A full refund for all three unauthorized transactions.

{$740.00}, {$1400.00}, & {$750.00} 2. Written confirmation that these fraudulent charges have been permanently reversed.

3. Confirmation of removal of any unauthorized devices, sessions, or access points associated with my account.

4. Written results of your investigation, as required under federal law.

Failure to resolve this matter promptly may result in further legal escalation.

Please confirm receipt of this dispute and provide a written response within ten ( 5 ) business days. 

Sincerely, XXXX XXXX Long-Time Cash App Customer ( XXXX Years ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
I am filing this complaint because the XXXX account XXXX with a balance of {$3000.00} was reported without a permissible purpose under FCRA 604. I am requesting that XXXX and the credit reporting agencies provide evidence of legal authority and a valid permissible purpose to obtain use or share my personal information. The account also shows inconsistent information across XXXX XXXX and Equifax including status dates and descriptions. If they can not validate the permissible purpose then under FCRA 607b and 611 this account must be deleted for being inaccurate or unverifiable. This statement is true to the best of my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: LA

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 
THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS. 
FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 
THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Opened XXXX XXXX for the amount of XXXX. Ive tried to dispute the collection due to the account being opened by a person of fraudulent identity.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-13 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:
I am filing this complaint because the XXXX account XXXX with a balance of {$3000.00} was reported without a permissible purpose under FCRA 604. I am requesting that XXXX and the credit reporting agencies provide evidence of legal authority and a valid permissible purpose to obtain use or share my personal information. The account also shows inconsistent information across XXXX XXXX and Equifax including status dates and descriptions. If they can not validate the permissible purpose then under FCRA 607b and 611 this account must be deleted for being inaccurate or unverifiable. This statement is true to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I received a fraudulent inquiry on my credit report from Synchrony Bank on XX/XX/year> ; a bank I have no affiliation with. I attempted several times to talk to their customer service, but because I do not have an account, I can not speak with anyone.

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 2025-11-14 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 2025-11-13 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am submitting a complaint regarding the following Midland Credit Management accounts that are appearing on my credit report : MIDLAND CRED Account # XXXX * Date Opened : XX/XX/2023 Balance Owed : {$1100.00} Status : Collection MIDLANDCRE Account # XXXX * Date Opened : XX/XX/2023 Balance Owed : {$1100.00} Status : Collection I have no knowledge of these accounts, and the information being reported is inaccurate and unverifiable. These duplicate negative items are harming my credit report without any valid basis, and I am requesting a full investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: GREENSKY OPERATIONS, LLC
State: NJ

Complaint narrative:
I have attempted numerous times to get information from this company reporting to the information they are reporting within my credit files. They fail to complete and investigation and consistently go in circles thanking me for my request and they are investigating my requests/disputes and will send me the information I am requesting and still have not it's been over 1+ years and all they do is dance around investigating, I've also requested that they do not contact me by phone, email or other digital means. They are only to send me investigation results by mail and again have failed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION.

THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS.

FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS.

THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX showed up on my credit report today saying I owed the sum of XXXX. I contacted the company and asked who I supposedly owed and for what. They said they needed to verify my identity first. I provided and spelled full name, gave them date of birth, and last 4 of social security number. They asked for my address ( where I have lived for 6 years ) and if I had been there at least 6 months They then asked me to provide a card number so they could charge me XXXX to verify my identity. I told them I was not going to give them my credit card number that I should not have to pay a dollar for them to tell me who I supposedly owe money to that they placed a negative remark on my credit about. 
They said it doesn't have to be a credit card. It could be debit or a prepaid card. I told them I wasn't going to give them any card number that I wasn't going to pay a dollar for them to tell me who they say I owe especially when it's an amount that I know nothing about. So for all I know it's not even mine and they said that that was the new debt collection guidelines issued by the government to verify identity and that I had to do it, or they could not give me any information about the debt. I refuse and hung up and came to file this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 
Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
I am disputing the derogatory account being reported by LVNV Funding because the information they are furnishing appears to be inaccurate, unverified, and not supported by any original documentation. When reviewing my credit reports, I noticed that LVNV Funding is reporting a collection/charge-off account with a past-due balance, but none of the information has been validated or explained.

I filed disputes with the credit reporting agencies requesting that LVNV Funding provide verification of the account and produce documents such as the original creditor agreement, proof of ownership, chain of assignment, itemized statements, and records showing how the balance was calculated. Instead of providing any of these documents, the bureaus responded with generic notices stating that the account was verified, but no supporting evidence was supplied, and LVNV Funding did not provide any documentation directly to me.

LVNV Funding did not provide original documentation showing it legally owns the debt or has the authority to report it. They also did not provide any itemized billing history or contract showing how the alleged balance was determined. Without this information, it is impossible to verify whether the account is accurate, valid, or legally collectible.

Additionally, the information being reported by LVNV Funding appears differently across the credit bureaus. The dates, balances, and status information do not match from one bureau to another, which suggests that the data is inconsistent and has not been verified before being furnished. If each bureau displays different details, the account can not be considered accurate or reliable.

LVNV Funding also failed to mark the account as disputed by consumer, even after my dispute was filed. This omission violates reporting requirements and misleads any lender who views the report while the account is under dispute.

Because LVNV Funding has not provided validation, is reporting inconsistent information, and has not demonstrated that the information they are furnishing is accurate or complete, I am requesting a full reinvestigation using original documentation. If LVNV Funding can not produce proper evidence to substantiate the account, the derogatory information should be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: IN

Complaint narrative:
On XX/XX/XXXX of XXXX my apartment complex attempted to reach out to me via email to inform me of a move out statement but the email was sent to junk mail and I did not know of it until the collection company ( IQ Data International Inc. ) reached out to me and spoke to me on a recorded line. They informed me a bit of why I was being charged but couldn't provide me with an itemized breakdown. They also informed me that the apartment complex would no longer speak to me regarding this so I shouldn't reach out to them. The continued by informing me that if I didn't take care of the matter right away it would negatively impact my credit. I informed them that because I wasn't made aware of this and I didn't know who they were I would speak with the apartment complex first. After multiple attempts at reaching out to them via email failed I submitted a dispute with credit karma. I tried to negotiate a settlement with IQ Data but they informed me that wasn't an option and that I could pay {$160.00} but still have this issue on my credit. Or I could pay {$170.00} and they would fill a dispute due to discrepancies on the collection and have it completely removed from my credit. Once again they insisted that this had to be fixed right away or they would no longer be able to dispute any discrepancies and this would negatively affect me in the future. They did take a {$1.00} charge on my credit card to start the process of giving me information on the matter but they did not charge me for anything else and I informed them that I needed time to go over my options and find out what I'm being charged for. I showed up in person to the apartment complex on XX/XX/XXXX where they spoke to me regarding this issue and gave me an itemized breakdown of the real costs which totalled {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TrueAccord Corp.
State: FL

Complaint narrative:
I am submitting this complaint regarding my XXXX bank/wayfair credit card account.Recently XXXX XXXX XXXX XXXX XXXX my account was sold and I did not receive proper notice, or validation letter .The company now claiming ownership of the account has provided incomplete information and can not verify the full details of the amount, including full payment history and original documentation. this has cause confusion and concern, as I am unable to confirm whether the debt was sold or still legally valid.i am requesting cfpb 's assistance in : ensuring that my consumer rights are protected and that no improper collection actions are against me.Ensuring the new company provides full and proper validation as required by the FDCPA

Company response to consumer: Closed with explanation