vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I used Cash App to purchase a 1993 XXXX from a private seller after inspecting and test-driving the vehicle. The next day, the car became completely undriveable. Upon further inspection, I discovered multiple undisclosed and dangerous issues : - Broken or stripped wheel studs ( hidden using capped lug nuts ) - Fuel system and engine failure - The rear frame of the vehicle had been cut and not welded back together, posing a serious structural and safety hazard I attempted to contact the seller, but they deleted their XXXX listing and hid their profile. This was a deliberate fraud and clear misrepresentation of the vehicle 's condition. I submitted a dispute through Cash App with evidence ( photos, documentation, attempt to contact seller ), but the claim was denied without any justification. 

To make matters worse, when I contacted support, I was told there was no XXXX to escalate to, and that I simply needed to reopen the case. This delay has now lasted weeks. 

I am undergoing XXXX treatment, and this money was reserved for urgent medical procedures. Because of this incident, I now have no car, no access to the funds, and have missed critical appointments. This situation has had a severe impact on my health and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: GA

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 XXXX XXXX XXXX. 

XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
On Wednesday XX/XX/XXXX A fraudulent charge appeared on my account for XXXX from a XXXX store XXXX approximately at XXXX PM. I immediately contacted the bank ( Chime ) and informed them of the situation and they said they could not help me until that the pending transaction went through or settles. XXXX days later once that had settled I began the dispute process they just told me that it would take a couple of days for them to investigate and that I should call the merchant where the card was used at which was XXXX to find out as much information as I could, I did that opened a case number with them which is XXXX and I informed them of the situation and gave them all the information I had they themselves were confused on why I was investigating my own fraudulent charge in this manner when the bank usually deals with this themselves. Well the dispute claim ends up getting denied and their customer service is the absolute worse and are in no way helpful at all, Ive been trying to request chat logs with them but not even that they can do for me although I can screenshot some of that they haven't been able to necessarily help at all even XXXX 's when I reached out to them claimed that my bank had never actually tried reaching out to their financial department even though I provided them the case number. They said they would send the investigation records and they would arrive in my email but I had to request them XXXX separate times already, once I receive that I can forward it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX INQUIRIES XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of an account that Experian has reinserted into my credit report without providing prior written notice, as required by the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( ii ). 
The following account, which was previously deleted, has now been reinserted : XXXX XXXX XXXX Balance : {$850.00} Violation of FCRA XXXX ( a ) ( XXXX ) ( B ) Under FCRA XXXX ( a ) ( XXXX ) ( B ), if a credit reporting agency reinserts previously deleted information, it must : XXXX. Certify the accuracy of the information with the furnisher, and XXXX. Provide written notice to the consumer within XXXX business days of the reinsertion. 
I received no such notice, making this reinsertion a direct violation of federal law. 
My Legal Rights and Demands Because Experian failed to follow the proper reinsertion procedures, I am demanding the following : Immediate and permanent deletion of this account from my credit report. 
A written explanation of why the account was reinserted without notice. 
A copy of the certification of accuracy that Experian claims to have received from the furnisher. 
If Experian Fails to Comply If this issue is not resolved within XXXX days, I will take the following actions : Submit a complaint to my states XXXX XXXX 
Pursue legal action under FCRA XXXX and XXXX, which provide for statutory damages, punitive damages, and attorneys fees for willful or negligent noncompliance. 
Final Notice This is a final demand for Experian to immediately delete the reinserted account and provide written confirmation. Failure to comply will result in regulatory escalation and legal action. 
Sincerely, 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 2025-04-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: WA

Complaint narrative:
On XXXX XX/XX/XXXX, Radius Global Solutions LLC emailed me a XXXX letter on behalf of XXXX XXXX XXXX to collect {$470.00} for an unpaid wireless service. However, since the debt occurred as a direct result of identity theft XXXXXXXX XXXX XXXX XXXX the debt and removed it from my all credit files in XXXX. Radius Global Solutions reinserted the debt on XXXX XX/XX/XXXX and contacted me again by email about it in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. To add insult to injury, Radius Global Solutions, LLC retrieved my personal and credit information without my knowledge and consent by ill gotten means in order to sell it to unknown third parties. Radius Global Solutions is on a consumer protection watchdog list for its notorious practices for data mining and selling personal data on the dark web.

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 2025-04-05 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: GA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX  - XXXX XXXXXXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-04-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
I filed a dispute with Paypal on XX/XX/year> about my card being stolen an charges made on my account without my knowledge or consent. Charges totaling {$1400.00} was taken from my account. On XX/XX/XXXX my claim was denied. There is know way possible I was given a due process investigation regarding this matter. I request that my claim be reevaluated using a submitted police report, and this claim be governed for constructive fraud being caused by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We had safety box at our town Wells Fargo! 

I believe my safety deposit box there was drilled without proper notice. Im concerned some of my property may be missing, and I need to file a report.

Unfortunately the management of the bank is most important part of this disappointing case!

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 2025-04-05 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: MI

Complaint narrative:
I requested disputes from Transunion, Equifax and Experian. There are a number of late payments and collections that I am not aware of or associated with. Please see list of debt below as well as inquiries that I have requested disputes on below : Experian, XXXX, nor Equifax has attempted to remove, nor correct any information. I'm requesting the below derogatory remarks be removed or corrected immediately as it is affecting my chances of getting a home. Please assist. Thank you. 

Collections : XXXX Total balance : {$2300.00XXXX XXXX XXXX XXXX Original creditor XXXX Balance {$530.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Original creditor TOTAL XXXX XXXX XXXX XXXX  XXXX {$450.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  Original XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 
Balance {$1300.00} Balance updated XX/XX/XXXX Inquiries XXXX These lenders have accessed your credit file : XXXX XXXX NA Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX NA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX DT CREDIT Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date 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 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
NOTICE FOR REQUEST OF CERTIFIED MAIL RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE AND DESIST OF SLANDER HARRASSMENT EMBARRASSMENT THREATS DEFAMATION COLLUSION AGGRAVATED IDENTITY THEFT COLLECTIONS FALSE REPORTING & XXXX XXXX XXXX NOTICE INTENT TO SUE I HAVE NO BUSINESS WITH YOUR COMPANY I DIDNT GIVE CONSENT TO USE THIS ACCOUNT/ESTATE : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PLAINTIFF : XXXX XXXX XXXX XXXX XXXX XXXX CONTROL XXXX XXXX XXXX BOND D-U-N-S : XXXX SUITCASES XXXX XXXX XXXX XXXX XXXX HIGHEST BIDDER SUBPOENA SUIT INSURANCE CLAIM XXXX, MA XXXX XXXX : ALLEGED ORIGINAL CREDITOR : XXXX PROP XXXX CO ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE $????? 
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR XXXX XXXX CONTROL XXXX XXXX BULK- DEBT COLLECTOR STOP VIOLATING THE FDCPA XXXX XXXX EXHIBIT XXXX XXXX XXXX : EXHIBIT XXXX : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO XXXX XXXX XXXX ( a ) ( XXXX ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE STOP HARRASSING THIS LIVING MAN I DIDNT GIVE CONSENT TO USE THIS ACCOUNT : XXXX XXXX XXXX XXXX XXXX. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE. PLEASE SEND DOCUMENTS FROM THE GRAND JURY AS WELL, WHICH I ONLY RECOGNIZED COMMON LAW FEDERAL LAW. 
XXXX : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED PUBLIC RECORDS. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT XXXX AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY ALSO YOU MAYBE SUED BY THE CFPB. 
ABRUPTLY, XXXX XXXX XXXX XXXX Living Woman XXXX WITHOUT PREJUDICE without recourse BENEFICARY OF ESTATE : XXXX XXXX XXXX NOT THE TRUSTEE NOTICE TO CEASE AND DESIST OF DEFAMATION, SLANDER, COLLUSION AND REPORTING TO CONSUMER DATA AGENCIES WITHOUT CONSENT AND INTENT TO SUE DELETE IMMEDIATELY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: SC

Complaint narrative:
As per XXXX XXXX XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX. XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I noticed some inaccuracies on my credit and I had my credit frozen in the meantime to get dispute letters set up to send out. At the time I had so many hard inquiry 's from dealerships running my credit more that XXXX time as well as debt XXXX suing me with no response to any of my deputes letter that I sent out wanting an explanation on these accounts. The only thing I've received since my letters went out XXXX yrs ago was a Garnishment to my job as to an account that I have been disputing for over XXXX yrs everything else remains on my report as negative along with some of these accounts that never got a single payment towards them. I had a XXXX XXXX credit account removed it had a XXXX balance and I've never had a credit card account open with them that has since been removed because it was reported on my credit but belongs to someone else with a different name that's no link to me I asked how it was put on my credit I was told it was done in era. My name on my credit report is also inaccuracy there are names I've never used and the spellings are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Information regarding account number : XXXX XXXX XXXX XXXX 've reached out to the various companies that have been reporting inaccurate and false information on my report. Most of whom I've disputed with you, and you've neglected to do actual investigations into the matter. Also I'd like to add that some of the accounts I have disputed through you, you've marked as frivolous, without doing your proper duty as furnishers of data on my consumer report. I've learned that your improper investigations into the above matters have been detrimental to my ability to get credit and purchase a home. 

I have attached a " debt collector 's ) response to my efforts to resolve the improper reporting. Below I'm also attaching your duties according to the FCRA. You've been improperly furnishing data on my report knowing that the information listed is inaccurate, incomplete and not fair. This is my final attempt to resolve this matter and legal action is my next step. You've been warned. I'm demanding that the accounts in question be removed immediately!! 

U.S. Code 15 U.S.C. 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 non-monetary relief