vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This request is for the debt reported on my credit file from : XXXX XXXX I am formally requesting validation of the alleged debt reported on my credit file in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), if I, the consumer, request a description of the procedure used to determine the accuracy and completeness of the disputed information, you are required to provide it within five ( 5 ) days of the completed investigation. 

Therefore, I demand the following information regarding XXXX  XXXX XXXX XXXX XXXX A detailed description of the procedure used to verify the accuracy and completeness of the disputed information.

-Who did Experian, Transunion and Equifax interview regarding this account?

How did Experian, Transunion and Equifax determine the validity of this alleged debt? 
A full itemized accounting of the alleged debt, including principal, interest, fees, and any other charges assessed. 
Copies of any correspondence or documentation that substantiate the legitimacy of this debt and my obligation to pay. 
A sworn affidavit from an authorized representative attesting to the accuracy and validity of this debt. 
Until these documents are provided, I dispute the validity of this alleged debt. If you fail to provide the requested information, any continued reporting of this debt may constitute a violation of the Fair Credit Reporting Act. 

I have provided green slips from the post office from certified mail on how these documents were never provided to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This request is for the debt reported on my credit file from : XXXX XXXX I am formally requesting validation of the alleged debt reported on my credit file in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), if I, the consumer, request a description of the procedure used to determine the accuracy and completeness of the disputed information, you are required to provide it within five ( 5 ) days of the completed investigation. 

Therefore, I demand the following information regarding XXXX  XXXX XXXX XXXX XXXX A detailed description of the procedure used to verify the accuracy and completeness of the disputed information.

-Who did Experian, Transunion and Equifax interview regarding this account?

How did Experian, Transunion and Equifax determine the validity of this alleged debt? 
A full itemized accounting of the alleged debt, including principal, interest, fees, and any other charges assessed. 
Copies of any correspondence or documentation that substantiate the legitimacy of this debt and my obligation to pay. 
A sworn affidavit from an authorized representative attesting to the accuracy and validity of this debt. 
Until these documents are provided, I dispute the validity of this alleged debt. If you fail to provide the requested information, any continued reporting of this debt may constitute a violation of the Fair Credit Reporting Act. 

I have provided green slips from the post office from certified mail on how these documents were never provided to me

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

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 - Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$6200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Resurgent has failed to send validation of the third party debt collection of ownership, forward flow agreement, chain of custody, loan purchase agreement, loan sale agreement, full file with two wet signature 's and all details intact, and has not shown resurgent has been harmed. A third party debt collector can't not obtain rights or buy/sell contact without espresso written permission from original name parties. I challenge the the enforcement of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Pursuant to USC 1681g, these fraudulent accounts need to be removed within 15 days.

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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
On Saturday, XX/XX/year>, I deposited a check in the amount of {$3900.00} through Santander Banks mobile deposit application in my checking account. The check was a dividend payment from a XXXXlisted company, with XXXX XXXX. as the authorized paying agent signing the check. On Tuesday, XX/XX/year>, I received an email notification from Santander that the check deposit had been accepted. The notification did not mention any extended hold being placed on the deposited funds. 

On Thursday, XX/XX/year>, I noticed that none of the deposited funds ( {$0.00} ) were available in my checking account. No messages, emails, or alerts had been provided to me since the acceptance notification on XX/XX/XXXX. I called Santanders customer service number, and the representative confirmed that an extended hold had been placed on the check. I asked if notice had been provided to me and was told, it was not, but there should have been a notice. When I asked for the reason behind the hold, I was informed that there was nothing out of the ordinary with the deposit that triggered it. 

As of today, Friday, XX/XX/year>, the check remains on hold with {$0.00} from this deposit made available.

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 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: AR

Complaint narrative:
I have been doing business with Cash app the app on my phone that allows me to put money on my cash app card and transfer between businesses to pay for merchandise or deposits. Ive been doing business with XXXX XXXX XXXX XXXX You can go back over my account records and see how many transactions Ive made with this company and yet every time I try to get my money from the company I cant get it back. It takes me anywhere from 14 to 21 days to get my money back but they take it directly out of my account and then charge me fees to take it and charge me fees to get it back. I want somebody to hold these stupid people responsible. I feel like Im being stolen from I can show where Ive used my app Cash app that is to transfer or purchase over {$8000.00} worth of merchandise and deposits would be in XXXX XXXX but yet theyve got ta make sure its not fraudulent coming back into my account. They are fraudulent and Im sick of it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX - Opened XX/XX/XXXX With a balance of {$820.00} There are also fraudulent inquiries with XXXX XXXX XXXX XXXX inquired XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

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 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
The account was opened XX/XX/year> and that is passed the 7 years for collection reports, yet every time I dispute it remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-08-29 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: CA

Complaint narrative:
XXXX XXXX XXXX is inaccurately reporting on my TransUnion credit file that my automobile account was 30 days past due under the remarks in XX/XX/year>. This is false. I have never been late on this account, and I made my final payment in full and on time in XX/XX/year>. 

This inaccurate remark appears only on TransUnion Experian and Equifax do not report any late payments for this account. The inconsistent reporting across credit bureaus raises compliance concerns under the Fair Credit Reporting Act ( FCRA ), which requires furnishers to provide accurate and consistent information to all consumer reporting agencies. 

I have been disputing this matter since XX/XX/year>, including directly with XXXX XXXX XXXX and with TransUnion. Despite my efforts and despite proof of timely payments ( attached ), the false remark remains. I have never been late on this account in its entire history. It makes no sense that I would pay on time for years and then suddenly be late on the very last payment. 

Requested Resolution : Remove the false XXXX late remark from my TransUnion credit report. 
Ensure consistency of reporting across all credit bureaus. 
Confirm that my payment history reflects that this account was paid in full and never late. 

This inaccurate reporting is harming my creditworthiness, and I request immediate correction.

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 2025-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
The company changed the amount of original loan and sold it to a collection agency after repossession. This has happened atleast XXXX times. 

In addition to this, I NEVER got my plates and their quick fix was to give me another XXXX day temp tag. Never had official plates from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: MS

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 non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

XXXX XXXX XXXX # XXXX XX/XX/scrub>/2024 -- {$280.00}

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 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
There were several transactions that were made on my XXXX  and XXXX XXXX that I did not make that I had received money, and the money was sent via bitcoin to a bitcoin wallet several times. 

I reached out the XXXX  and XXXX XXXX support twice and they said that my accounts were flagged as fraud or suspicious activity. I need help getting my accounts back please!

Im worried these people have been using my information to scam people by pretending to be me on different social networking platforms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
b'This credit report doesnt match my true financial integrity.'

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX Subject : Notice of Dispute for Late Payment on Account # XXXX Dear XXXX, Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, I am writing to dispute the accuracy of a XXXX delinquency reported for my Account # XXXX, as shown in my XXXX credit report ( XXXX XX/XX/XXXX ). The account, opened on XX/XX/XXXX and closed on XX/XX/XXXX with a high balance of {$710.00} and a credit limit of {$200.00}, indicates a delinquency in XX/XX/XXXX that I contest as inaccurate based on my payment records. 

I request the following to resolve this dispute : A complete payment history from XX/XX/XXXX to XX/XX/XXXX, including all dates and amounts paid, to address the reported delinquency in XX/XX/XXXX, XXXX XXXX, and XXXX XXXX, which contradicts my records of timely payments. 

Documentation detailing the circumstances of the reported delinquencies in XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, including any supporting evidence, as my records show no missed payments during this period. 

Copies of account statements or payment confirmations from XX/XX/XXXX to XX/XX/XXXX to substantiate the reported balance and payment status. 

This request is to ensure the accuracy of information furnished to credit bureaus. 

Please send the requested details to the address above or provide access via your customer service portal. Enclosed are copies of my identification for verification : XXXX of passport XXXX of XXXX car insurance policy showing my address Please contact me at XXXX if further information is required. I expect a response within 30 days, as mandated by the FCRA. 

Sincerely, BY : XXXX, XXXX FOR : XXXX XXXX XXXX XXXX Enclosures : Copy of passport Copy of 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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am trying to transfer money from my Chase Account to another account to post a deposit on a house. I am an XXXX XXXX, but currently reside in the XXXX for a work contract. Chase is limiting my wire transfers to {$25000.00} and will not let me increase the amount without being seen in person - something I can not do from the XXXX. When I attempted to connect an external account and start transferring smaller amounts they blocked my account for " risk reason '' even though I had just identified myself XXXX different ways with XXXX different call center managers. I then asked to close the account so I can take owner ship of my money and they will not comply. I am now locked out of my account for XXXX Hours while they review my account, with NO ability to transfer MY money to my other account. These processes and inability to understand how someone can not get to a bank branch in XXXX are going to cause me to lose my house!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I went into a debt settlement with capital one of {$3000.00} To be taken out of my account XX/XX/year> and close off my card. The transaction was set and miraculously the day of was canceled. According to the agreement, if its not paid by the set date, then the whole agreement is voided. I called to try to fix this and now its in review and they will not escalate it. I was hung up on by the XXXX and told that I couldnt talk to anybody else higher than her. They can see that I did not cancel it and call to cancel it, but they will not honor our agreement.

Company response to consumer: Closed with non-monetary relief