vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
I XXXX XXXX have received information regarding a debt that is being claimed against me. Though my rights in accordance with 15 U.S. Code 1629g, I hold the right to verify the total debt amount, including any fees and who the original party that is making the claim. After receiving such information I will review and respond within XXXX day period allotted to me under federal law. If it is found that there is no evidence of thus debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local and federal agency. Furthermore, I request a cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by our company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to state and federal penalties. I appreciate your effort in this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
I am following up on a previous complaint regarding several inaccuracies on my credit report that are negatively affecting my creditworthiness. Upon reviewing my report, I noticed that multiple addresses are listed incorrectly : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; and XXXX XXXX XXXX XXXX XXXX, XXXXXXXX SC XXXX. I have never resided at any of these locations, and their presence on my report is misleading.Additionally, there is an inquiry from XXXX Banking dated XX/XX/2025 that I did not authorize. These inaccuracies and unauthorized actions violate my rights under the Fair Credit Reporting Act ( FCRA ). Section 602 ( a ) requires that consumer reports be fair and accurate, while 607 ( b ) mandates that reasonable procedures be followed to ensure maximum possible accuracy. Section 609 ( a ) ( 1 ) gives me the right to review all information reported about me, and 611 ( a ) allows me to request reinvestigation and correction of inaccurate or incomplete information. Furthermore, 604 ( a ) ensures inquiries are only made for permissible purposes, and 623 ( a ) ( 1 ) requires furnishers to report accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
I am following up on a previous complaint regarding several inaccuracies on my credit report that are negatively affecting my creditworthiness. Upon reviewing my report, I noticed that multiple addresses are listed incorrectly : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; and XXXX XXXX XXXX XXXX XXXX, XXXXXXXX SC XXXX. I have never resided at any of these locations, and their presence on my report is misleading.Additionally, there is an inquiry from XXXX Banking dated XX/XX/2025 that I did not authorize. These inaccuracies and unauthorized actions violate my rights under the Fair Credit Reporting Act ( FCRA ). Section 602 ( a ) requires that consumer reports be fair and accurate, while 607 ( b ) mandates that reasonable procedures be followed to ensure maximum possible accuracy. Section 609 ( a ) ( 1 ) gives me the right to review all information reported about me, and 611 ( a ) allows me to request reinvestigation and correction of inaccurate or incomplete information. Furthermore, 604 ( a ) ensures inquiries are only made for permissible purposes, and 623 ( a ) ( 1 ) requires furnishers to report accurate 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 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/year> tried to dispute two transactions from XX/XX/XXXX both for {$79.00} each I put in a dispute with Cash App due to scam I received an email saying they couldnt determine a scam and will not issue me a refund this happens all the time with Cash App they refuse to give anybody money back due to scams. Ive even tried contacting my bank but because I transferred money out of my account to Cash App they wont give me a refund either they told me I had to contact Cash App for the refund which they are refusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Hi I have been a wells fargo customer with an open account for over 15 years. I received a check from someone I know but because its a check I didn't know if the check was good- the check was from a wells fargo account. So I went to my location branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX and asked to cash the check. After presenting my wells fargo card, id, and a text code to confirm my identity, just before I was to get the money I was told about a surprise {$10.00} fee. The teller said I was not a customer of the bank. I showed them my active wells fargo card that shows I have been a customer for over 15 years. I asked to speak to the manager. After keeping me waiting a guy named XXXX spoke to me in a very condescending tone, refusing to waive the fee and obviously cared nothing about me as a customer. I left the branch. I went to another bank I have an account with and presented the check. The other bank said they had no way to tell if the check was real and that I should return to wells fargo. Going to another Wells Fargo branch at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I presented the check and was again asked to pay a {$10.00} fee. The branch manager XXXX also refused to waive the fee and said I should call a number to file a complaint XXXX but cashed the check and took a {$10.00} fee. After calling the number an agent was shocked that a wells fargo customer went into a wells fargo branch presenting a wells fargo check and was asked to pay a fee. Very bad service and a scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I have been receiving spam calls from portfolio recovery associate for a few months now. They told me that I owe about XXXX dollars however this account was not opened by me. I called on XX/XX/XXXX. When I expressed that XXXX XXXX XXXX  has an address discrepancy on it and I havent lived at the address since XX/XX/XXXX. I live in my new address effective of XX/XX/XXXX and renewed my lease till XX/XX/XXXX. The lady didnt seem to care and told me that I had to pay to settle/consolidate the account. The rep told me that this account was opened in XX/XX/XXXX and was closed sometime this year XXXX. But it is now that I am getting the calls. The last transaction was in XXXX XXXX back in XX/XX/XXXX. During that time period, I was homeless living in a car so I did not have any access to funds to go to XXXX XXXX. I didnt have a debit card either to show proof of this. I have been in XXXX  and I have never travel across to another state. But I did not open this account at all. Im a XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
It was in 2023 I cant recall the date. I Recieved multiple alert from my account that money was being sent that I didn't authorize. It was little increments of money being sent to a cash app I've never seen before. I couldnt sign into my account because they changed my password. I had to sign in thru my email. When I called Chime it took them 15 mins to get some one on the phone. When someone got on the phone all my money was gone. They said that have to look into it... I had proof I sent pictures everything that was needed. They responded back and said they cant find any proof that it was fraud.! I was XXXX, It been a while selince I used them actually a year and I decided to just put some money in there for saving. Something told me not to but I did it anyways ... And not to long after this happened... I haven't bank with them since... I cant trust a bank that doesn't trust me when I say im being robbed.!!! That is insane!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
On XX/XX/XXXX XXXX I wrote a sent a Cease and Desist letter to Midland Credit Management after receiving a collection letter for an alleged debt. They continued calling and sending letters of collection. Around XX/XX/XXXX, XXXX started sending letters threatening with legal action. On XX/XX/XXXX I sent a second Cease and Desist letter and Debt Validation request listing specific conditions and to be verified on a point to point basis. I disputed the debt and gave them 21 days to comply. At this time I also opened a dispute with the credit reporting Agencies and sent them copies of the letters. I also requested them to investigate and remove the collections from the credit report. They never provided evidence of investigating the account and did not remove them from the reports. After no response from XXXX, on XX/XX/XXXX, I sent a sworn affidavit stating they had not provided evidence of the debt, and a Notice of Dishonor of the ( 2 ) two prior Cease and Desist letters. The notice also included a fee schedule for damages, collection without verification, and use of my trademarked name without a contract. No response. Finally on XX/XX/XXXX, I sent a final notice of Dishonor and Invoice to MCM listing all the violations and demanding they remove the collection from the reports and pay the Invoiced amount for their listed violations. AS of today, neither XXXX or the credit reporting agencies have done anything to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
According to my XXXX credit report, which updated on XX/XX/year>, Experian has yet to update the reported information ( XXXX XXXX Account ). I am submitting proof of the accounts being deleted/removed from my XXXX credit report as proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
I am following up on my prior complaints regarding multiple inaccuracies on my credit report that continue to negatively affect my creditworthiness. These errors violate my rights under the Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ), which require accuracy and proper reinvestigation of disputed information. 
My report lists several inaccurate addresses and employers, including : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) None of these entries are correct. 
Additionally, the following accounts are reported inaccurately : XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  marked late/closed with {$0.00} balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed as a charge-off with {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
I am following up on my prior complaints regarding multiple inaccuracies on my credit report that continue to negatively affect my creditworthiness. These errors violate my rights under the Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ), which require accuracy and proper reinvestigation of disputed information. 
My report lists several inaccurate addresses and employers, including : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) None of these entries are correct. 
Additionally, the following accounts are reported inaccurately : XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  marked late/closed with {$0.00} balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed as a charge-off with {$0.00}

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 non-monetary relief
Consumer complaint received 2025-10-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint to formally dispute several inaccurate and unfairly reported items appearing on my credit report. The reporting entities have failed to provide accurate, complete, and verifiable information as required under the Fair Credit Reporting Act ( FCRA ). 

Below are the accounts in question : XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported as : Late Payment This account is being inaccurately reported as having a late payment. I have never been late on this account, and the reporting is factually incorrect. I am requesting an immediate investigation and correction of the payment history to accurately reflect that I have always paid on time. 

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$33000.00} Reported as : Charge Off I have no knowledge of this account. I have never opened, applied for, or authorized any account with XXXX XXXX XXXX. This account appears to be fraudulent or inaccurately reported. I am requesting its complete deletion from all credit bureaus as it can not be verified. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I did not authorize this credit inquiry. This unauthorized inquiry is negatively impacting my XXXX XXXX and was made without my permission. Please ensure this unauthorized inquiry is removed from my report. 

XXXX XXXX Inquiry Date : XX/XX/XXXX I did not authorize this inquiry either. This appears to be another instance of unauthorized access to my credit file. I request this inquiry be deleted immediately as it was not initiated or approved by me. 

These inaccuracies are damaging my credit reputation and are in violation of the FCRA Sections 602, 607, and 611, which require furnishers and bureaus to maintain and report accurate, verifiable, and fair information.

I am requesting the CFPB to conduct a full investigation into these matters and ensure that : All inaccurate information is corrected or deleted. 

All unauthorized inquiries are permanently removed. 

The furnishers provide documented proof of my authorization and payment history. 

I have already contacted the credit bureaus regarding these items but have not received a satisfactory resolution. Therefore, I am escalating this issue to the CFPB for fair review and enforcement action. 

Requested Resolution : Correct the XXXX XXXX XXXX account to reflect no late payments. 

Delete the XXXX XXXX XXXX  account due to lack of verification. 

Remove the unauthorized inquiries from XXXX XXXX XXXX and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
I am following up on my previous complaints regarding multiple inaccuracies on my credit report that are negatively affecting my creditworthiness. Upon reviewing my report, I noticed several critical errors that must be corrected immediately. My file lists incorrect addresses, including XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX and inaccurate names such as XXXX XXXX and XXXX XXXX XXXX none of which are associated with me.In addition, several accounts are reported inaccurately as charge-offs or late/closed with {$0.00} balances, including XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Card, and XXXX XXXX, with account XXXX failing to reflect its XXXX XXXX XXXXXXXX XXXX. My report also contains unauthorized or inaccurate inquiries from Bank XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA 602 ( a ), 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), 623 ( a ) ( 2 ), and 615 ( a ) ), which require consumer reporting to be fair, accurate, and complete, mandate proper reinvestigation of disputed information, require furnishers to report accurate data, and limit inquiries to permissible purposes. The continued reporting of these errors is misleading, damaging, and unfairly impacting my ability to access credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
I am following up on my previous complaints regarding multiple inaccuracies on my credit report that are negatively affecting my creditworthiness. Upon reviewing my report, I noticed several critical errors that must be corrected immediately. My file lists incorrect addresses, including XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX and inaccurate names such as XXXX XXXX and XXXX XXXX XXXX none of which are associated with me.In addition, several accounts are reported inaccurately as charge-offs or late/closed with {$0.00} balances, including XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Card, and XXXX XXXX, with account XXXX failing to reflect its XXXX XXXX XXXXXXXX XXXX. My report also contains unauthorized or inaccurate inquiries from Bank XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA 602 ( a ), 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), 623 ( a ) ( 2 ), and 615 ( a ) ), which require consumer reporting to be fair, accurate, and complete, mandate proper reinvestigation of disputed information, require furnishers to report accurate data, and limit inquiries to permissible purposes. The continued reporting of these errors is misleading, damaging, and unfairly impacting my ability to access credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to request the removal of the bankruptcy information from my credit report Ref # XXXX. Please note that the disclosure of this bankruptcy is not authorized, and therefore it should not appear on my credit file. I kindly ask that you investigate this matter and ensure the removal of the bankruptcy record at your earliest convenience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request the removal of the bankruptcy information from my credit report Ref # XXXX. Please note that the disclosure of this bankruptcy is not authorized, and therefore it should not appear on my credit file. I kindly ask that you investigate this matter and ensure the removal of the bankruptcy record at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
XXXX paid off earlier in XXXX. Financial institution has received multiple disputes, but there hasn't been any resolution. Goodwill dispute has been offered & rejected as there is " no goodwill program. '' XXXX has been fully paid and account is closed. 

XXXX  has not responded nor made any diligently efforts to address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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