vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I ask that these items be deleted so my credit report will only show 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 explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I HAVE THESE FRAUD ACCOUNTS THAT DONT BELONG TO ME I NEED THESE ACCOUNT REMOVED OFF MY FILE IMMEDIATELY. THANKS

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 2025-06-15 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the Equifax Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 6058B this information must be blocked within XXXX  days. Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
To : Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX Subject : Formal Dispute and Cease Reporting Request Regarding Unverified Debt Account Ending in XXXX To Whom It May Concern, This letter is to formally dispute the collection account you are reporting to Equifax under XXXX name Portfolio Recovery Associates and account number ending in XXXX, with an alleged balance of {$470.00}. 

This negative and inaccurate item is causing serious harm to my creditworthiness, directly preventing me from securing new credit and finding housing to support my family. Upon reviewing my credit report, I discovered this entry and was never notified of this debt, nor was I given a valid opportunity to dispute or validate the claim, in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Key Issues : I never received initial written communication or a debt validation notice, as required within 5 days of the first communication under FDCPA 809 ( a ).

I never agreed to or acknowledged this debt, and no verification has been provided to prove its validity.

The reporting of inaccurate payment history predating the date opened ( XX/XX/XXXX ) is misleading and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

You failed to notify me of the negative credit reporting, violating my rights under FDCPA and FCRA. 

Legal Precedents : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), it was ruled that debt XXXX must comply strictly with FDCPA provisions, including validation and notice. 
In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), the court held that reporting a debt without proper validation and notice is grounds for legal and regulatory action. 
15 U.S.C. 1692e ( 8 ) prohibits communication of credit information that is known or should be known to be false, including failure to communicate that a disputed debt is disputed.

Action Requested : I am demanding the immediate deletion of this account from all consumer reporting agencies ( XXXX XXXX XXXX  ) and that you cease and desist any further reporting of this debt. Failure to comply will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any applicable state attorney generals office. 

If you believe this debt to be valid, you are required by law to provide competent evidenceincluding signed contracts or account statements that prove I owe this debt and that you have the legal right to collect it. 

Please respond within 15 days with confirmation of deletion or full validation. If no action is taken, I will proceed with legal and regulatory escalation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a written request to XXXX XXXX XXXX with Account Number : XXXX  to validate a debt under FDCPA & 1692G ( b ). They failed to respond with any validation, yet continued to report the debt to Experian and Equifax. This violates the FDCPA and the FCRA & 1681s-2 ( b ).

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 2025-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I originally contacted cash app regarding my account being compromised hacked and somebody transferred to themselves {$500.00} that went on XXXX seconds prior that was sent to me. I talked to about five different people. They only put in a dispute that my account was hacked even though I was disputing the transaction which I called back on XX/XX/XXXX and they finally made documentation that I was disputing a false transaction XX/XX/XXXX. I believe I received a letter that said they determined that I did in fact authorize the transaction which this person also tried to spend XXXX and something dollars on jasmines restaurant somewhere in the world which cash app did deny and I got another letter on XXXX that states I authorized this and I sent it to this person with a XXXX phone. I have never had a XXXX phone and as cash app can see under my account when I set up the account that I have on XXXX XXXX XXXX XXXX phone which I can prove with my cell phone service company. I keep calling support they keep sending me email after email. I just again on XXXX XXXX  received another email that says they closed my account because I haven't responded in XXXX  days. I just called them on XX/XX/year> so how can it be XXXX days? 
If I wasn't adamant that I did not do this transaction I would stop calling. I would give up. I would let it be. I have called for XXXX and XXXX weeks now. I don't get to speak to a manager. They have XXXX or XXXX or XXXX different people who are sending me emails. Can't send them any proof of such as my type of phone. They can see that my mother XXXX XXXX has been the only person I've really done transactions with. They have a documentation that says my account was compromised which I had to send verification through another website with my picture ID with the selfie and me holding my ID which I did and then they finally helped me get back into my account. I don't want an account with them. I want my money back and they are not abiding by a proper investigation. Me able to speak to somebody my side of the story and they are also not following the order that the CFPB had made to them them to do proper investigations and that's why they were fined XXXX XXXX. Something is going on with this company and they are not inviting by anything for their consumers and even on XXXX search it says cash app normally does not side with the victim of hacking so no refund will be given and no investigation will be done properly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not min

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 2025-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash app to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek the appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Bridgecrest Credit Company XXXX XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX Subject : Formal Complaint Failure to Provide Auction Sale Price and Post-Repossession Documentation Dear Bridgecrest Customer Service, I am writing to formally express my dissatisfaction with the handling of my vehicle repossession and to request the immediate release of critical post-sale documentation, including the final auction sale price of the repossessed vehicle. 

My account number is XXXX To date, I have not received a detailed accounting of the sale, including : The final sale price of the vehicle at auction Any deductions or fees applied to the proceeds The calculation of any remaining deficiency balance Under applicable federal and state consumer protection lawsincluding the Uniform Commercial Code ( UCC ) Article 9, the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ) you are required to provide a transparent breakdown of these details. Your failure to do so impedes my ability to verify the accuracy and fairness of your claim for any remaining debt. Furthermore, you are reporting this as an open account which it is not I hereby request that you provide the following within 10 business days of receipt of this letter : A written accounting of the auction sale, including date, buyer, and sale price An itemized statement of fees and charges applied to the proceeds A clear explanation of any alleged remaining balance Should you fail to comply with this request, I will be forced to escalate the matter by filing formal complaints with the Consumer Financial Protection Bureau, the Arizona Attorney Generals Office, and, if necessary, by seeking legal representation to protect my rights.

Please treat this matter with the urgency and seriousness it deserves. I expect a prompt and complete response in writing. If you can not produce these documents, then I demand immediate removal from any and all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Account is time barred, as it has closed in XX/XX/XXXX. XXXX disputes this on XX/XX/XXXX. There has been no response.

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-15 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 writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than XXXX hours which shows first a real person did not investigate but instead an XXXX XXXX According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 
I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for on the FTC REPORT PROVIDE as well. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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 writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than XXXX hours which shows first a real person did not investigate but instead an XXXX XXXX According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 
I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for on the FTC REPORT PROVIDE as well. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
I deposited a verified school refund check via mobile deposit into my Chime account on XX/XX/year>. A Chime representative named XXXX told me the funds would be released in a few hours and that I would receive an email confirmation. That never happened. 

I followed up the next day and spoke to another rep named XXXX, who confirmed that XXXX left no notes, and that my account is clear and in good standing. XXXX even stated that the funds shouldve been released by now, yet she still couldnt provide a clear answer or resolution. 

Ive made multiple attempts to get clarity through both phone and email, but Ive received conflicting answers, been misled, and Ive now lost trust in the safety of my funds. Ive saved screenshots of the pending check, call logs, and detailed notes. 

Im requesting a manual review and early release of funds, or at the very least, a clear resolution with accountability. This experience has been unprofessional and distressing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STELLAR BANCORP INC.
State: TX

Complaint narrative:
I attempted to report fraudulent activity on my account to Stellar bank and the bank 's phone number just goes to a constant busy signal. I called multiple times on XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. The number that I called is the number listed on Stellar Bank 's website : ( XXXX ) XXXX. 

Then I attempted to contact the fraud department from Stellar bank 's website, and they do not have information on their website regarding reporting fraudulent activity ; they just say to contact the bank during regular business hours, even though the fraud occurred outside of regular business hours and I am very concerned that more fraudulent activity may occur as a result in the breach of security. 

Stellar did not respond to phone calls, e-mails or website contacts. 

The fraudulent activity relates to a scam involving XXXX XXXX. 

" Dont Fall for the Viral XXXX XXXX XXXX XXXX Off Sales Its a Scam Photo of author Written by : XXXX XXXX XXXX on : XX/XX/XXXX It started with a social media ad announcing a once-in-a-lifetime XXXX XXXX sale with up to 90 % off online. All your favorite dresses, swimsuits, coverups, and silk shirts by the popular designer supposedly marked down to prices like {$50.00} and {$60.00} XXXX. Skeptical yet intrigued after seeing convincing brand logos and marketing, you click and start shopping. You cant believe the merchandise is just {$29.00}, {$39.00}, {$49.00} when the pricing has clearly been photoshopped from the original {$200.00} to {$400.00}. But the website looks so legit, surely this clearance sale has to be the real thing. After entering your credit card details and personal information, your great deals begin shipping soonor do they? 

What ultimately arrives ( or doesnt ) from the XXXX XXXX 90 % off social media scam reveals an intricate deception designed to steal your money and identity. In this article, we expose the truth behind these viral clearance sale ads and sites that may fool even savvy shoppers. Youll learn exactly how the intricately designed XXXX XXXX scams work and how to avoid becoming the next victim. Just dont expect that {$29.00} silk shirt to end up anything but payment for a hard lesson learned. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc.
State: NV

Complaint narrative:
NOTICE OF DISPUTE, REQUEST FOR DEBT VALIDATION, AND CEASE AND DESIST DEMAND Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, 1692c, 1692e, and relevant provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

To Whom It May Concern : This letter is being sent in response to the debt collection, This is a formal request for : XXXX Account Complete validation and verification of the alleged debt in compliance with 15 U.S.C. 1692g ( b ), including : A copy of the original signed contract bearing my signature. 


A full itemized accounting of the alleged debt. 


The name and address of the original creditor. 


A copy of the complete chain of assignment or sale from XXXX to Client Services or its agents. 


The name and license number of your agency and the collector assigned to this matter. 


Cease and Desist Notice Under 15 U.S.C. 1692c ( c ), you are hereby instructed to cease all communication with me regarding this matter, including telephone calls, written correspondence, or digital outreach, unless providing the requested documentation or giving notice of legal action. 


Reporting to Any Credit Reporting Agencies ( CRA ) If you are currently reporting, or intend to report, this alleged debt to any CRA ( including but not limited to XXXX, XXXX, or XXXX  ), be advised that : You are required to mark the account as " disputed '' under 15 U.S.C. 1681s-2 ( a ) ( 3 ). 


Reporting unverifiable information violates the FCRA and may subject you to civil liability under 15 U.S.C. 1681n and 1681o.

Timely Response Required If you are unable to provide the requested validation within 30 days of your receipt of this letter, you are required to send written confirmation that : The debt is uncollectible, You will cease all collection efforts, and Any and all derogatory reporting to CRAs will be removed and permanently suppressed. 


Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the XXXX  Attorney General 's Office.

Company response to consumer: Closed with explanation