vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whatever a Consumer reporting agency prepares a consumer report. It shall follow responsible procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information dispute
d by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The consumer reporting agency shall ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been notified of deleted from the file of the consumer. 

Please remove the following items from my credit report immediately : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: Block, Inc.
State: GA

Complaint narrative:
I made a purchase at XXXX XXXX on XX/XX/XXXX at XXXX XXXX and the food I bought gave me food poison. I called and spoke to a supervisor about my issue and the supervisor told me he would contact me back for a refund and never did. On XX/XX/XXXX I order XXXX XXXX for XXXX and delivery never dropped off food I called and talk to someone on phone name XXXX at XXXX XXXX customer service and she tells me XXXX left food on ac or by my door but when I checked nothing was there. I was scammed. The XXXX did not call me or knock on my door. I would like a supervisor to step in and issue me a refund on both orders. I also contacted my bank at cash app about my issues and they refuse to do anything about it. Everytime I contact cash app about my issues with door dash about their little scams they do nothing about it they let them get away with their fraudelent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THEY HAVE NOT PROVIDED OR UPDATED INCORRECT REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Dispute of Inaccurate Account Credence Resource Manage XXXX XXXXXXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the following account ( s ) currently listed on my credit report : Creditor Name : Credence Resource Manage Account Numbers : XXXX I am not aware of any such debt and have never received proper notice or documentation regarding these accounts. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely and adequate notice of any debt being reported, as well as the opportunity to dispute it before it is listed on my credit file. 

If you believe proper notice was sent, please provide a copy of the original notification, including proof of delivery via Certified Mail and a signed receipt showing I accepted the notice. If no such documentation exists, I respectfully request that you immediately remove these accounts from my credit report.

Failure to verify the validity of these accounts or to respond in accordance with federal law may leave me no choice but to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering additional legal action if necessary.

Please provide a written response within 30 days as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NM

Complaint narrative:
I contacted Cash app when someone that I was trying to help and she took my phone and transferred money from my bank account on XX/XX/XXXX XXXX {$50.00} XXXX {$500.00} XXXX {$50.00} XXXX {$25.00} XXXX {$25.00} XXXX {$25.00} Then this person sent themselves the money to their cash app XXXX {$670.00} I did not authorize these payments transfers or to send her my money. This was my money for rent and bills for the month of XXXX and I live on XXXX and this is all the money I have for the month of XXXX. 

When I seen this and disputed it the next day after escaping her apartment because she had been drugging me and brainwashing me making me believe things that weren't true They responded to my dispute on XXXX saying that they denied my dispute I can't seem to find the reasoning now. 
But I have contacted them many times after saying that the police report has been filed and got the case number talked to customer support again and gave them the case number and I was told that the decision was final and there was nothing that they or I could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-06-09 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally document that Experian is preventing me from disputing items on my credit report through their online system. This restriction is a violation of the Fair Credit Reporting Act ( FCRA ), which guarantees consumers the right to dispute inaccurate or incomplete information on their credit reports by any reasonable means, including electronically. Denying me this option is both unlawful and obstructive to my rights under federal law.

I request immediate removal of any barriers to the online dispute process and full access to my legal rights as a consumer.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Stark Collection Agency, Inc.
State: MI

Complaint narrative:
This debt does not belong to me ive asked for copies oof contract to prove i did not sign nor did i give my consent to open this account. THE STARK COLLECTION AGENCY, have not responded to me this debt does not belong to me. please remove this inaccurate information from credit report. this debt does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: OH

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-06-09 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: OH

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the accuracy and continued reporting of the following closed accounts, which are reflecting late payments on my credit report in violation of federal law : XXXX XXXX Account ending in XXXX XXXX XXXX Account ending in XXXX XXXX XXXX Account number XXXX These accounts are closed, yet they continue to report late payments, which is inaccurate, misleading, and unfairly damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and deletion of any late payment notations associated with these closed accounts. 

Relevant Legal Grounds : 15 U.S.C. 1681i ( a ) Mandates that consumer reporting agencies must conduct a reasonable investigation if a consumer disputes the completeness or accuracy of any item.

15 U.S.C. 1681c ( a ) ( 4 ) Prohibits the reporting of adverse information ( including late payments ) that is more than seven years old from the date of delinquency.

15 U.S.C. 1681e ( b ) Requires credit reporting agencies to ensure maximum possible accuracy of the information they report.

15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ) Specifies that transactions ( including payment history ) that are not currently open or active accounts may no longer be reportable under certain conditions.

Additionally, the continued reporting of derogatory notations on closed accounts may constitute willful noncompliance under 15 U.S.C. 1681n and/or negligent noncompliance under 15 U.S.C. 1681o, if not corrected promptly.

Action Requested : Remove all late payments or derogatory notations associated with the above accounts.

Update the reporting to reflect the accurate closed status, without any ongoing derogatory activity. 

Provide me with an updated credit report reflecting these corrections. 

In accordance with the FCRA, I request that this dispute be resolved within 30 days of receipt. If you are unable to verify the accuracy of these items, they must be promptly deleted from my credit file. 

Please send all correspondence to the address listed above or to my email at XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
We noticed a pending transaction on our Bank of America Checking account ending in XXXX on XX/XX/year> in the amount of {$4900.00}. We then received a text message from Bank of America at XXXX PM saying they had declined this transaction and asking if I had authorized this activity. I answered no. I additionally called Bank of America on XX/XX/year> @ XXXX to advise them that I did not approve or consent to this transaction and asked them not to process the transaction. I was advised that the transaction was processing and that when it was completed I could dispute it. So I told them to stop processing the transaction. Then on XX/XX/year> I saw that the transaction had been approved against my will. We have since contacted Bank of America several times to try to resolve this dispute. They have repeatedly denied our claim. Please find attached the text message, a copy of my cellular phone bill and the transaction. Thank you very much for your help with this situation. 
Best Regards 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 monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Approx XX/XX/XXXX or XXXX, I went to the ATM machine in XXXX XXXX on XXXX XXXX. This wax the last day to pay my car payment, we were still in the Pandemic so getting this money was real hard since there was no work. I had to pawn my wedding band for the money. I think the amount was around {$480.00} or {$520.00}. My car payment at that time came directly out of my BofA account so I had to cover it. I put cash into the ATM machine, like I've done so very many times before. The machine took the money, my ATM card didn't come out right away. I kept pushing the button to release my card. I pushed and pushed for my card. When it came out, no receipt came. I logged into my account, it didn't show the deposit. In a full panic, I ran inside the bank, I got the " Unfortunately '' run around. BofA is not responsible yadadada. I called the bank. After demanding to speak to supervisors, I was told by 3 customer service reps and 3 different Supervisors over a 3 day nightmare that they see I made a deposit, the amount I told them was the amount they saw but Unfortunately, the money didn't go into MY account and there was nothing they could do about it and they couldn't open the Machine. I was not only late with my car payment, when I filed a claim they gave me a temporary credit, said if the ATM company says they didn't see CASH in the machine they will take my credit back. Long story short, BofA credited me, and weeks later said I was at fault, took the money, left me overdrawn, again, I was in tears. The customer service rep said she was surprised they denied me since there is a trail showing I made a deposit, they just didn't know where it went. She said UNFORTUNATELY, I can only dispute the decision. I did. It didn't change. Bank of America robbed me 3 times, I never recovered, I owed two months of my {$520.00} car payment, I eventually lost my car.

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 2025-06-09 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: MD

Complaint narrative:
The XXXX account and XXXX inquiries that are reporting negatively on my EQUIFAX credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( PLEASE SEE ATTACHED )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
The firm filed a lawsuit on two different occasions, I asked for and received verification of the debt, however the firm did not serve me with the complaint and summons, the process server filed an affidavit stating they had served me and without an opportunity to file an answer the firm later file for and received a default for failure to answer. The first lawsuit I filed a motion to set aside the default judgment, before the hearing the lawyer offered to settle the case with a payment agreement, which I agreed to because I did not dispute the debt, now the second lawsuit was filed and the same thing happened again, I was not served, the same process server filed an affidavit stating I was and without any chance to file an answer the firm once again file for and received a default judgment. I filed another motion to set aside the default judgment, the firm did not appear at the hearing, I asked the court that the process server be made available to identify me as the person they served and the hearing is being set up. This firm has now XXXX lawsuits against me and while I do not dispute I feel they should be made to follow the rules set forth concerning collecting these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and discovered several accounts that appear to be fraudulent. These accounts do not belong to me and are negatively affecting my credit standing. 

I kindly request that these unauthorized accounts be investigated and removed from my credit report as soon as possible. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Deposited over {$8000.00} in citi bank and they froze my account for months after multiple phone calls adding up to over XXXX hrs funds were removed from account and accounts closed and they finally sent me checks for changes. XXXX XXXX XXXX and XXXX still lost out on my {$8000.00} deposit which they deemed as suspicious activity and froze the accounts and then forced closed them they caused me to loose my home my car my job and my sanity .. not to mention the over {$8000.00} that disappeared .. kept telling me they couldn't verify me even though I passed all verifications they asked for but wanted me to verify with a letter that came in mail with a reference number on it which never showed and I requested it XXXX different times but it never came although I seem to of got the statements for the accounts also I keep receiving new debit cards and checkbooks which I didn't request, got the card and check books XXXX different times including a new card and check book XXXX XXXXs after the accounts were supposedly closed. Sadly I've lost my {$8400.00} my job my car and my home. Me my wife and XXXX XXXX XXXX daughter were homeless for XXXX XXXX  because of this .. citi bank XXXX be shut down as I seen online I'm not the only person they have done this to. You have to think about the interest they are making on my {$8400.00} now XXXX doing this to millions of customers .. they are rolling in the dough .. they did this to me for XXXX XXXX and getting away with it ... Sham on them and XXXX them down!

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