vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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:
The accounts and inquiries listed in my identity theft report were open fraudulently without my consent.

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 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
Account was closed for no specific reason on XX/XX/year>. Notice advised ANY incoming direct deposits will be AUTOMATICALLY returned to sender. Well they lied! Unemployment sent back pay that I was unaware about to my account. This bank took the deposit, applied it to my account and REFUSED to send money via a check! This institution is fraudulent! You cant close my account and then keep my deposits!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX of accounts that have in correct info as well dates

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 2025-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/year> I sent my best friend {$400.00} via CashApp. CashApp immediately marked the transaction under review, they emailed me with the information they needed for their review, I responded immediately. 
After XXXX week, nothing was done with my transaction and my recipient never received funds. I spoke with customer support and at that time just requested my money back, they directed my complaint to a XXXX and he created a claim to expedite the process. Another week and still nothing back from CashApp. Called customer support again spoke with a woman, who said the ticket was never created to expedite the investigation and she was doing that as we were on the phone. I told her again that I just want my {$400.00} back. She said to watch for an email communication. XXXX weeks later and still NOTHING on CashApps behalf. 
I then tried to file a dispute with my bank ( XXXX ) for the amount and they closed the investigation because the transaction was legit on my end. But the money is just sitting somewhere, my recipient never received funds, funds were taken from me and now CashApp is withholding my money for absolutely no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: TFC Credit Corporation of California
State: FL

Complaint narrative:
Per 15 U.S.C. 1666b : ... a creditor may not treat a payment on an account as late unless they have adopted reasonable procedures to ensure that each periodic statement... is mailed or delivered not less than XXXX  days before the payment due date. 
To date, I have not received evidence that any statements were sent at least XXXX  days prior to the due date. Despite good-faith requests, no documentation has been provided demonstrating compliance with this requirement. Therefore, the reporting of any late payments under these circumstances is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Robert A. Schuerger Co., LPA
State: IL

Complaint narrative:
Good afternoon my name is XXXX XXXX and I am writing to you about a collections fee that was added to my debt. It was {$16000.00} and now it is {$20000.00}. I want to dispute part of this debt because I sent a number of text messages asking how do I add a card to pay the fees before I get added to collection fees and they were not being responded to. I lost access to my XXXX student account and tried calling and texting numbers but got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This company has made false statements and is misrepresenting the facts of their alleged debt claim to the credit reporting agencies. They are alleging to be a real party in interest, to which an alleged debt is owed. They have not provided an original contract, that includes my signature, making me liable for a debt they are claiming. They are a third party debt collector, who is not a holder in due course of this purported debt obligation instrument. They have also violated 15 USC 1692g by not provided a validation of a debt under the pains and penalties of perjury.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: MI

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2025-07-19 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: MI

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2025-07-19 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: LA

Complaint narrative:
Account Details : Creditor Name : XXXX XXXX Account Number XXXX Date Opened : XX/XX/2023 Grounds for Dispute : I request that you investigate and remove or correct this entry for the following reasons : XXXX. The school associated with the loan is under active XXXX investigation for XXXX discrimination, which may have impacted my access to fair and equal educational opportunities. 
XXXX. The loan may be fraudulent, unenforceable, or improperly originated due to the schools discriminatory conduct and potential violations of XXXX VI of the XXXX Rights XXXX and other federal regulations. 
XXXX. Under the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( FERPA ), I am requesting a full reinvestigation of this item, including : Verification of the original signed Master Promissory Note ( MPN ) A complete chain of title and assignment of the debt Proof of authorization and informed consent regarding loan disbursement Any correspondence related to loan servicing and communication with the institution Requested Action : Pending the outcome of your investigation, I request the immediate removal or correction of this account from my credit file. I am enclosing documentation related to the XXXX complaint and request that you include this as part of your reinvestigation. 

Please complete the reinvestigation within the time allowed under the FCRA ( 15 U.S.C. 1681i ) and provide me with a written response. Attached is all info to support this claim. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-07-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC
State: NC

Complaint narrative:
I would like to for this Collection Agency ( Reliant Cap ) to give me the original date of this debt, the amount and the account charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Account XXXX # XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper, notification please provide 'Certified mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
On XX/XX/year> I received a letter from XXXX XXXX XXXX  sent to my home address. XXXX letter stated I had recently made a credit application but their review is on hold because my personal credit account file is on security freeze. However, I did not apply for credit of any kind with XXXX. 

I currently have a hold with the 3 major credit bureaus due to previous fraudulent credit card application in my name. However, Im concerned because it appears my identity is being targeted and that a freeze on the 3 major credit bureaus does not necessarily cover all bases. I would like to know what else I might be able to do to protect against this kind of fraud. Further, these banks do not appear to have simple ways on their websites to allow for notification of fraud. 

To be clear, I was not issued a card based on this fraudulent application. I do not wish for any card to be issued based on this fraudulent application. 

Thank you for any advice or help you are able to provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-19 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: MA

Complaint narrative:
I have disputed a closed XXXX XXXX account ( ending in XXXX ) multiple times with both Experian and XXXX Despite my disputes, the account continues to be reported with significant and unresolved inaccuracies across the two bureaus. I recently obtained evidence ( a screenshot ) confirming that this account has been deleted or blocked by XXXX yet Experian and XXXX  still claim they have verified it as accurate. 

The following discrepancies exist between Experian and XXXX reporting of this same account : Different high balances ( {$3600.00} vs. {$3200.00} ) Different last payment dates ( XX/XX/year> vs. XX/XX/year> ) Different credit limits ( {$3200.00} vs. {$0.00} ) Different late payment history ( multiple late payments vs. fewer late payments ) These inconsistencies show that the information is neither accurate nor verifiable. I have requested that the account be deleted due to these material discrepancies and the fact that it is no longer listed on XXXX The reporting agencies continue to verify the account without proper investigation, which I believe violates the Fair Credit Reporting Act ( FCRA ). 

I am seeking deletion of this account from both Experian and XXXX 

Let me know if you'd like to attach the screenshot or add any specific dispute dates to strengthen the complaint.

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 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HEARTLAND PAYMENT SYSTEMS INC
State: DC

Complaint narrative:
Active advantage. Scam. You sued in 2022. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The issues on my credit report did not get resolved during the investigation

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 2025-07-19 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: GA

Complaint narrative:
The issues on my credit report did not get resolved during the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-07-19 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: Monterey Financial Services LLC
State: MI

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: LA

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 am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. 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 enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
Credit Bureaus refuse to remove fraudulent accounts after providing Police Report and FTC identity theft report. Following account is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX {$9600.00} open date XX/XX/year> improper information request to see a debt validation claim US 1692G ask to see a detail for payment history US 609 ask to see original signature Also asked for assurance claim request for a chain of title. Also request for a 1099 tax claim for being sold to another company tax write off..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: OH

Complaint narrative:
I previously filed a complaint about unauthorized hard inquiries on my Equifax report. Equifax responded with a generic explanation and failed to verify that the inquiries were authorized by me. I was never given the opportunity to respond before they closed the case. 

Im disputing these inquiries again and demanding proof of authorization such as signed applications or IP logs from each furnisher ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Equifax can not legally retain hard inquiries they can not validate as permissible under the FCRA 604 ( a ). These are not factual records unless they were lawfully initiated. I request this complaint be reviewed and marked as not resolved unless Equifax provides actual documentation of authorization.

Company response to consumer: Closed with explanation