vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I am not a part of the companys client. One day, they sent their maintenance guy to install their box without my consent. I told them that I have my internet, and I am not their customer. Unfortunately, they left the box in my house. The man asked me to call them. I asked him to take their box, but he refused. I have been calling them since their maintenance associate left my house, but they keep playing with me on the phone. They promise me that they will send someone to pick it up, They never sent anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Winklevoss Exchange LLC
State: SD

Complaint narrative:
Product : Bank account or service Issue : Problem with a bank account or service Company Name : XXXX XXXX XXXX XXXX XXXX  ( and optionally, XXXX XXXX ) What happened : I have been a customer of XXXX  XXXX XXXX for over 4 years. On [ XXXX XXXX  ], I transferred {$1200.00} from my long-linked checking account into my XXXX  account to buy cryptocurrency. After the transfer, I was blocked from making any purchases XXXX  restricted my account to withdrawals only without warning or explanation. 

At the same time, XXXX  reported that my bank account needed to be re-authenticated. I went through the full XXXX authentication process ( used by XXXX  ), and XXXX confirmed it was successful. However, upon completion, XXXX  displays an error message saying : " XXXX  does not support your account linking. '' This is incorrect. My bank account has been used successfully via XXXX on many other platforms, and I have never had an issue. It had also been linked on XXXX  for years. 

Now I am unable to : Use my own {$1200.00} to buy XXXX Withdraw it back to my bank account Link any other bank accounts ( XXXX  returns errors ) Initiate a wire transfer ( page crashes on XXXX  platform ) XXXX  support has been unresponsive and has provided no explanation. My money is effectively frozen in the platform. 

Because this involves ACH transfer issues, possible mishandling of account linking through XXXX, and unexplained platform restrictions, I am seeking help through the CFPB.

Company Response Requested : I would like XXXX  and/or XXXX to explain : Why my successfully authenticated bank account can not be used. 

Why my account was restricted without cause or notice. 

How I can access or withdraw my own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I was approved for a credit card from Victoria Secret and I had it for about XXXX  months before I used it. I try using it at the store they claim it was activated I called several times saying It was activated then I call them and they say we closed ypur card didn't give me a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
The debt does not belong to me and they keep calling. Without my written consent it's illegal for a collection agency to buy up my debt and come after me. Asking to be deleted from credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have encountered numerous issues with Cash App since XXXX, which have left me without a means of contacting their support team. This situation has prevented me from establishing an alternative account, thereby exacerbating the ongoing challenges I face.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized account information reporting to my credit report. These inaccuracies have been detrimental to my life and credit health.

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 2025-06-12 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: AZ

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXXXXXX XXXX Account # : XXXX XXXXXXXX XXXX  Account # : XXXX AL XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Re : Cease and Desist Unlawful Debt Collection Communication To Whom It May Concern : I am writing to formally demand that Credit Collection Services immediately cease and desist all communication with me regarding any alleged debt. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

You are legally required to stop all attempts to contact me by phone, mail, email, or any other means. This includes calls to my home, cell phone, or place of employment. Continued communication will be considered harassment and a direct violation of federal law. 

If you believe that I owe a debt, you must provide written verification of the debt as required by 15 U.S.C. 1692g ( b ). If you are unable to provide verification, you must cease all collection efforts. 

Failure to comply with this request may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office. I also reserve the right to pursue legal action. 

This letter serves as your final notice. Govern yourselves accordingly.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX - Balance : {$550.00} - Account # : XXXX XXXX XXXX - Balance : {$0.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX, XXXX XXXX, XXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: MOHELA
State: AZ

Complaint narrative:
I am formally disputing inaccurate late and duplicate payment information reported on my credit file under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1666b 15 U.S. Code 1681i and 1681s-2 The following account ( s ) are being incorrectly reported with late payments : Creditor : MOHELA Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date ( s ) of Alleged Late Payments : Date ReportedXXXXXXXX  MOHELA is reporting the same account more than once, which is inaccurate, misleading, and a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting immediate and complete deletion from all credit reports across all credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TN

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

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 2025-06-12 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: TN

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
Im contacting you because Ive found wrong and damaging information on my credit report, and Im not going to let it slide. This matter is urgent, and I expect it to be taken seriously and handled without delay. 

Specifically, there is an entry on my report that is completely inaccurate and does not belong to me. Whether it was the result of clerical error, misreporting, or worseunauthorized or fraudulent use of my identitywhat matters now is that its false, and it needs to be removed. 

I am officially disputing this information and demanding a full investigation and permanent deletion of the account in question. I never opened this account, never approved it, and have no connection to it. Its presence on my credit report is both incorrect and harmful, and it is affecting my creditworthiness through no fault of my own.

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 2025-06-12 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: NJ

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was paid on time. the consumer reporting agencies need to report all information with complete accuracy. this account on the following dates XX/XX/scrub>XXXX XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. if this information can not be verified I demand these payments be updated to be paid on time immediately. thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: MA

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I disputed this account with XXXX  on or before XX/XX/year>, and the company has failed to provide any valid documentation. I requested verification of the debt and asked them to provide a signed contract, billing statements, or itemized proof that the debt belongs to me. As of today, the company has not responded with the requested documentation. 

This account was previously disputed and marked consumer disagrees, yet no real validation or updated information has been provided. I believe this debt should not be reported due to lack of compliance with FCRA. Please remove unless full documentation is provided. 

This complaint concerns the following account : PORTFOLIO RECOVERY XXXX XXXX ( {$660.00} ). Reported by : Portfolio Recovery Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my last and final letter to your non-compliant company before I proceed with legal action against all parties involved. Please be advised : I have every intention of following through to protect my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). I have sent your company multiple lettersspecifically in XX/XX/XXXXXXXX  and XXXX XXXXrequesting that you investigate a list of inquiries appearing on my credit report, which I believe were made without my consent or authorization. Your continued failure to respond or take action is a direct violation of the FCRA and will not be tolerated. According to the FCRA, a company must have a permissible purpose to access a consumer 's credit file. Permissible purposes include a credit application initiated by the consumer, employment screening ( with written authorization ), insurance underwriting, or a legitimate business transaction initiated by the consumer. None of these conditions apply in my case. I did not apply for credit, seek employment, request insurance, or initiate any form of business with the companies listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Ive made multiple attempts to contact these companies directly using the contact information listed on my credit reports. Many of the phone numbers were incorrect or disconnected, and those I was able to reach had no record of me in their systems. If these entities can not identify me as a consumer, they had no lawful reason to access my credit file. Youve had more than enough time to investigate these matters. I am giving your company 15 days from receipt of this complaint to provide results of your investigation. If I do not receive a proper response, I will move forward with filing suit and also submit formal complaints to the Federal Trade Commission ( FTC ) and the XXXX XXXX XXXX XXXX XXXX XXXX. Attached are copies of the letters previously sent for your reference. As I stated, I have already given your company quite enough time to investigate the items in question, but I am willing to give you one more chance. If I do not receive results of your investigation within 15 days of receipt of this letter, I will be forced to file suit against your company. I will also be contacting the XXXX XXXX XXXX  and the Federal Trade Commission. Both letters that were sent in XX/XX/XXXX, and XX/XX/XXXXXXXX  are attached for your reference.

Company response to consumer: Closed with explanation