vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 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: NV

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I got the Loan of XXXX to help pay off rent because I am struggling. When I got loan they didnt show me no charts or information on the interest that came with loan or I wouldve never got it. Turns out now I got ta pay {$210.00} every two weeks for 6 months. Now I am struggling even more with those payments money I dont have

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: NV

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 2025-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint regarding the account reported by CAPITAL ONE ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), opened on XX/XX/year> with a balance of {$1100.00}, which is being reported as a charge-off. I have no knowledge of this account and have never entered into any agreement or financial relationship with CAPITAL ONE that would result in this charge-off. The reporting of this account is false, unverified, and a direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) for failure to ensure that only accurate and verifiable information is furnished to consumer reporting agencies. 

This inaccurate charge-off has caused significant harm to my credit score and financial reputation. CAPITAL ONE has failed to provide any signed contract, billing record, or documentation verifying that this debt is mine or that the reported charge-off is valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: WA

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: VA

Complaint narrative:
I have been battling Direct express since XX/XX/year>. When I had multiple requests for money on my cash app account that was connected to my direct express card. 
I resolved the issue with cash app and direct express closed my account kept my money it was approximately XXXX {$700.00}. 

It has been an ongoing nightmare I have identified myself more times than I can count though verifyme. When I call they always asked for a different way to send documents. I sent all required forms and documents. They disqualified my ID because it's in black and white. I'm in Virginia all of our id 's are in black and white. I tried numerous times to explain this. I have been back and forth to the social security office and they say there is nothing they can do. I was told to report the issue. At this point I believe they never intended on returning my money.

Which is incomprehensible all they have to do is send it to social security. I deeply feel this is fraud on their side. My social security now comes through cash app. And direct express will not send my money to social security. I am beside myself. It's hard enough to live on social security. I was kicked out of my apartment because I was unable to pay my rent and got behind. 
Please, please help me here. I have no options left.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
That debt doesn't belong to me. 
It's an identity theft Someone had been using my name to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This bank just closed and blocked my bank account without any reason and at this time has passed many several months and they just not send my refund check with my avaliable balance held at the moment of closure, already called and contact many times and they just refusing solve anything or explain anythin so i just need my money so my unique request is the issuing of my refund check from this bank to my address on file with expedite shipment if is possible so wait for my money held there that are about XXXX or close to this amount, I hope for solution of this frustratingg situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Charges shown on my card are not mine Not able to settle since last XXXX months

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 2025-11-01 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Resurgent Capital services acknowledged my request to cease and desist communication on XX/XX/year> but allowed XXXX, XXXX XXXX XXXX, XXXX to contact me XX/XX/year> without any request from the consumer, which violates 15 U.S. Code 1692c - Communication in connection with debt collection. 

Resurgent Capital Services, XXXX XXXX XXXX XXXX and Lvnv Funding is liable under 15 U.S. Code 1692k - Civil liability Which states any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arcon Credit Solutions LLC
State: KS

Complaint narrative:
On XX/XX/XXXX, I received your initial communication dated XX/XX/XXXX regarding the above-referenced account. This letter is to inform you that : XXXX. I formally dispute the validity and amount of this alleged debt, and XXXX. I am invoking my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) to request full debt validation, and XXXX. I demand that you cease all further communication except as permitted by law. 
Grounds for Dispute Identity Theft and XXXX This account has been actively disputed since XX/XX/XXXX as a result of credit card fraud. The charges were incurred while I was on active full-time XXXX medical support XXXX out-of-state and were not authorized by me. I sent the original creditor, XXXX XXXX XXXX XXXX dispute letters against the individual charges, a signed FTC Identity Theft Affidavit and Police Report. I have since disputed these charges many times over the years, yet XXXX has failed to abide by federal law in conducting a thorough and appropriate investigation. Legally, XXXX was required to provide you with copies of all disputes, including these documents. 
Despite these filings, XXXX XXXX XXXX XXXX failed to conduct a proper investigation. I am not responsible for this debt. 
Upon your verification and validation of this debt, I will provide a list of all charges individually disputed and proof of XXXX to correspond that all disputed charges occurred during XXXX. 
Request for XXXX XXXX FDCPA ( 15 U.S.C. 1692g ( b ) ) In accordance with federal law, I request the following : XXXX. Documentation showing that I agreed to and am legally obligated for the debt, including a copy of any signed agreement with a wet signature. 
XXXX. A complete chain of titles proving legal transfer of the account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and evidence of your authority to collect on its behalf. 
XXXX. An itemized breakdown of the amount claimed, including all fees, interest, payments, or adjustments. 
XXXX. Evidence that the debt is within the statute of limitations for collection under Kansas XXXX. 
XXXX. Any and all communications or billing records that allegedly link me to the disputed charges. 
Cease and Desist Communication Request Pursuant to 15 U.S.C. 1692c ( c ), you are hereby notified to cease all further contact with me, except to : Confirm receipt of this dispute and validation request, or Notify me of specific legal remedies you intend to pursue.

All communications must be in writing. Do not contact me by phone, email, or text message. 
Do not contact any other persons or companies or agencies in an attempt to reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Started dispute and requested information and disclosure pertaining information about fees and incorrect payments of principal and interest not made to account. Requested payoff information and Immediately the account was charged off. Multiple inaccuracies in credit reporting since account inception.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: FL

Complaint narrative:
I am an Identity theft victim!! ! After reviewing my current credit report I see my credit has been compromise and needed the following corrections done immediately : Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX # XXXX,. XXXX, XXXX XXXX XXXXXXXX. According to the 15 U.S. code 1681c-2, 15 USC 1602 p and 15 USC 1692c . 15 U.S. code 1681b, 15 U.S. code sec 1681i FCRA 611. Please fix this matter immediately and this has been reported for further investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: FL

Complaint narrative:
I am an Identity theft victim!! ! After reviewing my current credit report I see my credit has been compromise and needed the following corrections done immediately : Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX. XXXX. Collections : XXXX XXXX # XXXX,. XXXX, XXXX  # XXXX. According to the 15 U.S. code 1681c-2, 15 USC 1602 p and 15 USC 1692c . 15 U.S. code 1681b, 15 U.S. code sec 1681i FCRA 611. Please fix this matter immediately and this has been reported for further 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 non-monetary relief
Consumer complaint received 2025-11-01 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: WA

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: MD

Complaint narrative:
Well I've sent {$670.00} money transfer in Remitly on the XXXX of XX/XX/year> and said it will be delivered and delayed and asked for cancelation request and they said it will be canceled up to now, still haven't received my refund back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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:
I tried to resolve the issue XXXX times with cash app. First I spoke with someone through their chat on the app. I sent them proof of information that there were XXXX payments XXXX of {$48.00} and the second of {$16.00} Taken out of my account twice. This showed up on the statement. And did not show up on the recent history. It only showed up XXXX time on the recent history, but when I took a look at the statement, it showed that it was being taken out twice. For the same amount. Once I sent them this documentation, they tried to redirect me to XXXX apps borrow agents, which are only available to speak with through email. So, I tried to reach out through phone and spoke with another agent and they told me the same thing once I told them that there were multiple transactions for the amount stated above. I asked why can I not speak to someone? They said they only communicate through email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am an Identity theft victim!! ! After reviewing my current credit report I see my credit has been compromise and needed the following corrections done immediately : Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Collections : XXXX XXXX # XXXX,. XXXXXXXX XXXX XXXX XXXX 
According to the 15 U.S. code 1681c-2, 15 USC 1602 p and 15 USC 1692c . 15 U.S. code 1681b, 15 U.S. code sec 1681i FCRA 611. Please fix this matter immediately and this has been reported for further 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 2025-11-01 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX USC XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-11-01 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Pulling my credit report I noticed this account and do not recognize creditor or acct # or opened date of 2025. I believe this is identity fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Credence Resource Management is making a derogatory mark on my credit report for a debt i am not responsible for. They can not provide proof that I am responsible for the debt and it needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief