vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Investment Retrievers, Inc.
State: TX

Complaint narrative:
I requested the original document ( XXXX ) showing the debt amount along with the document to tie the debt to me. They stated a judgement was rendered against without any court documents showing when I failed to appear ( no paperwork, time or datewas provided/received ). The original document used that they provided had my name but not my correct address that the original creditor had processed for the original loan. Company has overdrawn my bank accounts on two separate occasions. The first garnishment request was completed on XX/XX/XXXX for the amount of $ XXXXwhich did not match the amount stated owed ). This placed my account ( XXXX ) in the negative by that amount for both accounts. Also recently as of Friday, XX/XX/XXXX for a garnishment in the amount of {$18000.00} for each of my bank accounts placing both accounts in the negative for the {$18000.00} ( on both of my accounts ). Which has caused major issues regarding my finances and direct withdrawals from my banks accounts. Such a huge issue and disregard for timing, the beginning of the month in addition to the federal holiday without any form of notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: Early Warning Services, LLC
State: GA

Complaint narrative:
Early Warning Services ( EWS ) maintains multiple files under my name with conflicting identifiers ( different SSNs and EIN ). This violates FCRA 607 ( b ), which requires maximum possible accuracy. 

I disputed a XXXXXXXX XXXX account flagged Forced to Present. EWS conducted a reinvestigation ( Dispute ID XXXX ) and reported that XXXX  asserted the record was accurate. No supporting documents, reason codes, or itemization were provided. EWS relies solely on the furnishers word, which is not a reasonable reinvestigation under FCRA 611. If XXXX  can not supply competent evidence, the record must be deleted. 

At the same time, EWS contradicted itself. In their XXXX XXXX XXXX letter, they confirmed that XXXX XXXX XXXX XXXX also asserted its records were accurate, yet EWS still blocked those records as identity theft on XXXX XXXX XXXX ( Dispute IDs XXXX, XXXX, XXXX ). This inconsistency proves EWS applies arbitrary standards. They can not claim they are bound by a furnishers accuracy certification for XXXX, while ignoring the same accuracy claim from XXXX XXXX. 

This inconsistent handling shows that EWS does not follow a uniform reinvestigation process and fails to provide consumers with meaningful relief. Their conduct violates FCRA XXXX  ( b ) and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
As part of the transaction in question, I first transferred funds from my XXXX XXXX account into my Cash App account in order to process the payment of {$680.00}. This transfer was made under the belief that I was securing a legitimate {$5000.00} loan, and that the payment was required for loan insurance. 

At the time, I was unemployed and financially vulnerable. I trusted the individuals involved because their explanation seemed plausible, and I believed the funds were coming from a verified lender. I now understand this was a scambut I want to be clear that the money originated from my XXXX XXXX account and was moved into Cash App solely to complete the transaction they instructed me to make. 

This detail is important because it shows that I was not attempting to defraud Cash App or manipulate the system. I was following instructions I believed were part of a legitimate financial process. The fact that I had to move money from my bank into Cash App to make the payment further proves that I was the one who suffered financial lossnot the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT 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 ONE 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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information, as I am a victim of the recent data breach that has affected numerous individuals. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. XXXX Account Number : XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to my personal information. The breach has compromised my data, and I am concerned about the potential for identity theft and misuse of my information. Please find my details below for your reference : - Full Name : XXXX XXXX XXXX XXXX Social Security Number : SS # : XXXX Date of Birth : Date of Birth XXXX XXXX - Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additionally, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Portfolio Recovery Dear Consumer Finance, I hope this letter finds you well. I am writing to formally demand that you immediately cease and desist from [ describe the specific behavior, infringement, or illegal activity, e.g., using my intellectual property, defaming me, violating my rights, etc. ]. 
It has come to my attention that you have been [ explain the nature of the activity causing harm or dispute, e.g., using copyrighted materials without permission, spreading false information, etc. ], which is unlawful and infringes on my [ rights, trademarks, copyrights, reputation, etc. ]. Specifically, [ provide details of the unlawful action, including dates, evidence, or other relevant information ]. 
As you are aware, [ briefly state the law or regulation being violated, e.g., " this conduct violates the Copyright Act, '' or " this is a breach of the defamation laws in [ jurisdiction ] '' ]. You are hereby directed to : Immediately cease and desist from [ describe specific actions to stop ]. 
Refrain from [ any other action you want the recipient to stop ]. 
Take corrective actions such as [ explain any remedies you expect, e.g., remove infringing content, issue an apology, etc. ]. 
Failure to comply with this cease and desist demand will leave me no choice but to take appropriate legal action, including pursuing [ file a lawsuit, seeking monetary damages, seeking injunctive relief, etc. ]. Please be advised that this letter serves as a formal notice, and any continued infringement or harm may result in further legal consequences. 
I trust that you will give this matter the serious attention it deserves. Kindly confirm in writing within [ x ] days of receiving this letter that you will comply with the demands outlined above. If you have any questions, or if you wish to resolve this matter amicably, please contact me directly at [ email address ] or [ phone number ]. 
This letter is sent without prejudice to any other rights or remedies available to me, all of which are expressly reserved. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$390.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX,, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To : [ Experian / Equifax / TransUnion ] Subject : FINAL DEMAND Removal of Fraudulent and Re-Aged Accounts Dear [ CRA ], This letter serves as a final demand. You are knowingly reporting fraudulent, re-aged, and contradictory accounts that materially damage my creditworthiness. This is not an error it is a willful violation of federal law and Metro 2 compliance requirements. 

DISPUTED ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIOLATIONS FCRA 1681e ( b ) : Failure to maintain maximum accuracy.

FCRA 1681i : Refusal to reinvestigate disputes properly.

FCRA 623 ( a ) ( 5 ) : Illegal re-aging of tradelines.

FCRA 605 ( a ) : Reporting obsolete accounts past the 7-year limit.

FDCPA 807 : Misrepresentation and deceptive collection activity.

Metro 2 : Contradictory reporting across CRAs, non-uniform status reporting.

DEMAND FOR ACTION I am not requesting correction. Correction is unacceptable. I am demanding immediate and permanent DELETION of all accounts listed above. 

You are hereby placed on notice that if these accounts are not deleted within 30 days of receipt of this certified letter, I will : 1. File additional complaints with the CFPB and state Attorney General.

2. Initiate litigation in federal court seeking full remedies under FCRA 616 and 617, including actual damages, statutory damages, punitive damages, and attorneys fees.

3. Pursue claims for defamation of character and willful negligence. 

Consider this your final warning before litigation. If these accounts remain, you will be held liable for knowingly publishing false information in violation of federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Subject : Dispute of Inaccurate Account Reporting To Whom It May Concern, I am writing to dispute the accuracy of the account reported by Caine and Weiner on my TXXXX XXXX XXXX XXXX  credit report. Neither Caine and Weiner nor XXXX XXXX XXXX XXXX provided me with the disclosures required under federal law prior to reporting this account. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), consumer reporting agencies must conduct a reasonable investigation of disputed information. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ), a debt collector is required to provide a written notice containing specific information regarding the debt before taking collection action.

I further note that verification under the FCRA requires attestation or certification of accuracy, as recognized in Rosengarten v. McDonald ( Case No. 14-1256, 2015 ), and this standard has not been met in this instance. 

I request that XXXX XXXX XXXX XXXX  and Caine and Weiner provide proper verification of this debt, including the documentation used to report it, or remove the account from my consumer report. 

Please find attached copies of my government-issued identification and proof of residency to verify my identity. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA

Complaint narrative:
In XXXX, I successfully paid off the balance, but there was an error on my part. I inadvertently provided the incorrect account number, which was the account I had set up for XXXX to pay off the balance. This account was new, and I had made the payment on the same day. 
After receiving the new account, I provided the incorrect account number. I initially thought everything was in order, as I had paid off the balance on the same day. However, a few days after the payment was returned due to the incorrect account number, the company reported it as delinquent to my credit bureau. This was incorrect, as I had already paid off the balance. 
I promptly notified the company in XXXX that the error was incorrect. I had always made timely payments, and this was merely a minor mistake. The company decided to report the error to the credit bureaus, and now it appears as delinquent on all my credit accounts. 
According to the company, the error is still in the process of being disputed, and they are uncertain whether it will be resolved. This is unfortunate, as it was a simple mistake. It is not because I was delinquent with the account or did not pay off my balance ; I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Porch Pirates charged my account. I filed a dispute with Citizens Bank in XXXX XXXX XXXX. I was advised it would take 6-8 weeks to resolve & finalize. I received a letter dated XXXX indicating a check was issued in the amount of {$43.00}. I have not received a check. Ive contacted Citizens several times. My last attempt on XXXX spending 1 hour & 20 minutes without resolution. I was placed on hold for over 40 minutes. After about 20-25 minutes, the hold music stopped but the call was still connected. No one would respond. They have failed to resolve this dispute in the promised timeframe & have not sent me a check as indicated in XXXX letter. Their hold time is extensive & I refuse to continue to waste my time. My accounts are closed with them because of their horrible service. I feel they are just stringing me along hoping Ill give up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I got a letter from my tax assessor 's office that there was an overpayment made on property taxes for tax year XXXX. For me to request a refund, I had to get a waiver letter from Shellpoint releasing me to have the money given directly to me in my name. This is the only option because I have since refinanced my loan with another mortgage company. I made this request on XX/XX/XXXX by phone. On XX/XX/XXXX, I got a letter acknowledging my research case was opened. I got another letter on XX/XX/XXXX indicating that my issue was a complex matter and they needed more time to research. Here we are in XX/XX/XXXX and I got ANOTHER letter ( dated XX/XX/XXXX ) stating the same thing. I am calling over and over and I keep getting a message that they are " experiencing issues '' and getting disconnected. I am not understanding why this is such a " complex matter '' that it would take multiple months and letters to resolve. They no longer hold my mortgage and were paid off in full, they have no claims to this small refund ( under {$70.00} ) and all I need is a letter stating such.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: IL

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act. 
Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : 1. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation