vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 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: SC

Complaint narrative:
Dear Sir/Madam, I am disputing the reporting of XXXX XXXX, Acct # XXXXXXXX XXXX XXXX ( Balance {$5900.00} ) * *. This account contains factual inaccuracies and contradictions across the credit bureaus, making it unverifiable under the Fair Credit Reporting Act ( FCRA ).

Opening Date Conflict : TransUnion lists XX/XX/2022, while Experian and Equifax both list XX/XX/2022. An account can not have two different opening dates ( FCRA 607 ( b ) requires maximum possible accuracy ).

Account Status Inconsistencies : TransUnion reports Charged off as bad debt / Profit and loss write-off, Experian reports Unpaid balance reported as a loss by the credit grantor, while Equifax reports Charged off account / Credit card. These inconsistent descriptions violate FCRA 623 ( a ) ( 1 ) ( A ) because furnishers can not report misleading or false information.

Payment History Contradiction : Equifax reflects OK history in months while the account is simultaneously listed as charged off. A charge-off can not show as current, which makes the account inaccurate and misleading. 
Balance vs. Past Due Conflict : The account is closed and charged off, yet it still reports the entire balance ( {$5900.00} ) as past due. This is inaccurate and violates FCRA 623 ( a ) ( 1 ) ( A ).

Because of these issues, this account is inaccurate, unverifiable, and misleading under FCRA 611 ( a ) ( 5 ).

I am requesting permanent deletion of this tradeline from my credit file.

If this account is not removed, I will escalate further with the CFPB, FTC, and South Carolina Attorney General and seek remedies under FCRA 616617 for damages and legal costs. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Fraudulent Collection Account Reporting Violation of FCRA XXXX XXXX XXXX ( Original Creditor : TXXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Date Opened : XX/XX/year> Original balance : {$570.00} XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX ) Account number : XXXX Date Opened : XX/XX/year> Original balance : {$240.00} Statement : I am filing this complaint because a fraudulent collection account is being reported on my credit file. This account does not belong to me and is the result of identity theft and/or inaccurate reporting. Despite disputing with the credit reporting agencies and the collection agency, this account remains on my report in violation of federal law. 

Violations : 1. * FCRA 602 ( A ), 15 U.S.C. 1681 ( a ) * Congress recognizes the need to ensure fair and accurate credit reporting. Reporting fraudulent information defeats the purpose of fair reporting.

2. * FCRA 611 ( a ), 15 U.S.C. 1681i ( a ) * Credit bureaus are required to conduct a reasonable reinvestigation of disputed information. The reporting agencies have failed to properly investigate or provide verification of the alleged debt.

3. * FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) * A furnisher ( the collection agency ) may not furnish information on a c

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Block, Inc.
State: CA

Complaint narrative:
Attempted to cashapp XXXX XXXX XXXX {$300.00}, the transaction failed on XX/XX/year>. Cashapp stated a refund was submitted to my bank card ending in XXXX on XX/XX/year> at XXXX XXXX  deposited as a EFT; told me to check with my bank. I called my bank today and was told no refund was made nor is it pending. 

Cashapp maintains the bank was refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: WA

Complaint narrative:
There was a false late payment submitted to my credit report .. all my car payments have been paid on time please update my credit report thank you the month of XXXX was paid ON TIME.

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 2025-08-24 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$3800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
This account may be fraudulent. I have no dealings with third-party collection agencies and have never signed a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with XXXX XXXX XXXX {$47000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-08-24 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: VA

Complaint narrative:
Pursuant to the doctrine of estoppel by silence, as established in the case of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I hereby assert that I have not provided any acknowledgment or evidence of the alleged debts, and thus I am presuming that no such debts exist.

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 2025-08-24 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: VA

Complaint narrative:
Pursuant to the doctrine of estoppel by silence, as established in the case of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I hereby assert that I have not provided any acknowledgment or evidence of the alleged debts, and thus I am presuming that no such debts exist.

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 2025-08-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
I found the dispute with Money Network and I was told to submit a a dispute letter and I did they reverse the charges but now theyre telling me that my account is on hold and that is where I get my unemployment benefits to, and I also asked them to close the account and they said they will not be able to close the account because its a hold on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: MS

Complaint narrative:
I Had A Couple Transactions That Wasnt Mines And I Told The Rep about It I thought my money was going back on my card and it didnt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Re : Cease and Desist Demand for Account No. [ Last XXXX digits of account number ] Dear Sir or Madam, I am writing to formally request that all communication from your agency regarding the above-referenced account, which you claim is owed to XXXX XXXX XXXX XXXX XXXX immediately. 
As permitted under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you stop all further attempts to collect this debt, including phone calls, letters, and any other communication, whether direct or indirect, related to this matter. I am also requesting that you cease any further reporting of this account to credit bureaus. 
Please be aware that any future contact or attempt to collect this debt without proper legal grounds will be considered harassment and may result in legal action. 
If you believe I owe this debt, please provide verification, including a copy of the original contract or signed agreement between myself and XXXX XXXX XXXX, as well as a detailed statement showing how this balance was calculated. 
If this account is being disputed or handled differently, please communicate accordingly. 
Thank you for your attention to this matter. I expect your prompt compliance with my request. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/year> Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
I was pre-approved for a Discover It card, and while I have provided two documents, which the company have required to verify my identity, Discover would still not allow my usage of the card. 

First time I uploaded the documents, which included the form Discover required, with the Notary 's business card info and his commission number, a California Acknowledgment Civil Code SS 1198 form Stamped by the Notary with his credentials. Their so-called security protection department could not find my uploaded documents. 
They then said to upload the verifying documents the second time, which I did. I checked up on the status of my ID verification after three days and this time I was told that in order to verify my ID, they need to contact the notary. I submitted the documents, which they requested and have proven my identification. This company is treating the notary as if he's a fake, and I'm looking like a criminal. 

Now, they're telling me to go to another notary and upload a new set of documents because they couldn't contact the first notary. It defeats the purpose of the notary 's job by calling the notary to verify he's a real notary while his commission number is stamped on the documents. This Discover company is just giving me the run around and treating me as a criminal. I will let other agencies know about this company 's deceptive practices. I'm sure this company has treated other people in the same way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DreamSpring
State: TX

Complaint narrative:
This Cease and Desist Letter was sent in regards to account amount {$66000.00} Opened on XXXX XXXXXXXX XXXX 

To : ACCION NM XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NM XXXX ( XXXX ) XXXX Re : Cease and Desist of Harassment and Unauthorized Communication Dear ACCION NM, This letter serves as my formal Cease and Desist request pursuant to 15 U.S. Code 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). I hereby demand that you immediately cease all communication and collection activities with me regarding any alleged debt. 

Under federal law : A debt collector may not communicate further with a consumer once the consumer has notified them in writing to cease communication, except to : 1. Advise that further efforts are being terminated ; 2. Notify that specific remedies may be invoked ; or 3. Notify that the creditor intends to invoke a specified remedy. 

Additionally, any further actions such as : Harassment by phone, email, or mail, Unauthorized or inaccurate reporting to credit bureaus, Contacting third parties regarding this matter are strictly prohibited under the FDCPA and may constitute violations subject to civil liability, penalties, and damages. 

If you believe this alleged debt is valid, you are required under 15 U.S. Code 1692g to provide written verification of the debt, including the name of the original creditor. Until such verification is provided, you must cease all collection activities.

Failure to comply with this Cease and Desist request will result in me pursuing all remedies available under state and federal law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office. 

This letter is written in good faith with the expectation that you will honor my rights under the FDCPA. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a notification from discover saying that a hard inquiry from Capital One was placed on my account. I contacted them and eventually got on a conference call with Capital One and they removed the inquiry from my exerian report I believe. But I haven't touched my credit score or anything since I first got my XXXX credit card and I have no affiliation to Capital One. I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file.

I was told to submit a report through here but I am also not even sure if I am doing this correctly. I've never had this happen before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to 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 2025-08-24 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 found a moving company called XXXX XXXX to help me move some medical office supplies from NC to GA. The move was to take place on ( XX/XX/year> ). I spoke with associate, XXXX, who claimed the company was local to NC and could easily assist in the move on my given date. They requested deposit through CashApp in the amount of {$700.00} that was completed on XX/XX/year>. This proved to be a mistake because when I looked up the DOT number that this company provided, they have XXXX drivers, XXXX trucks and XXXX inspections listed per law to be able to run a moving company ( I will attach screenshots to substantiate this ). I was also promised a flat fee for the move of {$1900.00} and after receiving the deposit it changed to a a variable fee of {$4.00} per cubic foot after a certain square footage that they arbitrarily came up with. Classic fraud and bait and switch. I kindly requested to cancel everything through XXXX on ( XX/XX/year> ) and explained to her the aforementioned reservations I was having about the company ( I have screenshots to substantiate this ). XXXX unable to reach them now. I then went to CashApp and initiated a claim ( on XX/XX/year> ) to resolve this and get my money back. They have since denied the claim on ( XX/XX/year> ). Ive requested documentation as to the reason for the denial and sent in for an appeal on ( XX/XX/year> ). Ive also spoken to many associates at CashApp ( between XX/XX/year> and XX/XX/year> ) over the phone and they all but confirmed that they dont actually investigate claims and that once money is sent, thats it. If they have a claim provision, however, as a company being ran with supposed FDIC insurances, they should do their due diligence to look into problems, see if the goods/services were actually rendered and what went wrong to try to rectify the situation. I will also be reporting CashApp to the better business bureau for poor business practices.

Company response to consumer: Closed with explanation