vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit XXXX to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX  XXXX balance {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: AMERIS BANCORP
State: GA

Complaint narrative:
My bank charged me numerous overdraft fees and I wasn't aware of how the overdraft policy worked i thought it only covered XXXX overdraft. On XXXXXXXX I called Ameris Bank and I went to a physical location and told the manager I didn't want my account overdrafted anymore and that the overdraft policy fees weren't adequately explained to me. He told me that I would be given to overdraft refunds. My account is still being overdrafted and I am still incurring overdraft fees. This bank is predatory and does loom for ways to steal money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: AR

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: AR

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: SC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX  days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: UT

Complaint narrative:
I am unaware of these credit inquiries, which raises concerns of possible fraud. I ask for immediate review and correction. Enclosed are supporting materials for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: CA

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NJ

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
Upon reviewing my recent credit report, I noticed several hard inquiries that I did not initiate or authorize. These inquiries appear to be fraudulent and were not made with my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am writing to formally file a complaint against Resurgent Capital Services for failing to honor a valid, negotiated settlement agreement related to the above-referenced account. 
In XX/XX/year>, I entered into a binding settlement agreement through XXXX XXXX XXXX. Under the terms of that agreement, a lump sum payment of {$3700.00} was made, followed by consistent monthly payments. I have upheld my end of this agreement without fail. Resurgent has accepted and processed all payments to date without returning any funds or raising objections.

At no time did I receive any written or verbal notice indicating that Resurgent would not honor the agreement. To the contrary, Resurgent representatives have acknowledged the settlement during recorded phone calls, explicitly stating that they see the agreement in place with XXXX XXXX XXXX. 
The issue only surfaced after I filed a separate complaint with the Consumer Financial Protection Bureau ( CFPB ), concerning Resurgents refusal to sign a third-party document related to XXXX XXXX. T

his issue was entirely unrelated to the payment terms of my account. Shortly after that complaint was submitted, I was told that the settlement would no longer be honored. This timing strongly suggests retaliatory intent on the part of Resurgent for exercising my right to file a complaint with a regulatory agency. It is deeply troubling that Resurgent continues to accept my payments while attempting to disregard the terms of a valid agreement. Such conduct raises serious concerns about unfair and deceptive business practices and potential retaliation. This settlement was coordinated through  XXXX XXXX XXXX by XXXX XXXX, who can be reached at ( XXXX ) XXXX ext. XXXX or XXXX. I am prepared to provide all supporting documentation, including payment history, correspondence. 
I kindly ask your office to review this matter. My resurgent account XXXX Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: CO

Complaint narrative:
Each month during the XXXX XXXX upon receiving the monthly bill for tuition costs, I visited the Finance office to alert them my family is unable to pay tuition bill until early XXXX. This is due to withdrawals being available only twice a year in a 12-month period and the amount of time that we must wait between withdrawals. 


Another issue was the COF credit not being applied to the tuition bill for the XXXXXXXX XXXX semester. The Finance office advised to file an appeal and that was done early in the XXXX XXXX  semester. 


I was notified that my appeal to have COF funds applied was approved on the last day of the semester. The bill wasnt updated from a balance of {$3400.00} down to {$2600.00} with COF applied until XXXX. However, the account was placed into collections a few weeks later and a fee of {$860.00} was added. 


The issue we have is FRCC was notified each month the tuition payment would be delayed until XXXX but, the COF appeal was not approved until the semester ended and the account placed into collections shortly after the COF appeal was approved and the correct bill amount posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: AL

Complaint narrative:
My personal information was part of the XXXX  data breach and the incorrect information should be remove from my credit report. XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: UT

Complaint narrative:
I am confident this late payment report is a mistake. As a punctual payer, I request its removal and an accurate update to my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
Given my consistent payment history, this late mark is erroneous and misrepresents my record. Please correct it and update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
I am contacting EQUIFAX once again to address my serious concerns regarding the inaccurate reporting of two accounts : XXXX XXXX and XXXX XXXX. Despite my previous disputes, EQUIFAX has failed to take appropriate action to correct or verify these items. Under the FAIR CREDIT REPORTING ACT ( FCRA ), EQUIFAX is obligated to ensure the accuracy and integrity of all information it reports. However, these accounts remain on my credit file due to EQUIFAXs failure to perform a proper and lawful investigation, as required under FCRA 1681i ( a ). 

The continued presence of XXXX XXXX and XXXX XXXX  on my credit report is a direct result of an improper reinvestigation process. EQUIFAX did not provide any verifiable documentation or detailed explanation to justify the reporting of these accounts, which is a clear violation of FCRA 1681e ( b ) requiring reasonable procedures to assure maximum possible accuracy. Additionally, EQUIFAX failed to provide a Method of Verification as mandated by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), further proving that these accounts were never properly validated and should not be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: Block, Inc.
State: GA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I paid a lash technician through Cash App for a scheduled appointment. I was first asked to send a {$30.00} deposit, which she claimed didnt go through. She then asked for the full payment of {$95.00}, which she also said didnt go through. I offered to pay in cash instead, but she said she didnt accept cash. I sent another {$95.00}, which she confirmed was received. I later sent {$100.00} to cover a tip, an added service, and a travel fee. 

On the day of the appointment, she never showed up. She blocked me on all platforms, and I never received any of the services I paid for. I tried finding her XXXX  page on another account after I was blocked, but that wasnt successful. I contacted Cash App to report this issue, but instead of helping me resolve it or investigate the fraudulent user, Cash App closed my account entirely. I submitted an appeal, followed their instructions, and provided all requested information. However, their response was vague and stated only that I had violated the Terms of Service, without providing any details or a chance to respond to a specific issue.

I am the one who was scammed, yet my account was shut down and my appeal was denied without a fair review. I have now lost money as a result of using Cash App and feel that I was unfairly penalized.

Im requesting that Cash App : 1. Provide a clear and specific reason for closing my account.

2. Reopen or reinstate access to my account and/or funds.

3. Assist in recovering the money I lost to this scammer.

I hope the CFPB can assist with this matter, as I have not received any meaningful support from Cash App directly.

Company response to consumer: Closed with explanation