vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: IN

Complaint narrative:
Jefferson Capital Systems has been harassing me for years through mail, email, and phone calls over an alleged debt. Despite my request for debt validation, they have not provided any proof that I owe this debt. Recently, they filed a lawsuit against me, yet I have not received any official court paperwork. However, they continue to contact me, including calling me on a weekend after filing the lawsuit and sending me a letter yesterday offering a lower settlement amount. Their repeated contact after filing the lawsuit and failure to validate the debt violates the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Subject : Request for Deletion of Charged-Off or Closed Account Due to 1099-C Issuance Dear Transunion, I am writing to formally dispute the continued reporting of a closed account on my credit report. According to IRS regulations and the Fair Credit Reporting Act ( FCRA ), a creditor that issues a Form 1099-C for cancellation of debt is acknowledging that the debt has been discharged and no longer collectible. 
The account in question is : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> Amount : {$810.00} Under IRS Code Section 6050P, once a Form 1099-C is issued, the debt is considered canceled, meaning the creditor has forfeited any further collection activity, including reporting the debt negatively on my credit report. Therefore, this account should be immediately removed from my credit file.

Failure to properly investigate and remove this information from my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and I am prepared to take legal action if necessary. If you do not comply, I will seek statutory damages of up to {$1000.00} per violation, in addition to punitive damages, attorney fees, and court costs.

Please conduct an investigation into this matter and provide me with written confirmation of the deletion. If you continue to report this invalid debt, I will have no choice but to pursue all legal remedies available to me.

I expect your response within 30 days of receiving this letter, as required by the FCRA. 
Sincerely, 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 explanation
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. I did not open or approve these accounts and am unaware of their origins. In accordance with USC 1681g, please remove them within 15 days. Enclosed are documents for your review. Additionally, differing account information is being reported to each bureau.

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 2025-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: T.S. Holdings
State: SC

Complaint narrative:
Subject : Dispute of Collection Charge-Off Account Under Servicemembers Civil Relief Act ( SCRA ) To XXXX I am writing to formally dispute a collection charge-off account appearing on my credit report, which I believe has been reported in error. The account in question is associated with I.Q. Data XXXX and was included on my credit report from XXXX. 

As an active-duty service member, I was required to break my lease due to receiving military orders. Under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3955, I exercised my right to terminate my lease agreement without penalty. The SCRA protects service members from financial repercussions when breaking a lease due to military obligations, and as such, I should not be held responsible for any outstanding balance or collection actions resulting from the lease termination. 

I have attached copies of my military orders and broke my lease XX/XX/year> demonstrating that I complied with the legal requirements under the SCRA. I request that this collection charge-off be removed from my credit report immediately, as it is inaccurately impacting my credit history.

Please conduct an investigation into this matter and provide me with the results of your findings. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that this disputed account be corrected or deleted from my credit report. Kindly confirm receipt of this dispute and provide an update on the status of the investigation at your earliest convenience. 

If you require any further documentation or information, please do not hesitate to contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I took out a care credit account at my dentist office. I was never informed of any promotion, I never signed any paper work. The credit was for {$3500.00} dollars. After making regular on time payments the reduced my available credit and started charging me fees, then I was informed of a promotion was running out and I had no way of paying over {$2000.00} in full. I explained I was not aware of any promotion nor did I authorize a promotion, After making several attempts to to resolve the issue the promotion date ran out and they charged me over {$1200.00} in interest.

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 2025-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Revolut Technologies Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding a troubling experience with Revolut ( USA ) LLC, which operates in partnership with Lead Bank ( an FDIC member ), as their underlying banking provider in the United States.

Approximately four months ago, Revolut abruptly closed my U.S. business account without explanation and refused to release my funds. Despite multiple attempts on my part to resolve the issue and provide documentation, including : Bank statements Voided checks Screenshots of my account and transactions Ownership and identity verification documents Revolut continues to claim that I did not provide " sufficient information. '' I have complied with every request they made and submitted all necessary documentation in a timely and transparent manner.

To this day, Revolut has not returned my money, has refused to offer a clear explanation, and has failed to provide a resolution path. As a fintech operating under Lead Banks license and protection, this conduct raises serious concerns about compliance with federal banking regulations, particularly around the fair treatment of customers and access to funds.

I request that the FDIC investigate this matter, ensure that XXXX XXXX XXXX XXXX XXXX XXXX XXXX is fulfilling its obligations, and assist in recovering the funds being unjustly withheld.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NC

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$880.00} XXXX  Date Opened XX/XX/XXXX Balance {$860XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$610.00} **Inquiries*XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX 2023

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 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I received a wage garnishment notice from a judgement that I didn't even know was given. I disputed in XX/XX/year>2024 and asked for validation of debt. I was sent a paper that showed that they purchased a group debt. No information with my name on it or the amount owed. Therefore I wrote back to the collection agency and asked them to cease contact with me due to not validating debt. I also asked them to dismiss the case, due to lack of validaton. They went ahead and filed the garnishment and my employer disputed that too, because I disputed. I have sent them 5 letters regarding the dispute and asking them to cancel the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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 non-monetary relief
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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 non-monetary relief
Consumer complaint received 2025-04-02 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: OH

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing you because my social security number was used fraudulently to open accounts. I believe I am a victim of identity theft due to the Equifax Data breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts listed below, which appears on my Equifax credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
1. 
XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-04-03 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$160000.00} Account number : XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$7900.00} Account number : XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$3600.00} Account number : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX With a balance of {$3800.00} Account number : XXXX XXXXXXXX XXXX XXXXXXXX - Opened XX/XX/XXXX With a balance of Account number : XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$7500.00} Account number : XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$11000.00} Account number : XXXX XXXXXXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$13000.00} Account number : XXXX XXXX XXXX XXXX  - Opened XX/XX/XXXX With a balance {$5200.00} of Account number : XXXX XXXXXXXX XXXX  - Opened XX/XX/XXXX With a balance of {$7900.00} Account number : XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$5100.00} Account number : XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of Account number : XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, # XXXX, # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and 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 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In XXXX, Asset Acceptance , LLC obtained a default judgment against me in Florida without ever serving me or notifying me of the lawsuit. I did not know about the judgment until I received a garnishment notice in XXXX more than 10 years later. 

I filed a complaint with the CFPB in XXXX, and only then did XXXX XXXX dissolve the garnishment. This confirms that they were aware of issues with their claim. 

The debt is over 14 years old and falls outside the Florida statute of limitations ( 5 years for written contracts ). I never had a contract with XXXX XXXX, I do not recognize the debt, and they have not provided any proof, contract, or billing history. 

In XXXX, they attempted to collect again by reactivating the case without addressing the statute of limitations or proper service. 

I have filed a Motion to Vacate the Judgment and am preparing a Counterclaim for Fraud, Abuse of Process, and violations of the Fair Debt Collection Practices Act. 

I respectfully request that the CFPB investigate this company for potentially deceptive and unlawful collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
Hello, Ive received no explanation on why my account is permanently restricted. I've had this account for maybe 6 years with no issue. I not only send/ receive from my family and friends but I also send my rent payments to my landlord this way. So I'm submitting a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Cash App 's refusal to unlock my account or provide any information about the restriction placed on it. I believe this action is unlawful, as I have not been given any justification or explanation for why my account has been restricted. I expect a prompt resolution to this matter, and I am prepared to escalate this further if necessary. Please take this issue seriously and address it as soon as possible. 

My phone is XXXX My email : XXXX and cash app tag is $ sofarsoprettyyyy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/year>, I called Wells Fargo to close my savings account only because I kept getting charged a $ 5 monthly fee. The agent advised the funds in my savings account would be transferred to my checking account first and then he would close my savings account only. I consented to having my savings account closed and the agent advised it would take XXXX hours. On XX/XX/year>, I received a notification that my savings account reached a XXXX XXXXXXXX balance. I called Wells Fargo on XX/XX/year> to ask why the savings account was not closed and why I was still charged the monthly fee for it. The agent advised she would have the savings account closed and the monthly fee reimbursed. On XX/XX/year>, I found out my checking account was closed and my funds were missing. I called Wells Fargo on XX/XX/year> at XXXX to ask why my checking account was closed without my consent and why my funds were taken. The agent could not tell me why the checking account was closed. I requested to have my checking account re-opened and my funds put back. The agent advised I would need to call back and speak with the accounts closure department at XXXX when they open. I called Wells Fargo again on XX/XX/year> at XXXX as I was asked to speak with the account closure department and the agent hung up on me. I called Wells Fargo a third time on XX/XX/year> to once again request help on this matter and to have my checking account re-opened and my funds put back in it since the account was closed without my consent. The agent advised they could not re-open the account and they would mail me a check with my funds at an unknown date. The agent could not tell me why my checking account was closed and I have no access to my funds.

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