vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My XXXX XXXX seems to take significant hits with all XXXX credit reporting agencies. Recently I had student loans reported as late to all XXXX agencies and they all decreased my score by almost XXXX points. Recently I a credit card I received a year ago charged me an annual fee that I was not aware of and my score went down another XXXX points for paying late. All my accounts that I have are all in good standing ; credit cards, car loan and mortgage. These XXXX items hit my score so hard I am now in the mid XXXX from an almost a XXXX score. To top it off I just paid down my credit cards and my score decreased another XXXX points! I feel like I am being discriminated against because I am XXXX. I have friends that are white and none of them have their credit scores hit for more than XXXX when they have been late paying. XXXX friend in particular is in foreclosure. Has not paid his mortgage in XXXX  years and his XXXX XXXX is a XXXX! How is that even possible besides there being some discriminatory practices going on with the credit agencies? Not only that, I was just told by my student loan company that if I was on state assistance they would remove the negative reporting from account but since I do not receive assistance they cant help me. This is all discrimination. I would like TransUnion, Equifax, Experian and XXXX financial investigated for racially profiling me as a consumer of XXXX and of being a working class citizen.

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 2025-06-08 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: DISCOVER BANK
State: GA

Complaint narrative:
I am the beneficial owner of a financial account ending in XXXX. I have discovered that Discover Bank, along with their legal representatives XXXX XXXX XXXX XXXX, may have engaged in unauthorized use of my financial instruments including the collateralization and securitization of a promissory note without my informed consent or disclosure. 

Despite multiple written notices and demands for verification, Discover Bank has failed to provide : A certified copy of the original signed promissory note, Full accounting or chain of title records, Disclosure of any trust assignments, securitization transactions, or CUSIP identifiers, Proof of their legal authority to report negative information to credit bureaus. 

These omissions violate my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and Gramm-Leach-Bliley Act ( GLBA ). 

Additionally, they have continued reporting derogatory or charged-off status to credit bureaus without verifying the legitimacy of the debt, despite possible discharge via IRS Form 1099-A or 1099-C. I have not been given the right to challenge this information through verified documentation, which is required under 15 U.S.C. 1681i and 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: HI

Complaint narrative:
Request for Immediate Removal or Correction of Negative Information Under Section 605-B of the FCRA To Whom It May Concern, I am writing to formally request the immediate removal or correction of certain negative information on my credit report, in accordance with Section 605-B of the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 605-B, negative information that has been reported for longer than seven years must be removed from a consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: HI

Complaint narrative:
Request for Immediate Removal or Correction of Negative Information Under Section 605-B of the FCRA To Whom It May Concern, I am writing to formally request the immediate removal or correction of certain negative information on my credit report, in accordance with Section 605-B of the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 605-B, negative information that has been reported for longer than seven years must be removed from a consumers credit report.

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 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WHEELS FINANCIAL GROUP, LLC.
State: VA

Complaint narrative:
I HAVE REPEATEDLY TOLD THIS COMPANY THAT I NEVER HAD ANY DEALING WITH THEM THEY KEEP HARASSING ME I TOLD THEM MY IDENITY WAS BREACH I RECEIVED A LETTER SAYING THAT ME DEDIT WAS AFFECTED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: Block, Inc.
State: CA

Complaint narrative:
I ordered products online and the products were never delivered. Once I reached out to Cashapp. They denied my dispute. I mean that they have received information from the. It never received my item. Ive been scammed so many times and requested my money back and cash app denied every time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: Shellpoint Partners, LLC
State: MI

Complaint narrative:
This is a government-backed mortgage with XXXX XXXX  XXXX Sold to Shellpoint, who have done nothing but mess up this account over & over. 

I requested a FORBEARANCE due to COVID in XXXX XXXX. 
This was approved. 
Then I was given TRIAL PAYMENTS for a slightly lesser amount of {$1700.00} starting on XX/XX/XXXX. 
This was paid XXXX on XX/XX/XXXX for {$1700.00}. 
The next payment was due on XX/XX/XXXX. 
I paid that also XXXX on XX/XX/XXXX for {$1700.00}. 
The next payment is not due until XX/XX/XXXX. 
I have not missed a single payment. I have not paid anything late. This is a govt.-backed loan and was in forbearance due to COVID. 
Now Shellpoint XXXX XXXX XXXX just reported to XXXX  the following : " SHELLPOINT MORTGAGE account has become 180 Days Late Between XX/XX/XXXX and XXXX XXXX, XXXX, your SHELLPOINT MORTGAGE mortgage status changed from " Current '' to " 180 Days Late ''. '' Dropping my score XXXX points. 
They also reported to XXXX  my payments are XXXX days late. 
Dropping my score almost XXXX points. 
My payments are NOT late. 
Shellpoint does not have the authority to report a government-backed mortgage in approved forbearance due to COVID or job loss or cutbacks due to COVID as " LATE. '' Shellpoint/XXXX  XXXX needs to fix this immediately. 
In addition, this mortgage is no longer in " forbearance '' as is being reported to the Credit Reporting Agencies.

This account is not " SHELLPOINT MORTGAGE account has become 180 Days Late, '' it is being paid regularly and on-time.

Being in forbearance due to COVID is NOT the same as paying 180 days late. 
Shellpoint can remove this from my credit reports, or I'm filing a lawsuit against them and Fannie Mae. 
My payments were in forbearance due to XXXX. 
Now they're in a slightly lower payment plan. 
All payments have been made early. No payments are due, past due, or late. 
This mortgage is with XXXX XXXX 
They have continued discriminating against me as a XXXX single female.

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 2025-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
The account they are reporting states it is closed but they continue to report late payments. I have not done any business with this company and this collection needs to be removed from my report. They are wrongfully and fraudulently reporting in this account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
I cancelled my XXXX order that was charged on my cashapp card. I made it on Wednesday, XX/XX/XXXX. I cancelled it due to the fact that I ordered it in Kansas and I was in XXXX. It was my mistake and I cancelled it through customer XXXX support on the phone. They said the refund would take 1-7 days. And it is currently XX/XX/XXXX and I have not received my refund money XXXX also contacted XXXX support through their email and they have not contacted me back. Cashapp denied my refund dispute. I am receiving no help to receive my {$62.00} back from cashapp or XXXX. I would really appreciate receiving help to get my money back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing this complaint regarding PayPals handling of my account, which was deactivated without explanation and remains unresolved despite repeated contact with their support. 

On XX/XX/year>, I called PayPal customer service and spoke with a representative who assured me that an escalation request would be created and that my account would be reinstated within 48 hours. I was also told that I would receive an email once the matter was resolved. 

As of today ( XX/XX/year> ), I have : Received no follow-up email or explanation from PayPal. 

Found my account still deactivated. 

Called PayPal again, only to be told that no record of the previous call or escalation request exists, and they refused to provide any reason for the account closure. 

This lack of transparency, failure to follow through on commitments, and denial of any information severely undermines my trust in PayPals practices. 

I request : A clear explanation for the account deactivation. 

A review of my previous support interaction and the promised escalation. 

Reinstatement of my account, or at minimum, proper communication and access to my funds ( if any are held ). 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: AZ

Complaint narrative:
XXXX XXXX is attempting to collect a lease deposit debt on a rental property that I was forced to vacate due to serious and repeated habitability issues, including a roach infestation, mold, and excessive, unsafe noise levels. I notified the landlord and requested termination of the lease, but they refused despite their failure to provide habitable living conditions. 

What makes this worse is that XXXX billed me before the landlord even communicated any amount due or made any direct claim against me. XXXX acted without following proper process, essentially preempting the landlords legal and contractual obligations and denying me a chance to dispute or resolve the issue directly and it was shortly sent to another collection agency called XXXX XXXX  soon after. 

I have disputed this with the credit bureaus, clearly explaining the situatio, but XXXX continues to validate the debt, despite their own improper procedures and the underlying illegitimacy of the lease claim. 

This is a harmful and unfair collection practice. The lease deposit should never have been charged in the first place due to the landlords violation of basic tenant habitability laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Associates based out of XXXX Virginia has been repeatedly calling with spoofed numbers representing a number in your area with no proper caller ID information. When asked who is calling, they refuse to answer and proceed to hang up. The only way to find out who called is to call the number back. This is a violation of the FDCPA and TCPA as debt XXXX are required to use accurate caller ID information as well as state who they are or are representing. Both caller ID information is omitted and deceptive to trick you into thinking it is a local call and hide who they are as well as refusing to state who they are or are representing. Under the FDCPA, this amounts to {$2000.00} in possible damages and under the XXXX, this amounts to between {$1000.00} and {$3000.00} depending on whether the violation was intentional.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
They have a collection on my credit report that they are reporting late payments on, the account says it is closed but they are still reporting late payments and I dont know who this debt belongs to. I have not done any business with this company so I am not sure where this debt is coming from. I am also a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: CA

Complaint narrative:
I transfered {$200.00} to XXXX XXXXXXXX XXXX XXXXXXXX # XXXX on XX/XX/year> and later requested a transaction reversal effected on XX/XX/year>. Transaction confirmation number with SENDWAVE is XXXX and Transaction reversal ID number from XXXX is XXXX . 
Sendwave has been sending me messages for the last 30days since the transaction claiming that they are unable to refund my money. However, my intended recipient also made efforts with XXXX and confirmed that the transaction was reversed with the ID number XXXX. 
Intended recipient did not have access to the funds because of the reversal. Recipient 's local partner XXXX confirmed that SENDWAVE initiated a successful reversal however, SENDWAVE continues to insist that they are unable to refund my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX THESE HARDINQUIRIES DONT BELONG TO ME, HASNT BEING AUTHORIZED BY ME AND HAS TO BE REMOVED. ALSO THIS AS WELL. THANKS

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 2025-06-08 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX THESE HARDINQUIRIES DONT BELONG TO ME, HASNT BEING AUTHORIZED BY ME AND HAS TO BE REMOVED. ALSO THIS AS WELL. THANKS

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 2025-06-08 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: PA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whatever a Consumer reporting agency prepares a consumer report. It shall follow responsible procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information dispute
d by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The consumer reporting agency shall ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been notified of deleted from the file of the consumer. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX ( XXXX ) XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX RE : Cease & Desist from Collection Dear LVNV FUNDING, On XX/XX/year>, XXXX of your employees or agents calling on behalf of your company contacted me and claimed that I owe a debt to LVNV FUNDING, under account number XXXXXXXX XXXX XXXX XXXX XXXX At this time, I would like for you to make a note that I am disputing this claim and that I do not believe I owe this balance. 

Your continuous calls and such conduct have caused me to suffer sever humiliation, embarrassment, emotional distress, and physical discomfort. Please take note that any future unsolicited calls will be reported as a violation of 15 USC 162c of the Fair Debt Collection Practices Act debt harassment and unfair collection efforts in the attempt to collect said debt.

I hereby demand that you cease and desist all future calls and update your records immediately. If action is not taken by you to cease and desist within 6 days from receipt of this letter, I will have no choice but to take appropriate legal action against you, including but not limited to filing a report against your company under the Fair Debt Collection Practices Act. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief