vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), Regulation F, and UCC 9-406. I dispute this debt in its entirety and request the following : 1. Full chain of title from the original creditor ( XXXX XXXX XXXX. ) to the present claimant, including all assignments, transfers, or sales agreements. 

2. Copy of the original signed contract or policy application with my signature.

3. Complete itemized accounting of the alleged amount, including principal, interest, and fees.

4. If the debt was securitized, a copy of the relevant portion of the Pooling & Servicing Agreement ( PSA ) showing authority to collect.

5. Proof you are authorized to collect on behalf of the current owner, including any limited power of attorney.

Under 15 U.S.C. 1692g ( b ), you must cease all collection activity, including credit reporting, until you provide full validation.

Failure to provide the above will be treated as your confirmation that no such documentation exists and that you lack legal standing to collect or report this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Block, Inc.
State: DE

Complaint narrative:
I am a college student and have been a loyal Cash App user. my Cash App Card was deactivated without prior notice or a specific explanation. Support told me this was due to account history, transaction disputes, or other possible violations, but they could not give any specific details or allow me an opportunity to resolve the matter. 

This card is essential for me to access my funds for school-related expenses, food, transportation, and emergencies. Without it, my money is essentially locked unless I go through inconvenient transfers, which can cause delays and fees. 

I have not been accused of fraudulent activity, and I have complied with Cash Apps Terms of Service to the best of my knowledge. The refusal to provide a clear explanation or a path to resolution is unreasonable and directly impacts my financial stability as a student.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  capital one bank institution and XXXX XXXX  allowed my bank account and identity get compromised, Apon me checking my transaction that morning in my bank app I saw that someone got into my savings and transferred XXXX dollars to my checking and allowed the person to XXXX XXXX XXXX  dollars to a XXXX XXXX I have never sent money to or even no about, immediately contacted capital one bank to file and a claim along me asking the customer representative questions on how was this possible she stated to me all she could see in her end was someone kept trying to get in from a device and was finally able to get into my account, but what trouble me is the claim I filed was was denied with out them giving a proper reason in how this matter happened, and on top that I asked them how could this happen when my card wasnt even linked to XXXX XXXX  but they refused to give me answer and I also asked cash app the same question but they was rude and couldnt provide me information as well, I also to XXXX XXXX  to find out who the person was that the XXXX belonged to and what financial institution the the person use to cash out the funds cause that will help them finding out who is this person, but they refused to. Both capital one and XXXX XXXX  did not investigate properly and they was very rude

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) because my personal information was compromised in the XXXX  data breach. As a result, fraudulent accounts and hard inquiries are now appearing on my credit report.

These include, but are not limited to : Personal credit card ( s ) auto loan ( s ) Personal loan account ( s ) One or more collection accounts and multiple hard inquiries I did not authorize I did not open or authorize any of these accounts or inquiries. I have attached my FTC Identity Theft Report as proof.

I am requesting that all fraudulent accounts, collections, and inquiries related to the XXXX data breach be permanently removed from my credit file within 4 business days in
accordance with FCRA 605B

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 2025-08-13 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: GA

Complaint narrative:
I am the victim of identity theft. Two accounts XXXX and XXXX were fraudulently opened in my name without my authorization. 

I contacted the credit reporting agencies and informed them that these accounts are the result of identity theft and should be blocked under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ( FCRA 605B ). Despite my request, I was told these accounts could not be blocked and that I would need to contact the creditors directly. This is incorrect under federal law.

I have provided a valid Identity Theft Report, my government-issued identification, and proof of address. Under FCRA 605B, the credit burea
us are required to block fraudulent information from my credit report within 4 business days of receiving this documentation.

I am requesting that the CFPB ensure the credit bureaus comply with federal law by immediately blocking these fraudulent accounts from my credit file and providing me written confirmation once removed.

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 2025-08-13 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: CO

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 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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-08-13 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-13 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:
b'This CFPB complaint has been filed to request pursuant to FCRA 605B(15 . U. S. C.\n 1681c2) that you, the TransUnion credit reporting agencys block the information\n appearing on my consumer credit report that is the result of identity theft, and fraud within\n four business days of you receiving this complaint. This fraudulent, inaccurateand false\n information consist of personal credit card accounts, auto loans, personal loansand open\n end unsecured consumer accounts as follows:XXXX  INQUIRIES:XXXX XXXX XXXX   DateXXXX XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX XXXX  Date: JXXXX XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX XXXX   Date: XXXX XXXX XXXX ACCOUNTS:XXXX XXXX XXXX XXXX XXXX Account Number: XXXX Date Opened: Jun 28 2023, Balance: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 2025-08-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And to each debt collector listed below : XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Receivable Management Re : Combined FCRA Dispute and FDCPA Debt Validation 15 U.S.C. 1681i, 1681s-2, 1692g Dear Credit Bureau and XXXX Collector, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and a request for full debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 

Upon reviewing my credit reports from XXXX  ( dated XX/XX/XXXX ) and XXXX  ( dated XX/XX/XXXX ), I found the following items to be inaccurate, unverifiable, and/or not mine : Disputed Accounts Equifax XXXX XXXX XXXX {$2500.00} Reported XXXX. XXXX, XXXX LVNV Funding LLC {$260.00} Reported XXXX. XXXX, XXXX XXXX XXXX XXXX {$400.00} Reported XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX {$680.00} Reported XXXX. XXXX, XXXX XXXX XXXX XXXX {$3000.00} Reported XXXX. XXXX, XXXX The XXXX XXXX {$1000.00} Reported XXXX. XXXX, XXXX Basis of Dispute : These accounts lack proper verification of ownership or contractual obligation. 

Some XXXX be the result of errors, identity theft, or inaccurate reporting. 

Without complete, verifiable evidence, these entries must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ).

To the Credit Bureaus : Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of each disputed item. If you can not obtain verification from the furnisher, you must delete the item from my credit file. 

To the Debt XXXX : Under 15 U.S.C. 1692g ( b ), you must provide the following within 30 days of receipt of this letter : The original creditors name, address, and account number. 

A copy of the original signed contract or agreement. 

A full accounting and payment history from the original creditor. 

Documentation showing you are licensed to collect in my state. 


If you can not provide this information, you must cease all collection activity and request deletion from all credit bureaus. Any continued reporting of unverified debts is a violation of 15 U.S.C. 1692e ( 8 ). 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
On Sunday afternoon, XX/XX/2025, XXXX fraudulent charges appeared on my Chime account. These transactions appeared in quick succession and they are as follows : XXXX  XXXX XXXX ( XXXX, TX XXXX XXXX ) for {$640.00} Sp XXXX XXXX ( XXXX XXXX TX XXXX XXXX ) for {$620.00} Sp XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX for {$400.00} Chime alerted me via text to ask if these were authorized charges, and I typed back no. I followed up with a phone call and was assured that future charges for this " merchant '' were blocked and the present charges were frozen. 

I followed up with a phone call on Monday morning and found out that the charges were " completed '' and went through. I told the representative that I had been assured on Sunday afternoon, that since these charges were fraudulent, they would be frozen and not allowed to proceed further. They remained on " pending '' status which meant that all charges had been subtracted from my balance. 

I then had to cancel my card and get a new one that I was informed will take XXXX to XXXX business days to come. No option was available for overnight even when I stated I would pay for any overnight charges. 

In addition, they informed me that it will take XXXX DAYS to investigate these charges before I would have access to my money. XXXX DAYS. 

I followed the necessary steps to inform Chime that I was not responsible for these charges, that they were fraudulent and that I did not authorize them to go through. 

I am more than frustrated. I am not a millionaire! I make just {$20.00} an hour in XXXX XXXX, XXXX  and can only afford to rent a room on this salary. {$1600.00} is a XXXX dollars to me. 

I realize Chime is just following procedure, but I believe XXXX days is really too long to wait. 

Meanwhile, I have almost no money, and the panic I feel every day is immeasurable. 

I asked them if they could see who made this charge and where it came from. If they can not find the source of this scam, do I not get a full refund? Why will it take 90 days to investigate? 

I was informed that someone did make a card with my number on it, and I don't understand how that could happen because I keep my card with me at all times and never, ever open email attachments. If I shop online, very rarely, I order from XXXX or XXXX. 

Please help to resolve this issue. Could you possibly see where this scam originated and who would've made these charges. 

Thank you in advance for any help you may provide. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: UT

Complaint narrative:
On XX/XX/year>, I received Chime XXXX cards in the mail containing my full name and home address. I did not open or authorize any account with Chime. The next day, I contacted Chime customer service to report the fraudulent account. Chime refused to provide details on when or how the account was created. While I was on the phone with Chimes customer support, I received a text message from Chime showing the name XXXX associated with my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 am writing to formally dispute the accuracy of certain information appearing on my credit report, as provided to me by your agency. The following accounts are fraudulent and were opened without my authorization or knowledge : MoneyLion Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$380.00} These accounts are the result of identity theft. I have never applied for or opened these accounts and have no contractual agreement with these creditors. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately : Conduct a thorough investigation of these accounts. 
Remove these fraudulent accounts from my credit report. 
Send me an updated copy of my credit report showing these corrections. 
Enclosed are the following documents to support my dispute : A copy of my government-issued photo ID. 
Proof of my current address. 
A copy of my FTC Identity Theft Report confirming my claim. 
Please complete your investigation within the 30-day period allowed by law and confirm in writing that these accounts have been removed. 
Thank you for your prompt attention to this serious 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