vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account info Account name XXXXXXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1600.00} Highest balance {$2000.00} Terms - On record until XX/XX/XXXXXXXX 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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account info Account name XXXXXXXX XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1600.00} Highest balance {$2000.00} Terms - On record until XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZWICKER & ASSOCIATES
State: HI

Complaint narrative:
I received a letter from an attorney ( a member of a large law firm ). She stated the firm had been retained by XXXX XXXX. I hoped that the contact would result in negotiating the amount of the debt down. The lawyer informed me that she was not authorized to negotiate the debt. She also informed me she could not put anything in writing. That all correspondence/communications had to be done over the phone. I got suspicious and called XXXX XXXX. XXXX XXXX informed me that the debt had been assigned to Zwicker & Associates, a collection agency. Zwicker & Associates never contacted me. Subsequently, the law firm filed suit in the First District of Hawaii, stating they represent the Plaintiff, XXXX XXXX, with no mention of Zwicker & Associates. The attorneys, as an essential part of their case, submitted two separate affidavits from employees of XXXX XXXX, stating they are familiar with the general process of how XXXX XXXX contracts with the public concerning credit card agreements, but they never addressed or confirmed that the law firm was retained by XXXX XXXX. The affidavits further stated the debt was not assigned. The Affidavits are in direct contradiction to a letter I have from XXXX XXXX stating the debt was assigned. Even to this day, XXXX XXXX continues to insist the debt has been assigned to Zwicker & Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, Bank of America closed my long-standing credit account without prior notice or valid justification. I received no warning, and the closure was abrupt despite my account being in excellent standing. I have maintained consistent on-time payments, and this account was one of

my oldest lines of credit with a high limit. The closure has negatively impacted my credit score by reducing my available credit and shortening my average account age. I contacted Bank of America for a specific reason and was not provided one. I do not have any delinquencies, fraud flags, or inactivity that would justify this action. This decision appears arbitrary and may violate the Fair Credit Reporting Act ( FCRA ) if based on inaccurate or unverifiable information. It has disrupted my financial planning and undermined my credit profile without cause.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am in the process of purchasing my first home ( currently in underwriting ) my lender requested details regarding a credit inquiry showing in my report for XX/XX/year> with Capital One, which I did not authorize. 

Capital One referred me to XXXX who confirmed an inquiry for an individual account was attempted XX/XX/year>. This inquiry was not authorized by me. I would like the inquiry removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of accounts and inquiries on my credit report that are the result of identity theft following a recent data breach in which my personal information was compromised. I am a resident of Florida and invoke my rights under both federal law ( Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ) and the Florida Information Protection Act ( Florida Statutes 501.171 ).

The following accounts and/or inquiries appearing on my credit report are not mine and must be permanently blocked and deleted : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX bank Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
I contacted Cash App today because I had made a seperate cash app acct for my car club group in 2022. We usually used it to collect member dues and pay for stuff for our club. We havent used this acct in awhile and recently decided to withdraw the funds and close it. I tried logging in using our club email and with a security code that cash app sends and it wouldnt log me in. I then did I need help logging in and provided my email address to which i got an error message saying acct can not be found or can not be accessed. I contacted cash app and they kept giving me the runaround and was noncompliant. I will be attaching the messages. They wont give me information about the money that was in my acct or help to access it so I can withdraw. They basically took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I opened a Coinbase account several months ago and never used it. Today I started getting weird texts pretending to be from Coinbase. I tried to log into my account to check things and it said my password was incorrect. When I tried to reset it, I wasnt getting the emails. I spoke to someone from Coinbase who said the email listed on the account wasnt mine, which leads me to suspect someone was able to change it and get into the account. The representative said there was nothing she could do to help me because I wasnt able to provide the correct email address. I asked several times to speak with someone from the fraud department and she said they dont have one that consumers can speak to directly. I asked what the next step was and she said there wasnt one, and just kept telling me I needed to login to the account, despite my explaining to her multiple times that I am locked out because it appears someone changed the email on the account. I asked to speak to someone else and she said there was no one else for me to speak to. I disconnected and tried to call back several times, however I was no longer able to get a person on the phone. Every time I tried to connect to someone, the message just said that I needed to sign in online, which I cant do. I then tried to file a report of fraud on the Coinbase website, but without the correct email, I cant even do that. I also successfully completed their online photo ID, but they still send the results and password reset info to the email they have listed, so even though I can prove my ID to them, they still will not help me unlock or close the account. I just want to close this account and speak to someone in their fraud department to find out what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account was charged off on the following date, since then the account has repeatedly been updated as a charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 
You failed to investigate this account properly and your neglect violated my rights. I am demanding a deletion of the following accounts :XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: TN

Complaint narrative:
My information has been leaked in a data breach. I have collection on my credit report that should not be on there. the collections says my account is open. The collection bought the accounts from another company and is saying I own them. I asked them for a contract between me and them with my signature and they have not sent me it. They cant because there is no contract between me and then so why are they coming after me. I dont own them anything. They have messed my credit up and I need help please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am disputing this alleged debt and requesting full validation. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request that the debt collector provide complete documentation verifying the accuracy and legitimacy of this account. This includes, but is not limited to : The name and address of the original creditor ; The full account history showing how the balance was calculated ; A copy of the original signed agreement or contract ; Documentation that you are authorized to collect this debt.

Until such validation is provided, this account should be reported as disputed under the Metro 2 guidelines to all consumer reporting agencies. Any attempt to collect without proper validation, or continued reporting of inaccurate or unverifiable information, may constitute a violation of the FDCPA, FCRA, and CFPB regulations. 

I request that all communication be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was the victim of a fraud scam where someone impersonated a Wells Fargo representative using spoofed phone numbers and fake Wells Fargo alerts. They convinced me to transfer all my funds out of my checking and savings accounts, totaling {$4700.00}. I realized what happened within minutes and filed a fraud claim with Wells Fargo on XX/XX/year>. I followed all procedures, provided full information, and was issued a new account and card. However, despite this being an urgent case of impersonation fraud, Wells Fargo has denied issuing a provisional credit, leaving me without any access to funds for basic living expenses. I was told I must wait up to 10 business days, despite being in a clear state of financial hardship. I am requesting that this case be escalated internally by Wells Fargo and reviewed with urgency. I am seeking a full refund of the stolen funds.Now Wells Fargo reversed the amount and left me with a negative amount, and will not assist.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc.
State: FL

Complaint narrative:
I am disputing this alleged debt and requesting full validation. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request that the debt collector provide complete documentation verifying the accuracy and legitimacy of this account. This includes, but is not limited to : The name and address of the original creditor ; The full account history showing how the balance was calculated ; A copy of the original signed agreement or contract ; Documentation that you are authorized to collect this debt.

Until such validation is provided, this account should be reported as disputed under the Metro 2 guidelines to all consumer reporting agencies. Any attempt to collect without proper validation, or continued reporting of inaccurate or unverifiable information, may constitute a violation of the FDCPA, FCRA, and CFPB regulations. 

I request that all communication be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am disputing this alleged debt and requesting full validation. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request that the debt collector provide complete documentation verifying the accuracy and legitimacy of this account. This includes, but is not limited to : The name and address of the original creditor ; The full account history showing how the balance was calculated ; A copy of the original signed agreement or contract ; Documentation that you are authorized to collect this debt.

Until such validation is provided, this account should be reported as disputed under the Metro 2 guidelines to all consumer reporting agencies. Any attempt to collect without proper validation, or continued reporting of inaccurate or unverifiable information, may constitute a violation of the FDCPA, FCRA, and CFPB regulations. 

I request that all communication be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.

Complaint narrative:
My name is XXXX XXXX I send money for midical care to my young brother XXXX XXXX to XXXX on XXXX XX/XX/year>. Amount XXXX to pay the midical bill for my grandad but used wrong phone number he doesn't used anymore so phone XXXX immediately to tell them mistakes have done. Staff told me will rervacise the money to me from XXXX XX/XX/year> up now still waiting from refund. Phone them many time nd chat with them online but still not good help. I'm thinking this XXXX app it's XXXX people money. Please need help toget back my money so can pay midical bill to my grandad

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} - XXXX XXXX XXXX XXXXXXXX {$0.00} - XXXX XXXX XXXXXXXX XXXX {$59.00} XXXX  XXXX XXXX XXXXXXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$740.00} XXXX XXXX XXXX XXXXXXXX Balance {$510.00} XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: MA

Complaint narrative:
I am disputing inaccurate credit reporting by Synovus Bank XXXX XXXX XXXX XXXX. 
On my TransUnion report, SynovusXXXX XXXX is being reported as 30 days late as of XX/XX/2024. This is factually impossible because the account was opened XX/XX/2024 and closed XX/XX/2024. The account was only open for 10 days and never even had a billing cycle long enough to generate a payment due, let alone a 30-day delinquency. 
Both Equifax and Experian have already corrected this tradeline after my disputes. TransUnion is the only bureau still reporting the false derogatory mark, based on inaccurate furnishing from Synovus.

This constitutes a violation of Synovuss duties under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which requires furnishers to provide accurate information and to correct inaccuracies once notified.

I am requesting that Synovus immediately : Retract the false 30 days late reporting from TransUnion.

Ensure all credit reporting agencies reflect accurate, updated information.

Provide confirmation that this inaccurate derogatory mark has been deleted.

This false reporting is causing ongoing harm to my credit and is a clear FCRA violation.

Company response to consumer: Closed with explanation