vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX unsuccesful, unauthorized purchase attempts for the same amount through XXXX via XXXX  XXXX 
All for {$96.00} XX/XX/XXXX XXXX similar attempt, unsuccesful as well for {$8.00} via XXXX I've contacted Cashapp through the app multiple times for support and they've only provided tips for in app security measures to defend my account. None of which prevent new transaction attempts. Including locking the card and enabling their security features, as well as logging out of other devices. 
I've ordered a new, unactivated card. As transactions are still being attempted with the digital card that has never been activated and had remained locked. 
Cashapp support suggests their in app features secure my account, however they are only preventative measures. There has been no solution offered to secure the compromised account aside from ordering a new card, which didn't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Daramad LLC
State: TX

Complaint narrative:
Name and likeness used to create a XXXX, and used for numerous services

Company response to consumer: Untimely response
Consumer complaint received 2025-08-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: LoanCare, LLC
State: LA

Complaint narrative:
My mortgage servicer, LoanCare , LLC, has failed to provide required documents and submitted an inflated HUD partial claim. 

XXXXPartial Claim ( {$84000.00} ) : LoanCare submitted a partial claim to HUD for {$84000.00} after I had my FHA loan for only XXXX months. This equals over 42 months of payments, which is impossible. HUD confirmed LoanCarenot HUDdetermined the amount. I have repeatedly requested a full breakdown ( including HUD Form XXXX ), but LoanCare has not provided it. 

XXXXIRS Reporting Forms ( RESPA Violation ) : On XX/XX/year>, I submitted a Qualified Written Request under RESPA ( 12 U.S.C. 2605 ( e ) ) requesting copies of any IRS forms tied to the foreclosure of my property ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX ) : Form XXXX ( Acquisition/Abandonment of Secured Property ) Form 1099-C ( Cancellation of Debt ) Form 1099-S ( Proceeds from Real Estate Transactions ) LoanCare acknowledged receipt but has not provided the documents within the statutory deadline. 
XXXX. Occupancy : I continue to occupy the property and remain the original borrower of record. LoanCare is required under RESPA to provide this information but has failed to comply.

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 2025-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
In XX/XX/XXXX I was subpoenaed for a judgment for a debt by XXXX XXXX. credit agency that hired them is Cavalry Portfolio. I filed a response within the required time frame. A court date was set for XX/XX/XXXX. That date was changed to a telephone conference and I never received notification of change. I moved shortly after and my father had a XXXX that took me out of state. XXXX of XXXX XXXX I noticed my wages were garnished. I tried contacting XXXX on XX/XX/XXXX to advise I had a change of address and ask for modification to the amount being garnished. I received no response. Phone calls go to voicemail, emails and written communication are unanswered. on XXXX a modification to the garnishment was filed. I once again received no notification other than from my employer. I tried contacting Calvary Portfolio and was told to contact XXXX. I explained the situation and spoke to legal department. They sent a message to XXXX to contact me and again, no response. I have not Received a copy of the Creditor Garnishment Report, which is required by Arizona law to be provided quarterly to the debtor and the garnishee. I have no idea how much Ive paid or still owe and they still do not have my correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: CL Holdings LLC
State: TX

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Atlanticus Services Corporation
State: NV

Complaint narrative:
XXXX XXXX XXXX will not forgive the last of my debt that I have with them. {$190.00}. I told them to do it out of goodwill as I am trying to make every effort to pay and better my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} CITICARDS XXXXXXXX XXXX XXXX XXXX XXXX  {$24000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: VA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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 am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 2025-08-24 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The entry reported does not fairly reflect my payment conduct and seems erroneous. Please investigate and correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
Hi, the information copied below us the latest communication I sent to Skrill, the company in question.

Skrill, I have submitted the documents you have requested, and even while my most recent submitted photo of my card ( ending is XXXX ) clearly shows the card 's last four digits and my name right below it, you are yet holding my money. Therefore, refund my {$10.00} to the card and close my account. I will also forward this same email to your regulatory agencies to give me evidence, since I really can't get any evidence of all my previous communication with Skrill regarding this matter. 

Thank you. 

So please, this is the matter I wish to address. Skrill keeps preventing me from accessing my Skrill account, thus, my money in my Skrill wallet! They asked me to send a photo of my ( debit ) card showing my name. I did. But they kept rejecting them. So I requested Skrill to provide me a way to send my entire Statement of Account. Yet, they ignored me, hence the reason I am reaching out for this complaint. I honestly don't believe that Skrill means what they're asking me to provide ( seeing that I already provide it ). I feel like Skrill wants my money and/or is using my money to earn interests, etc. for which they're illegally holding my money by preventing me from accessing it!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am filing a complaint against both XXXX XXXX XXXX XXXX and LVNV Funding LLC. The same debt is being reported twice on my credit report once by XXXX and again by LVNV. In addition, LVNV Funding is reporting an inflated balance of {$2300.00}, while the original charged-off amount from XXXX was {$1900.00}. This is inaccurate and misleading, and it violates the Fair Credit Reporting Act ( FCRA ). I have disputed this with the credit bureaus and request that this be investigated and corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I submitted a valid FTC Identity Theft Report ( FTC Report No. XXXX ) to Equifax on XX/XX/year>, along with complete documentation identifying the fraudulent account ( XXXX XXXX ). Under federal law, specifically FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), Equifax is required to block this account within four ( 4 ) business days. 

Despite my compliance with all legal requirements, more than 30 days have passed and the account is still being reported. This failure is a direct violation of the FCRA and has caused ongoing harm, including : A depressed credit score preventing me from accessing fair credit. 

Denials of legitimate credit applications. 

Higher interest rates when approved. 

Denial of housing opportunities. 

Increased insurance premiums. 

Loss of professional and business opportunities that depend on accurate credit reporting. 

Equifaxs failure to block the account as required under Section 605B is not just a technical errorit is a willful violation of federal law that continues to harm me financially, personally, and professionally every day that this account remains on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I submitted a valid FTC Identity Theft Report ( FTC Report No. XXXX ) to Equifax on XX/XX/year>, along with complete documentation identifying the fraudulent account ( XXXX XXXX ). Under federal law, specifically FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), Equifax is required to block this account within four ( 4 ) business days. 

Despite my compliance with all legal requirements, more than 30 days have passed and the account is still being reported. This failure is a direct violation of the FCRA and has caused ongoing harm, including : A depressed credit score preventing me from accessing fair credit. 

Denials of legitimate credit applications. 

Higher interest rates when approved. 

Denial of housing opportunities. 

Increased insurance premiums. 

Loss of professional and business opportunities that depend on accurate credit reporting. 

Equifaxs failure to block the account as required under Section 605B is not just a technical errorit is a willful violation of federal law that continues to harm me financially, personally, and professionally every day that this account remains on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$8100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 2025-08-24 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: NY

Complaint narrative:
XXXX XXXX XXXX of Birth : XX/XX/XXXX SS # : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , Equifax Information LLC Services and Experian 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. This fraudulent, inaccurate, and false information consists of a personal credit card account XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 number : 191773383 as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief