vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Dispute of Fraudulent Collection Account Portfolio Recovery Associates To whom it may concern, I am writing to formally dispute the collection account reported by Portfolio Recovery Associates with account number XXXX and original creditor XXXX  XXXX. This account shows a balance of {$1900.00} and a date of opening on XX/XX/XXXX. 

This account is fraudulent and can not legally be linked to me because my Social Security Number ( SSN ) was issued on XX/XX/XXXX, which is after the reported date of this debt and the alleged original account activity. 

This account had previously been removed from all three credit bureaus due to verified fraud. I demand the immediate removal of this account from my credit report and that no further collection activity or reporting be made against me related to this fraudulent debt. 

Please investigate this matter thoroughly and provide me with written confirmation of the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Viva Finance Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX and Viva Finance Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Control, LLC
State: TX

Complaint narrative:
Ive disputed this account multiple times with XXXX. I requested verification under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 and 611. XXXX  failed to provide documentation from the furnisher or any method of verification within the legal 30-day timeframe.

Despite this, they continue to report this negative item, which is damaging my credit. They never sent me proof that I opened or authorized this account. This violates the FCRA, and I am requesting that the item be removed from my report immediately due to failure to verify. 

Attached are screenshots of my disputes and XXXX  's responses showing no verification was provided.

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 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filing a formal complaint against Cash App for an unauthorized transfer of funds from my account. 

On XX/XX/year>, {$84.00} was withdrawn from my Cash App account at XXXX XXXX XXXXXXXX. Cash App claims the money was sent to XXXXXXXX XXXX XXXX. to a card ending in XXXX, which does not belong to me and was never authorized to be linked to my account. 

This is a case of fraud and account compromise : 1. I did not authorize this transaction.

2. Cash App allowed an unknown bank account to be linked to my account without my permission.

3. I immediately reported the issue and requested the funds be reversed.

4. Cash App support continues to delay, refusing to return my funds or remove the unauthorized bank account. 

Cash App is failing to protect consumers and is refusing to take accountability for an unauthorized withdrawal, in violation of Regulation E which requires prompt investigation and reimbursement for unauthorized electronic fund transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: WI

Complaint narrative:
In early XXXX, I had an outstanding electricity bill with XXXX XXXX  totaling approximately {$1000.00}. On XX/XX/XXXX, I was enrolled in an energy assistance program that paid off the entire balance directly to XXXX XXXX. Following this payment, XXXX XXXX restored my electricity service and confirmed that my balance was fully paid. 

Despite this, LJ Ross Associates has continued to contact me regarding collection of this debt, which I no longer owe. I have requested validation and proof of the debt from LJ Ross Associates, but they have not provided adequate documentation. 

I do not owe any money to XXXX XXXX or LJ Ross Associates for this account. I am seeking confirmation that this debt is cleared, and that all collection efforts and negative credit reporting are stopped immediately, as it is damaging my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Dear Transworld Systems Inc., I am writing to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please consider the following required documentation : 1. Complete payment history, as per the precedent set by XXXX XXXX XXXX, XXXX XXXX XXXX ; 2001 XXXX. App. XXXX XXXXXXXX. 
XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt images, and any relevant details directly from the XXXX XXXX. 
XXXX. Date of Last Activity. 
XXXX. Full, accurate social security number that XXXX help to identify me as the correct person you are trying to collect from. 
XXXX. Agreement that bears the signature of the alleged debtor, indicating their commitment to pay the original creditor. 
XXXX. The signed agreement between your company ( XXXX XXXX XXXX ) and me that authorizes the collection of the alleged debt, accompanied with any transactions leading to the stated agreement to pay your company. 
XXXX. Copies of my state ID, drivers license, state issued identification, or other government issued identification that were used at the time of incurring the charge. 
XXXX. XXXX or signed agreement from the original creditor to your collection agency indicating any agreement with your client granting your client all rights on the alleged debt. ( Agreement must clearly state that it grants you the authority to collect on this alleged debt. ) Please be advised that any failure to provide proper validation, or any continued attempt to collect a debt without meeting the legal requirements, will be considered a violation of the FDCPA. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: LA

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 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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XX/XX/XXXX - {$4200.00} XXXX XXXX - XX/XX/XXXX - {$1600.00} XXXX - XX/XX/XXXX - {$2800.00} XXXX XXXX - XX/XX/XXXX - {$860.00} XXXX XXXX XXXX  - XX/XX/XXXX - {$940.00} XXXX  - XX/XX/XXXX - {$590.00} XXXX - XX/XX/XXXX - {$860.00} Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XX/XX/XXXX - {$4200.00} XXXX XXXX - XX/XX/XXXX - {$1600.00} XXXX - XX/XX/XXXX - {$2800.00} XXXX XXXX - XX/XX/XXXX - {$860.00} XXXX XXXX XXXX  - XX/XX/XXXX - {$940.00} XXXX  - XX/XX/XXXX - {$590.00} XXXX - XX/XX/XXXX - {$860.00} Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
FORMAL IDENTITY THEFT BLOCKING REQUEST UNDER FCRA 605B THIS IS NOT A REINVESTIGATION REQUEST UNDER 611 Subject : FORMAL 605B IDENTITY THEFT BLOCK REQUEST IMMEDIATE ACTION REQUIRED.

I am a documented victim of identity theft. This is a formal demand under FCRA 605B [ 15 U.S.C. 1681c2 ] for immediate and permanent blocking of fraudulent items from my Experian credit file. This is NOT a reinvestigation under 611. You are legally required to block the information within 4 business days. The following items were fraudulently added to my credit report without my knowledge, consent, or authorization : ACCOUNT : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX. INQUIRIES : XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX. I did not authorize, initiate, or benefit from these applications in any form. Enclosed are the required documents per 605B ( b ) : ( 1 ) Police Identity Theft Report, ( 2 ) Government-issued photo ID, ( 3 ) Social Security card, ( 4 ) Proof of current address, ( 5 ) Copy of credit report showing the disputed items. Under 605B ( c ) ( 1 ), Experian must block the reporting of these items within 4 business days. Under 605B ( c ) ( 3 ), Experian is prohibited from continuing to report, sell, or verify this data with furnishers once a valid ID theft report is submitted. Do not contact the creditors. Do not stall with a reinvestigation response. Do not claim you need to verify with furnishers. The law does not give you that option under 605B. You are legally obligated to block the data. Failure to do so will constitute a willful violation of the FCRA and I will escalate immediately through the CFPB, state regulators, and legal channels. Provide written confirmation that these items have been blocked and send me an updated credit report reflecting the deletions.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : 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 XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2025-08-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed that one of my accounts was reporting inaccurate information. It's showing that I have a late reporting on my account that I know for a fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on a payment XXXX XXXX is the month in question, attached is a copy of the report. I'm requesting an investigation on this error and an update to the account to paid on time

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 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MS

Complaint narrative:
I bought {$41.00} in crypto that was XXXX and swapped to XXXX. I set up a Coinbase wallet. They claim they can not help me recover my crypto wallet. Im now up according to where I transferred it to my wallet {$310.00}. The wallet I had completely disappeared as well as the funds. Im an online teacher and am well trained to deal with phishing attacks. This is a scam. It was telling me that I needed to buy more ETH to complete the transaction. The amount I was transferring was {$28.00}, but it kept trying to get me to add money from my bank account with was the price almost of what I was trying to transfer. I have all of the screenshots to prove it. Coinbase is a scam and they offer no protection to consumers like myself. They took my money and I cant sell it or anything. Ive tried.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have received a copy of my credit report and notice that I have an authorized account and also fraudulent accounts on my credit report. This is the active identity that it is affecting my ability to obtain credit.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

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 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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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