vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Chex Systems , Inc Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Chexsystem, I am writing to formally dispute the validity of the account referenced above, which you claim I owe. This letter serves as a notice that I dispute the validity of this claim. 

In accordance with the Fair Debt Collection Practices Act, I am requesting validation of this debt. Specifically, I require competent evidence that includes my signature, demonstrating that I have a contractual obligation to pay this debt. 

The following information pertains to the disputed accounts reported by XXXX XXXX XXXX XXXX XXXX. Account XXXX - Source of Information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Phone Number : XXXX - Reported For : Non-Sufficient Funds ( NSF ) Activity - Reported Name : 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 XXXXXXXX - Original Charge Off Amount : {$920.00} - Closure Status : Unpaid - Closure Status XXXX Additionally, please be aware that any negative information reported on my credit reports, including those from ChexSystems, must adhere to the Fair Credit Reporting Act. If you can not validate this debt, I request that all credit reporting agencies involved delete the entry related to these accounts. 

Pending the outcome of my investigation of any evidence you submit, please refrain from taking any actions that could negatively impact my credit report. 

If you no longer own this debt, I request that you remove any derogatory marks from my credit report in accordance with the FCRA. Failure to respond within 30 days of receipt of this certified letter will result in legal action against your company, for which I will seek a minimum of {$5000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, 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 2025-09-02 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: IL

Complaint narrative:
My name is XXXX 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 2025-09-02 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: 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 BANK XXXX  # XXXX -Balance {$690.00} Account Name : XXXX XXXXXXXX XXXX XXXXXXXX # XXXX -Balance {$830.00} Account Name : XXXX  XXXX XXXX # XXXX -Balance {$480.00} Account Name : XXXX XXXX XXXX # XXXX  -Balance {$330.00} Account Name : XXXX XXXX XXXX # XXXX -Balance {$1000.00} Account Name : XXXX XXXX XXXX # XXXX -Balance {$49.00} Account Name : XXXX XXXX # XXXX  -Balance {$370.00} UNAUTHORIZED INQUIRIES : XXXX  XX/XX/year> XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: CO

Complaint narrative:
I had called to question the chargebacks because the merchants like XXXX XXXX and XXXX XXXX the declined the payment that did not use this company as a excepted payment method. So they appear to be returned to my account right away however the funds never appeared. I've called them and they said wait 10 days so after 10 days I called them back when they still went there they said it got charged back to my account right away but the balance never was added back. After getting switched from department to department to department nobody was able to explain it or answer my questions or explain to me where the money went eventually was just hung up on we're talking upwards of {$1000.00} here

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: NE

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Basically one day I was on the internet and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with no mother or father I live with my sister and she is XXXX.. mind you she is not XXXX XXXX XXXX then me but she has custody of me.. I was trying to get an account on cash app and I needed to get verified and stuff so naturally I go and ask my sister and she sends the request and she does it and everything and then it just says that she can't because she isn't XXXX XXXX XXXX then me ... what type of XXXX is that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am formally disputing the collection account with the following details : Creditor Name : XXXX XXXX XXXX 
I dont know the account number Reported Balance : {$750.00} Opened Date : XX/XX/year> This account is being reported inaccurately and must be deleted from my credit report pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g & 1692e ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681s-2 ).

Under FDCPA 809 ( 15 U.S.C. 1692g ) : I have the right to request validation of this debt. Until proper validation is provided, you must cease all collection activity, including reporting this account to any credit bureau. 

Under FDCPA 807 ( 15 U.S.C. 1692e ) : It is illegal to report false, misleading, or unverified information to credit reporting agencies. If this account can not be validated with proper documentation from the original creditor, it must be deleted immediately. 

Under FCRA 611 ( 15 U.S.C. 1681i ) : I have the right to dispute inaccurate or unverifiable information on my credit report. Upon receipt of this letter, the credit reporting agencies must investigate and remove any account that can not be verified within 30 days. 

My Demand : I request that you provide the following documentation within 30 days : A signed contract or agreement bearing my signature showing I am legally obligated for this debt. 

A complete payment history, including the date and amount of the alleged debt. 
Proof that you are legally authorized to collect on this account. 

If you can not provide the above documentation, you must immediately : Delete this account from my credit reports with XXXX XXXX XXXX XXXX Cease all collection activity. 
Failure to comply will constitute a violation of the FDCPA and FCRA, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NY

Complaint narrative:
Company Name : Block, Inc. ( Cash App ) Product : Mobile Wallet / Peer-to-Peer Payment Issue : Account Closure Without Notice & Withheld Funds Complaint : Dear CFPB, My Cash App account ( XXXX ) was suddenly closed without prior notice or explanation. I rely on Cash App for personal transactions, and this unexpected closure has caused significant hardship. 

Despite multiple attempts to resolve the issue directly with Cash App Support, I have received no clear explanation of why my account was closed, and I have [ insert amount, if applicable ] locked in the account that I can not access. 

I believe this action was taken in error, as I have always complied with Cash Apps Terms of Service and all applicable regulations.

I kindly request the CFPBs assistance in : 1. Obtaining a clear explanation for my account closure.

2. Releasing my funds or restoring my account if no valid violation exists.

3. Ensuring that Cash App provides proper consumer protections and transparency.

Thank you for your assistance.

Requested Resolution : Reopen account or Release remaining balance Provide a written explanation for the closure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
My credit cards are being blocked/credit limit erased due to the credit card companies mixing up my name with my sons name. My sons first name is spelled XXXX and mine is XXXX. He has filed for bankruptcy and they are blocking my cards. We do not share any accounts. So this should not be happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Global Tel*Link Corporation

Complaint narrative:
GTL - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX My husband is in XXXX XXXX XXXX  and recently his account was blocked from receiving funds via debit or credit from being deposited due to a charge back. It is unknown who did the charge back at this time. My self and his sister requested this be removed as it is not his fault this occurred. She received an email asking for the fee to be repaid to cover the charge back. This does not sound lawful so I researched and found the lawsuit against these practices with GTL and its XXXX  We are unable to add money to pay for XXXX  to send XXXX  or XXXX We were referred to use XXXX XXXX  for cash payments which for XXXX $ a fee of almost XXXX $ is added, rather than no fee on the GTL app. And if local money can be deposited at the XXXX  location in which most of us are not in the area making XXXX a total rip off. And a disservice to those XXXX  and families.. 

I have called several times and Im being directed to an email only option to address the issue. So far I have not heard anything back, but his sister is the one they replied to with paying the fee etc. 

I did inform them of the lawsuit as well as sent a link for their education. 

These practices must stop. Companies continue to profit off families who are burden with the financial responsibility of caring for loved ones, and many cant because bills need to be paid at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
The dispute is still on my credit report after 7 years under chase credit card services.... it has been on my report past the time of allowance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear XXXX XXXX/TransUnion/XXXX  I am submitting a formal dispute and demand for deletion regarding a charge-off reported on my account, allegedly dated XX/XX/XXXX, with a balance of {$170.00}. 

Timeline and Evidence 1. XX/XX/XXXX XXXXXXXX XXXX Balance : {$170.00} XXXX  Payment due : XX/XX/XXXX XXXX  Shows account was active and not past due. 
XXXX. XX/XX/XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX Past due : {$0.00} XXXX Payment due : XX/XX/XXXX * Indicates the account was paid or zeroed out on XX/XX/XXXX. 
3. FDIC Correspondence ( XX/XX/XXXX ) XXXX XXXX XXXX stated the account was charged off on XX/XX/XXXX with a balance of {$170.00}. 
XXXX This directly contradicts your own XX/XX/XXXX statement, which shows a {$0.00} balance. 

Legal Basis 1. Premature / Inaccurate Charge-Off XXXX  A charge-off can only be reported when an account is sufficiently delinquent ( usually XXXX  days for credit cards ). 
XXXX Reporting a charge-off on a paid or non-delinquent account is inaccurate and misleading.

2. Fair Credit Reporting Act ( FCRA ) Violations * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know or should know is inaccurate.

* 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain reasonable procedures to ensure maximum accuracy.

* 15 U.S.C. 1681i ( a ) : Requires credit bureaus to investigate disputed items and verify them with the furnisher. 
* Providing false or inadequate verification may constitute a willful violation ( 15 U.S.C. 1681n ). 

Attachments/ Evidence XXXX XXXX XXXX XXXX statement XXXX XXXX XXXX XXXX  statement XXXX FDIC correspondence dated XX/XX/XXXXXXXX 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 2025-09-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear XXXXXXXX XXXX/equifax I am submitting a formal dispute and demand for deletion regarding a charge-off reported on my account, allegedly dated XX/XX/XXXX, with a balance of {$170.00}. 

Timeline and Evidence XXXX. XX/XX/XXXX XXXXXXXX XXXX Balance : {$170.00} XXXX Payment due : XX/XX/XXXXXXXX XXXX  Shows account was active and not past due. 
2. XX/XX/XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  Past due : {$0.00} XXXX Payment due : XX/XX/XXXX XXXX Indicates the account was paid or zeroed out on XX/XX/XXXX. 
3. FDIC Correspondence ( XX/XX/XXXX ) XXXX XXXX XXXX  stated the account was charged off on XX/XX/XXXX with a balance of {$170.00}. 
* This directly contradicts your own XX/XX/XXXX statement, which shows a {$0.00} balance. 

Legal Basis 1. Premature / Inaccurate Charge-Off * A charge-off can only be reported when an account is sufficiently delinquent ( usually 180 days for credit cards ). 
* Reporting a charge-off on a paid or non-delinquent account is inaccurate and misleading.

2. Fair Credit Reporting Act ( FCRA ) Violations * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know or should know is inaccurate.

* 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain reasonable procedures to ensure maximum accuracy.

* 15 U.S.C. 1681i ( a ) : Requires credit bureaus to investigate disputed items and verify them with the furnisher.

* Providing false or inadequate verification may constitute a willful violation ( 15 U.S.C. 1681n ). 

Attachments/ Evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FDIC correspondence dated XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: PA

Complaint narrative:
Mercedes-Benz financial is reporting a corporate account on my personal credit and theyre stating that the account status is repossessed status is incorrect and that is not what the account status is. Account status is up-to-date and paid has agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: MO

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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