vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Fifth Third Bank Customer Service/Complaint Department XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint and Request for Compensation for Account Mismanagement and Delay in Release of Funds Dear Fifth Third/Customer Service Department, I am writing to formally express my dissatisfaction with the way my account was handled following the deposit of a legitimate cashiers check, and to request appropriate compensation for the significant inconvenience and financial harm I experienced as a result. 

On or around XX/XX/XXXX, I deposited a cashiers check in the amount of {$16000.00} into my account at your bank. Following this deposit, I was permitted to withdraw a portion of the funds, which confirmed to me that the check had cleared. However, shortly thereafter, my account was frozen without prior notice, and your institution subsequently closed the account entirely. I was informed that the funds appeared suspicious and were under investigation, despite the fact that the cashiers check was legitimate. During the ensuing three-month period, I was deprived of access to my funds. Your bank acknowledged the error and eventually issued me a new cashiers check for the remaining balance. However, the prolonged delay caused serious financial disruption in my life. 

As a result of the banks mishandling of this matter : - I was forced to withdraw money from my 401 ( k ), resulting in penalties and tax consequences.

- I had to rearrange financial obligations and delay or miss payments.

- I experienced undue stress and inconvenience.

I believe this situation was preventable and that your institutions actions freezing my account without just cause and delaying the return of my funds constitute negligence and poor customer service.

Given that your team eventually determined that the cashiers check was valid, I am respectfully requesting compensation for the harm and hardship this situation caused me.

I request : 1. Reimbursement for penalties/fees I incurred ( including 401 ( k ) withdrawal penalties ) 2. A goodwill payment for the disruption and stress caused 3. A formal apology and assurance that this issue will not occur in the future Please respond to this letter within 14 business days. I hope we can resolve this matter amicably without the need for legal escalation. However, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the North Carolina Attorney Generals Office, and consult with legal counsel if necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
XXXX XXXX  \nXXXX (0 minutes ago)\nto CFPBXXXXComplaintive                                               DefendantXXXX XXXX                                             Cash App\XXXX XXXX\nReason for Complaint:  Expressing concerns about missing funds out of my Cash App Account.\n\nIn the past I have been having problems with my Cash App Account with posting funds through my account and the funds have gone out of my account without my permission.\n\nOn XXXX at XXXX XXXX  I spoke with a Cash App Representative about in the past XXXX dollars missing funds out of my account and how I can transfer the XXXX that was posted on my Cash App Account on that day. \n\nShe looked up my information and said that she saw the missing money and walked me through transferring my new posting of XXXX dollars to my debit card.\nShe couldn't solve the missing money problem and said it needed further investigation.\n\nOn XXXX at XXXX XXXX I spoke with the first Cash App Representative on that day number XXXX I was unsuccessful with resolving the XXXX dollars missing out my cash app account that day and in the past.\XXXX  at XXXX XXXX I spoke with a second Cash App Representative. I asked her for her name and ID# because we were having communication issues. She said her name was  XXXX. I asked her to spell out her name, with a nasty tone in her voice, speaking fast she spelled it out XXXX  she also side she didn't see any missing money out my Cash App Account. She also said she didn't have an IDXXXX at XXXX XXXX I spoke with the third Cash App Representative name XXXX  number XXXX  He looked up my Cash App Account and told me that he could see the missing money XXXX  and XXXX  dollars. The only thing was he couldn't do anything about it but he could send me a link through my email that could help me with this problem.\n\nThe link was from XXXX a cash app support.  (XXXXI'm sending you out this email asking for a full investigation on why money is missing out my Cash App Account.\XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-23 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: WA

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC XXXXB. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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 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 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 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 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 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 2025-05-23 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:
There is an account that has been placed on my credit report stating that I owe a balance to a property that I did not reside in. I was only listed as a person who could speak on the behalf of the primary resident. I am not listed as a financial responsible party. 

The account listed is XXXX XXXX systems for XXXXXXXX XXXX XXXX XXXX XXXX  '' the balance is over {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
There is an account that has been placed on my credit report stating that I owe a balance to a property that I did not reside in. I was only listed as a person who could speak on the behalf of the primary resident. I am not listed as a financial responsible party. 

The account listed is XXXX XXXX systems for XXXXXXXX XXXX XXXX XXXX XXXX  '' the balance is over {$10000.00}.

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 2025-05-23 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: IL

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-05-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
They have given me trouble with this account for over 3 months. Starting with I remarried and moved to XXXX, I contacted them wanting to add my wife.They requested a death certificate for my wife that passed also paper work to add my current wife, we filled out required information and nothing was done, they claimed they never rec 'd it. They wouldn't even talk to my wife even when I gave permission over and over she had to help with a few questions as I have short term menory, they didn't care if they heard her trying to help they refused everything this went on for over 2 months, They said I needed to go to a local branch which I ended up doing we had to make a XXXX mile round trip to XXXX. When I got there in XXXX Head XXXX  they were very helpful and at that time I requesed a wire transfer to a local bank where I was living. I transfered XXXX and left XXXX in thre for what was still out, was told money would be transfered with in a couple hrs. Well it wasn't it took another almost 2 days to get it doneI had to call XXXX XXXXXXXX and got the run around finally called the one I dealt with in XXXX  and he stayed on the line with who ever was giving the trouble, finally got it done.I did receive a overdraft norice of {$16.00} called to take care of it and got the run around again finally was told to send a cashiers check for amount which I did and it was cleared, I requested the account be closed and they say it can't be closed untill XX/XX/XXXX thats was over XXXX weeks. They have been very uncorportative the whole time always putting something in the way. I told them it was their fault they lost the actt by not being helpful or friendly. They have caused a lot of problems getting this done and it's still not final.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( 15 U.S.C. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
On XX/XX/year>, I sent a formal Notice of Dispute and demand for removal to Columbia Debt Recovery concerning an alleged debt of {$330.00} they are reporting under the name XXXX I never opened or authorized this account and believe I am a victim of identity theft. 

Despite my request and the clear legal obligations under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), this company has : Failed to validate the debt Failed to cease reporting it to credit bureaus Failed to respond in writing to my XX/XX/XXXX dispute This inaction has severely damaged my credit report, resulting in multiple denials of credit and causing ongoing emotional distress, anxiety, and reputational harm. 

The account continues to appear on my credit reports without resolution, and I have received no written communication or confirmation of deletion. 

Violations Noted : FDCPA 15 U.S.C. 1692g : Failure to validate the debt.

FDCPA 15 U.S.C. 1692e : Reporting a fraudulent or inaccurate debt.

FCRA 15 U.S.C. 1681s-2 ( a ) : Reporting information known to be inaccurate.

FCRA 15 U.S.C. 1681i : Failure to conduct a proper reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: WA

Complaint narrative:
Summary of Issue : Crown Asset Management , LLC, as the debt buyer, pursued and enforced a judgment against me without proper service or verification despite being informed of my dispute and the pending Motion to Vacate. The company refiled garnishments based on a false affidavit, causing substantial financial harm. 

Violations Alleged : XXXX  : 15 U.S.C. XXXXe ( XXXX ) ( A ) False representation of debt status 15 U.S.C. XXXXf Unfair collection practices 15 U.S.C. XXXXg ( b ) Failure to verify debt after dispute XXXX XXXX. XXXX ( CFPA/UDAAP ) Unfair, deceptive, or abusive acts or practices State ( Washington ) XXXX XXXX XXXX Improper service invalidating judgment jurisdiction XXXX XXXXXXXX ( XXXX ) Continued collection on disputed debts Detailed Allegations : XXXX relied on an affidavit of service falsely claiming I was served at an incorrect address. 

After I disputed the debt and filed a Motion to Vacate, XXXX refiled garnishments, ignoring my rights. 

These actions resulted in wage garnishment causing eviction risk and inability to pay essential bills. 

XXXX  conduct violates due process, federal debt collection laws, and state consumer protection statutes. 

Requested Relief : Initiate regulatory action against Crown Asset Management , LLC. 

Enforce penalties, fines, and corrective measures to ensure compliance. 

Immediate halt on all collection actions pending resolution of the dispute. 

Compensation for damages caused by unlawful collection activity.

Company response to consumer: Closed with explanation