vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Ive never had an account with this company before and would like to ask for 15 U.S.C 1681 and 15 U.S.C 1681g I would like this item to be deleted off my credit report a seize and desist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX - This accounted has violated my rights by reporting misinformation across all three bureaus. 

XXXX XXXX XXXX : # XXXX - I have no knowledge of this account. I have no contract with this company. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX - This accounted has violated my rights by reporting misinformation across all three bureaus. 

XXXX XXXX XXXX : # XXXX - I have no knowledge of this account. I have no contract with this company. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-05 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: CA

Complaint narrative:
My complaint is against Square, the platform business owners use to accept credit card payments from clients. 
Back on XX/XX/XXXX a client paid my business via square online through the XXXX I use called XXXX. 
The credit card payment went through and was accepted into my square acct. At that point square automatically transfers the funds minus fees to my linked bank account. On XX/XX/XXXX the payment reached the bank. I use an online banking platform called XXXX, run by XXXX bank. 
The routing number of the bank had changed and I did not realize it had not been changed in my XXXX as I didn't have any other clients pay me that way before. The bank account number however had not changed and was still active. 
So when the funds were transferred to my XXXX bank, I got an email stating the funds were not accepted and sent back to square. However the funds have never shown up back in my square account. I have been back and forth between both square and XXXX to no avail. 
The XXXX bank has provided me a return trace number ( XXXX ) for the transaction for the return of the funds to square, which I have tried to give to square. They will not accept that and have asked for a letter from the bank stating when the funds were rejected and they want confirmation of the return in writing. XXXX will not provide me that information and has repeatedly told me, that their team is working on it and is in contact with square, and will notify me when there is any information. As of XX/XX/XXXX, I have never gotten any response back from either the bank or XXXX. I have reached out to square again this week and they are telling me I need to file a dispute on my dashboard and they instructions they gave me to do so didn't work. But I have already called several times since XXXX and filed a dispute over the phone. I again tried to give them the trace number when I called this week and they are still asking for proof of the return deposit in writing from the bank. But since XXXX is just the platform, I can't access the actual bank. I have asked to be transferred to their team that is supposed to be investigating, or someone who can help me and they will not connect me to anyone. 
At this point, I don't know what to do. I can't get a hold of anyone but a representative from either company and they aren't doing anything to find my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. These items include unauthorized accounts and hard inquiries that I did not initiate or approve. Based on both federal and Pennsylvania state law, I am exercising my right to dispute and request the immediate removal of this fraudulent information. 

Under the Pennsylvania Identity Theft Protection Act ( Act 102 of XXXX  ), I have the legal right to dispute and remove fraudulent information from my credit reports. This law requires credit reporting agencies to conduct timely investigations and correct any inaccuracies. 

Federally, the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) requires consumer reporting agencies to conduct a reasonable investigation when a dispute is filed and to correct or delete any information that is inaccurate, incomplete, or can not be verified. Additionally, under 15 U.S. Code 1681e ( b ), credit bureaus are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. According to 15 U.S. Code 1681i ( 5 ), if any disputed item is found to be inaccurate or unverifiable during reinvestigation, the bureau must promptly delete or correct the item and notify the furnisher of that change.

I have already filed a formal FTC Identity Theft Report and submitted disputes to the credit bureaus directly. Despite my efforts, the inaccurate and fraudulent items remain. These errors are damaging my credit and do not reflect my actual financial history or behavior. 

I am requesting that the CFPB assist in ensuring these accounts and inquiries are thoroughly investigated and permanently removed from my credit reports. The following is a list of the disputed items I am requesting be deleted immediately : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ascent Holding Co
State: GA

Complaint narrative:
My Ex XXXX XXXX took a Loan out with Ascent Funding LLC and XXXXXXXX XXXX XXXX 

The XXXX XXXX never followed through with the education and was in breach of contract. We took them to court in XXXX XXXX Georgia, where a XXXX XXXX XXXX ruled a default judgment against the school for this loan saying we did not owe it... 

I have tried for almost a year now contacting Acent Funding LLC and XXXX XXXX XXXX and XXXX XXXX trying to handle this loan with the Court Judgment paperwork and no one will handle this. The three companies keep pointing fingers at eachother and will not acknowledge a Court Order Judgement and are destroying my credit and continuing to add absobitant interest charges!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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:
I submitted an official FTC Identity Theft Report and full supporting documentation to Experian to have fraudulent accounts and inquiries removed from my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). Their secure upload website was not working, so I submitted the documents through their dispute portal as an alternative. 

Instead of processing my 605B identity theft block request which legally requires removal of fraudulent information within 4 business days Experian is incorrectly treating my submission as a standard 30-day dispute. This delay is harming my credit and violating my rights under federal law. 

I have provided : My FTC Identity Theft Report ( Report # XXXX ) Proof of identity A formal written request identifying each fraudulent item and demanding immediate removal under FCRA 605B Additionally, I was a confirmed victim of the XXXX XXXX breach, which compromised my personal information. I believe this breach contributed directly to the fraudulent accounts and inquiries currently affecting my credit. 

Despite meeting all legal requirements, Experian refuses to follow the correct expedited removal process. I am asking the CFPB to intervene and ensure Experian processes this under the law and removes the fraudulent information immediately.

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 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>XXXX  i used my debit card at a gas station and someone managed to get ahold of my debit card info and charge {$140.00} at walmart.com. Told my bank USAA the story they confirmed it was fraud and gave me credit. Now I recievd a letter saying it wasn't fraud according to them and want to reverse the credit. 

Documents clearly show that an individual with a different name, email and location made the charge and not me.

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 monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I LEFT XXXX XXXX XXXX AND TRANSFERED TO ANOTHER CARRIER. I EXPECTED A PRORATED FINAL BILL FROM XXXX BUT GOT A FULL BILL WHICH I WAS NOT GOING TO PAY. IT SHOULD HAVE BEEN PRORATED BUT WASN'T. I TRIED TO REACH OUT TO XXXX CORPORATE BUT THEY NEVER RESPONDED BACK. I MAILED A DEBT VALIDATION LETTER AND CEASE AND DESIST LETTER TO THE COLLECTION AGENCY BUT THEY NEVER RESPONDED. NOW THERE'S A SECOND COLLECTION AGENCY TRYING TO COLLECT THE SAME DEBT WHICH IS IN VIOLATION OF THE FCRA. I CAN NOT ATTACH THE DEBT VALIDATION LETTER I SENT ON XX/XX/year> BECAUSE FOR SOME REASON IT DIDN'T DOWNLOAD TO A XXXX  FILE AND NOT I CAN'T OPEN IT. I WILL ATTACH PROOF OF THAT LETTER WHICH I SAVED IN A FOLDER THOUGH.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

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 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Third party attemtping to collect a debt that i do not owe to them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I contacted the 3rd party and no answer or response. I did also contact acecash to pay back the loan amount and they decline and advise to contact this number XXXX. No answer. My previous bank account was closed due to thief last year and was not aware of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: KY

Complaint narrative:
Whenever I make a large payment to pay down my balance, the credit card company, XXXX, freezes my account. They require that I call them every time this happens and verify all of my past card uses and payments. Then I am told it will take up to 10 business days to resolve and unfreeze my account. This has happened at least 3 times over the last 3 years I've had this credit card. This last time I had to call 3 different times and I was given the same excuses. The last time I called which was today XX/XX/year> I was told they would now like for me to take pictures of my social security card, i.d., and send in a mail with my name and address on it. This is extremely suspicious. I am also noticing that a new fee is being added called a maintenance fee of {$7.00}. They are constantly pushing an identity protection plan on me as well. sounded very much like I was getting set up for identity theft. All because I made a {$500.00} payment. I told them no one would steal my credit card and pay down the balance so why would these payments be suspicious? They also like to turn off autopayment randomly so they can charge a {$50.00} late fee when they dont automatically take out a payment. Something is going on with this credit card company and it needs to be investigated thoroughly.

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 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
Hello, I paid for home insurance. I was very excited to get coverage. I get a call saying they will not be covering me. I paid {$150.00} before they even accepted because that is what they requested to lock me in pretty much. I'm glad I didn't pay the full amount for 12 months up front like I was going to do. 

Now I have no insurance for my property and have to start the process all over. I am out the money as of now. Sofi banking talks about charge backs and how to do them but they do a bad job of protecting their consumers against it. ( Sofi does not have a physical bank to cash checks ) It should be an immediate fix for my account since I use them so much.

I don't want a check from the insurance company I paid them with a credit card and with a fee. I want my credit card company to protect me when someone says they will give me a service and they do not. It should be immediately reversed and the money back in my account. But having to wait for to it to post and disputing it in to later weeks is unacceptable. What a waste of time. This should fall on the insurance company and my credit card company should reverse it immediately. It is actually on their website. No service was given or received but my money was taken. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: NC

Complaint narrative:
This debt was and is my ex-wife debt. They need to valid that I owe the debt. Show me the contract.

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 2025-04-06 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: CT

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 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 2025-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
On or about XX/XX/2025 my vehicle was repossessed by Paramount Recovery Services at the request of XXXX XXXX XXXX XXXX due to late payments. I contacted XXXX XXXX on XX/XX/2025 and requested information needed to recover my personal property that was in the vehicle. I was instructed to contact Paramount Recovery Service for instructions. Under California Law, a licensed repossession company is required to provide a Notice of Repossession, that included a complete inventory of person property and the location. No notice or inventory was provided by Paramount Recovery Service ( AS PER PROOF ). On or about XX/XX/2025 I arrived at Paramount XXXX facility to recover my personal items only to learn that several items were missing, Including a small cash box, two pair of new sunglasses and over XXXX in cash was missing, furthermore two vintage pictures had minor damage, I filed a claim with Paramount Recovery on XX/XX/XXXX  Case # XXXX, and on XXXX/XXXX I received a letter dated XX/XX/XXXX  informing me that my claim was denied. I have researched Paramount Recovery and found hundreds of complaints regarding theft of personal property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: 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. This is 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 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