vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I disputed three collection accounts with the credit bureaus multiple times, but the companies continue to report them. These debts are not valid. 

I also submitted a 605C letter with supporting police reports, which legally requires the blocking of these accounts under the Fair Credit Reporting Act. Despite this, the accounts remain on my credit reports. 

The continued reporting is inaccurate, harmful, and a violation of my rights. 

In XXXX  and XXXX I disputed three collection accounts XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX approximately XXXX XXXX  XXXXXXXX XXXX XXXX for approximately XXXX You can also see that they had deleted it and then put it back in without notifying me. I have not agreed or signed to anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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 am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

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 2025-08-31 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This is a follow-up to CFPB Complaint # XXXX. PRAs response was evasive and failed to address the violations raised. 

Violations : Wrong Person / Disputed Debt I disputed this alleged account multiple times through XXXX  before PRAs lawsuit. PRA never produced valid proof of ownership or liability. Proceeding anyway violates FDCPA 1692e and 1692f. 

Improper Service / Default Judgment I never knowingly accepted service. PRA obtained a default judgment despite my XXXX and inability to understand English. This deprived me of due process. 

Failure to Address Prior Complaint PRAs response ignored fraudulent service, XXXX  disputes, and my medical/language limitations. Instead they issued XXXX  text without evidence. 

State Law Violations Conduct also violates Florida Consumer Collection Practices Act, Fla. Stat. 559.72.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CO

Complaint narrative:
I lost my card and phones were taken. I was unable to access any emails that were linked to associated Cash App accounts. I did have my birth Certificate and social was linked to accounts. I would've been happy to confirm my details of last made transactions for proof and had made a few phone calls, asking them to a send me a new card and get them to bypass the email confirmation, as I couldn't log into my XXXX accounts either. I was told that I had to create a new account. I did, and they still would not send my money from one account to the new one. Aftet all the setup, it was simply to push more cash into it. I was told basically that my money was sitting stagnant and that unless I could access my XXXX accounts, which I can't still to this day, that I was basically XXXX out of my funding. There were also a ton of fraudulent charges made on my account that they would not let me inquire about without the codes emailed. I was literally walking in the snow with no money and could not access any kind of funds period I was basically told I was out of luck period. It has been almost a year since then and I have made I believe 3 phone calls to them. Still can not access my emails. And I still need the nearing a XXXX XXXX dollars that was last sitting in the 3 accounts, as well as my my fraudulent payments, to be refunded period.... I know this can't be just " how it is '' with a sorry at the end right? I'd explained if just left XXXX XXXX and needed help. Still nothing. At this time, I'm literally waiting to speak to them yet again as they claim my pin I use for debit is wrong. I used the same pin this morning for my card. It worked fine. Suggested create another account is getting old.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I dispute the accuracy, legality, and completeness of the XXXX XXXX tradeline. It is being reported as valid and collectible when in fact it is tainted by predatory contract terms, post-signing alterations, improper repossession practices, and compliance violations. The credit bureaus have continued to report this account without properly verifying it, in violation of the Fair Credit Reporting Act ( FCRA ). 

Predatory contract terms : The XXXX XXXX XXXX states unearned finance charges will not be rebated, ensuring XXXX collects maximum interest even if the loan is paid off early. While advertised as no prepayment penalty, this clause is deceptive and predatory, violating TILA ( 15 U.S.C. 1601 ) and UDAAP ( 12 U.S.C. 5531 ). 

Contract alterations : XXXX admitted in writing that the GAP disclosure was incorrectly stated or omitted and mailed a correction after execution, proving the original contract was altered. Furnishing a corrected version as the authoritative copy violates FCRA 607 ( b ) and 609 ( a ) ( 1 ) ( A ).

Repossession & deficiency : My vehicle was repossessed on XX/XX/2024. XXXX  notices showed inconsistent balances and inflated deficiency claims. XXXX  has not provided repo time/date logs, the repo companys license and address ( as required under UCC & the PA Motor Vehicle Sales Finance Act ), proof of a commercially reasonable sale, or IRS 1099-C reporting. This violates FCRA 611 ( a ) ( 7 ) and UCC 9-611/613. 

Failure of notices : The plan to sell notice was generic and omitted required details such as vehicle location, redemption rights, and repo agent identification. Courts ( e.g., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) have ruled that failure to provide proper notices bars collection of deficiencies. XXXX claimed {$6500.00} deficiency is therefore unenforceable. 

Requested resolution : Delete this tradeline in full. If not, cease reporting it as collectible and at minimum mark it as disputed under FCRA 623 ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Starting in XX/XX/year> I've tried to unlock my credit. I locked my credit with Experian a few years ago. Now I can not log in to unlock it to have an expected credit check run. I tried to reset my password, but I never get the verification texts despite the fact the number looks correct. I tried to reset my username in case that was the issue, and I couldn't log on even when prompted to put in my SSN and DOB. I've called customer service several times but can never get a person. It always says " that option is unavailable at this time. I talked to my bank, they cant help me. I sent a letter in XX/XX/year> ( sorry I dont remember the exact date ) to the customer help XXXX XXXX XXXX I have not received a response. 
I talked to XXXX XXXX, they were running the expected credit check, and they gave me an email address. On XX/XX/year> I emailed that email address : XXXX. On XX/XX/XXXX I got a response that this is email address for XXXX and I need to email my home country and they gave me the email address for the XXXX. I tried to email XXXX thinking that might be the right email address. I got an undeliverable response. 
On XX/XX/XXXX, I downloaded the app and tried logging in using my XXXX  credentials. I just receive an error message. On the app when I try to log in using the last 4 dig of my SSN and phone number, I get invalid credentials. 
I need help getting a person at Experian to help me figure out what is wrong with my account, but I can not get ahold of anyone. I can not have my credit locked forever.

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 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist bank put a hold on a XXXX  check that i deposited by mobile, i called and they said it was a standard hold and within 7 days it would be released. after the release timeframe they blocked my account and said it was under investigation for fraud. I sent in documents from my lawyer from XXXX  and my address and social security card etc. they gave me the run around and transferred me for days on end to different areas with no answer. I was given multiple different emails to send documents and was told that only some were received. I was turned away from the actual branch by a rude woman who just gave me the same number to call that i had already been on the phone with for days. SSA also had checked my account by depositing XXXX dollars the month before to verify it which can be seen clearly on my transaction history. then out of nowhere i couldnt login to the mobile banking app and was told they are closing my account but gave me no way of resolving the money they had taken. They also let the check clear first into my account and it was deposited then they locked the account. so the check was good, it was mine, then they took it. I have bills and am now looking at being kicked out of my house over this. also i told them that XXXX first i was receiving. direct deposit from XXXX  and that if they closed my account then it would push my payment back for a long time because i would have to change the entire thing with XXXX. the only reason i even opened this account was for the XXXX  payments. and now i cant acsess anything. they mentioned evventually that the check had a different address on it than the one they had on file, so i even sent in the change of address form from usps and still no answer.

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 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
Sent money to a friend in XXXX. 
Its been processing for over XXXX  days no solution. Ive asked to get it cancelled. They only say they will reach out once a solution or an answer is available. I cant even cancel

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Subject : Complaint Against Equifax for Improper Reinsertion of Unverifiable Bankruptcy Dear Sir/Madam, I am filing this complaint against Equifax Information Services XXXX XXXX for XXXX my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Equifax previously deleted a bankruptcy from my credit file after determining it was unverifiable. However, Equifax has since reinserted the same unverifiable bankruptcy into my credit report. This reinsertion is improper and unlawful for the following reasons : Failure to Provide Notice of Reinsertion Under FCRA 611 ( a ) ( 5 ) ( B ), if a consumer reporting agency deletes information from a consumers file as a result of a dispute, it XXXX not reinsert that information. If reinsertion occurs, the consumer reporting agency must notify the consumer within XXXX ( XXXX ) business days of the reinsertion. 

Equifax did not provide me with the required notice of reinsertion. 

Lack of Proper XXXX XXXX bankruptcy remains unverifiable. Equifax has not provided me with any evidence from the court or a furnisher that the information is accurate or verifiable. As such, its reinsertion violates FCRA requirements. 

This wrongful reinsertion has caused and continues to cause me harm by lowering my credit scores and misrepresenting my credit history. 

XXXX Requested : Immediate and permanent removal of the unverifiable bankruptcy from my Equifax credit report. 

Written confirmation from Equifax explaining the certification source ( if any ) used for reinsertion. 

Appropriate corrective action and monitoring by the CFPB to ensure Equifax complies with FCRA regulations. 

I have attached copies of my Equifax credit reports showing the deletion and subsequent reinsertion, along with dispute correspondence. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/year>, XXXX XXXX Bank performed a hard inquiry on my Experian credit report without my authorization. I contacted XXXX XXXX the same day I was notified and informed them that the inquiry was fraudulent. After verifying my personal information and address, XXXX XXXX confirmed that the application details did not match mine. They opened a ticket and told me they submitted a request to Experian on XX/XX/year>, to remove the fraudulent inquiry. 

As of XX/XX/year>, the hard inquiry is still showing on my Experian credit report, and no corrective action has been taken. This unauthorized inquiry has negatively impacted my XXXX XXXX and remains unresolved despite my timely reporting and full cooperation. I have confirmed that Equifax shows no such inquiry, and I am unable to verify TransUnion at this 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 2025-08-31 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: NY

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-01 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 reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payment for the account ( XXXX  XXXX ) : ( # XXXX * * * * * * ) Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided, I demand these payments be updated on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, which is reporting a fraudulent and unverifiable account on my consumer credit file. 

Creditor/Agency Name : XXXX Amount Reported : {$2700.00} Status Reported : Closed Credit Bureaus Reporting : Experian, Equifax, and TransUnion This account is not mine and is being wrongfully reported. I have already disputed this item with the credit bureaus and provided them with my identity theft report, copy of government-issued identification, and proof of address. Despite this, the account remains on my file.

Violations : FCRA 15 U.S.C. 1681c-2 ( 605B ) : Requires blocking and removal of identity theft/fraudulent accounts within 4 business days once documentation is provided.

FCRA 15 U.S.C. 1681i : Requires credit bureaus to conduct a reasonable reinvestigation of disputed items within 30 days.

FDCPA 15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representation of debt. 

By continuing to report this account, XXXX and the credit bureaus are willfully violating federal law.

Requested Relief : Immediate blocking and permanent deletion of this account from all credit reports. 

Written confirmation of deletion provided to me. 

Enforcement action against XXXX for repeated violations of the FCRA and FDCPA. 

This fraudulent and unverifiable account has caused substantial harm to my credit profile and financial stability. I request CFPB intervention for immediate correction.

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 2025-08-31 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported unauthorized hard inquiries on my credit report that were not initiated or authorized by me. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ), which prohibit reporting inquiries not initiated by the consumer unless specific conditions, such as prior written consent or a firm offer of credit, are met. I did not provide any written authorization for these inquiries, and their presence on my credit report is therefore unlawful. Additionally, the agency has failed to provide documentation or evidence of a permissible purpose for these inquiries.

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 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am unaware of this debt and did not have an opportunity to dispute this account. If not I will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: MA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

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