vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HF Holdings
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX, the " XXXX of XXXX XXXX, '' and the rest of these XXXX XXXX XXXX, blatantly lie on their website and in their " contract, '' wherein they state 2 separate things that XXXX you in and make you sign your business up with them in order to collect overdue balances : ( 1 ) that they will pay you " as soon as the debtors funds clear their account '' and ( 2 ) all commissions/remittances by the debtor " must be paid within 15 days. '' Of course, once you turn over all of your hard-earned former client files and overdue accounts receivables, the real fun starts. 

XXXXXXXX XXXX XXXX XXXXXXXX will begin to mock, insult, and threaten you, laugh at your financial pain, ignore your emails ( he calls it " XXXX XXXX' ), and above all, deny any and all written and spoken promises as described above, and start parroting with his NEW policy, which is " Our company policy on remittance is as follows : Any payments received this month shall be paid out no later than the end of the following month. That gives an opportunity for us to ensure these payments clear and are not canceled or charged back. While some clients may experience a small delay in receiving their first check once they receive the first one it becomes a monthly recurrence based on the amount of claims submitted. '' In New York State, where I am from, this kind of behavior is called " deceptive business practices, '' " fraudulent inducement, '' " false advertising, '' " breach of contract, '' and other torts and crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NY

Complaint narrative:
XX/XX/year>2025 I received a noticed from Mohela my student loans would be entering repayment. Around this time I requested a copy of my promissory notes to confirm my loans had been transferred and payments were supposed to be made to them. All I received was my payment history from prior loans. No additional contact or information, other than payment requests. To avoid default and negative credit reporting I submitted and was approved for a medical forbearance backdated to XXXX. Depending on the loan disbursement I now have " late '' or " missed '' payments from XXXX to XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Subject : Request for Debt Validation under the Fair Debt Collection Practices Act To Whom It May Concern, I am writing to formally request validation of the alleged debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I recently received a communication from your agency regarding this matter, and I am exercising my right to request full verification of the debt.

Please provide the following : 1. The name and address of the original creditor.

2. A detailed statement of the amount of the debt, including interest, fees, and any other charges.

3. A copy of the original contract or agreement that shows I agreed to the debt.

4. Proof that you are legally authorized to collect debts in my state.

5. The chain of custody or assignment proving you have the right to collect on this debt. 
Until you provide the requested validation : You must cease all collection activities. 
You must not contact me except to provide the requested information. 
You must not report or continue to report this debt to any credit reporting agencies. 
If this debt has already been reported, you must mark it as " disputed. '' If you are unable to provide this information, you are required to delete this account from your records and cease further contact. 
Please respond to this request in writing within 30 days as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: Experian Information Solutions Inc.
State: AZ

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.

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 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
We received a text with the following message : This text is from XXXX XXXX, a debt collector regarding your XXXX XXXX, XXXX. ( for which the current creditor is XXXX XXXX XXXX ) account. Visit Portal.XXXX XXXXXXXX & XXXX. Report stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. California License Number:XXXXXXXX Reply STOP to opt out. 

We do not have an account with any of the companies mentioned, nor do we have any debt that isn't being paid on. We have no idea where this message came from or what they are talking about. 

( We did not reply to this message. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Dear XXXX  I am writing to formally dispute and request the removal of inaccurate and incomplete credit information from my credit profile. It has come to my attention that the information listed below is inaccurate, and I am deeply concerned about the lack of accuracy and diligence in your operations to ensure the accuracy of the credit reports you publish. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), it is mandated by federal law that credit bureaus verify the accuracy of any and all accounts they report by physically verifying the original signed consumer contract. Failure to adhere to this requirement leaves room for the inclusion of fraudulent accounts, which could have serious repercussions for individuals such as myself. I hereby demand to see verifiable proof, in the form of an original consumer contract bearing my signature, for the accounts detailed below. Without such evidence, it is imperative that the account be promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

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 REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
I am a XXXX XXXX  and veteran my spouse is XXXX XXXX. I applied for a XXXX XXXX XXXX and was approved for over XXXX dollars. I was making payments every month and fell short on making payments due to financial hardship. I wasnt receiving mail showing my balance or payment information. After realizing my payments werent auto drafting from my bank account and I had fell behind for three months I tried calling XXXX XXXX and make a payment arrangement However, I was told my balance owed was sent to a collection company by the name of Transworld Systems incorporated. I called and set up payments with them XX/XX/scrub>/2024 and had an offset taken from my tax return of approximately XXXX dollars. I have been making XXXX dollar monthly payments to them since XXXX of 2024 until present day. Meaning I have paid over XXXX dollars towards the balance owed. I called today and spoke with TSI and was told that I still owed XXXX dollars towards my balance even though I have paid over XXXX dollars towards it already. TSI told me i still owed that amount due to interest. In addition, TSI told me that my balance would be paid off in 27 months over two years from now! I then called XXXX XXXX customer service and was told that TSI charges interest as well as fees on top of each monthly payment and because I waited so long to pay towards the balance interest had accrued. I explained to XXXX XXXX that I hadnt received any mail or documentation for my balance owed. Apparently XXXX  XXXX  did not have my correct address or phone number on file so I had little to no idea what my balance was or that my debt was sent to a different collection company. until I called them to verify that information. Its unfortunate that these debt collectors can get away with this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: AR

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.

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 2025-08-11 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: IL

Complaint narrative:
I am seeking your help to examine accounts being inaccurately listed as late on my credit report. Upon checking my report, I noticed several accounts have inappropriate late payment marks. Please have these removed and update the accounts to reflect the agreed positive status. Additionally, an account is wrongly marked as delinquentplease dispute this and ensure no delinquent status is shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Driveway Finance Corporation
State: IN

Complaint narrative:
XXXX XXXX  sold my vehicle loan to another party but failed to remove or transfer themselves as lienholder on the title. This is inaccurate and prevents lawful transfer of my title. This violates UCC 9-514 and Indiana Code 9-17-5.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
They called my father harassing him saying I would go to XXXX  if I didnt call immediately. XXXX XXXX and they had him scared about to have a XXXX XXXX. Told him I missed my court date and needed to call asap. Gave the him this information : XXXX Case # XXXX I am living on an air mattress through transitional housing. I cant pay anything. I have told them this continuously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I am writing to formally dispute several hard inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report. 
I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed. 
As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

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 2025-08-11 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: HW Holding, Inc
State: MI

Complaint narrative:
XXXX XXXX I have tried to talk to them when they contacted me the first 5 times and always the same demanding that I pay the full amount as my ex who has the same amount also we did not live together my residence is at XXXX XXXX XXXX also I was a XXXX  I did not know she was going to leave that way I told them it is one thing to charge me half but to charge me all and I did not even have a residence there I tried to speak to them and they was not very nice or did not want to see any emails from XXXX XXXX XXXX XXXX to take me to court 8 times ( still no court ) and also I had a XXXX  XXXX credit card when I was laid off I could not pay it I finally got situated and have been making payments as agreed with XXXX  XXXX since XX/XX/XXXXXXXX  each month there after this is also NOT showing up on my credit report. 
I don't know what more to do I have been fighting this forever it feels like and getting no where I have been trying to take a loan out to purchase a home and I keep getting denied because of these 2 company 's.

XXXX XXXX account was open XXXX XXXX account # XXXX Payments made started XXXXXXXX  payments made XXXX, XX/XX/XXXX XXXX is due XXXX Payment amount {$22.00} each month as agreement with XXXX XXXX Hunter Warfield {$2100.00} since XX/XX/XXXXXXXX  account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
DEBT VALIDATION LETTER XX/XX/2025 XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX, Georgia, XXXXXXXX XXXX XXXX XXXX XXXX, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus XXXX XXXX XXXX XXXX XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX Page 1 CEASE AND DESIST I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief