vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: ND

Complaint narrative:
My smartphone was not in my possession when this unauthorized transaction took place. There were name changes on the receiving account while this unauthorized transaction was made. The cash tag of this account is an insult to me just giving me a middle finger to my face cause this account was created just for the sole purpose for robbing me of my money. {$600.00} dollars is a lot of money to have stolen by someone and the name the account was set to is the name of my former neighbor who died. So the account Cash app allowed my funds to be transferred to without seeing that I never had a transaction before to this recently created account ( during the time of the incident ) and not noticing the amount. DID NOT THINK THAT IT WAS IN THE SLIGHTEST BIT SUSPICIOUS AND DID NOT STOP THIS UNAUTHORIZED TRANSFER OF MY {$600.00}! Because it was made with my security code, well i use my finger print to verify any payments or transfers not my four digit code, i am sure they have the ability to see if it was biometrics or the four digit code! I called them right away to stop this fraudulent transaction after i got my phone back in my own possession and they refused to stop the transaction and refused to give me my money back. I have been trying to get my {$600.00} back now for over a year. Also as a matter of fact i bet 100 % that the recieving account only has my stolen {$600.00} and two transfers out of the recieving acount with the name XXXX XXXX ARE THE ONLY TRANSACTIONS ON THE ACCOUNT. XXXX XXXX DIED LAST SUMMER! Cash app has flagged and not processed a {$5.00} dollar payment to someone i have had prior transactions with and are in my contacts. WHY WOULD THEY NOT NOTICE THAT THIS TRANSACTION SEEMED SUSPICIOUS AND NOT STOPPED THIS NONSENSE LAST YEAR? I JUST WANT MY {$600.00} DOLLARS REFUNDED TO ME. I believe Cash app is partially responsible for allowing my money to be stolen from me, they are thieves in my eyes. Just because of the fact they have stopped payments to someone I know and have prior transactions with for lesser amounts of money, which I have used my security code to verify, they stopped the payment I tried to make. They should be able to return my {$600.00} to me regardless if the code was used or buometrics. Their security center should of noticed that this was suspicious and flagged it and not even allowed this obvious unauthorized transaction occur. 
I still want my {$600.00} dollars refunded to me but I cant afford to get a lawyer so I have just been arguing with them for over a year and still haven't gotten my refund!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: VA

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
Consumer complaint received 2025-08-23 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : TransUnion, Experian and Equifax. 

Subject : To Whom It May Concern, I am writing to formally demand the immediatedeletionof XXXX  XXXX  account numberXXXXfrom my credit report under my rights granted by theFair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681i ).

I previously submitted a dispute regarding this account and requested verification of the accuracy of the reported information. However, you failed to provide a properreinvestigation or verificationas required by law. According to the FCRA, if you can not verify an account with reasonable procedures and supporting documentation, you are obligated todelete the informationfrom my credit file.

Failure to comply with this request constitutes a violation of the FCRA and may result in legal action, including filing complaints with theConsumer Financial Protection Bureau ( CFPB ) and pursuing remedies through civil litigation.

Please provide me with written confirmation of thedeletion of this accountwithin15 calendar daysof receiving this letter.

Attached is a copy of my government-issued ID and a recent utility bill to verify my identity.

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 2025-08-23 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: GA

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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: KY

Complaint narrative:
To Whom It May Concern, Recently, I conducted an investigation into my credit report and discovered several items that are inaccurate and must be removed.

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of information in my credit report. Additionally, under 15 U.S. Code 1681i ( 5 ), if an item of information is found to be inaccurate, incomplete, or can not be verified after reinvestigation, the agency must promptly delete or modify that item and notify the furnisher of such action. 

The following items are disputed and must be removed from my credit report : XXXX XXXX XXXX inaccurate reporting, unverifiable account. 
As required by law, please reinvestigate these accounts. If you can not verify them with proper documentation from the furnishers, they must be permanently deleted from my credit file. 

I respectfully request that you provide me with written confirmation of the deletion or modification of these items once your reinvestigation is complete.

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 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Southwest Credit Systems is furnishing inaccurate information to the credit bureaus. They are reporting a XXXX account XXXX XXXXXXXX under the wrong consumer identity, repeatedly mislabeling me as XXXX when I am XXXX XXXX 
Their documentation only includes billing statements, which are not sufficient proof of legal responsibility for this alleged debt. No signed contract, service application, or authenticated records were provided.

Continued reporting of this false and unverified account violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that the FTC investigate Southwest Credit Systems for inaccurate credit reporting and consumer misidentification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: TN

Complaint narrative:
I am writing to formally dispute and request an immediate investigation regarding the following account, which I believe is the result of identity theft or a data breach : Account Name : XXXX Account Number : XXXX Open Date : XX/XX/year>2015 Balance : {$3400.00} I did not authorize this account, and I am concerned that my personal information may have been compromised. Please investigate this matter, block the fraudulent account from my credit report, and send me written confirmation of the results of your investigation.

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 2025-08-23 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: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
The vehicle is being displayed as payed off through insurance with a balance left over of XXXX on my credit reporting vehicle does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Prince Parker & Associates
State: NC

Complaint narrative:
Repeated calls, more than 7 calls in a 7 day period.

Multiple calls at XXXX XXXX EST, violating the No calls between hours XXXX and XXXX local time. 
Multiple calls after leaving voice mail or sparkling direct to me within 7 day period.

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 2025-08-23 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: MS

Complaint narrative:
. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account name XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$12.00} Account name XXXX XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} Account name : XXXX  Account number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$990.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$36000.00} INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
Wakefield and associates never provided any proof of debt. I have asked multiple times for verification.Letters never received anything back.Never received anything for a dispute.How to dispute the exact reason that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : TransUnion, Experian and Equifax. 

Subject : To Whom It May Concern, I am writing to formally demand the immediatedeletionof XXXX  XXXX  account numberXXXXfrom my credit report under my rights granted by theFair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681i ).

I previously submitted a dispute regarding this account and requested verification of the accuracy of the reported information. However, you failed to provide a properreinvestigation or verificationas required by law. According to the FCRA, if you can not verify an account with reasonable procedures and supporting documentation, you are obligated todelete the informationfrom my credit file.

Failure to comply with this request constitutes a violation of the FCRA and may result in legal action, including filing complaints with theConsumer Financial Protection Bureau ( CFPB ) and pursuing remedies through civil litigation.

Please provide me with written confirmation of thedeletion of this accountwithin15 calendar daysof receiving this letter.

Attached is a copy of my government-issued ID and a recent utility bill to verify my identity.

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 2025-08-23 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : TransUnion, Experian and Equifax. 

Subject : To Whom It May Concern, I am writing to formally demand the immediatedeletionof XXXX  XXXX  account numberXXXXfrom my credit report under my rights granted by theFair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681i ).

I previously submitted a dispute regarding this account and requested verification of the accuracy of the reported information. However, you failed to provide a properreinvestigation or verificationas required by law. According to the FCRA, if you can not verify an account with reasonable procedures and supporting documentation, you are obligated todelete the informationfrom my credit file.

Failure to comply with this request constitutes a violation of the FCRA and may result in legal action, including filing complaints with theConsumer Financial Protection Bureau ( CFPB ) and pursuing remedies through civil litigation.

Please provide me with written confirmation of thedeletion of this accountwithin15 calendar daysof receiving this letter.

Attached is a copy of my government-issued ID and a recent utility bill to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: IN

Complaint narrative:
Repeated calls and harassment im formally sending a letter for Cease and Desist using 15 USC 1692 CC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-23 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:
Please reference this complaint with Complaint ID # XXXX. They day I mailed my complaint of that case, I also sent a XXXX letter to Experian. I had notified them I was filing a formal complaint. Since then Experian has finally gave me access to my credit report ( had no access since XX/XX/XXXX ). And finally after a year, I can view my XXXX score with my bank XXXX XXXX, in which the same, no access to that XXXX score since XX/XX/XXXX. XXXX XXXX had my XXXX score unavailable stating the information from Experian was effecting it. 

My new complaint is that even though Experian has finally gave me access to my credit report, they have MAJOR inaccuracy on my credit and that is my Chapter XXXX Bankruptcy that I have been on faithfully since XXXX XXXXThey have me as Chapter XXXX ( which is incorrect ) and have ALL of the consumers listed highlighted in red that are effecting my credit score, when ALL consumers they have listed are part of my Chapter XXXX Bankruptcy. that is soon to be completed by this year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The transaction qualifies as an unauthorized electronic fund transfer under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ; Regulation E, 12 CFR Part 1005 ).

Under 12 CFR 1005.2 ( m ), unauthorized transfers include those induced by fraud or misrepresentation, where the consumer received no benefit. I was induced under false pretenses to send {$1000.00} for a fraudulent rental lease and never received keys or housing.

Pursuant to 12 CFR 1005.11 ( c ) ( 1 ), Wells Fargo is required to investigate and resolve my claim within 10 business days. I request reimbursement under Regulation E protections.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently checked my credit report and saw these accounts reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
Subject : LVNV Funding FDCPA and FCRA Violations Improper Reporting Without Validation Complaint : I am filing this complaint against LVNV Funding for illegally placing a collection account on my consumer report without providing proper validation. 
In early XXXX, I sent LVNV Funding a written debt validation request asking for : A copy of the original agreement bearing my signature ; Evidence that the alleged debt was for personal, family, or household purposes ; Internal procedures verifying compliance with the Fair Credit Reporting Act ( FCRA ). 


Instead of providing the required information, LVNV Funding only sent me a generic bill/statement. A simple bill does not satisfy the validation requirements under 12 CFR 1006.34 ( b ) ( 5 ) and 15 U.S.C. 1692g. 
By continuing to report this account without proper validation, LVNV Funding is in violation of : 12 CFR 1006.34 ( b ) ( 5 ) failure to provide required validation information ; 12 CFR 1006.34 ( c ) ( 4 ) ( i ) failure to allow me the chance to dispute before reporting ; 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( a ) ( 7 ) unlawful furnishing of information without providing required disclosures ; 15 U.S.C. 1692e use of false, misleading, and deceptive collection practices.

I dispute owing any debt to LVNV Funding. I revoke any and all rights for LVNV Funding to communicate with me by phone, text, or email.

I request the following : Proper debt validation including all required disclosures under law ; A copy of the purchasing agreement between LVNV Funding and the original creditor ; Immediate deletion of this account from my consumer reports due to non-compliance with federal law.

Company response to consumer: Closed with non-monetary relief