vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: DSR HOLDINGS GROUP, LLC
State: FL

Complaint narrative:
Company : DSR Holdings Phone Number Used : XXXX and/or XXXX I received a text from DSR Holdings asking for personal or employment information, which they are not allowed to request from third parties. I texted back and requested their mailing address and email to respond in writing and told them not to contact me again by phone or text.

Instead of honoring my written request, they replied with another vague and pressuring message, refusing to give their address or email. This behavior violates the Fair Debt Collection Practices Act, as I am entitled to request written communication.

I am concerned they may contact third parties again, and I want this stopped immediately. I want their contact to cease and their full business address/email provided so I can respond appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SOUTHSTATE BANK CORPORATION
State: AL

Complaint narrative:
Someone cashed my check from XXXX at South state bank in XXXX XXXX, XXXX XXXX XXXX to dispute it with the bank due to XXXX years prior. IRS just informed me that the check was cashed. It was my XXXX tax refund. It as cashed at the bank on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute XXXX regarding inaccurate information being reported on my consumer credit report by Equifax, TransUnion, for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the XXXX status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against Experian for failing to remove multiple fraudulent accounts from my credit report, despite submitting all required documentation under the Fair Credit Reporting Act ( FCRA ) 1681c-2. My identity was compromised in the XXXX XXXX XXXX XXXX XXXX XXXX data breach. 

On XX/XX/XXXX, I submitted a dispute to Experian with supporting documents, including a government-issued ID, Social Security card , utility bill, and an FTC Identity Theft Report. As of today, Experian has not confirmed removal or blocking of the accounts, and the fraudulent entries remain on my credit file. 

Fraudulent Accounts Include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-20 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:
Consumer Financial Protection Bureau ( CFPB ) Complaint : Complaint Type : Credit Reporting - Inaccurate Information and Retaliation Companies : TransUnion and XXXX XXXX Issue : TransUnion reported inaccurate information on my credit report, including a XXXX XXXX account ( # XXXX ) that was closed and paid off on XX/XX/XXXX, but is showing a 30-day past due status. Despite disputing this information, TransUnion verified it as accurate. 
Retaliation : After filing a complaint on XX/XX/XXXX, TransUnion reinserted several previously deleted accounts, including the XXXX XXXX account, without sending a notice of reinsertion letter within 5 days as required. 
Dispute Details : On XX/XX/XXXX, I disputed the account, stating that the current payment status of 30 days past due is incorrect because the balance due on this account is {$0.00}. TransUnion 's investigation was inadequate, and they verified the account as accurate on XX/XX/XXXX and XX/XX/XXXX. 
Relief Sought : Request that TransUnion conduct a thorough investigation, correct the inaccurate information, and provide a revised credit report. I also seek monetary compensation for the harm caused by their actions. 


XXXX XXXX XXXX XXXX ( CDPB ) Complaint : Agency : XXXX Complaint Type : Credit Reporting Agency Complaint Companies : TransUnion and XXXX XXXX Issue : TransUnion 's inaccurate reporting and retaliation against me after filing a complaint. 
Details : Provide specific details about the inaccurate information, the dispute process, and the harm caused by TransUnion 's actions. 
Relief Sought : Request that the agency investigate the matter, ensure TransUnion corrects the inaccurate information, and provide monetary compensation.

TransUnion Complaint : Complaint Type : Credit Reporting Agency Complaint Issue : Inaccurate reporting of the XXXX XXXX account and failure to conduct a thorough investigation. 
Details : Provide specific details about the account, the dispute process, and the harm caused by TransUnion 's actions. 
Relief Sought : Request that TransUnion conduct a thorough investigation, correct the inaccurate information, and provide a revised credit report. 


XXXX XXXX Complaint : Complaint Type : Lender Complaint Issue : Reporting inaccurate information to credit bureaus. 
Details : Provide specific details about the account and the inaccurate information reported. 

Relief Sought : Request that XXXX XXXX ensure the accurate reporting of information to credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: Avant Holding Company, Inc.
State: KY

Complaint narrative:
Avant Credit Card I discovered a card was fraudulently opened and I received bill for a monthly fee of {$8.00}. I contacted them immediately and requested it to be close. They closed the card but refused on multiple occasions to remove the {$8.00}. I reported the fraud to the XXXX XXXX XXXX XXXX XXXX XXXX and to their fraud department. Both concurred that it was in deed fraud. 

" Following the receipt of your complaint to the XXXX XXXX XXXX XXXX XXXX XXXX your account was re-escalated to XXXX XXXX Department for further review. On XX/XX/year>, our investigation was complete, as Avant had received sufficient evidence to determine that this was a true fraud event. An email advising of the investigation outcome was sent to the email address XXXX  @ XXXX  that is included with your XXXX  complaint. '' However Avant not only still won't remove the {$8.00} but continue to charge me and has since charged the monthly fee again even though XXXX XXXX XXXX XXXX XXXX XXXX and the cards fraud department found it was fraudulent. 

I called Avant and again was told they couldn't remove it and this time was told to email them about it. I did so and have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am writing to formally dispute a series of unauthorized transactions on my account. Upon discovering the activity, I promptly reported it to the financial institution, which initiated an investigation. During the course of that investigation, I was contacted to confirm specific details related to the disputed transactions. I fully cooperated and provided the necessary confirmations, clearly indicating that I did not authorize or conduct these transactions. 

Despite my cooperation, the claim was unexpectedly denied without any explanation or further communication from the company. Additionally, it is important to note that my computer had been compromised around the time of these transactions, which I believe directly contributed to the unauthorized access to my account. 

I am requesting a thorough and fair review of this matter, as the current resolution does not reflect the facts or my good faith efforts to support the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I recently reviewed my credit file and discovered inquiries from companies or institutions that I did not authorize and have no knowledge of. 

These inquiries include the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit with these institutions nor did I give permission for them to access my credit report. These unauthorized inquiries are negatively impacting my credit score and raise concerns about potential identity theft or improper access to my information. 

I am requesting the CFPB investigate these hard inquiries and assist in having them removed from my credit report. I have also contacted the credit reporting agencies directly to initiate disputes. 

Please find enclosed copies of my credit report highlighting the inquiries in question, along with a copy of my government-issued ID and proof of address for identity verification. 

Thank you for your time and attention to this matter. Please let me know if you require any additional information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : URGENT LEGAL DISPUTE VICTIM OF DATA BREACH | FCRA 609 ( b ) | UCC 3-501 | DO NOT USE e-OSCAR To Whom It May Concern, This is a formal legal dispute demanding the immediate removal of the following inaccurate and unverifiable accounts and inquiries from my TransUnion credit file. I, XXXX XXXX, am a confirmed victim of data breaches, and my personally identifiable information has been compromised and unlawfully used. The attached FTC Identity Theft Report substantiates this claim.

Under FCRA 609 ( b ) and 1681i, I have the legal right to request a complete investigation and full file disclosure, including source, furnishing party, and original signed contract. Per UCC 3-501, I am demanding validation of the alleged debts, and per UCC 1-308 , I reserve all rights without prejudice.

You are hereby instructed NOT to utilize the e-OSCAR automated dispute system. A proper reinvestigation must be conducted manually and include all legally required documentation. Failure to comply within XXXX ( XXXX ) calendar days will result in formal complaints to the CFPB, FTC, and the Illinois Attorney General, as well as civil litigation under FCRA 1681n & 1681o.

ACCOUNTS TO BE DELETED IMMEDIATELY : - XXXX {$910.00} Reporting as a Charge-Off - XXXX {$500.00} Reporting as a Charge-Off - XXXX XXXX Opened XX/XX/XXXX Reporting without consent or verification UNAUTHORIZED INQUIRIES TO BE REMOVED IMMEDIATELY : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX VIOLATIONS INCLUDE BUT ARE NOT LIMITED TO : - FCRA 609 ( b ) Full file disclosure rights- FCRA 1681b Lack of permissible purpose - FCRA 1681i Failure to conduct reasonable investigation - FCRA 1681n & 1681o Willful/negligent noncompliance - FDCPA 809 Failure to validate debt upon request - UCC 3-501 Demand for legal validation - UCC 1-308 Reservation of rights without prejudice - 42 U.S.C. 1983 Deprivation of rights under color of law If these entries are not removed within XXXX ( XXXX ) calendar days from receipt of this letter, I will : - File official complaints with the CFPB, FTC, and Illinois Attorney General - Pursue civil action for statutory damages - Seek full remedy under applicable federal and state law This is your final opportunity to comply with federal consumer law. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX Enclosure : FTC Identity Theft 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My credit is very important to me, and I am genuinely concerned about the inaccurate information showing on my credit report. These errors are affecting my ability to get approved for new credit and have become a serious source of stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX card {$0.00} balance on XX/XX/XXXX, used a XXXX XXXX plus fees balance transfer to pay off my XXXX card at a total of XXXX, totaled {$3600.00}.... called XX/XX/XXXX to inquire how new purchases would be treated as far as payment allocation as I didnt want anything accruing normal XXXX XXXX interest buried under the $ XXXX XXXX XXXX. I was assured if I paid anything over the minimum payment due, the extra amount would be applied to the higher interest balance first. XX/XX/XXXX and XX/XX/XXXX I purchased {$120.00} with intent of paying at least {$300.00} ( min {$39.00} plus {$120.00} purchases and extra applied towards balance transfer XXXX XXXX XXXX ) to fully cover all purchases as advised... I paid {$500.00} with a {$39.00} min due and only {$6.00} was applied to high interest leaving XXXX XXXX unpaid and accruing interest. When I called I was told the same information by a customer service rep and a supervisor .. all payments over the minimum will be allocated to the highest interest bearing balance XXXX. When i said it didnt happen, I was first transferred to the supervisor and then i was told, it should have been applied that way but there is no way to " know '' how the computer will allocate the funds exactly .. I paid approx XXXX times the minimum due and/or approx XXXX times the new purchases total balance. when i said I'd like to pay off the high interest balance today I was told .. I can try but there is no way to know what % of my payment will be applied to the higher interest .. I'm finding it hard to believe that a CC cant apply an " extra '' or even allocate any specific payment to a specific balance when asked, and i find it minimally bad business practices possibly borderline criminal to tell a customer to go ahead and make purchases they will be paid for first with any payments above minimum, then when the customer does and a problem arises and calls they say it again before coming back to say .. ohhh that looks like something is wrong lets go to a supervisor who says the same thing, then after a very very long silence hold says, " well we have no idea how much of that overpayment will be applied to the higher interest balance '' and then it only be {$6.00} applied to {$120.00} new purchases out of a {$460.00} over payment and there is " no reliable way '' to pay it off directly, just a luck of draw on how your overpayments are applied month to month.. sorry.. I have a problem .. I simply want to pay a specific portion of my balance due to bad practices that were not explained and even kind of told to be different then they actually are. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

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