vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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: Block, Inc.
State: PA

Complaint narrative:
Okay so I ordered a couch off of a scamming app that said it was an XXXX liquidator store, that was on XX/XX/year>. Ive been waiting for this couch since it said it was being shipped ok a XXXX ease website ( LNX ). Around XX/XX/XXXX, on that website it said my couch was delivered to me but I havent received anything! Not I let time go pass because XXXX thinking its coming from XXXX so give it some more time! XX/XX/XXXX I filed my disput through Cash App XXXX XXXX and they denied my dispute stating because of the information, I reached out asking them what information if I cant even get in contact with these people! So I know they couldnt have gotten in contact with them! Reached out to cash app support and they still couldnt help me. So I filed a dispute again XX/XX/XXXX and they denied my dispute again! I never received my parcel I sent pictures of my living room area to them and screenshots of me trying to contact them and still til this DAY! THEM PEOPLE STILL DIDNT REPLY BACK TO ONE EMAIL! I do not have my couch and its upsetting because they are not trying to give me my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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:
PREVIOUS CFPB COMPLAINT # : XXXX XXXX This complaint serves as a FCRA VIOLATION NOTICE & Formal rebuttal to your inadequate response dated XXXX XXXX regarding my dispute of fraudulent accounts resulting from identity theft. Your refusal to remove these accountsdespite receiving my FTC Identity Theft Report and police report numberconstitutes willful violations of the Fair Credit Reporting Act ( FCRA ) and demands immediate corrective action. 

* * EQUIFAX 's Violations of Federal Law * * Your failure to block fraudulent information violates the following MANDATORY FCRA provisions : - * * 605B Blocking Information Resulting from Identity Theft * * - Once a consumer submits an Identity Theft Report ( FTC Identity Theft Report ), you are legally REQUIRED to block the fraudulent accounts within 4 BUSINESS DAYS and notify the furnisher. Your inaction is a DIRECT VIOLATION.

- * * 1681e ( b ) Failure to Maintain Reasonable Procedures to Ensure Accuracy - By accepting unverified confirmation from furnishers without investigating my identity theft claim, you failed your duty to ensure MAXIMUM POSSIBLE ACCURACY. 

- * * 623 ( a ) ( 6 ) ( B ) Failure to Notify Furnisher of Identity Theft - You did NOT inform the furnisher of the identity theft claim, as required, forcing me to dispute directly.

2. Data Furnishers Violations * * The furnisher violated : - * * 623 ( a ) ( 6 ) ( A ) Duty to Cease Reporting Upon Identity Theft Notice - After receiving my dispute, they MUST stop reporting the account. Their refusal violates federal law. 

- * * 623 ( b ) ( 1 ) Failure to Conduct a Proper Investigation- The furnisher DID NOT review my FTC/police reports, as their verification is impossibleI DID NOT OPEN THIS ACCOUNT. 

* * CFPBs Obligation to Enforce * * If the CFPB fails to intervene, it risks enabling violations of : - * * 12 U.S.C. 5531 UDAAP ( Unfair, Deceptive, or Abusive Acts ) - Allowing Equifax and the furnisher to ignore identity theft protections is ABUSIVE AND UNFAIR PRACTICE.

- * * FCRA 621 Regulatory Enforcement Failure - The CFPB MUST penalize willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I had a long dispute about a cross-meter situation with XXXXXXXX XXXX XXXXXXXX since XX/XX/XXXX and the case was not resolved until the end of XXXX. What was happening is that other people was using my meter for electricity comsumption and I was getting billed for it. When I notice a substantial change on my electrical bills I notified XXXX about the issue but they didn't resolve the issue until late XXXX after I had to call them repeatedly about the issue they finally acknowledged that there was a cross meter situation and they would issue a corrected bill for the prior months. However, XXXX XXXX XXXXXXXX ended up sending me bills for the affected months that still were XXXX to 4 times our normal consumption during those months. I opened another dispute about it and move out of the apartments where I used to live. After that, XXXX sent my account to collections, I tried to reach to a deal with them but still was sent to collections for the wrong amount of charges. 

On XXXX of this year, I noticed a big drop on my XXXXredit score and discovered that there was a derogatory remark on my credit report due to a collection charge from TRANSWORLD SYSTEMS INC. Before that I have never recieved a letter from them, and I had to call them to get information about the debt for which I have opened a dispute of the collection charges with TRANSWORLD SYSTEMS INC XXXX I requested the to open an investigation about the charges because they are not right and until this date they have not reached back with an answer. I've called them a few weeks ago and they have not resolved my case. I need help on this matter because this derogatory remark has negatively impacted my credit score and is affecting me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks has been detrimental to my life and credit health.

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 2025-05-11 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: WA

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 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 2025-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
I learned my friend 's XXXX wallet address and sent him XXXX XXXX worth about ~ {$5.00} at the time. The public transaction ID is XXXX and can be seen here XXXX XXXX XXXX XXXXXXXX XXXX informed me that he did not receive the funds. 

Turns out XXXX decided to keep the funds based on a policy I was not aware of. Had I known of the policy I would not have sent the funds. 

The policy is unreasonable considering the cost of them further processing the transaction would be very low, about the same as the transaction fee I paid ( XXXX XXXX  ( {$0.00} ) ).

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 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
On XX/XX/year>, I sent a written debt validation request to LVNV Funding LLC via Resurgent Capital Services under my rights as provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and Maryland law. I specifically requested : A copy of the original signed contract or agreement An itemized account history ( charges, payments, interest, and fees ) Proof of assignment or legal transfer of the debt from the original creditor to LVNV Funding Evidence they had the legal right to report the debt to credit bureaus Confirmation the debt was still within Marylands statute of limitations In response, Resurgent only provided a general account summary with the creditors name, balance, and acquisition date. They failed to provide any signed agreement, detailed account history, or proof of assignment. Therefore, they did not properly validate the debt and continued collection activity. 

This incomplete response violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ). I request that this account be removed from my credit report and that all collection efforts immediately cease until full validation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
I you experienced losses due to data breaches or unauthorized access to your Cash App account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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 writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-05-11 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: TX

Complaint narrative:
This is ADP wisely card by my employer. I was scammed on XX/XX/year> {$420.00} it was my weekly paycheck. I was scammed XXXX or XXXX times by {$30.00} many times. I called to wisely immediately and filed despute right away. They told me they will give me provincial credit of this amount. I was waiting for too long and did police report. Because I have financial hardship and those money which been scammed extremely needed for me pay my bills. Last two days in XXXX when I opened my account I've seen that they took back my money again which it was provisional credit previously. I call immediately and they told me that they sent me paperwork on XX/XX/XXXX and today already XX/XX/XXXX nothing was in mail. They told me false information. For my opinion they are doing that who working there need check on them what kind of people they hiring can not trust them they sound they do not know and can't resolve any issues. So when I called and asked them why you took money again? They said that my previous despute claim was denied. Asked what that reason? They falsely accused me that I did myself! It's absolutely false! Why would I call police for scam? ADP said I did myself I can't believe this! Someone needs to be punished over there who does it. But I spoke with supervisor he told me that. I don't remember his name with very hard accent rude and I can tell he does some scam maybe. He talking as acuser of people. I almost got XXXX XXXX or XXXX because my {$420.00} is money for me I m in deep stress that's why I filing this complaint and asking you help to return me money. They should paye plus for my stress I've been through right now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
see attached documents -- XXXX XXXX, XXXX, XXXX. This CFPB complaint is being filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving the complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at national XXXX XXXX on XX/XX/XXXX with account number XXXX with a balance of {$7100.00}, XXXX XXXX on XX/XX/XXXX with account number XXXX in the amount of {$1200.00}, Portfolio Recovery Assoc on XX/XX/XXXX with account number XXXX in the amount of {$450.00}, XXXX XXXX XXXX XX/XX/XXXX with account number XXXX in the amount of {$420.00}, XXXX XXXX XXXX with account number XXXX in the amount of {$360.00}, Wow Equipment with account number XXXX in the amount of {$490.00}, XXXX  with account number XXXX in the amount of {$1500.00}. These accounts have resulted in several fraudulent hard inquiries in question as well as a copy of the consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you in which shows the aforementioned fraudulent items. I do not recognize these accounts, collections or hard inquiries as reported. The accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or were they initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and are fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade commission that all the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
My information was breached and my Social Security number was found on the dark well which was opened up service that I never used or use By contract. Unknown collection was on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-11 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 recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-11 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX is reporting inaccurate information on my credit report for Account # XXXX. 

The account is showing different open dates across TransUnion and Equifax, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers must report accurate and consistent information. Additionally, under 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ), credit reporting agencies must ensure maximum possible accuracy and remove unverifiable or inconsistent data. 

I have disputed this account, and the inconsistencies remain. If XXXX XXXX XXXXXXXX can not verify and correct the open date with consistency across all credit bureaus, this account must be immediately removed from all consumer reporting records per XXXX XXXX Code 1681s-2 ( b ) ( 1 ) ( D ). 

This inaccurate reporting is harming my creditworthiness. I am requesting a full investigation and removal of this account if accuracy can not be guaranteed.

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 2025-05-11 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX is reporting inaccurate information on my credit report for Account # XXXX. 

The account is showing different open dates across TransUnion and Equifax, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers must report accurate and consistent information. Additionally, under 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ), credit reporting agencies must ensure maximum possible accuracy and remove unverifiable or inconsistent data. 

I have disputed this account, and the inconsistencies remain. If XXXX XXXX XXXXXXXX can not verify and correct the open date with consistency across all credit bureaus, this account must be immediately removed from all consumer reporting records per XXXX XXXX Code 1681s-2 ( b ) ( 1 ) ( D ). 

This inaccurate reporting is harming my creditworthiness. I am requesting a full investigation and removal of this account if accuracy can not be guaranteed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: 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 non-monetary relief