vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
Someone has opened an account with XXXX XXXX & this has been added to my credit report as a collection. I was never aware of this & i was also never notified of this balance. I have never had any type of dealing with XXXX & i suppose someone has used my information to open this account. The balance is {$5200.00} I have never been aware of this & was never contacted. It was opened in XX/XX/year> & the creditor is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Started from XXXX of XXXX, where I have been looking into investing crypto from an company. Recently, this company has been filed a lawsuit, where unfair play and scammed/rigged action. I have decided to withdraw the investment/money but the merchants refuses to. I have reached to my bank USAA to file a dispute due to poor services and quality issues with the website. Unlike most USA this company only has online chat due to being oversea. I have reached out to my bank " USAA '' to dispute the transaction due to no longer wanting to use the website due to quality issues. I have reached out the the merchants for a refund but they refuses to provide refund and asked to dispute it through my banking. My bank were able to win 1 out of 80 dispute of {$20.00} dollar but all other one was lost through the dispute. I have requested multiple times to provide me with the evidence of what the bank has done to fight for my dispute and I have not receive any feedback from the banking. I am confused on how {$20.00} dollar can be in my favor but when it came to transactions with hundreds/thousands were in merchants favor where I have provided same evidence for all the dispute. This dispute was 80 transaction dispute within 8 month time period totaling amount of XXXX. Now I have recently paid back XXXX towards the temporary credit that they have reversed. I am still to be owed close to XXXX. I believe that banking with this bank over 10 years, with this been a large amount of dispute I am not understanding on how I can win XXXX $ back but XXXX are in merchants favor.

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 monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: IL

Complaint narrative:
I am submitting this complaint regarding the closure of my Cash App account. 

Cash App closed my account citing gambling activity as the reason. I categorically deny engaging in any gambling or betting activity, and the company has provided no evidence or documentation to support their claim. 

Since the closure : My account funds are being withheld. 
Cash App support has refused to explain which transaction ( s ) they believe were gambling.

Support has given only canned final response messages and closed my case, directing me to start a new ticket, without providing any proof or timeline for returning my money.

I am requesting : 1. Immediate release of any remaining funds in my account.

2. Written documentation showing the transaction ( s ) they allege violated their Terms of Service.

3. Confirmation of whether the account closure is permanent.

I believe Cash App is withholding funds without legal justification and refusing to provide transparency, which is unfair and potentially unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had a mortgage with Wells Fargo Home Mortgage and I was never late paying this mortgage. I moved out of state last year and bought a new house but was struggling to sell my old house. After a year of paying dual mortgage payments I was starting to struggle so I reached out and asked if they had any options for me short term until I sold home. They approved a forbearance plan for 90 days for me. I was able to sell house and fully pay off balance within that 90 days, but after paying the balance and closing the account they reported me XXXX past due even though I was on an approved forbearance. This impacted my credit severely. I reached out for assistance and they passed me around not knowing what to tell me so I sent in an official complaint to have them help resolve this. I wrote back stating they refuse to update credit even though I was on an approved plan and I honored my part by not extending it but by paying off in full. When I signed up for it they assured me this would not impact my credit. I feel like this is true consumer fraud and poor customer service practices.

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 2025-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: FL

Complaint narrative:
Formal Dispute of Alleged Debt and Demand for Validation Account Number : XXXX & XXXX To Whom It May Concern, this letter serves as my formal dispute of the validity of the alleged debt referenced above, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g.

I am also demanding full validation of the alleged obligation you claim XXXX XXXX owes, including the original contract bearing my signature and a complete chain of title proving your legal right to collect.

I. Lack of Privity and Contract I have no contractual relationship with your agency. You are not a party to any agreement XXXX may have had with the original creditor. No privity of contract exists between us, and I have not consented to any assignment or assumed any obligation to you II.Deceptive practices You are conducting obscure and deceptive practices, your company is re-aging debt to keep the debt claims active and also to mention you are claiming a debt collection agency is the original creditor of said debt.

In Heintz v. Jenkins, 514 U.S. 291 ( 1995 ), the Supreme Court confirmed that third-party debt collectors are subject to strict compliance under FDCPA when asserting debts that are not properly documented or legally owed. Under 15 U.S. Code 1692e, it is unlawful to misrepresent the character, amount, or legal status of any debt.

- Your agency seeks to collect on a debt that has no remaining enforceability, This constitutes double recovery. 

- XXXX XXXX ( XXXX ) : " A false balance is abomination to the XXXX : but a just weight is his delight. '' This affirms the importance of truthful accounting and fair treatment especially relevant in debt collection practices. 



Sincerely, 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 2025-09-19 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 non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Alleged Balance : {$2000.00} NOTICE OF DISPUTE & DEMAND FOR VALIDATION I am formally disputing the alleged debt listed above. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ( b ) ), I demand full validation and investigation of this account.

Validation Required Provide a legible copy of the original signed contract or obligation, the complete chain of assignment/ownership, and documentation proving your legal right to collect this debt. 

A bill, invoice, or generic statement does not constitute validation under federal law.

Credit Reporting Obligations If you can not validate, you must immediately delete this tradeline from XXXX, XXXX, and XXXX 

Reporting unverifiable or inaccurate information is a violation of 15 U.S.C. 1681s-2 ( b ).

Collection Activity Until full validation is provided, you are required to cease all collection activity in accordance with FDCPA 809 ( b ).

Failure to provide proper validation within 30 days of receipt will result in a demand for deletion of this account from all credit files. Non-compliance will be escalated to the CFPB, FTC, and State Attorney General, as well as potential civil litigation for damages under both FDCPA and FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: TX

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
Consumer complaint received 2025-09-19 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: AL

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 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
Valley Bank made it impossible for me to opening a checking account at Valley Bank because it placed a minimum {$250.00} deposit for doing so! THAT is far beyond what other banks would have demanded. XXXX XXXX, for example, {$25.00}! 

My beloved and loving wife XXXX and I live EXCLUSIVELY on Social Security and so this demand for {$250.00} is, and with all due respect, INTOLERABLE! 

Valley Bank gave no explanation! 

Thus I was UNABLE TO OPEN A CHECKING ACCOUNT WITH VALLEY BANK!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

INQUIRY : XXXX XXXXXX/XX/year>

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 2025-09-19 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am submitting this follow-up complaint regarding ongoing inaccuracies, inconsistencies, and unverifiable information reported on my credit files maintained by Experian, Equifax, and TransUnion, which continue to negatively impact my credit standing despite my rights under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Late Close Account, Balance {$0.00}, Opened XX/XX/XXXX ) XXXX XXXX  Experian : Shows late notations for XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) .Equifax : Shows the same account with inconsistent late notations ( XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) ) .TransUnion : Same account, again with inconsistent XXXX and XX/XX/XXXX late notations.These discrepancies violate FCRA 611 ( 15 U.S.C. 1681i ), 623 ( a ) ( 2 ), and 15 U.S.C. 1666, which require accurate and consistent reporting of credit information.I C System Collection Account ( Original Creditor : XXXX XXXX, Balance {$830.00} ) Appears on Experian and TransUnion but not Equifax, making it unverifiable.Must be deleted under FCRA 623 ( a ) ( 1 ) ( A ), 611, and 605B.Incorrect AddressesExperian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXXTransUnion : XXXX XXXX, XXXX TN XXXX ( current correct address is XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX XXXX These violate FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 607 ( b ) and must be corrected or deleted.TransUnion : Name incorrectly reported as XXXX XXXX instead of XXXX XXXX XXXX XXXX.Unauthorized InquiriesEquifax : Leaders XXXX  on XXXX : XXXX on XX/XX/XXXX and XX/XX/XXXX Under FCRA 604 ( a ) ( 3 ), 611, and 609 ( a ) ( 1 ), these inquiries are unauthorized and must 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 2025-09-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cohn, Goldberg & Deutsch,LLC
State: MD

Complaint narrative:
MECU garnished my check all last year and received the full amount owed, then sold it to another company : Cohn, Goldberg, and Deutsch who has now garnished my check again for {$770.00} which is not owed because the judgment was recorded as satisfied by the court. I would like all of my money returned as this has already caused a huge level of stress when they took {$18000.00} last year and almost caused me to be evicted. Please investigate both of these companies as I will be taking legal action now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: FL

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: FL

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
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 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 non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

This is a formal complaint against COMENITYCAPITALXXXX a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

COMENITYCAPITAL/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: PA

Complaint narrative:
XXXX XXXX  has reported derogatory information on my consumer credit report, specifically late payment notations. These reports are inaccurate and do not belong to me as the private consumer. 

My credit file has been wrongfully merged with ALL CAPS business accounts and with a birth certificate variation styled as XXXX XXXX, which is a distinct legal entity. As a result, XXXX XXXX  accountsalong with other ALL CAPS accountsare being misapplied under my private consumer file. 

In addition to XXXX XXXX  erroneous derogatory reporting, my reports also show : A XXXX XXXX XXXX marked dismissed, which does not apply to me. 

Collections ( e.g., XXXX, XXXX XXXX ) and inquiries ( e.g., XXXX ) that were not authorized by me. 

This constitutes inaccurate and defamatory reporting that violates the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) ( accuracy requirements ) and 1681i ( duty to reinvestigate ), and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ) ( false publication of credit information ).

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