vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified. 

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I am disputing a charged-off account that is inaccurately reported on my credit file. The company has failed to properly verify or correct the information after my dispute, harming my credit standing and violating my rights under federal law. 

According to the Fair Credit Reporting Act ( FCRA ), companies are required to report only accurate information and must investigate consumer disputes thoroughly. 

Laws Violated : Fair Credit Reporting Act ( FCRA ) XXXX ( b ) Duty to ensure maximum possible accuracy Fair Credit Reporting Act ( FCRA ) XXXX Duty to investigate disputes within XXXX  days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Account Number : XXXX Dear Midland Credit Management, This letter is a formal demand for validation and verification of the alleged debt you claim I owe, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

You are hereby notified to provide the following documentation : 1. The name and address of the original creditor ; 2. The original account number ; 3. A full account history showing how the alleged amount was calculated ; 4. A copy of any signed agreements or contracts showing my legal obligation to pay ; 5. Proof that you are licensed to collect debts in my state ; 6. A copy of your authority to collect on behalf of the original creditor, or proof you own the alleged debt.

Until you provide all of the requested documentation, you must cease all collection activity, including reporting to credit bureaus. Any failure to comply will be documented as a violation of the FDCPA and reported to the appropriate authorities, including the Consumer Financial Protection Bureau ( CFPB ) and my states attorney general. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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:
Inaccurate Collection by XXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX XXXX I am writing to formally dispute an inaccurate collection account reported by XXXX XXXX XXXX XXXX on my credit reports. This account is related to a debt they claim to have purchased from my former apartment community. However, I have been awarded a dismissal in court regarding this alleged debt, as the plaintiff failed to appear. I have attached the relevant court documents as proof that this debt is not valid. 

Details of the Disputed Account : Furnisher : XXXX XXXX XXXX XXXX Account Number : [ XXXX XXXX XXXX XXXX XXXX ] Original Creditor : [ PierPoint Apartments ] Date Reported : [ XXXX ] Reason for Dispute : The reported collection account is inaccurate because the underlying debt was dismissed by the court. The attached court order clearly shows that the case was dismissed due to the plaintiffs failure to appear, and therefore, I have no legal obligation for this debt. XXXX XXXX XXXX XXXX continued reporting of this account is both inaccurate and damaging to my credit profile. 

Requested Action : I respectfully request that the Consumer Financial Protection Bureau investigate this matter and XXXX XXXX XXXX XXXX XXXX to remove the erroneous collection account from all of my credit reports with XXXX XXXX, and TransUnion. Additionally, please ensure that all records reflect the dismissal as shown in the attached court documentation. 

Enclosures : Copy of court dismissal order Copy of my credit report with the disputed item highlighted Copy of government-issued ID Proof of address ( utility bill or bank statement ) Please confirm receipt of this complaint and inform me of any additional steps required. I appreciate your prompt attention to this matter and look forward to your response.

Sincerely,

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 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Moore Law Group
State: CO

Complaint narrative:
XXXX and XXXX XXXX have put a garnish on my savings for a XXXX XXXX account that was opened by my deceased husband. I even went to XXXX XXXX and they looked in their system by using my SSN and could not find an account in my name. They have put a hold on my saving account for the amount owed. I show no XXXX XXXX or XXXX accounts on all XXXX of my credit reports. When I call XXXX they gave me a number to lawyer and XXXX won't communicate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I reviewed my TransUnion credit report and discovered a fraudulent hard inquiry by XXXXXXXX XXXX ( XXXXXXXX XXXX  ) dated XX/XX/year>. 
I never applied for any XXXX credit account. Immediately after noticing the inquiry, I contacted XXXXXXXX XXXX. XXXX confirmed in writing that the application was fraudulent, not initiated by me, and the inquiry was unauthorized.

This inquiry violates the Fair Credit Reporting Act ( FCRA ) 604 because it was made without a permissible purpose or my consent. Additionally, under FCRA 605B and the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to have fraudulent information resulting from identity theft blocked or deleted immediately.

TransUnion allowed unauthorized access to my private consumer data, damaging my creditworthiness and exposing me to further risk of fraud.

I am formally requesting immediate action and enforcement of my rights under federal law.

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 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC System To Whom It May Concern, This letter is being sent in accordance with FCRA 611 ( A ) and the Fair Debt Collection Practices Act ( FDCPA ). I am formally disputing the accuracy and completeness of a collection account reported on my credit file. Be advised this is not a refusal to pay but a request for proper validation of the alleged debt. 

Please provide : A copy of the original agreement or contract bearing my signature A full itemized accounting of the debt Proof that you are authorized to collect on behalf of the original creditor If you are unable to validate this account as required under FCRA 609 ( A ) ( 1 ) and FDCPA 809 ( b ), you must cease all collection activity and remove the item from all consumer reporting agencies. 

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 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Westlake Portfolio Management wrongfully repossessed my vehicle after the bankruptcy of US Auto Sales. I never entered into any contractual agreement with Westlake, nor did I authorize them to service or collect on my account. Despite this, Westlake took possession of my vehicle without proper notice or legal authority. 

At no point did I sign any documents, contracts, or agreements with Westlake Portfolio Management. I received no proper validation of debt, no assignment of rights documentation, and no notice that would lawfully authorize them to repossess my vehicle under the Fair Debt Collection Practices Act ( FDCPA ) and related laws. 

Westlake Portfolio Management repossessed my vehicle without warning. This wrongful repossession caused significant disruption, emotional distress, and financial harm, including loss of transportation to work, additional fees, hardship on family responsibilities. 

Westlake Portfolio Management has refused to provide proper documentation proving they had the legal right to repossess the vehicle. Their actions constitute violations of my consumer rights under federal law. 

Laws Violated : Fair Debt Collection Practices Act ( FDCPA ) improper repossession without proper notice and validation Uniform Commercial Code ( UCC ) wrongful repossession without legal assignment Potential violation of state-specific repossession and consumer protection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: CA

Complaint narrative:
I had a former room mate that used my credit info and personal info to open accounts that are not mine. I want to remove these things from my credit because they are not mine. Please do the dispute the right way, dont ignore the dispute like the CFPB lawsuit said you guys do. I am happy to add my name to the lawsuit from the CFPB if this isnt handled correctly. Thank 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 non-monetary relief
Consumer complaint received 2025-04-27 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: CA

Complaint narrative:
I had a former room mate that used my credit info and personal info to open accounts that are not mine. I want to remove these things from my credit because they are not mine. Please do the dispute the right way, dont ignore the dispute like the CFPB lawsuit said you guys do. I am happy to add my name to the lawsuit from the CFPB if this isnt handled correctly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST PORTFOLIO SERVICING INC
State: NJ

Complaint narrative:
Made biweekly payments XXXX XXXX XXXX Fell behind one month of XXXX due to hacking to my meta XXXX XXXX XXXX and compromised phones a former associate post online. 


I was reviewing my charges with REVVI XXXX I didn't find any fraud. 
Next XXXX recommended Payment XXXX. 
I was unaware it's 3rd party in XXXX GA not REVVI bank. 

First XXXX change my 16 digit card number without my authority, it was never approved nor mailed.. 

In asking the # XXXX XXXX XXXX XXXX card to be mailed as initial two year card # XXXX XXXX XXXX XXXX in my possession, rep 2 changed the card number a second time and after {$93.00} payment made XX/XX/XXXX, XX/XX/XXXX revvi draft closing account to me Please intervene as I have two new employer, my XXXX dip for fraud In XXXX was XXXX points resolving and I'm trying for a vehicle to airport job # XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I deposited a check for almost {$9000.00} at Santander bank. I have been a customer for around 20 years. The funds are available ( the check was from XXXX  XXXX  and I know for a fact that the funds are available ). Santander froze my funds Without any email or text or call to inform me. Not only that, they are holding the funds until XXXX  XX/XX/XXXX. They told me this was for my benefit and to protect me so that I should not spend the funds and have the check balance, but I am sure the check has cashed by now and they are using those funds for their own purposes to lend my money., so they are getting an interest free loan from me at my expense! Isnt this banking fraud!? In the meantime, I am losing money in fees since I dont have the funds I was depending on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NM

Complaint narrative:
I didn't get my stimulus checks when everyone else did and I have never filed taxes so I didn't know what to do to claim them I did receive 3 letters from the IRS saying that I would get {$1200.00} and {$600.00} on XXXX  then XXXX on XXXX one I filed out many forms and never got any update on it till XXXX of this year I received a letter saying that the checks were deposited to a XXXX XXXX XXXX Account and if I had any questions for me to contact them so I called and they couldn't give me any info over the phone but they did tell me that there was a account opened under my name and last deposit was in XXXX so they issued me a new card when I received the card I figured I could maybe create a account and review the transactions but I had no luck so once again I called and requested all transactions from the day it was opened till the last time it was used when I received it and i noticed that my checks were deposit into this account along with other deposits that I had no idea that I was getting I disputed all of the transactions in XXXX {$2100.00} XXXX {$5200.00} XXXX {$1300.00} XXXX {$5000.00} XXXX {$790.00} XXXX {$1700.00} XXXX {$4100.00} XXXX {$11000.00} XXXX {$12000.00} XXXX {$2500.00} XXXX {$4500.00} XXXX {$580.00} I disputed all of them but they said since it happen from XXXX thru XXXX I wasn't gon na receive anything because it had to be reported 120 days after it happen but I wasn't aware of this account I open one in XXXX used it one time and I thought that account was closed I never received any emails nor Bank statements or text the reason I found out of it's existence was thru the letter from IRS please help me resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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 reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-04-27 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: GA

Complaint narrative:
Subject : Dispute Mishandling and Denial of XXXX XXXX XXXXXXXX XXXX Company XXXX XXXXXXXX XXXX XXXX Cash App ) Product : Mobile or Digital Wallet Problem : I am filing a complaint regarding a disputed transaction involving XXXX XXXX  , a merchant who charged me {$160.00} via Cash App ( backed by XXXX XXXX XXXX XXXX 

On XX/XX/year>, I placed an order with XXXX and canceled the order the same day. The next business day, I confirmed with the merchant by phone that the order had not processed or shipped. Despite this, the merchant refused to issue a refund without providing a valid explanation. 

I promptly disputed the charge through Cash App. However, Cash App denied my dispute, claiming the merchant " fulfilled their obligations, '' despite providing no evidence that any goods or services were ever rendered. When I requested supporting documentation for the denial, Cash App merely provided a copy of my original dispute request, not proof of shipment, delivery, or service fulfillment. 

This mishandling violates basic protections under the Electronic Fund Transfer Act ( Regulation E ), which requires financial institutions to conduct a reasonable investigation and correct errors when services or goods are not received.

I am requesting : A full investigation into Cash App and XXXXXXXX XXXX XXXX mishandling of this dispute. 

A reversal of the {$160.00} charge. 

Assurance that Cash App improves its dispute handling processes in accordance with federal consumer protection laws. 


I have been a loyal Cash App customer with no prior disputes. I can provide a full timeline, my cancellation email, and phone call records with the merchant if needed. 

Thank you for your assistance in resolving this matter. 

Requested Resolution : Refund of {$160.00} and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/ closed accounts 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 2025-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Innovative Funding Services, L.L.C.
State: TN

Complaint narrative:
They lied about my interest rate, and they falsified my credit score. They stated my credit score was XXXX on XX/XX/year> from XXXX. That is a lie. I logged on to XXXX and looked at the date XX/XX/year> and they show my credit score was XXXX. I have a screen shot from the date to prove that they falsified the results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation