vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am filing this complaint against a debt collector for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

The company is reporting and/or attempting to collect an alleged debt without providing proper validation after written request.

Violations include : Failure to provide debt validation under 1692g Continued credit reporting without verification Misrepresentation of legal status and ownership of debt Reporting amounts not supported by documentation Failure to provide chain of assignment from original creditor Despite my dispute, the collector continues to report the account to credit bureaus, causing ongoing financial harm. 

This constitutes unlawful collection activity and false credit reporting. I request that CFPB require the company to cease reporting and collection activity and remove the account from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
Dear Sir/Madam, I am writing to dispute the following accounts on my credit report, as they contain inaccuracies that require correction. Please investigate the following items and provide an updated report reflecting the accurate information. 

CHARGED OFF ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-16 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: OR

Complaint narrative:
This complaint is not a mistake. My credit report contains a single account that is being reported inaccurately and does not meet the standard of maximum possible accuracy required under the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting has caused ongoing stress and negative impact during an already difficult time, and it must be addressed without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a XXXX account for my XXXX. I had my renter XXXX me rent to that account. I would also pay some bills with that money. Other family family members would also XXXX my XXXX. The renter would send XXXX XXXX XXXX  in XXXX different payments, so they flagged the account and froze it since the first week of XXXX. It is now XX/XX/XXXX and they still have not released the funds to me in that account.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These are not my Inquiries. I did not authorize nor did I ask for the report to be pulled. In Conjunction with the TransUnion Dada Breach these must be deleted immediately!!! Pursuant to 15USC 1681eb Maximum Possible Accuracy and 15 USC 1681b - permissible purposes all 3 bureaus are in violation and subject to {$1000.00} per inaccuracy to which I am requesting deletion and a sum of {$2500.00} per bureau for deliberate reporting of inaccuracies after being contacted. This has caused financial harm and distress and if not resolved I will be contacting a civil law attorney for punitive damages as well. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
I am submitting this complaint to address discrepancies in the reporting of my credit information across the three major credit bureaus ( XXXX, Experian, and XXXX  ). Below are the accounts in dispute : XXXX XXXX XXXX | Account Number : XXXX | Date Opened : XX/XX/XXXX | Balance : {$1000.00} XXXX XXXX XXXX | Account Number : XXXX | Date Opened : XX/XX/XXXX | Balance : {$400.00} XXXX XXXXXXXX XXXX | Account Number : XXXX | Date Opened : XX/XX/XXXX | Balance : {$250.00} XXXX XXXX XXXX | Account Number : XXXX | Date Opened : XX/XX/XXXX | Balance : {$450.00} XXXX XXXX XXXX | Account Number : XXXX | Date Opened : XX/XX/XXXX | Balance : {$600.00} XXXX XXXX XXXX | Account Number : XXXX | Date Opened : XX/XX/XXXX | Balance : {$420.00} XXXX  XXXX XXXX | Account Number : XXXX | Date Opened : XX/XX/XXXX | Balance : {$11000.00} XXXX XXXX | Account Number : XXXX | Date Opened : XX/XX/XXXX | Balance : {$1200.00} XXXX  XXXX XXXX | Account Number : XXXX | Date Opened : XX/XX/XXXX | Balance : {$350.00} Inquiries XXXX XXXX | Date : XX/XX/XXXX XXXX XXXX XXXX  | Date : XX/XX/XXXX XXXX | Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  | Date : XX/XX/XXXX XXXX | Date : XX/XX/XXXX XXXX | Date : XX/XX/XXXX Late Payments XXXX XXXX  | Account Number : XXXX XXXX XXXX  | Account Number : 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 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Transfer occurred because someone was impersonating my bank XXXX fraud department. I was told someone tried to transfer money using my XXXX account to theirs. While I was on the phone with them I received text messages which looked just like my bank showing I had deposits to my account in which he stated it was the XXXX moving money from one XXXX account into mine. I was misled into believing I was speaking with my actual bank and that the transfer was necessary to prevent/fix the fraus activity. They used XXXX phone number XXXX. They had me to add money to my cashapp and transfer it to a bank that popped up as XXXX XXXX XXXX. This happened in the XXXX and XXXX XX/XX/year>. I was told not to call them personally because they believe my phone is the reason for the hack. I XXXX on the XXXX and was informed that no one from XXXX had reached out to me about any fraudulent activity and my disputes where started. O learned during this time that they disputed my mortgage and auto insurance payments from XX/XX/year>. All this happened while I was furloughed as a Government employee. 

I called CASHAPP on the XXXX of XXXX and told them what was going on. The lady on the phone told me, since I was disputing with my bank theor was nothing they needed to do with me. I called back some days later after my dispute came back as no error from the bank even though they are aware it was fraudulent. That is when an " investigation '' was launched. They took came back as no " error ''. 

Cashapp handle XXXX XXXX  Email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MD

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-16 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: WV

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / Equifax / XXXX  XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXXXXXX  ( XXXX ), XXXX ( XXXX ), and XXXX v. XXXX  ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-16 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: MD

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TN XXXX Date : XX/XX/year> Via Certified Mail Return Receipt Requested XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, MO XXXX RE : Notice of Billing Error, Cease and Desist, and Demand for Correction Pursuant to 15 U.S.C. 1666 and 15 U.S.C. 1666 ( b ) To Whom It May Concern, This letter serves as formal written notice of a billing error dispute pursuant to the Truth in Lending Act ( TILA ), 15 U.S.C. 1666, and a demand that you cease and desist from reporting inaccurate and disputed late payment information to any consumer reporting agency.Date ( s ) of Alleged Late Payment ( s ) : XXXX- Acc closed XXXX- XXXX XXXX +120 days late Notice of Legal Rights Any continued reporting of disputed late payments prior to completion of a lawful investigation constitutes a violation of 15 U.S.C. 1666, and may also give rise to liability under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Failure to comply may result in enforcement actions, including but not limited to claims for actual damages, statutory damages, attorneys fees, and costs as provided by law.

This letter does not constitute an admission of liability or acknowledgment of the debt. It is sent solely for the purpose of preserving and enforcing my rights under federal consumer protection law.

Please govern yourselves accordingly. 
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 2025-12-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NV

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.2

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MA

Complaint narrative:
I deposited {$100.00} into my cash app account on XX/XX/XXXX and the account has been frozen since then. Im unable to access my funds. I have tried SEVERAL times to talk to customer service and they keep telling me the specialty team is going to contact me to let me know why my account has been frozen but no contact has been made to me. All I want is my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: VA

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

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 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

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 2025-12-16 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal dispute regarding certain items on my credit reports with XXXX, Experian, and XXXX. Below are the details of the disputed accounts and inquiries : Charged Off Accounts : XXXX XXXX - XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX  - XXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX XXXX  - XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} Inquiries : XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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 am disputing the following accounts on my TransUnion credit report. The accounts listed below are incorrect and I request that they be thoroughly investigated. 

CHARGED OFF XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX  Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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