vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 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: DISCOVER BANK
State: VA

Complaint narrative:
Discover : Are you attempting a XXXX XXXX transaction for the amount of {$75.00} XXXX not reply XXXX for no & reply y for yes. All data rates may be applied Discover : thank you for replying!! The next available customer representative will give you a call to follow up with the transactions in question .all data rate may be applied The scammed texted me and call me from XXXX and requested my bank information and well as confirming my address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NC

Complaint narrative:
I am writing to report that I have been the victim of identity theft and fraud. My personal and financial life has been disrupted by inaccurate accounts, unauthorized inquiries, and false information that do not belong to me. Most concerning, one of the major credit bureaus ( XXXX  ) even reported my name and date of birth incorrectly, which is undeniable proof that my identity has been compromised. I have taken every step within my power to protect myself, including gathering and submitting supporting documents. I respectfully request that this matter be addressed with urgency, fairness, and without unnecessary delays or excuses. I did not cause this harm, and I should not continue to suffer because of the actions of identity thieves or reporting errors. My only goal is to have my true credit history restored, my identity respected, and these fraudulent accounts and inquiries permanently removed. I sincerely hope this matter can be resolved promptly and professionally, with no stalling, no unnecessary questioning, and no further burden placed on me as the victim

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 2025-09-29 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: VA

Complaint narrative:
From : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, VA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax, XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX TransUnion, XXXX. XXXX XXXX, XXXX, PA XXXX Date : XX/XX/XXXX Subject : Debt Validation Request and Cease & Desist This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681.

I dispute the validity of the alleged debts you are attempting to collect and/or report. I demand that you provide full and complete validation of each account you claim belongs to me, including but not limited to the following documentation : Proof of your legal ownership or right to collect this debt ( chain of title from the original creditor ).

A copy of the original signed contract or application bearing my signature that created this alleged obligation.

A complete payment history from the original creditor, showing how the alleged balance was calculated.

Proof that the debt is within the statute of limitations for collection in my state.

Proof of your license to collect debts in the state of Virginia.

All documents with my signature proving this account legally belongs to me.

Until this information is provided, you must immediately cease and desist all collection activity, including phone calls, mail, electronic communication, and reporting or verifying this debt with any credit bureau.

Furthermore, I demand that the credit reporting agencies ( Experian, Equifax, TransUnion ) immediately block, delete, or suppress any unvalidated accounts from my credit file in accordance with FCRA guidelines.

If you fail to comply with this request, you will be in violation of federal law, and I reserve the right to pursue all legal remedies available, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Virginia Attorney Generals Office, and pursuing civil claims for damages.

This is a formal request for validation and notice to cease and desist collection activities until full validation has been completed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent {$500.00}. To XXXX XXXX for parts for a XXXX XXXX XXXX just like I had done in the past. Unfortunately this time I was told right away that he did not have the part & was unable to return my money. I chased XXXX XXXX for 5 months. These conversations took place over 52 text messages which I forwarded to CashApp numerous times.I have filed dispute under scam twice to no avail. XXXX XXXX does not exist the gentlemans name is XXXX XXXX & is currently in the XXXX XXXX XXXX for fraud. From what I gather the account was hacked & the felonious party has this money that should be insured somehow by CashApp at least under failed to send merchandise.I have complied with CashApp 110 % & would like this made right! I have since blocked XXXX XXXX as well as requested he return funds via Cash App Portal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NY

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 2025-09-29 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: NY

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 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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXXXXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$990.00} XX/XX/XXXX XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX XXXX * * * * * * * * * * * * * * * * - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX A. XXXX 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-28 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXXXXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$990.00} XX/XX/XXXX XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX XXXX * * * * * * * * * * * * * * * * - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX A. XXXX 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 an 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 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 2025-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: VA

Complaint narrative:
American first financial I needed some work done on car. {$1500.00}. I did not immediately have so shop said here 's this service that can loan you the money. So I applied knowing the interest would be high like % 30 or % 36. I was approved for XXXX. I asked interest rate they said all that would be on paperwork at the mechanics shop. 
So I authorized my mechanic to do work. He found another issue said it would be additional {$600.00}. I figured I had the XXXX so go ahead and do work. 
So now I have a bill for XXXX. Mechanic has done the work I owe him. He prints out paperwork {$290.00} per month for 24 months. Something not adding up here seems incredibly high. I look over paperwork interest rate is % 176. Total charge over two year for a {$2100.00} loan was over {$6000.00}. Fortunately for me I had a CD that matured in couple weeks and I used a portion to payoff. 
My issue is the deceptive way they trap you. Don't disclose any info till you are on the hook for a bill. I was lucky but some folks don't have the resources to to pay it off in a couple weeks. If I was a poor working family desparate to get car fixed I would be furious but have no choice but to pay. 
This is predatory at its worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC
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. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXXUNITED WHOLESALEs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. XXXXUNITED WHOLESALE M has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

XXXXUNITED WHOLESALE M XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
On XXXX XXXX I mailed Midland Credit Management a letter asking to validate the debt they are saying that I owed. I ask that they provide me the information of validation within 30 days and still have not received the validation. I had received 2 notices saying I owe {$1700.00} and the other is {$740.00} however have not received the validation I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paycheck Solutions llc
State: UT

Complaint narrative:
I am filing a complaint against Paycheck Solutions regarding improper wage garnishment and disclosure of my private financial information. 

In XX/XX/year>, Paycheck Solutions garnished my wages while I XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never provided with a valid court order or garnishment notice before money was taken from my paycheck. I have since confirmed with my credit reports and account records that this company does not appear as a reported creditor or collector. 

When I filed a complaint with the XXXX XXXX XXXX Paycheck Solutions responded by posting highly sensitive personal details publicly, including my bankruptcy case information and financial hardship. They also emailed me the same response privately, confirming that this disclosure was intentional. This public posting violated my privacy and exposed information far beyond what was necessary to reply to a consumer complaint. 

Other consumers have filed similar XXXX  complaints against this company for wage garnishment and predatory practices, but Paycheck Solutions only responded to mine, in what appeared to be a retaliatory and intimidating manner. 

I believe Paycheck Solutions engaged in : Wage garnishment without proper legal notice or court order. 
Public disclosure of personal financial information in violation of my privacy rights. 
Predatory and retaliatory collection practices. 

I request CFPBs assistance in investigating this companys practices and ensuring that my private information is protected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
Dear Jefferson Capital Systems, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors : I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: AZ

Complaint narrative:
My personal information has been exposed in a data breach. These accounts do not belong to me. 

XXXX XXXX, Bal- {$240.00}, opened : XX/XX/XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, Bal- {$3600.00}, opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, Bal- {$20000.00}, opened XXXX XX/XX/XXXX XXXX XXXX, Bal- {$920.00}, opened : XX/XX/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 2025-09-29 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: AR

Complaint narrative:
I am filing this dispute because my credit file is showing accounts that are inaccurate and unauthorized. I did not open these accounts, I did not approve them, and I was never informed of their addition. On top of that, the details reported vary across the bureaus, which is a violation of the FCRA, 15 U.S.C. 1681e ( b ) requiring credit bureaus to report with maximum accuracy.

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 2025-09-29 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: AR

Complaint narrative:
I am filing this dispute because my credit file is showing accounts that are inaccurate and unauthorized. I did not open these accounts, I did not approve them, and I was never informed of their addition. On top of that, the details reported vary across the bureaus, which is a violation of the FCRA, 15 U.S.C. 1681e ( b ) requiring credit bureaus to report with maximum accuracy.

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 2025-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Klarna AB
State: CO

Complaint narrative:
email was received XXXX XXXX, XXXX  for debt agreement of 40 % then what I owe. 

I would like to have debt remove from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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 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 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 2025-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX XXXX continues to report against me on the main credit bureaus after my request for debt validation from their firm. 

I demand they Cease and Desist all negative reporting against me while there is an active dispute. 

XX/XX/XXXX and XX/XX/XXXX plus any other database XXXX XXXX XXXX is reporting to must Cease and Desist immediately any reporting of Collections and Negative data without properly validating the debt at my request.

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