vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX ( Acct. # XXXX ) XXXX XXXX ( Acct. # XXXX ) XXXX XXXX ( Acct. # XXXX ) XXXX XXXX ( Acct. # XXXX ) XXXX ( Acct. # 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 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
all accounts were disputed twice this year, i then sent out letters asking for verification and wet ink signatures and to no avail. it's been over 5 months. Accounts were removed then placed back on my credit report, I then disputed again, and it was approved for removal again and it's now been 5 months accounts remain on my credit report. No validation has ever been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Subject : Request for Debt Validation Under 15 U.S.C. 1692g ( FDCPA ) To Whom It May Concern, I am writing in response to a collection account you have reported to the credit bureaus. This is a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Under federal law, I have the right to request full validation of this alleged debt before any further collection efforts or credit reporting continue. I am requesting the following : The original creditors name and address The original account number A full itemized accounting of the alleged debt Proof that you are legally authorized to collect this debt A copy of the contract or agreement bearing my signature showing I agreed to this debt Verification that this account is being reported accurately and legally under the FCRA ( 15 U.S.C. 1681 et seq. ) Until this information is provided : You must cease all collection efforts ( per FDCPA 1692g ( b ) ) You must remove the account from my credit reports with TransUnion, Equifax, and Experian If this debt can not be validated, continued collection and reporting violates the FDCPA and FCRA, and I will file complaints with the CFPB, FTC, and XXXX XXXX XXXX and may pursue legal action for statutory and actual damages. 

This letter is sent without acknowledgment of liability or ownership of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
b"Multiple times from XXXX XXXX to XXXX, I have tried to access my experian account to modify my freeze status.\n\nI am unable to login. When I attempt the login, the website just reloads. I have tried to reset my password, and that fails as it never sends me the verification text message.  I've tried calling them at their contact us phone number XXXX XXXX XXXX), and the robot tells me to try online. I am unable to connect with a human. No matter what avenue I try, I end up going in a circle where online reset tells me to call, and on the call the robot tell me to try online."

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 2025-06-01 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Ohio XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request to Correct Inaccuracies in My Credit Report Dear Equifax Dispute Department, I am writing to formally dispute inaccuracies in my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 and 611. Upon reviewing my credit report, I have identified several errors that I request be investigated and corrected promptly.

The inaccuracies include : Incorrect or outdated addresses listed in my report.

Variations of my name that are inaccurate or not associated with me.

Incorrect employment information, also inquiries.

These errors are causing confusion and may negatively impact my credit profile. Under FCRA Section 609 ( a ) ( 1 ), I have the right to request all information in my credit file, including the sources of this inaccurate information. Additionally, under FCRA Section 611 ( a ), I am entitled to dispute any inaccurate or incomplete information on my credit report, and Equifax is required to conduct a reasonable investigation and correct or delete any unverifiable information. 
Please find my identifying information below to assist with your investigation : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I have also attached copies of the following documents to verify my identity and support this dispute : A copy of my government-issued ID. 
A bank statement. 

I request that you investigate these inaccuracies, update my credit report to reflect accurate information, and provide me with a corrected copy of my credit report using my email address only. If you require any additional information, please contact me at XXXX or XXXX. 

I appreciate your prompt attention to this matter and look forward to your written confirmation that these issues have been resolved within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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:
Please check the information concerning the equifax data breach below in the attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: PNC Bank N.A.
State: AR

Complaint narrative:
In reviewing my IRS account for XXXX, I discovered a XXXX submitted by PNC Bank XXXX claiming {$16000.00} in discharged consumer loan debt. 

I have never had a loan or account with PNC Bank. I have never received statements, notices, or any communications related to this alleged debt. I have also reviewed my full credit reports and there is no record of this account, this balance, or any activity from PNC. 

This XXXX was filed without any valid basis, and now it is causing me potential tax exposure. I filed my XXXX  tax return before discovering this. PNC 's false reporting may result in IRS penalties unless corrected. 

This appears to be a case of identity theft, misreporting, or gross negligence, and I am requesting a full investigation and immediate correction by PNC. 

Please assist in resolving this matter. I am happy to provide a copy of the XXXX and my IRS transcript showing the false entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
I was sued for a debt that was not proven to be mine by a third party debt collector who also made untrue claims that they served me a court summons in which they were granted a default judgment and now they are seeking another default judgement for the same case

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
On XX/XX/XXXX, a new collections appeared on my credit reports from XXXX, XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX ). I disputed the account and the amount of {$14000.00}. I received notification of account closed through credit bureau. Then, same company re-opened collections account with an increase of {$14000.00}, a week later the collections account increased by {$23.00}, and new balance was {$14000.00}. 

I tried to dispute but it was within the 30 days of investigation so I was not able to open a new dispute. 

On XX/XX/XXXX, I received notification from XXXX XXXX XXXX  that the amount increased again to {$15000.00}. I disputed on both bureaus on XX/XX/XXXX. 

On XX/XX/XXXX, I disputed same collection agency on my XXXX. The amount was different on my XXXX  than XXXX and XXXX. The balance on my XXXX  was {$15000.00}. 

Before XX/XX/XXXX, I had not heard from the original creditor or any attempts from the collection agency ( no emails, text messages, phone calls ) before that. I simply wanted to get some documents pertaining to any accuracy information. No response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
Yes cash app I want to know what's going on with my currency with the XXXX with that and also my taxes or whatever the IRS I need to know what's going on with my amended Thursday month check as well as the currency the XXXX form I don't even know what that what that's for I'm also unemployment yeah I think they sent me money out as well I'm not sure when but I need to know what's going on with that but cash app from the currency I don't know much money I got in my XXXX and how can I get it out XXXX  actually was good they sent me the XXXX form XXXX XXXX XXXX and I don't know where to send it to or I know I put my social down but I don't know where exactly send it to what company to and what exactly for money that's owed to me or for the XXXX  currency so I want to know how much money I got in there can I take that out in to have any money in XXXX XXXX  also known as XXXX  XXXX and the XXXX  XXXX I want to know if there's any money in there right now and also the XXXX XXXX  XXXX card they actually hung up on me and they cancel out one of my cards and they are giving me a hard time about getting into my account and XXXX XXXX  account I need to get into that I have the business account card as well but they're trying to say that I have to verify my stuff over which I did and I have the XXXX prepaid card to XXXX I thought it XXXX XXXX card I'm waiting for my XXXX card to come but then tell me that I have to verify and I did all that it's hard to get my stuff back that I really had my XXXX business found card my regular XXXX card I also want to know how much money do I have period in my XXXX pay because they give me a really hard time to verify myself and I sent over XXXX  XXXX a lot of verification a lot of IDs and stuff so I just want to know if any money came in and out of any of my accounts cash app money with my card XXXX yeah just to see if anyone came in at my XXXX XXXX in XXXX XXXX  I can't even buy stuff on mine with them so please let me know

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
I have identified the reporting of the information on my consumer report that is a result of identity theft. These information are not related to any transactions by me. Its unauthorized. PLEASE DELETE INQUIRIES ... XXXX XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XX/XX/year> XXXX, I ONLY LIVE AT XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX PLEASE DELETE ALL OTHER ADDRESSES. ADDRESS XXXX XXXX XXXX XXXX NY XXXX, NOT MINE, XXXX XXXX XXXX XXXX XXXX, OH XXXX, NOT MINE, DELETE XXXX XXXX XXXX XXXX, TX XXXX, NOT MINE, XXXX XXXX XXXX XXXX, NY XXXX, NOT MINE, XXXX XXXX XXXX XXXXXXXX, NY XXXX. I NEVER LIVED AT ANY OTHER ADDRESS. MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.SC.

& 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

I appreciate your prompt attention on this matter, and await your reply.

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 2025-06-02 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: NY

Complaint narrative:
I have identified the reporting of the information on my consumer report that is a result of identity theft. These information are not related to any transactions by me. Its unauthorized. PLEASE DELETE INQUIRIES ... XXXX XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XX/XX/year> XXXX, I ONLY LIVE AT XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX PLEASE DELETE ALL OTHER ADDRESSES. ADDRESS XXXX XXXX XXXX XXXX NY XXXX, NOT MINE, XXXX XXXX XXXX XXXX XXXX, OH XXXX, NOT MINE, DELETE XXXX XXXX XXXX XXXX, TX XXXX, NOT MINE, XXXX XXXX XXXX XXXX, NY XXXX, NOT MINE, XXXX XXXX XXXX XXXXXXXX, NY XXXX. I NEVER LIVED AT ANY OTHER ADDRESS. MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.SC.

& 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

I appreciate your prompt attention on this matter, and await your reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Block Request to Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXXXXXX XXXX XXXX XXXXnDate of Inquiry: XXXX XXXX XXXX XXXXDate of Inquiry: XXXX XXXX XXXX XXXXDATE OF INQUIRY: XXXX XXXX XXXX XXXXDATE OF INQUIRY: XXXX XXXX XXXXDATE OF INQUIRY: XXXX XXXX XXXX XXXXDATE OF INQUIRY: XXXX XXXX XXXX XXXXDATE OF INQUIRY: XXXX XXXX XXXX XXXXDATE OF INQUIRY: XXXX XXXX XXXX XXXXDATE OF INQUIRY: XXXX XXXX XXXXDATE OF INQUIRYXXXX XXXX XXXX XXXXDATE OF INQUIRY: XXXX XXXX XXXXDATE OF INQUIRY: XXXX XXXXDATE OF INQUIRY: XXXX XXXX XXXXDATE OF INQUIRYXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnDATE OF INQUIRY: XXXX XXXX XXXXPlease block this information from my credit report within four business days, pursuant to section\n605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate\nyour prompt attention to this matter.'

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 2025-06-02 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: FL

Complaint narrative:
Despite multiple inquiries, my information continues to be inaccurate showing incorrect past due status, which is hurting my credit score and ability to obtain a car loan. I had been set up with a low-interest payment plan through XXXX to pay off my balance but they would have to close out my credit card for that arrangement, which they did. I have payments on autopay on the XXXX of each month, which are being paid as evidenced by my decreasing balance each month. XXXX even mails me a receipt on my payment every month. However, I am in past due status which makes no senseI have no late payment fees charged to me and absolutely NO communication from XXXX that my account is past due. I had no idea of this until I saw this on credit report. This is unfair. Under the Fair Credit Reporting Act ( FCRA ), I request this account be removed from my credit report.

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 2025-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I have an XXXXXXXX XXXX XXXX  with comenity. I have always been able to sign in and make payments on the balance, though it has been difficult at times. This time I spent over 20 minutes trying to sign in, entering multiple 2FA codes, just trying to sign in so I could make a payment on time. I learned that a lot of other people have had problems signing in to their website to make a payment, then have been charged late fees for not paying on time. I think they there is a good chance they are intentionally making it hard to sign in and pay just to rack up late fees. Every other credit card I make payments on presents no problem to sign in and do so-just comenity. I am very capable with computers so it isn't on my end. I deleted cookies numerous times, tried several different paths, typed the password in manually instead of having the password manager fill it in. I never got logged in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-01 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/2025, the U.S. Bank branch located in XXXX, Washington, allowed an unauthorized individual to walk in without proper credentials and obtain a cashier 's check for the entire balance of my checking account at the time, totaling {$1400.00}. Additionally, a fraudulent charge of {$25.00} was made. 

I immediately contacted U.S. Bank the following day, XX/XX/2025, to report the fraud. Despite my efforts, the bank has been entirely uncooperative : -They refuse to disclose whether the individual who received the cashier 's check provided any signature or identification. 
-They have refused to cooperate with the police investigation regarding this theft. 
-I attempted to resolve this in person at the XXXX , Washington branch, but was met with no success. 
- They have refused my request to close the compromised checking account. 
-Crucially, they are claiming my identity can not be proven and have denied me access to my own funds and account, despite my attempts to verify my identity. 
-I have received no financial compensation or temporary relief whatsoever for the stolen funds. 
- The branch manager I was in contact with has " ghosted '' me and has not responded to my communications for going on four days now. 

The immediate and severe impact of these actions is devastating : I am currently stranded approximately 2.5 hours away from my home in XXXX Washington. 
I have been left with absolutely no money for food or gas to get to work, I've missed at least 8 shifts, let alone to return my home. 
I am unable to pay any of my bills. 
Adding to this catastrophic situation, my car broke down this week, leaving me without transportation, and I can't buy the part to fix it obviously cause I don't seem to have a bank account. 

U.S. Bank 's negligence in allowing this fraudulent transaction, coupled with their subsequent refusal to cooperate, their denial of my identity, and their abandonment of communication, has put my life in immediate jeopardy. I am facing extreme hardship, including the very real threat of being unable to survive and potentially losing my livelihood and residence due to their actions. 

Given the profound breach of trust and the extreme trauma I have endured due to U.S. Bank 's actions and inaction, it is my firm intention to close all my accounts and move my banking to a new institution once this matter is resolved.

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