vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: NY

Complaint narrative:
Yes, Im making a notation about cash app. I have stocks with them and they are selling my stocks without my permission or authorization and Im not even getting the money after they sell it and I tried to speak to them and all I do is keep getting around that somebody sent me an email nobody ever gets back to me. Nobody can tell me all they do is keep reading off the same statement That has nothing to do with. How do you sell my stock without my permission and this is not the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: FC HoldCo LLC
State: MI

Complaint narrative:
In approximately the weekend of XXXX XXXX the cluster panel of the vehicle failed that caused no ability to see any mileage or gas level all of it went completely black The next week continued after the finance company was informed of the status of the cluster panel there was more electrical failure before I could get the vehicle taken to the shop to be diagnosed. I was informed to take it to the shop to be diagnosed I had taken the vehicle to the auto parts store and the parts for their pre-diagnosis was on an expensive scale, that was something I informed Flagship acceptance of. I was offered lowering of the note by {$100.00} dollars for a period of time to help cover what it would cost fix the vehicle. Then the vehicle stop run running all together I informed Flagship acceptance of that also and they guided towards the gap insurance that was purchased on the vehicle and gave me the information for the company. Preferred Administrators XXXX to only find out the policy I had been paying for did not exist. After that I continue to follow what Flagship suggested concerning the vehicle to try to see if I could get it fixed. I went to several different mechanics I could afford to pay to fix the vehicle most stated they were not willing to touch the type of electrical work needed for the vehicle. Some were only willing to do some, but that was before the vehicle went completely out. After the vehicle went completely out I just decided my best course course of action was voluntary surrender because there was a lot wrong that was gon na cost a lot that I could not afford to pay and pay the note on the car. Flagship was not working with me and the car was not running anyway. I submitted the paperwork on XXXX XXXX and I am still receiving calls from Flagship and the vehicle is still at my house because they have not arranged for the pick up of the vehicle. It is as though I never submitted the paperwork at all. I do not believe they have fair practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: NC

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : * Creditor/Collection Agency Name : XXXX XXXX XXXX * Account Number : XXXX * Amount : {$3800.00} * Date of Account:XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible.

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me.

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA

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 2025-09-06 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 am very upset to discover that the inaccurate accounts are still appearing on my credit report today. I checked and even refreshed my browser, but nothing changed, which makes this situation even more stressful. I need this matter fixed right away, and I expect that the documents I sent be checked thoroughly so I can stop dealing with this unnecessary problem.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer 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 2025-09-06 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-06 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/year>, I noticed that a XXXX dollar transfer took place in my account that I did not authorize from a money management app. I called and they froze my account. They gave me a new account number but not the funds that were stolen. The next day I was alerted that a likely fraudulent transaction occurred by an automated system ( text message alert ) from discover. Even though Ive alerted them and they also alerted me of this fraudulent activity, they will not allow me to have the XXXX dollars credited back to my account. 

Further, there was severe evidence of fraud. My email address was altered to a " XXXX '' domain name. This type of domain name, from my research, is a temporary email domain that is heavily used in fraud activity. It is not clear to me why they even allowed that email change to occur. 

They claim that they have 2 factor automatically setup in my account. They do not. My older account seems to have never been grandfathered in to use 2 factor authentication.

All in all, I am disgusted that Discover has the ability to steal funds from my account when I alerted them of the fraud, and their own systems also alerted me of the fraud. Their security needs to be investigated on top of me being able to get my money back from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-05 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am filing this complaint against Credit Collection SVCS I, for reporting and attempting to collect a debt that I have no knowledge of and for which I have received no validation or proof of ownership. This account appeared on my credit report without any prior notice, and I have never received a debt validation letter or any documentation from Credit Collection SVCS I verifying this debt. I have not entered into any agreement or contract with Credit Collection SVCS I, and I do not recognize the account they are attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification and validation of any debt. Credit Collection SVCS I has not provided any documentation to prove the debt is mine including the name of the original creditor, itemized balance, or any signed agreement. This lack of transparency and failure to comply with federal law is unacceptable. The continued reporting of this unverified debt is damaging my credit and violates my consumer rights. The balance states paid with {$0.00} balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
I have been trying to get this company to call or fix the problem that is blocking me from getting my money back they just send emails to reset. I still can not access my account. It has been over a month now. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violatio
n, for account listed without my expressed written consent.

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 2025-09-06 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: MI

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX, through TransUnion, illegally reinserted a collection account onto my credit report without providing the legally required written notice or verification under FCRA 611 ( a ) ( 5 ) ( B ). 

This exact XXXX account had been deleted from my report on XX/XX/XXXX ( see evidence ). Under federal law, a deleted account can not be re-reported unless fully verified and the consumer is notified within XXXX business days. This never happened. 

Equifax continues to report this same XXXX account inaccurately, while Experian shows no record of it, proving inconsistent and false reporting across bureaus. 

Additional issues : - XXXX XXXX is reporting a false XXXX XXXX XXXX collection on TransUnion with no verification. 
- XXXX XXXX is reporting inaccurately on Equifax. 
- All three bureaus repeatedly marked my disputes as verified without providing proof, violating FCRA 611 ( a ). 

* * Actual Damages : * * Due to these false reports, I was denied a {$140000.00} home loan, as shown in my attached evidence. Between XXXX and XX/XX/XXXX, multiple auto financing attempts were also blocked, resulting in significant financial loss and emotional distress. 

* * Requested Resolution : * * XXXX. XXXX deletion of all inaccurate accounts ( XXXX, XXXX XXXX, XXXX XXXX ) from all credit bureaus. 
XXXX. Full written explanation of how these accounts were verified and why they were reinserted. 
XXXX. Compensation for damages caused by these repeated violations. I am seeking {$150000.00} to cover statutory damages and actual harm caused by a denied {$140000.00} home loan and numerous failed credit applications. 
XXXX. XXXX that these accounts will not be re-reported without full FCRA compliance. 

While I am fully prepared to escalate to federal litigation, I am open to resolving this matter through a fair settlement that includes both deletion and compensation.

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 2025-09-05 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violatio
n, for account listed without my expressed written consent.

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 2025-09-05 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violatio
n, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief