vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: TN

Complaint narrative:
On XX/XX/year>, I transferred XXXX dollars from my bank ( XXXX XXXX XXXX ) in XXXX TN to my cash app account. On that same day I authorized a XXXX payment to my niece XXXX XXXX the money was transferred to her cash app card from my cash app card, the problem begins here, I sent it to one of her old cash app accounts that she does not have access to. My niece and I began calling cash app support within minutes of the transfer begging them to refund the XXXX back to my card so that I can then repeat the transaction only using her current cash app account. Cash app would not allow this even after repeatedly telling them it was an old account that she could not access they wanted her to provide information about the old account she continued to explain to them that she could not remember the information pertaining to the old account, this is when I was told to file a dispute I then filled the dispute on XXXX on XXXX I was informed the request to refund the XXXX back to my account was denied they used the reason because I authorized the transaction, I do not deny I authorized the transaction I just need the XXXX back in the meantime the money is just setting in her account which she can't access and I don't know who is getting the cash I am assuming it's in limbo. Please help me that is my rent money that is now not paid, and I am getting evicted it's so easy to see I sent the cash, and you can also look through my activity and see I made a transaction to her old account over a year ago and all transactions forward have been to the account I thought I was sending the XXXX to. I have reached out to cash app several more times even asked to speak with a supervisor with no response I am begging you help me get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: OK

Complaint narrative:
I claim no association with these accounts ; please remove them within 15 days in line with USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Solvent Plus LLC
State: CT

Complaint narrative:
This complaint relates to CFPB case # XXXX filed against XXXX XXXX XXXX XXXX XXXX In XXXX response, they confirmed that my former credit card account ( ending XXXX ) was sold to Solvent Plus, LLC on XX/XX/XXXX with a charged-off balance of {$660.00}, and they directed me to Solvent Plus for all account documentation. 

I sent Solvent Plus a written request on XX/XX/XXXX for a complete copy of my billing statements and transaction history. When no response was received, I mailed a second notice by certified mail on XX/XX/XXXX, which was delivered XX/XX/XXXX, according to XXXX tracking. 

As of XX/XX/XXXX, I have completed all required payments under my arrangement with Solvent Plus, LLC. To date, Solvent Plus has provided no documentation and no written response. On XX/XX/XXXX, I received XXXX isolated billing statement from XXXX ( covering XX/XX/XXXX XX/XX/XXXX ) with no explanation. This partial response demonstrates that both XXXX and XXXX XXXX still have access to account records, yet neither has provided the complete account history I lawfully requested. 

Solvent Pluss continued silence violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and consumer-protection standards requiring debt collectors to provide validation and account documentation upon written request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunnova Energy Corporation
State: PR

Complaint narrative:
I have a solar lease that was originally contracted with Sunnova Energy. The company filed for bankruptcy, and my account was transferred to XXXX XXXX without my consent or notice. 

Since early 2025, my solar system has been completely inoperative it produces no solar energy, and the XXXX XXXX shows Service Required XXXX XXXX. The local service provider, XXXX XXXX XXXX, confirmed that the system is XXXX and pending approval from XXXX for months, but no repair has been made. 

Despite this, XXXX is billing me for another customers system. The invoice they sent lists XXXX ID XXXX, which belongs to someone else ( a deceased customer ). My actual system has a different ID, and it has been nonfunctional for months. 

I have already paid over {$1000.00} in combined lease and utility bills for a system that produces zero energy. I contacted XXXX and XXXX multiple times they either terminate the call or give inconsistent information. XXXX confirmed that no service order exists for my system. 

This is a serious billing and account error that also involves possible misuse of customer information. I am being billed for a non-functional system that isnt mine. I request immediate suspension of billing, correction of the account to reflect the proper XXXX ID, and confirmation that no negative credit reporting or collection actions will occur.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-07 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC
State: NC

Complaint narrative:
XXXX ] XXXX XX/XX/year> Source Receivables MNG Subject : Request for Debt Validation Dear [ Debt Collectors Name or To Whom It May Concern ], I am writing in response to your [ letter which I received on regarding the alleged debt with account number XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt. Please provide the following : 1. The name and address of the original creditor ; 2. The amount of the alleged debt, including an itemized statement of any fees or interest added ; 3. A copy of any judgment ( if applicable ) ; 4. Verification that you are authorized to collect this debt in my state ; and 5. A copy of the original contract or agreement bearing my signature that shows I have a legal obligation to pay this debt. 
Until you provide the requested documentation, I am requesting that all collection activity cease, including any reporting of this alleged debt to credit bureaus, as doing so without proper validation would be a violation of the FDCPA. 
Please send your response to the address listed above. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX This letter serves as formal confirmation that XXXX XXXX / source Receivables MNG is the legal owner of the debt originally owed by relating to the account or agreement dated [ Original Date of Debt ], with reference number [ Reference Number, if applicable ]. 
The debt, amounting to pursuant to [ agreement or contract name, if applicable ]. As of the date of this letter, holds full ownership and all rights associated with the collection and management of this debt. 
Enclosed/attached are copies of the relevant documentation evidencing this transfer of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
Review the attached information ; these inquiries appeared without notice and may not have approval.

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 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit called saying they bought my account. XXXX Back had mishandled the information, and the problem was never resolved with them. I was making payments to someone calling from the bank, but it was all a scam. I explained to everyone that the information they had was mine, but nothing matched up when I called to pay and retrieve the information. Someone used my information to commit fraud and open loans in my name. Now I have a court order to collect the money from me, withholding the funds from my account. Midland Credit called, threatening me, saying that if I didn't pay, they knew where I lived and would kill me. That was my response when the representative who called said she would put her manager in charge to work out a payment plan, but these threats were the reason I stopped answering them. This happened in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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 am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: AZ

Complaint narrative:
I am writing to dispute the following charged-off account that appears on my credit report 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: FL

Complaint narrative:
My devices were hacked for about 2 years and in early XXXX, I was charged 3 times on my cash app by a social engineering app called XXXX. XXXX each that was not approved .. XXXX couldn't help. XXXX refused rudely. Cashapp said they can't while just refusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: U.S. BANCORP
State: CA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-11-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX program is showing my funds release for use today, XX/XX/XXXX. However when I call the card I am told my balance is XXXX dollars and my deposit for {$240.00} was deposited on XX/XX/year>. I can not access the app because only my login ID is being provided when requesting my password, and have been locked out. There is absolutely, XXXX  % NO WAY to speak with an actual person and every phone number in connection to the WaytoGo card will disconnect the call and not provide an option to speak with any type of a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 
The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
Guarantee all account removals follow legal timelines and compliance standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
This insurance company is refusing to pay us a check to repair the house. We've been talking to them because children live here, and they just say they don't care. There's a lot of dampness and mold in the house, and they just hang up the phone. They say they don't care at all. Hi

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Took loans out from an individual on reddit, and loans have been paid back in full with the exception of some interest. Individual disputed transaction of {$600.00}, and I wasn't able to get through to anyone at venmo so I let it go through so they could be paid their interest. Loans are satisfied in full, and all payments have been sent through zelle so I have proof. XXXX is no longer talking to me on reddit. Another dispute came through today and it's " under review '' supposedly for an unauthorized transaction. This transaction is months old, and it was not unauthorized. It was generated by them, and I can't for the life of me understand why venmo would allow this. I realize it's under review, but I'm concerned given how venmo handled my last dispute. They make it impossible to respond to the dispute as their system just states error. I emailed the dispute email I could find on XXXX, and you can't get ahold of anyone in their customer service department to discuss. I'm very concerned they're going to say I owe another {$600.00}, as my venmo account is already in the red from the last dispute. That's {$1200.00}, and they can't be operating correctly, as not giving consumers the option to truly dispute is wrong. I understand that there XXXX not be much you can do, but I need some help. I need to be able to provide documentation to venmo, and I need to be able to show them the transaction was authorized. I do care about the initial {$600.00}, however, it's already done so likely not much I can do. Frankly, I'm not sure venmo is operating within state and federal guidelines, as they let someone claim to be a buyer who didn't receive their goods, however, this was likely an illegal interest loan in my state, and venmo recollected the funds for this individual like a debt collector. It's downright scary, and I need someone to help me get in touch with someone at venmo, so I'm not out {$1200.00} that's been paid back to the individual who loaned me money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-07 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: EA Holdings Corp.
State: IL

Complaint narrative:
Easy accept sold me a vehicle that wasnt worth it I drove off the lot and the engine light came on I returned it so they could fix it and the engine light came back on again so I gave them their car back I also file a bbb report now they have changed their name from auto warehouse to something different I just want this removed from my credit so that I am able to get another vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/year> I received an email from PayPal informing me that my account had been temporarily blocked. The supposed reason was that someone had tried to open another account in my name. I notified PayPal for information and spoke with a CSR and he said that he did not see any indication on my account that someone had tried to open another account in my name. So I asked him to reinstate my account and he told me for him to do so I would have to download a copy of my driver 's license and send it to him. I had no intention of sending him a copy of my driver 's license as I felt it would not be safe to do so. I have had a PayPal account for many years and didn't have to send them a copy of my driver 's license to open the account. He told me that that was the only way he could reactivate the account even though he had just told me that there was no indication that anyone had tried to do what the email claimed. So I told him to just close out my account and he told me he could not without me sending him a copy of my driver 's license. I am not sending him a copy of my driver 's license as that is unsafe. I want the account closed and they will not assist in doing so. So I wish to file this complaint against them.

Company response to consumer: Closed with non-monetary relief