vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 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: VA

Complaint narrative:
I am writing to dispute the following credit inquiries on my Transunion credit report, as I do not recognize or authorize them. Please remove these inquiries from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized by me and are negatively affecting my credit standing. Under the Fair Credit Reporting Act ( FCRA ), please remove these unauthorized inquiries from my credit report. 

Thank you for your 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 non-monetary relief
Consumer complaint received 2025-09-21 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: Block, Inc.
State: WV

Complaint narrative:
I tried to use my CashApp account on XX/XX/year>. I was told my account was closed for violating the terms of service. I asked their support chat for clarification and an appeal and I was just re-connected to a different agent who told me the same pre-written vague script about violating the terms of service. I asked for an appeal and was never emailed a confirmation of one being submitted. Nor a transaction ID or case number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On approximately XX/XX/year>, I answered a phone call from someone claiming to be " XXXX XXXX XXXX. '' They said that I had an unpaid dept of {$6600.00} regarding a prior Capital One account. They also said that they would take me to court if I did not settle this. I agreed to a settlement amount of {$4600.00} and to send them {$1100.00} as a down payment ( I used a Virtual Credit card set up through Affirm ) and then to pay the balance {$100.00} a month using my current Capital One CC. All of these payments were being sent to " XXXX XXXX '' that claims to be a billing service. After paying the {$1100.00} and making XXXX ( XXXX ) {$100.00} payments, I then ran into cash flow problems and wanted to call " XXXX '' to push off a payment. It was then that I realized that I did not have their phone number and when I looked on the internet I could not find their firm. When I searched my email, I only have one related email received on XX/XX/year> from DocsFiling XXXX '' including a XXXX attachment that appears to be a letter from XXXX XXXX XXXX XXXX When I looked more closely at this document, they do not list their phone number. They give the address of " XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. '' This is a real address by the building does not list a XXXX " XXXX XXXX XXXX. '' When I call XXXX XXXX they do not answer but ask me to leave a message. I have no phone no. or way to reach XXXX. I have opened a dispute with XXXX and Capital One. When I researched this using XXXX 's AI, I received this information : " XXXX  warning : The XXXX XXXX XXXX XXXX XXXXXXXX XXXX received a report in XX/XX/year> where a scammer posing as " XXXX XXXX XXXX '' sent a fraudulent settlement offer email through XXXX and used a payment method that redirected to XXXX Processing. '' This is exactly what has happened to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OH

Complaint narrative:
I froze my credit with LexisNexis on XX/XX/year>. 

I just received a letter from XXXX that my credit report was provided to them on XX/XX/year> without my approval. 

The letter from XXXX is dated XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Experian Subject : Identity Theft Dispute Under FCRA XXXX XXXX Request to Block Fraudulent Accounts Dear XXXX  XXXX Department, I am writing to formally dispute several fraudulent accounts and inquiries on my credit report, which I believe are the result of identity theft, likely stemming from a data breach that compromised my personal information. These accounts were not opened or authorized by me. 

Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am requesting that XXXX  block these fraudulent items from my credit report within the required four ( 4 ) business days upon receipt of this request and supporting documentation.

Disputed Items Due to Identity Theft : XXXX. XXXX {$17000.00} XXXX. XXXX {$22000.00} XXXX. XXXX XXXX XXXX  {$1600.00} XXXX. XXXX XXXX {$1100.00} XXXX. XXXX & XXXX {$1600.00} XXXX. XXXX XXXX XXXX {$1400.00} I did not apply for, authorize, or open any of these accounts. I affirm under penalty of perjury that these items are the result of identity theft. 



Enclosed Documentation ( per FCRA Section 605B ) : 1. A copy of my government-issued photo ID 2. A copy of a utility bill or other proof of current address 3. A copy of the Identity Theft Report, including : An FTC Identity Theft Affidavit and/or a police report 4. A signed written statement affirming that the disputed information was the result of identity theft and was not initiated by me Requested Action : Please block the above fraudulent items from my credit report in accordance with the FCRA. Once the block has been applied, please send me written confirmation. If any part of this request is denied, please provide a written explanation as required by law.

Thank you for your prompt attention to this matter. If further information is needed, I am happy to assist. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Receivable Management Services LLC
State: TN

Complaint narrative:
I am disputing a collection account reported by Receivable ( XXXX XXXX ) on my XXXX credit report. 

Collection Agency : Receivable Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported Balance : {$0.00} Original Creditor : XXXX XXXX Status : Paid This account is showing as a paid collection. Since there is no balance due and no active delinquency, this account should be removed entirely as it no longer serves a legitimate purpose under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Revenue, Inc.
State: MS

Complaint narrative:
I was awarded {$6100.00} in a Pell grant from FASFA. The school was sent the entire check, and it was cashed. Then when the second 9weeks came around, they originally said I owed {$5000.00} in order to continue. I sent them all the documents showing they were already paid. They forced me to drop out. Now they say I owed {$1400.00}. Which I have sent multiple times all the supporting documents. I have sent it to both them and the credit bureau. I do not owe this debt. It has been paid twice already.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/year>, XXXXXXXX XXXX  I was issued a VISA Rewards card {$45.00}. 

The card has an expiry of XX/XX/year> on it. 
The card expired with a remaining balance of {$34.00} on XX/XX/year>. 

Visa is saying they can not issue me a new card, and they can not give me my {$34.00} back. 

As per XXXX XXXX XXXXXXXX the gift card can not expire less than 5 year. Yet my card did expire and VISA is denying me my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
It has now been a year I have been dealing with this. XXXX XXXX XXXX XXXX XXXX. I have lost jobs, become homeless and started failing in school delaying my degree. Unsure what needs to be done for things to continue to be taken seriously with credit reporting agencies refusal to do their job therefore not only causing XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The continued denial of credit because of this ONE credit bureaus refusal to do what the law tells them they are supposed to do. I guess you have never been a victim of human trafficking or identity theft, this isn't a big deal but f0r those who have and have and trying to rebuild their life, this is only continued trauma. I filed a complaint back on XX/XX/year> # XXXX and nothing was done, you just took the word of Equifax even with my proof. I have continued to this day to try and send in disputes, file complaints, mailed a SECOND appeal which again they said they never received. They continue to send me the same repeated emails saying they never received y requested documents from my original request, although I have proof of not only calling but emailing the docs back. but get an email saying the reached an an attempt t try and resolve but I didn't resolve. This is obviously a DELIBERANT attempt of refusal to block information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Who higher up do I need to complain to or do I need to hire a lawyer at this point and start another lawsuit for a claim against them to be taken seriously because they will continue to do this to victims and not all of us are strong enough to keep fighting. But I have kids and I am trying to clean up my credit and have managed to sustain my credit with XXXX XXXX XXXX  as they do their job. I have asked Equifax several times why they re refusing the signed statement from the XXXX where I was receiving counseling and XXXX XXXX from as that should be all I need to provide as a XXXX XXXX XXXX and the number to the agency is on there and I have verified several times that Equifax has NOT reached out to them. Please take this seriously and make them change their practices. They have no one in that specific department you can talk to for answers. Nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I reached to out an individual on XXXX They were listing an house for rent. I text the number XXXX ( XXXX ) XXXX. They responded promptly via text and asked some basic questions about my reason for renting, how many people, pets, etc. Once through those questions, they asked for my email to send my a credit report application. The Property Address is : XXXX XXXX XXXX XXXX NJ XXXX. I shared my email. I then received an email from XXXX XXXX XXXX The message included the following message with a link... 

" Property rental process Please check your credit report=> ( APPLY NOW ) It is refundable. Fill it out step by step. After completing that, you can see your credit report then give me a screenshot of it. Thank you '' I was suspicious due to the email 's misspelled name and the request to click a link for the credit report and the highlighted text in the message making it seem as if it were copied from somewhere. I asked the individual to confirm their name. They confirmed their name as XXXX XXXX. Rather than creating an account through the link they sent, I went directly to the TransUnion site on my own to create an account. The individual going by XXXX XXXX claimed I would be reimbursed for purchasing the monthly subscription to complete the application. As requested, I sent a screen shot, but only of the first 2 pages which included information like ... My DOB, Current Address, Previous Address, Current Employer, My credit score, previous credit checks, the amount of credit accounts I have, the number of closed I have, and other info which I have shared in the attached document. 

They then confirmed that I could visit and see the property on XX/XX/year> at XXXX. I reached out at approximately XXXX on XX/XX/year> to confirm the appointment. There was no response via text. At approximately XXXXXXXX XXXX, they emailed me asking me to send another application for {$1.00} in order to be able to see the home. 

I then decided that it must be fraud, sent the email to spam, and blocked their number. Their contact info is listed below... 

Name : XXXX XXXX Email : XXXX Number : XXXX ( 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 2025-09-21 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: Coinbase, Inc.
State: FL

Complaint narrative:
I don't understand what's going on once I open any financial accounts my account got blocked automatically wish I don't know why and im worried

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I requested for XXXX XXXX XXXX  Credit card companies to validate the debts as I reported to them these cards were obtained through identity theft and sent them official records stating this, however they did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Recovery Management
State: TN

Complaint narrative:
I am disputing an inaccurate collection account reported by XXXX XXXX XXXX on my XXXX  credit report. 

Collection Agency : XXXX XXXX XXXX XXXXccount # XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$660.00} Original Creditor : XXXX XXXX XXXX XXXX ( XXXX ) Date of First Delinquency : XX/XX/2024 Status : Unpaid Medical collections are often reported in error and without proper consumer validation. This account has not been verified with original billing statements or contracts, making the reporting inaccurate and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Capital Services, LLC
State: IL

Complaint narrative:
On XX/XX/year>, this company bought an illegal debt and marked it as collections. That loan violates the Illinois predatory act with APR over 36 %. The debt should be removed from my credit report. 

An illegal loan in Illinois is generally any loan with an Annual Percentage Rate ( APR ) exceeding 36 %, in violation of the state 's Predatory Loan Prevention Act ( PLPA ). 

I will be reporting them to the XXXX  Attorney governor as well.

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 2025-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation
State: TX

Complaint narrative:
I requested to receive validation of the debt and supporting documentation from Regional Finance and they did not provide this in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Equifax Subject : Identity Theft Dispute Under FCRA Section 605B Request to Block Fraudulent Accounts To whom it may concern I am writing to formally dispute several fraudulent accounts and inquiries on my credit report, which I believe are the result of identity theft, likely stemming from a data breach that compromised my personal information. These accounts were not opened or authorized by me.

Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am requesting that equifax block these fraudulent items from my credit report within the required four ( 4 ) business days upon receipt of this request and supporting documentation. 



Disputed Items Due to Identity Theft : XXXX. XXXX {$17000.00} XXXX. XXXX {$22000.00} XXXX. XXXX XXXX Bank {$1600.00} XXXX. XXXX XXXX {$1100.00} XXXX. XXXX & XXXX {$1600.00} XXXX. XXXX XXXX XXXX {$1400.00} I did not apply for, authorize, or open any of these accounts. I affirm under penalty of perjury that these items are the result of identity theft. 



Enclosed Documentation ( per FCRA Section 605B ) : 1. A copy of my government-issued photo ID 2. A copy of a utility bill or other proof of current address 3. A copy of the Identity Theft Report, including : An FTC Identity Theft Affidavit and/or a police report 4. A signed written statement affirming that the disputed information was the result of identity theft and was not initiated by me Requested Action : Please block the above fraudulent items from my credit report in accordance with the FCRA. Once the block has been applied, please send me written confirmation. If any part of this request is denied, please provide a written explanation as required by law.

Thank you for your prompt attention to this matter. If further information is needed, I am happy to assist. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: GA

Complaint narrative:
I requested the bureaus and for the companies to remove transaction history, I have also requested the bureaus to remove any personal information such as name addresses phone numbers emails that are not mailable or callable per law and have left them with the information that should stay on the report. 
I also have hard inquiries that do not belong or are attached to any account and or that I did not initiate. 
I have not received any action from anybody besides stating that they are unable to comply with my request. I have also included the laws that are directly involved with this which would be 15 USC 6802 the privacy active 1974 15 USC 1611 15 USC 1681 and 15 USC 6801

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I requested the bureaus and for the companies to remove transaction history, I have also requested the bureaus to remove any personal information such as name addresses phone numbers emails that are not mailable or callable per law and have left them with the information that should stay on the report. 
I also have hard inquiries that do not belong or are attached to any account and or that I did not initiate. 
I have not received any action from anybody besides stating that they are unable to comply with my request. I have also included the laws that are directly involved with this which would be 15 USC 6802 the privacy active 1974 15 USC 1611 15 USC 1681 and 15 USC 6801

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U. S. C 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: GA

Complaint narrative:
Can u delet my report n file. Ther was identity theft and no authorization was given for it.

Company response to consumer: Closed with explanation