vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: IN

Complaint narrative:
XXXX XXXX XXXX : XX/XX/2025 Aldous & Associates , PLLC Physical Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX -- - To Whom It May Concern, I am writing in response to your claim that I owe a debt in the amount of {$7200.00} allegedly owed to Compass Property Management. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which gives me the right to request validation of the debt you claim I owe. Please provide the following information in writing : 1. Proof that you are legally authorized to collect this debt including documentation that Aldous & Associates , PLLC  is licensed to collect debts in my state ( XXXX  ). 2. A complete and detailed accounting of the alleged debt including itemized charges, dates, interest, fees, and how the total balance of {$7200.00} was calculated. 3. The name and address of the original creditor ( Compass Property Management ) and any subsequent owners of the debt. 4. A copy of the original contract or lease agreement bearing my signature, showing that I am legally obligated for this debt. 5. Proof that this debt is still within the applicable statute of limitations for collection in the state of Indiana. 6. Proof that you have the right to collect this debt including a copy of any assignment, transfer, or sale agreement giving Aldous & Associates the legal authority to collect on behalf of the creditor. 7. Proof that the amount you are attempting to collect is accurate, complete, and legally enforceable. Be advised that until you provide the above documentation, I am disputing this debt in its entirety and requesting that all collection activity cease, including reporting of this alleged debt to any credit reporting agency, until validation is provided. Additionally, please communicate with me only in writing at the mailing address listed above. If you fail to provide proper validation, or if you continue collection efforts without fulfilling your obligations under the FDCPA, I will consider this matter unresolved and may file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Indiana Attorney Generals Office, and any other relevant regulatory agencies. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: ND

Complaint narrative:
The account listed is not mine and is being reported in error.

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 2025-10-03 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: ND

Complaint narrative:
The account listed is not mine and is being reported in error.

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 2025-10-03 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: OH

Complaint narrative:
i needed to send some money from my cash app to my XXXX account.i have my XXXX linked to my cash app but not the other way around. ive never linked any account to my cash app account from what i remember. 
on XX/XX/XXXX i entered my account and routing number into my cash app account i then sent XXXX dollars to my XXXX XXXX even says on the app it was sent to the account i have with venmo., but it didnt go threw instantly so i called and sent them messages telling them to cancel it and they did thankfully On XXXX  i sent XXXX dollars to my XXXX and it didnt go threw instantly so i sent cash app a message threw the app to cancel.A few hrs later i didnt see the money in either account so i called. 
i was told the money was sent to a card that was linked to my account ending in XXXX from XXXX bank and XXXX NOT MY XXXX XXXX was told i needed to call them to get them to release the funds back to them.i called them 3 times they said there was no record of me even having a account.ive called XXXX they said they didnt recieve anything i called XXXX they said it could take up to XXXX  days to get my money back.i said XXXX no i cant i just had to borrow money i dont have to pay somebody.im in a bind right now because of this. 
i then told them i wanted to speak to a member of managent.They said i need to talk to them threw a email and it would take up to XXXX  days to hear back from them.i said no i wan na speak to a member of managment not another bot.ive called twice a day ever since.never spoken with a manager.all the technology in the world and the cand even given give me the name on the card ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive identified collection accounts on my credit report that I believe contain inaccurate details. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is accurate and verifiable. I am requesting a review of these accounts, and if they can not be verified, they must be removed.

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 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have noticed collection accounts on my credit report that appear to contain inaccurate information. In accordance with my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting a review of these accounts, and if they can not be confirmed as accurate, they should be removed.

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 2025-10-03 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: ND

Complaint narrative:
This account was paid in full, yet it is still showing late payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
What happened : On XX/XX/year> at XXXX, I attempted to withdraw {$200.00} from a non-Chase ATM. The machine did not dispense any cash. I immediately obtained evidence, including a photo of the ATM error screen showing : AMOUNT DISPENSED {$0.00} TRANSACTION IS NOT APPROVED ERROR CODE : XXXX. 

My online bank statement also confirms the transaction was processed, even though no cash was dispensed. 

I reported the error to Chase on XX/XX/year> and opened claim reference XXXX. Despite the clear evidence I provided, Chase denied my claim based on documents from the ATM operator that supposedly show I received the funds. This is false. 

Chase representatives told me on XX/XX/year> that they mailed me the ATM operators documentation and that it would arrive within 10 business days. As of today, I still have not received anything. 

Why this is a problem : Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. 1005.11 ), Chase was required to conduct a reasonable investigation of my claim. I provided contemporaneous evidence ( receipt + ATM error photo ) that the machine did not dispense any money. Instead, Chase denied my claim based on third-party documents I have not been allowed to review. I believe this constitutes a failure to conduct a reasonable investigation and violates Regulation E.

Harm caused : I am missing {$200.00} from my account.

I have suffered stress, spent hours on the phone with Chase representatives, and felt discriminated against and dismissed in how I was treated.

What I want : 1. Immediate credit of the missing {$200.00}.

2. Written acknowledgment from Chase of its obligations under EFTA/Regulation E.

3. An apology from Chase representatives who mishandled my case
.

4. Damages/compensation for the stress, time spent, and mistreatment during the process.

5. Delivery of the ATM operators documents that Chase relied upon in denying my claim. 

I am attaching : Photo of the ATM error screen showing {$0.00} dispensed. 
Online statement/receipt showing the {$200.00} withdrawal transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I WAS LIVING IN NEW YORK AND APPLIED FOR AND WAS APPROVED FOR A CITIBANK XXXX CREDIT CARD. THE CARD NEVER ARRIVED AND IN THE MEANTIME I HAD TO MOVE TO XXXX FOR A FAMILY EMERGENCY. I HAD A MAIL SERVICING SERVICE THAT RECEIVED AND FORWARDED MY MAIL. THE CARD STILL NEVER ARRIVED. I CONTACTED CITI AND 2 DIFFERENT REPS SAID THEY WOULD FORWARD A NEW CARD TO ME. IT NEVER ARRIVED. I THEN TRIED TO SIMPLY CANCEL THE CARD ( WHICH WAS NEVER USED AND HAD A ZERO BALANCE ). I WAS TOLD BY NUMEROUS REPS AND SUPERVISORS AT CIT THAT I WOULD RECEIVE A LETTER WITH A CODE SO I COULD ACCESS THE ACCOUNT AND THEN CANCEL THE CARD IF THAT WAS MY PREFERENCE. THE LETTER NEVER ARRIVED BUT I DID GET A {$590.00} ANNUAL FEE FOR THE STRATA CARD PLACED ON MY ACCOUNT. SO I CAN'T CANCEL THE CARD, I NEVER RECEIVED OR USED THE CARD AND I'M ABOUT TO GET INTEREST AND LATE CHARGES ON THE {$590.00} ANNUAL FEE. AND IT WILL FOUL UP MY CREDIT. NOTHING CITI SAID THEY SEND NEVER ARRIVES. PLEASE HELP 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 monetary relief
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-10-03 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-10-03 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-03 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it 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 explanation
Consumer complaint received 2025-10-03 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:
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Due to health and XXXX my income has reduced. I became behind on payments. I've attempted to arrange payments however I can't gain access to Affirm via email, phone and App. Affirm does not provide a phone number or email. Affirm refers you to Frequent Asked Questions. FAQ did not answer my questions or clarify their answers. Recently the communication I've received seemed fraudulent and I no longer trust Affirm. On XX/XX/XXXX, I spoke with a male Rep from Affirm with a very strong accent difficult to understand. The Rep repeatedly asked for my personal information over and over again. Requesting me to respond to verifying text and emails repeatedly and told me it was being recorded. I requested a Supervisor and he started the same process. I again became suspicious of giving them any more of my personal information. On XX/XX/XXXX at XXXX I called Affirm and received a woman on the phone that struggled with the English language. She went through the identifying process that did not seem to stop. Again, I felt uncomfortable giving her any more of my personal information. I asked if she was from the Affirm Call Center? She stated yes, however it was obvious she was not in a call center because I could her a Rooster in the back ground and some TV noise. None of these calls were successful with arranging payments for my accounts. Affirms website did not work properly. They sent an email with " Pay Now '' and my personal banking information ; that should not have been sent in an email. In fact I do not want creditors keeping my banking information without my permission. Second, the Affirm App does not work. I'm not able to get past their identifying process. Affirms sends a passkey to my email that doesn't show up in my email. Third, Affirm sends email demanding payments that I can't respond to. I received repeated no-reply emails. I located an email that I thought I could use and discuss payments but it turned out to be a no-reply email. I am concerned about giving any personal information because I don't trust Affirms methods. They have reported me to the credit bureaus. I could have prevented this if I could access professional ethical staff at Affirm. Another issue I want to add is that Affirm makes difficult to locate their phone number. I XXXX and found their phone number. The concern is ; this places me in a vulnerable situation for scams. The number may not be Affirms and could be a copycat.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have noticed collection accounts on my credit report that appear to contain inaccurate information. In accordance with my rights under XXXX USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting a review of these accounts, and if they can not be confirmed as accurate, they should be removed.

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 2025-10-03 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief