vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kovo
State: SC

Complaint narrative:
This account was agreed to be removed from profile once it was paid in full due to the intention to improve credit.

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: Block, Inc.
State: TX

Complaint narrative:
I received {$500.00} from a friend through Cash App and tried to withdraw it to my moms XXXX debit card on XX/XX/year>. After the instant deposit fee, the amount was {$490.00}. 
The problem is that my moms XXXX card was already closed, so when the transfer tried to go through, the funds didnt post. My mom called XXXX, and XXXX confirmed they reversed the deposit and sent the money back to Cash Apps bank on XX/XX/year> under Claim ID XXXX ( XXXX XXXX ). 
I even have official documentation from XXXX showing the reversal and that the {$490.00} was returned to Cash App. However, Cash Apps support system has been extremely difficult to work with. They keep saying they never received the funds, even after I sent them proof. 
I filed a complaint before ( CFPB # XXXX ), but Cash App closed it saying no error occurred. When I provided new proof showing XXXX sent the money back, they marked it as a duplicate complaint and refused to reinvestigate. 
Im asking the CFPB to make Cash App reopen this case and properly review it, using the new XXXX documents that clearly show the money was returned to them on XX/XX/year>.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this fifth follow-up regarding discrepancies on my credit report related to the XXXX XXXX  account XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which continues to reflect inaccurate information. These inaccuracies are adversely affecting my credit report and my ability to access fair financial opportunities. 
The account is reported with a balance of {$0.00} and includes multiple late payments as follows : XXXX XXXX 30 days late XXXX XXXX 60 days late XXXX XXXX 90 days late XXXX XXXX  120 days late Upon reviewing my records, I can confirm that this account was never in the reported state, and the late payments are inaccurate. Furthermore, I have noticed that this same account is being reported as closed across other credit reporting entities, further indicating inconsistencies that need immediate correction.As a responsible consumer, I am invoking my rights under FCRA 609 ( a ), which allows me to request verification of any information on my credit report. Additionally, under FCRA 607 ( b ), credit reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of reported information. The discrepancies in this account suggest that these procedures have not been properly followed.Furthermore, FCRA 611 ( a ) ( 1 ) provides consumers the right to dispute any incomplete or inaccurate information, and FCRA 623 ( a ) ( 1 ) ( A ) obligates furnishers of information to report complete and accurate data.Based on these provisions,

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 information incorrect
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am filing this complaint because LVNV Funding LLC has reported a debt to my credit file that does not belong to me and has since initiated legal and collection actions without ever providing verification or valid proof of the alleged account. I have had no prior relationship or agreement with LVNV Funding LLC or XXXX XXXX XXXX, and I believe this to be a case of identity theft and fraudulent reporting. Approximately two years ago, a collection account from LVNV Funding LLC suddenly appeared on my credit report. I had received no prior notice, emails, phone calls, or correspondence from this company before that point. The debt allegedly originated from XXXX XXXX XXXX, a company with which I have never had an account. When I disputed this directly with the credit bureaus and XXXX XXXX, I was informed that no account existed under my name. 

Despite this, LVNV Funding LLC through their affiliate, Resurgent Capital Services began sending sporadic and pushy collection emails, even though I never received any mailed correspondence or proper debt validation notices as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Last year, I was notified through my local municipal court that LVNV and their attorney had filed a lawsuit against me. I initially suspected it was a scam given the lack of documentation or verification, but upon investigation, it appears that LVNV obtained a judgment using inaccurate and incomplete information. Recently, I discovered they are now attempting to pursue wage garnishment, using an old employer of mine, without any direct court communication or verified documentation being provided to me.

This account is entirely fraudulent and has caused me significant distress and harm to my credit. The amount listed has also increased the original balance of approximately {$840.00} now appears as over {$1000.00}, further demonstrating inconsistencies in their reporting and handling. I have disputed this account multiple times with the credit bureaus. I contacted XXXX XXXX XXXX, who confirmed there was no account in my name. I have filed reports with the Federal Trade Commission ( FTC ) and Ohio Attorney Generals Office, and I am in the process of submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ). I am requesting a hearing and legal counsel to address the improper lawsuit and prevent further wage garnishment attempts. 

This matter has caused serious emotional and financial hardship, and I respectfully request that the XXXX  assist in ensuring LVNV Funding LLC complies with all applicable consumer protection laws and resolves this case promptly and fairly.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: 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 am submitting this complaint as a victim of identity theft, multiple data breaches, and the ongoing misuse of my personal information by major consumer reporting agencies TransUnion, Equifax, and Experian. 

As a result of these breaches and the unauthorized sale and circulation of my personal data, there are now several unauthorized and inaccurate accounts that have been added to my credit reports without my written notice, consent, or verification. 

The following accounts are being reported inaccurately and are linked to the misuse of my personal identifying information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are negatively affecting my credit standing and causing substantial emotional and financial harm. Despite my efforts to dispute these items, the credit reporting agencies continue to circulate, buy, and sell my data for profit, disregarding my privacy rights and protections guaranteed under the Fair Credit Reporting Act ( FCRA ). 

I have attached supporting documentation, including : Copies of my dispute letters to TransUnion, Equifax, and Experian A sworn statement under penalty of perjury pursuant to 15 U.S.C. 1681c-2 Proof of my inclusion in the Equifax and TransUnion data breaches Government-issued identification and proof of address Under the FCRA ( 15 U.S.C. 1681, 1681c-2, 1681i, and 1681s-2 ), I am exercising my rights to : 1. Have all information resulting from data breaches and identity theft blocked or permanently removed from my credit reports ; 2. Request a comprehensive reinvestigation of how my data and credit information are being used, accessed, or shared ; 3. Require the credit reporting agencies and furnishers to cease dissemination and sale of my personal information to third parties ; and 4. Obtain written confirmation detailing corrective actions taken to protect the accuracy and integrity of my consumer file. 

I respectfully request the CFPBs direct assistance to ensure that TransUnion, Equifax, Experian, and the furnishers listed above comply with federal law, cease their unlawful practices, and immediately remove all inaccurate and unauthorized information from my consumer reports. 

Respectfully submitted, 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 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: FL

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: 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: VA

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in 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 non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sezzle Inc.
State: MD

Complaint narrative:
I saw an ad in XXXX about hats from XXXX XXXX XXXX XXXX so i clicked it and purchased it thru Sezzle, after the purchased, I didn't received any notification of order completion or tracking # for the shipment of whatsoever. So I checked my Sezzle account and the merchant name was XXXX XXXX which is very different from the URL of XXXX XXXX. I notified Sezzle about it, they asked for proof of screenshots of the URL and the order summary which I told them in the first place that I don't have as I got scammed because it's not the merchant that I intended to buy the product, they we're imitating the site. 

There was a back and forth emails, and at the end of this, Sezzle wants me to contact the FRAUD site and forcing me to communicate with them when I have informed them already that they are the scammer, who on earth would advise someone that have been scammed already and you will force them to talk to them, stupid. 

They denied my dispute on the grounds of lack of evidence as I didn't follow their instructions forcing me to talk to the scammer.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a confirmed victim of identity theft. 
Pursuant to 15 U.S.C. 1681c-2, you are hereby notified that the listed account ( s ) were opened fraudulently without my authorization or consent. I am formally requesting that you block and delete all information relating to these fraudulent accounts from my credit file within fourteen ( 14 ) days of receipt of this notice.

This notice is accompanied by my identity-theft affidavit, government-issued identification, and proof of address, satisfying all verification requirements under 1681c-2 ( a ). Failure to block or delete this information within the statutory timeframe constitutes willful noncompliance under 15 U.S.C. 1681n and 15 U.S.C. 16810, subject to civil penalties and attorney 's fees. 
Please provide written confirmation that the fraudulent tradeline ( s ) have been deleted and that no further reporting or reinsertion will occur without certification from the original creditor as required under 1681i ( a ) ( 5 ) ( B ).

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
I disputed some transactions that were clearly made fraudulently. This woman who took pictures of my card at a drive thru and spent over XXXX dollars on a XXXX  app. She was arrested and found guilty of over 4 felonies. I gave the bank the police report number and I also gave them the detectives number. It was clear that the transactions were not authorized by me. I contacted the XXXX XXXX  place where she used my card and they said the bank or police never even reached out to them. So the fact that SoFi tried to deny my claims and claim that no mistake was made is insane.

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 information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was surprised to find a late payment listed on my account, especially given my consistent history of timely payments. This error is causing undue XXXX, and I kindly request that you correct my records promptly.

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: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
I sent about XXXX to robinhood on XXXX XXXX XXXX from my bank ( XXXX ) XXXX That money never made it to robinhood but they gave me XXXX as a good faith loan while the money waited to get there. The money never got there supposedly and I had to pay them back XXXX. After checking my account the XXXX never made it to robinhood supposedly but was taken out of my account. Ive talked to robinhood more recently and now there telling me the money did make it to my account they just refunded XXXX XX/XX/XXXX and its still not back to my account. Ive been told conflicting things and I would just like my money. Additionally after reaching out to support teams in both sides Im still not provided with an actionable answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting a complaint regarding Wells Fargo Bank, N.A., which denied my fraud claim despite evidence of unauthorized ATM withdrawals and suspected mail theft. 

I opened a new account with Wells Fargo and was informed that a debit card and a separate letter containing the PIN would be mailed to my home at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX. Neither the card nor the PIN letter ever arrived. I did not receive any FedEx tracking email and never signed for a delivery. The card was therefore never in my possession and was never activated through my online or mobile banking. 

On XX/XX/XXXX and XXXX, XXXX  two ATM withdrawals of {$900.00} each ( total {$1800.00} ) were made at an ATM located at XXXX XXXX XXXX XXXX, XXXX XXXX, TX. I did not authorize these withdrawals. 

I immediately filed a fraud claim with Wells Fargo ( claim # XXXX ). After investigating, they denied my claim, stating that the card was delivered and signed for via XXXX, activated in my mobile app, and used with my existing PIN. These statements are inaccurate. I never received the card or tracking notice, never activated it, and could not have used a PIN for a card I did not possess. It appears the card and/or delivery were intercepted and fraudulently used. 

I have filed a police report with the XXXX XXXX Police Department for mail theft and unauthorized financial activity ( in process ). 

I call the bank to reopen the investigation, despite these requests, Wells Fargo has refused to reopen the case or provide evidence. I am therefore submitting this complaint here to request oversight and assistance in ensuring Wells Fargo complies with federal regulations and properly reinvestigates my claim. 

Thank you for your attention to this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: MIDFIRST BANK
State: TX

Complaint narrative:
Subject : Mortgage Servicing Complaint Delayed Payment Processing and Misapplication of Biweekly Payments To Whom It May Concern, I am submitting a formal complaint regarding the servicing practices of my mortgage lender, XXXX XXXX, related to my loan account. 

* * Loan Number * * : [ Insert your full loan number here ] * * Current Principal Balance * * : {$280000.00} * * Monthly Payment * * : {$2500.00} * * Interest Rate * * : [ Insert your interest rate, if known ] * * Payment Date Example * * : XX/XX/2025 * * Payment Breakdown * * : - Principal : {$1000.00} - Interest : {$530.00} - Escrow : {$1000.00} I have experienced the following issues : 1. * * Delayed Payment Processing * * : Payments are often delayed by up to 10 days before being applied to my account. This delay increases the interest accrued and undermines my efforts to reduce the principal balance efficiently. 

2. * * Biweekly Payment Misapplication * * : Although I make biweekly payments, XXXX XXXX  does not apply them upon receipt. Instead, they wait until the full monthly amount is received, which eliminates the interest-saving benefits of biweekly payments. 

3. * * Lack of Transparency * * : I have requested clarification on their payment processing and application policies but have not received a clear or satisfactory response. 

These practices appear to be designed to maximize interest charges at the borrowers expense and may violate fair servicing standards. I respectfully request that the CFPB investigate these practices and ensure that XXXX XXXX  is held accountable for any violations. 

I am prepared to provide supporting documentation, including screenshots and payment records. Please advise on the next steps or any additional information required. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas 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