vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 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: OH

Complaint narrative:
XX/XX/year> Under USC Sec 15 FTC and FCRA 1681, 1682, 1683, 1684, 1028g, i am requesting that these unauthorized inquiries be removed from my report immediately. Thank You! 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CA

Complaint narrative:
I fell into a hardship due to the company unauthorized deposits made and were unavaible to me. I lost more than XXXX in unauthorized transactions ranging from cents to XXXX  amount. My bank could not help on there part i left to take on the company solely. I did what i thought was going to get my funds but cashapp just ingored me the whole process no claim or anything referenced just a XXXX XXXX saying we will get back to you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Fraudulent Collection Account Reporting Violation of FCRA XXXX XXXX XXXX ( Original Creditor : TXXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Date Opened : XX/XX/year> Original balance : {$570.00} XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX ) Account number : XXXX Date Opened : XX/XX/year> Original balance : {$240.00} Statement : I am filing this complaint because a fraudulent collection account is being reported on my credit file. This account does not belong to me and is the result of identity theft and/or inaccurate reporting. Despite disputing with the credit reporting agencies and the collection agency, this account remains on my report in violation of federal law. 

Violations : 1. * FCRA 602 ( A ), 15 U.S.C. 1681 ( a ) * Congress recognizes the need to ensure fair and accurate credit reporting. Reporting fraudulent information defeats the purpose of fair reporting.

2. * FCRA 611 ( a ), 15 U.S.C. 1681i ( a ) * Credit bureaus are required to conduct a reasonable reinvestigation of disputed information. The reporting agencies have failed to properly investigate or provide verification of the alleged debt.

3. * FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) * A furnisher ( the collection agency ) may not furnish information on a c

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 2025-08-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Block, Inc.
State: TN

Complaint narrative:
Cashapp charged my account as well as my personal banking account for {$100.00}. Im confused about this payment amount and payment date because its not part of my payment plan details but when I reached out they claimed it to be the reason. I doubled checked my payment schedule and plan details to make sure I didnt sign up for weekly payments since I dont get paid weekly. I get paid bi-weekly. I double checked and it shows bi-weekly with 1 time payment amount of {$420.00} due XX/XX/year>. This is not my first time getting this and I always select to pay it all at once since it aligns with the bi-weekly payment schedule. They dont want to fix the issue but their negligence will result in overdraft fees and possibly late fees for my monthly bills I have setup for auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under 15 U.S.C. 1681c2, a consumer reporting agency must block any information in a consumers file that the consumer identifies as resulting from alleged identity theft within four business days of receiving the consumers request.

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my second complaint regarding Experians handling of my dispute. Experian claims the furnisher verified the disputed debt as accurate. However, I have attached a letter directly from the creditor showing that they agreed to delete/suppress the item. Experians response is false and misleading. They are failing to comply with the FCRA by reporting inaccurate information despite the furnishers confirmation to remove it. I request that Experian immediately update my credit report to reflect the creditors action and remove the disputed item. I am seeking corrective action and assurance that my credit report is accurate. 
REVIEW LETTERS IN ENTIRETY YOU WILL SEE THE COMPANY AGREED TO THIS.

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 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have requested validation of two debts that I allegedly owe to this creditor, and I have not received any documentation. I have no knowledge of ever doing business with this company. I have attached the letters I have sent to the company along with proof of receipt with tracking numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I want the fees waived because i was never sent a reminder via my email about payments that were due. When i specifically remember setting it up. They charged me an interest of XXXX dollar and a late fee of {$31.00}. I never got a reminder via email like i used to about this so i missed the date to pay the late payment fee and just kept adding addidtional late payment fees on top of the late payment fee that was already due creating a big debt for me. And all because they didn't send me reminder via email. I also talked to a td bank person via phone and they said that once we send out the money to the bank we will then pay the balance. Now i hear from another person. That once the transaction is posted thats when the balance has been paid. Oh and did i mention they locked me out of my account for 2 months so that i wouldn't be able to see my balance so i couldn'tdo anything about it?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: OK

Complaint narrative:
I took out a loan for {$800.00} on XX/XX/year>. When approved I was asked for electronic signatures before seeing the actual contract and terms of the loan. After a few hours, the contract was made available to me. Surprisengly the annual percentage rate was XXXXXXXX XXXX  XXXX ; total finance charge {$2300.00} XXXX ; total of payments {$3100.00} XXXX ; XXXX payments of {$230.00} and XXXX payment of {$100.00}. I buried my XXXX XXXX XXXX XXXX on XX/XX/year> and thats why I borrowed the {$800.00}.

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 2025-08-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, Zip ] [ Date ] XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate XXXX XXXX under FCRA XXXX File No : XXXX To Whom It May Concern : I am formally disputing the accuracy of the reporting of XXXX XXXX, accounXXXX XXXX XXXX XXXX XXXX XXXX 
This account was paid and closed on XX/XX/XXXX, yet your report continues to list derogatory information : Paid, Closed ; was 30 days past due. 

This reporting is misleading and violates : - * 15 U.S.C. 1681e ( b ) * ( maximum possible accuracy requirement ).

- * 15 U.S.C. 1681i ( a ) ( 1 ) * ( duty to reinvestigate disputed information ).

A paid and closed account can not legally continue to reflect a derogatory late payment if no outstanding obligation exists.

I request that you conduct a reinvestigation and delete the derogatory remark within 30 days as required by law. If unverifiable, it must be removed pursuant to * 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) *.

Sincerely, [ Your Signature ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Experian XXXX. Name : XXXX XXXX XXXX Account : XXXX Amount : {$970.00} Date Opened : XXXX XXXX. XXXX XXXX XXXX Account : XXXX Amount : {$3200.00} Date Opened : XXXX XXXX. XXXX XXXX Account : XXXX Amount : {$1400.00} Date Opened : XXXX XXXX. XXXX Account : XXXX Amount : {$6400.00} Date opened : XXXX XXXX. XXXX Account : XXXX Amount : {$440.00} Date opened : XXXX XXXX. XXXX Account : XXXX Amount : {$2000.00} Date opened : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$970.00} Date Opened : XXXX XXXX. Portfolio Account : XXXX Amount : {$3200.00} Date Opened : XXXX ( Only Collection ) XXXX. XXXX XXXX Account : XXXX Amount : {$1400.00} Date Opened : XXXX XXXX. XXXX Account : XXXX Amount : {$6400.00} Date opened : XXXX XXXX. XXXX Account : XXXX Amount : {$440.00} Date opened : XXXX XXXX. XXXX Account : XXXX Amount : {$2000.00} Date opened : XXXX XXXX  XXXX. XXXX Account : XXXX Amount : {$910.00} Date Opened : XXXX XXXX. XXXX XXXX Account : XXXX Amount : {$1400.00} Date Opened : XXXX XXXX. XXXX Account : XXXX Amount : {$6400.00} Date opened : XXXX XXXX. XXXX Account : XXXX Amount : {$440.00} Date opened : XXXX XXXX. XXXX Account : XXXX Amount : {$2000.00} Date opened : XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me.I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NM

Complaint narrative:
XXXX XXXX received physical mail at her residence congratulating her on her new loan. This mail came from Mountain America Credit Union in XXXX Arizona ( XXXX XXXX XXXX XXXX in XXXX XXXX, AZ XXXX. ) This mail came on XX/XX/XXXX. A few days later she received a rejection letter and in the same postal delivery, got a loan packet. When she called the fraud department of XXXX ( XXXX ) they gave her the information on the vehicle : XXXX XXXX XXXX- VIN # XXXX and that it was purchased at XXXX  XXXX XXXX XXXX XXXX XXXX Texas XXXX She made a report to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). That case number is XXXX. This loan should not have been able to be obtained as XXXX had already locked all the credit bureaus and locked her social security number. She also had XXXX and did not get any notification of the loan until way later. I don't know how this person was able to get a car loan while XXXX had all of these safeguards in place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I am filing this complaint because Transworld Systems , Inc. has engaged in the following conduct : 1. Failure to Validate Debt - Despite XXXX certified written requests ( received XX/XX/year>, XX/XX/year>, and XX/XX/year> ), Transworld has not provided proper documentation to validate the alleged debt, including chain of assignment or legal authority to collect as required by FDCPA ( 15 U.S.C. 1692g ) and Pennsylvania Fair Credit Extension Uniformity Act.

2. Inflated Debt Amount - Transworld is attempting to collect {$11000.00}, which exceeds the court-ordered judgement of {$5100.00} from a related eviction case without providing statutory or contractual authority for the excess amount. The only documents provided were lease agreements with inconsistent addresses and dates. 

XXXX. Continued Contact After Written Cease Request - On XX/XX/year>, I requested all communication be by mail only. Despite this, Transworld continued to place phone calls as recently as XX/XX/year> using XXXX XXXXXXXX XXXX XXXX No Response Within XXXX Business Days - My XX/XX/year>, follow-up letter gave XXXX business days to respond before I would file formal complaints. That deadline has passed without any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: GA

Complaint narrative:
This account was charged off on the following date ( MONTH, YEAR OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations, You falled to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of following account : Accounts Name - XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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 recently checked my credit report and noticed multiple fraudulent accounts reporting to my file. Its extremely frustrating to my background going forward

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 2025-08-24 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:
I recently checked my credit report and noticed multiple fraudulent accounts reporting to my file. Its extremely frustrating to my background going forward

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: FC HoldCo LLC
State: OH

Complaint narrative:
They report late payments on my credit report without following the procedures for the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I sent {$1200.00} through Remitly ( Transaction Reference Number : XXXX ) at XXXX XXXX  XXXX. 

More than 10 days have passed since XXXX received these funds. The money has not been transmitted to the intended recipient and I have not provided any instructions to cancel, hold, or delay the transfer. 

On XX/XX/year>, I submitted a written refund request directly to Remitly for this transaction ( and others ). Despite this, Remitly has not refunded my money.

According to Remitlys Right to Refund policy and Section XXXX of the California Financial Code, I am entitled to : A full refund of {$1200.00}, and If they fail to process the refund promptly, an additional penalty up to {$1000.00} plus attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX, I received a message from a number claiming to be Wells Fargo. This message used the exact template a Wells Fargo message actually uses. This message seemed like an automatic message notifying me about a suspicious denied transaction on my account, asking if I approved this. I replied no and immediately received a phone call from Wells Fargo Fraud Department. They stated they would be sending me a new card. When I complained about multiple unauthorized transactions despite receiving new card, they offered changing my entire account number and setting up a new account. After much talk, they asked to test out this new account. He said he added {$9000.00} provisional credit to my account and to transfer this money between a temporary card on XXXX XXXX  and my bank to make sure transactions are going through on my phone. He then scheduled me for a follow up call the next day to finish my new accounts. I missed the follow up cal the next day and when I called back there was no answer. I called Wells Fargo directly and asked to speak with him and I was told I was scammed. I reported everything that happened and send picture evidence of this fraudulent {$9000.00} transaction. The banker reassured me I would get my money bank in this case. On XX/XX/XXXX, my claim was denied. I called on XX/XX/XXXX for further information. The banker was only able to tell me its most likely because you authorized the transaction and that there was no more information on my claim. 
I did not authorize this transaction to this unknown individual. I was meant to believe this was Wells Fargo I was talking to and that I was not paying someone. 
On top of all this, When I logged into my Wells Fargo account to check my claim status, I noticed my credit card also had an unauthorized charge which was luckily not approved and was not charged. I called and reported this as well, and am receiving a new credit card soon. 
This has the most stressful situation Ive had, and Wells Fargo has proven to be a poor company when it comes to supporting their clients and keeping accounts safe. {$9000.00} was the majority of what I had in my account, and as a younger individual I find this crushing as it took me XXXX years to finally save up this money in my checking account. This is devastating and Wells Fargo refuses to help me in this situation.

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 2025-08-24 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Global Lending Services LLC
State: OH

Complaint narrative:
On XX/XX/year>, my attorney office sent a letter out to Global Lending Services, letting them know i was disputing the debt alleged by them. the letter was with accordance with the Fair Debt Collection Practices Act, Section 809-b. but Global Lending Services never sent his office any paper work he asked for so on XX/XX/year> his office sent them another letter and now its XX/XX/year> and still have not goten any thing from them,

Company response to consumer: Closed with explanation