vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I am filing this complaint due to American Express ( Amex ) and XXXX XXXX XXXX, XXXX. attempting to collect a fraudulent debt on my Amex account ending in XXXX, with a balance of {$5400.00}, as noted in a letter dated XX/XX/XXXX. This account, opened by an unauthorized business credit firm using my personal and business information, lists an incorrect address ( XXXX XXXX XXXX vs. my correct XXXX XXXX XXXX XXXX XXXXXXXX ), and I received no value, as documented in my updated FTC Identity Theft Report # XXXX ( XX/XX/XXXX ). On XX/XX/XXXX, I requested validation from XXXX, but they have not provided adequate proof ( e.g., wet-ink signature, chain of title ), violating FDCPA 1692g. 
Fraudulent Account : This mirrors other fraudulent accounts ( e.g., Amex XXXX, {$23000.00} ; XXXX XXXX, XXXX ) opened between XX/XX/XXXX and XX/XX/XXXX, supporting my identity theft claim. 
Legal Precedent : The XXXX  XXXX XXXX XXXX decision in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, Record No. XXXX ) ruled against improper debt collection practices, including failure to validate under FDCPA XXXX. This precedent applies to XXXX actions and supports my demand for cessation. 
Impact : This unvalidated debt, combined with XXXX XXXX  XXXX revocation based on related disputed data, has caused financial harm. 
Prior Actions : Ties to CFPB complaints # XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), # XXXX ( XXXX ), and the XXXX XX/XX/XXXX, Equifax lawsuit for sham investigations. 
Legal Violations : FDCPA XXXX : XXXX must validate within 30 days ( due XX/XX/XXXX ) ; failure mandates cessation. 
FDCPA 1692e : Potential misrepresentation, as in XXXX, if XXXX lacks ownership proof. 
FCRA 1681s-2 ( b ) : Amex and XXXX failed to investigate.

FCBA 1666 : I dispute this billing error. 
XXXX  XXXX ( ORC XXXX ) : Unfair practices. 
FTC XXXX XXXX : Unfair harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XXXX My correct Social Security number:XXXX My correct address is : 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 non-monetary relief
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
My credit report reflects late payment entries that I believe to be inaccurate. As per my rights under XXXX USC XXXX ( b ) and XXXX USC XXXX, I kindly request that these entries undergo verification. Should they remain unverified, I ask that they be promptly corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: DC

Complaint narrative:
XXXX XXXX added fraudulent charges and late payment fees to the XXXX XXXX account after it was closed. The XXXX XXXX XXXX account from XXXX was closed, paid in full and has a XXXX balance. The payment was never late. See attached the letter from XXXX and my Identity Theft Report. Please delete and block this account 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please remove the fraudulent XXXX suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: WI

Complaint narrative:
XXXX XXXX Consumer Social Security Number : XXXX, Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX * BALANCE : {$3100.00}, XXXX XXXXXXXX XXXX * * BALANCE : {$0.00}, XXXX XXXX XXXX * * * BALANCE : {$0.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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 am disputing the inaccurate late payment reporting for my XXXX  XXXX account ( XXXX ), which is being falsely reported across all three major credit bureaus. These entries are unsubstantiated and misleading, creating unnecessary barriers to financial opportunities and significantly damaging my credit score. This kind of reckless reporting is unacceptable and violates my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XX/XX/scrub>XXXX LVNV Funding XXXX XXXX XXXX XXXX SC, XXXX Dear Debt LVNV Funding, I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am requesting that you provide me with validation of the debt in question.

I dispute the validity of this debt and request that you provide the following information : XXXX. Verification of the amount of the debt, including a detailed breakdown of all charges and fees. 

XXXX. Verification that you are licensed to collect debts in my state. 

XXXX. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt. 

XXXX. A complete payment history, detailing all payments made and any credits applied to the account. 

XXXX. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt. 

Please note that my request is not an acknowledgment of the debts validity. I am simply exercising my rights under the FDCPA to obtain verification and validation of the debt. Until you provide the requested information, I am requesting that you cease all collection efforts and refrain from contacting me regarding this matter. 

Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in my assumption that this debt is not valid, and I will take the appropriate action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NY

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

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 2025-05-08 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: AR

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have provided documents that shows inaccurate reporting with no response.

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 2025-05-08 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: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is inaccurately reporting several unauthorized inquiries, including XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These inquiries were not authorized, yet they appear on my credit report, directly harming my credit score. This oversight reflects a failure to safeguard my sensitive financial data, potentially stemming from a breach or mishandling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the inaccurate late payment reporting for my XXXX XXXX account ( XXXX ), which is being falsely reported across all three major credit bureaus. These entries are unsubstantiated and misleading, creating unnecessary barriers to financial opportunities and significantly damaging my credit score. This kind of reckless reporting is unacceptable and violates my rights 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
I am submitting this follow-up complaint regarding TeleCheck Services , Inc. for continued violations of the Fair Credit Reporting Act ( FCRA ) after I submitted a complete XXXXB identity theft dispute on XX/XX/XXXX 

Despite receiving a notarized affidavit, FTC Identity Theft Report ( # XXXX ), proof of identity, and a highlighted copy of my TeleCheck report, TeleCheck refused to block or delete the following fraudulent data : 7 unauthorized account opening inquiries 4 approvals not initiated by me LTD Risk Ratings of XXXX and XXXX XXXX days of identity tracking {$1200.00} LTD value tied to my driver 's license Data furnished by XXXX and XXXX XXXX XXXX without my consent Their response confirms they received the data but ignored my lawful XXXXB identity theft request. Their conduct violates multiple FCRA sections : XXXXB Refusal to block identity theft data XXXX ( a ) No reasonable reinvestigation performed XXXX ( e ) Failure to notify furnishers of disputed data XXXX ( c ) Improper reinsertion without consumer notice XXXX ( a ) Failure to issue adverse action notice after financial denials XXXX Willful and negligent noncompliance causing real harm Tracking # : XXXX FTC ID Theft Report # : XXXX Prior CFPB Complaint # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Complaint : Cash App Withholding Funds for Over Two Years To Whom It May Concern, This letter is a formal complaint regarding funds that have been withheld in my Cash App account for over two years without resolution. Despite the transaction status showing Complete and the deduction of processing fees, the funds have not been made accessible or transferred to my linked account.

I have attempted to resolve this issue multiple times through Cash Apps support channels but have yet to receive a valid explanation or access to my funds. 

Below are details of the transactions in question : XXXX. Payer : XXXX XXXX XXXX : XX/XX/year> at XXXX XXXX  Amount Paid : {$1000.00} Fee : {$27.00} Total Deposited : {$970.00} Note : For bed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Paid : {$200.00} Fee : {$5.00} Total Deposited : {$190.00} I am requesting an immediate investigation and release of these funds to my account. If this matter is not resolved within 7 business days, I will consider pursuing legal counsel. Please provide a written response or resolution to this issue at your earliest convenience. 

My Information : Name : XXXX XXXX Phone : XXXX Email : XXXX Cash App Tag : XXXX XXXX  Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NY

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
I have repeatedly requested that XXXX XXXX provide me with my bank statements, and they continue to refuse. 
They have also lied many times saying they do not have my email address, which is false, as they have had my email address since the day I opened the accounts. 

If they would just email me my bank statements, we could be done with this issue and they won't have to USE ALL CAPS to yell at me in emails and complaint responses anymore.

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 2025-05-08 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX USC XXXXb regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
I checked by credit report and found that Equifax was reporting 7 hard inquiries on my credit report that I had never initiated. My information was compromised XXXX and XXXX years ago that was documented with a fraud alert on all three major credit reporting agencies. I believe someone is using that information again to try to open credit accounts in my name unsuccessfully due to the security protections that I put in place. 

This has resulted in the following hard inquiries that have been added to my Equifax credit report without my authorization : XXXXXXXX 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 reported the fraudulent inquiries to Equifax and requested proof that I placed these inquires myself. On the same day Equifax closed the dispute and provided no evidence that I was the cause of the hard inquiries on my file. This violates code in the following way : According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

To rectify the situation Equifax needs to provide evidence that I initiated the hard inquires listed above otherwise they need to be deleted from my Equifax credit report since they are fraudulent. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MI

Complaint narrative:
My CashApp account was closed due to Fraud activity. I stated to Block I never opened a business account with my personal account. They ignored me and sent me a 1099-K. I had no other options with them.

Because of my persistence, l later, received a letter from block stating that my quote affected account was identified in a potential hack.

No further action was taken on their behalf.

Please assist me in getting this resolved.

Company response to consumer: Closed with explanation