vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
Cashapp abruptly closed my account and sent a rewritten statement saying it was due to fraudulent activity. I requested to know exactly what activity or transactions were considered fraudulent. They have repeatedly refused to provide this information, instead they send an automated message saying " we don't have access to this information. '' I appealed the decision twice requesting my account be reinstated. They have refused. I believe My account was closed due to being part of the Class action law suit as my account was closed within days of being notified I would be receiving my payment through cashapp no later than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
All I know is from XXXX  and I believe I was not informed of this and no The evidence has been wiped away a few emails I have indicate this I do not know anything else about this but I believe I need it to be solved my Wells Fargo Bank no longer is in service because of these takeovers or whatever it was thank you please resolve 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 2025-09-29 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Subject : Data Breach & Fraudulent Account Dispute Block & Remove Accounts Under FCRA 605B To Whom It May Concern, I am the victim of identity theft and possible data breach exposure that has resulted in fraudulent accounts being reported under my name and Social Security number. I did not authorize or open these accounts, and I am demanding immediate action under the Fair Credit Reporting Act ( FCRA ) 605B.

The following accounts are fraudulent and must be blocked and removed within 4 business days : XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX Bank XXXX These accounts are the result of fraudulent activity tied to a breach of my personal identifying information. As required under FCRA 605B, you are legally obligated to : Block and remove these accounts from my credit file within 4 business days of receipt of this letter.

Cease reporting or verifying these accounts with any third parties.

Provide me with written confirmation that these items have been permanently deleted from my credit file. 

Please treat this as both a fraudulent account dispute and a data breach victim notice. 

Failure to comply with this request will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Virginia Attorney Generals Office. I also reserve my right to take civil legal action for damages under federal and state law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding BMW FINANCIAL SERVICESs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. BMW FINANCIAL SERVICES has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

BMW FINANCIAL SERVICES XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion letter dated XX/XX/year> ( Ref # XXXX ) refuses to process my certified dispute and addresses me by a name I have disputed as inaccurate. This violates FCRA 607 ( b ) and 611 ( a ) ( 1 ) ( A ). 

On XX/XX/year>, I sent a certified FCRA dispute, properly identifying myself and listing disputed accounts and inaccurate personal identifiers. 
Your XX/XX/year> letter ( # XXXX ) refuses to process that dispute and continues to address me by a name I have formally disputed and demanded be removed. 

This violates : FCRA 611 ( a ) ( 1 ) ( A ) : Duty to reinvestigate when a consumer directly notifies you of a dispute, including by certified mail. 

FCRA 607 ( b ) : Obligation to follow reasonable procedures to assure maximum possible accuracy. 

I demand immediate written confirmation that : My mailed dispute is being processed and a full reinvestigation is underway. 

All disputed names and other identifiers are being permanently deleted. 

Failure to comply will be reported to the CFPB and other regulatory authorities and may subject TransUnion to civil liability under FCRA 616 and 617. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
Sunrise XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, NY XXXX Re : Account Number XXXX Amount : {$2400.00} To Whom It XXXX Concern : I am writing to formally dispute the validity of the above-referenced debt that Sunrise Credit Services has reported to Experian and possibly other credit bureaus.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request full validation of this debt.

Please provide the following documentation : 1. The full name and address of the original creditor.

2. A detailed itemized statement showing how the amount of {$2400.00} was calculated, including principal, interest, fees, and other charges. 
XXXX. Proof of your legal authority to collect this debt, such as a copy of the purchase agreement or assignment of the debt. 
XXXX. A copy of any signed contract or agreement showing that I am legally responsible for this debt. 

Until proper documentation is provided, you must cease all collection activity, including reporting this debt to any credit reporting agencies. 

According to my XXXX  credit report as of XX/XX/year>, the following inaccurate information is being reported : Creditor Name : Sunrise Credit Services Date Opened : XX/XX/year> Balance : {$2400.00} Status : Collection account, past due as of XX/XX/year> If you can not validate this debt, you are required by federal law to immediately delete this account from my credit report. 

Please respond within 30 days of receiving this letter. Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Tennessee Attorney Generals Office, and other applicable regulatory agencies for violations of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX & XXXX BANK XXXX Late Dates Reported XXXX XX/XX/year> These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA XXXX, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA XXXX ( a ) ( XXXX ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believe is inaccurate. Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SinglePoint GI
State: MD

Complaint narrative:
I sent you guys a debt validation and cease and desist order via mail and fax. YOU NEVER RESPONDED. I have never done any business with XXXX XXXX or its partner companies. This is a result of identity theft, and it NEEDS to be removed. See my attached letter and provide ALL of the items on my 9-item list, EVERY SINGLE ITEM, or remove it from my credit report, stop contacting me, and cease collections on the debt. You guys are also harassing me, calling me several times a day after I told you to STOP calling me. Just for that, I have grounds to sue you. I keep records of my call logs. I have won every lawsuit against other collection agencies I've sued. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a survivor of XXXX XXXXXXXX and XXXX XXXX. The XXXX Bank overdraft account was incurred during a period of coercive control by my abuser while I was fleeing with my children. I submitted certified documentation to XXXX on XX/XX/year>, including multiple restraining orders and police reports, requesting removal of the tradeline as coerced debt. 

XXXX acknowledged receipt but offered only a pay-for-delete settlement of {$1100.00}. My only income is XXXX XXXX XXXX ( XXXX ) of $ XXXX for my XXXX son. XXXX is federally protected income, and I can not afford this payment. Conditioning relief for a documented victim of XXXX XXXXXXXX and XXXX XXXX on money I do not have is unfair and abusive, and it re-victimizes me. 

I request that the CFPB and XXXX require XXXX to delete or suppress this tradeline from my credit reports and ChexSystems without payment, in recognition that it is coerced debt resulting directly from abuse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
I am writing regarding an account that has been improperly sent to collections with CCS Commercial. The details are as follows : Account Number : XXXX ( CCS FILE # XXXX ) Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Commercial Date Sent to Collections : XX/XX/XXXX This matter requires immediate attention. This account should have been paid in full and therefore should not have been placed with a collection agency. I never received any validation of debt from CCS Commercial, despite my request. Instead, they are now threatening to damage my credit report over an account I had no knowledge of and for which I was never provided proper documentation.

I am formally disputing this debt. Per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), this account should not b
e reported to any credit bureau without proper validation. Since CCS Commercial has refused to provide me with validation, I demand that this account be fully investigated, corrected, and removed from collections immediately. 

I expect someone from XXXX XXXX XXXX corporate to contact me directly to resolve this matter. This situation is unacceptable and must be addressed without delay. 

My Information : Name : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX Phone : XXXX Please confirm receipt of this email and advise me on the next steps being taken to correct this issue. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : XXXX  - 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 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  INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 

A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation. 
Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information. 

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within XXXX business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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 sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : XXXX  - 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 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  INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 

A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation. 
Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information. 

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within XXXX business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 
This is a formal complaint against AMEX a AMEX to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. AMEX XXXX XXXX XXXX XXXX XXXX & AMEX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation