vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: GA

Complaint narrative:
Equifax Data Breach..

Experian & Equifax are being sued by CFPB for not properly investigating. In accordance with the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), the company DID NOT REPLY WITH the method of verification used to determine the accuracy of the disputed item as requested. The name, address, and contact information of the entity that provided the information they used to verify the account. A description of the procedures used to verify the accuracy and completeness of the disputed account. All documentation they have on file retrieved during their investigation. Who did they interview regarding the aforementioned account? Signed Contract with my original signature? Additionally, I must note that the creditor ( Upgrade ), & ALL 3 bureaus failed to investigate the dispute by the consumer as required under FCRA 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. 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. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance. Should you fail to provide the requested information, correct the violation, or remove the account, I am prepared to take further action to protect my rights under the FCRA. Please DELETE from my credit report for not being INACCURATE, not XXXX  %. Upgrade company HAS NOT produced any documentation or proof of the alleged debt. Please delete from my credit A copy of the original purchase agreement and original contract with my signature I am also notifying the IRS of this cancellation of alleged debt on my credit report which is showing a {$0.00} balance and closed, but without a 1099c form. VIOLATION!!! XXXX XXXX Account XXXX : XXXX Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: MD

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 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UPGRADE, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX {$180.00} Declined XX/XX/XXXX XXXX XXXX {$60.00} Declined XX/XX/XXXX XXXX XXXX {$860.00} Declined XX/XX/XXXXXXXX XXXX XXXX {$20.00} Declined XX/XX/XXXX XXXX XXXX XXXXXXXX {$380.00} Declined XX/XX/XXXXXXXX XXXX XXXX {$19.00} Declined XX/XX/XXXX XXXX XXXX & XXXX {$74.00} Declined XX/XX/XXXXXXXX XXXX XXXX  XXXX {$24.00} Declined XX/XX/XXXX XXXX XXXXXXXX {$33.00} Declined XX/XX/XXXXXXXX XXXX XXXX XXXX {$12.00} Declined some additional charges were also disputed that had been done separately by an operator at Upgrade when I XXXX called because I had noticed the fraud charges. 

I was hospitalized for XXXX XXXX on XX/XX/XXXX and remained in the hospital for a week. Once I was XXXX I was on home infusions with antibiotics through an IV for XXXX weeks and could not walk due to the XXXX surgeries I had in the ER. I logged into the desktop page for Upgrade to check charges ( as I was doing for all of my accounts with other companies as well ) and that is when I noticed a batch of fraud charges. When I looked back at my email I noticed that a new card had been shipped and activated which I did not authorize. Someone ordered a card and stole the card from the mailbox. Once they activated the card on XX/XX/XXXX is when they began charging the card without my authorization. I locked the card when I spoke to the Upgrade agent and had them send a new card to prevent any further charges. I do not know how the charges align to my usual spending patterns when I had used it less than XXXX times in all of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: CarMax, Inc.
State: WA

Complaint narrative:
I bought a XXXX XXXX XXXX in XX/XX/XXXX, for XXXX. Carmax auto finance allowed me to rollover XXXX in negative equity from my previous car, a XXXX XXXX atlas, with no money down for the XXXX. My interest rate is XXXX percent and now my financial status has changed and I can not get rid of this car because it is only worth XXXX. It is in perfect condition but I still owe XXXX on the loan. XXXX under water on a car I cant afford to pay for because my wife got hurt at work and cant work or get unemployment, thats a different story for another day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The card was a result of identity theft and all the creditors agreed to remove this except XXXX and its XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>, I filed a dispute for an unauthorized charge of {$120.00} on my Chime account. Chime provided me with a temporary credit while investigating the dispute. However, on XX/XX/year>, at XXXX XXXX, Chime reversed the temporary credit and took the {$120.00} back from my account. I did not authorize this charge, and at the time of the transaction, my Chime debit card was locked, preventing me from making any purchases. I contacted Chime to dispute the charge and requested clarification on how this transaction went through while my card was locked, but I have not received a satisfactory response. I am seeking a refund for this unauthorized charge and a clear explanation from Chime on how the transaction was processed despite my card being locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX for Unlawful Withholding of {$10000.00} Since XXXX Dear CFPB, I am filing a formal complaint against XXXX XXXX XXXX for unlawfully withholding {$10000.00} from my account since XXXX without justification, transparency, or resolution. Despite repeated attempts to resolve this directly with XXXX, through calls, emails, and their customer service chat, the company has failed to release my funds or provide a valid explanation for the four-year delay. 

Facts : XXXX. Account Closure & Frozen Funds : On XXXX, XX/XX/XXXX, XXXX abruptly permanently limited my account and froze my balance of {$10000.00}, citing a " review. '' XXXX. Excessive Delay : PayPals stated policy limits hold to XXXX  days ( per their User Agreement ), yet XXXX years later, my funds still remain inaccessible. 

XXXX. No Communication : Customer service agents repeatedly claim the case is " under review '' but refuse to provide updates, escalation paths, or documentation. 

XXXX. Verified Identity : I have submitted all requested documentation, attached ID proof, provided SSN through mail and chats with XXXXaypal representatives, but received no acknowledgment.

Violations & Harm : - Breach of Contract : PayPals indefinite hold violates its own policies ( Section XXXX : XXXX limit for disputes ). 
- Regulation E ( EFTA ) : Under federal law, PayPal must provide written notice and a timely investigation for account restrictions. 
- Unfair Practice : Withholding funds without cause or timeline constitutes " bad faith '' under consumer protection laws. 

Attempts to Resolve : - XXXX : Multiple calls/emails yielded no resolution. 
- XX/XX/XXXX : PayPals latest response : I AM SORRY BUT THERE IS NO FURTHER INFORMATION OR DETAIL I CAN PROVIDE ABOUT WHY THE ACCOUNT IS LIMITED. '' I urge the CFPB to kindly investigate PayPals pattern of withholding consumer funds unlawfully. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: MA

Complaint narrative:
YOUR COMPLAINT Last week, I received XXXX cards from Chime- XXXX credit and XXXX debit, which I did not request. I did not activate either of these cards. On XX/XX/year> I called the XXXX and questioned them about why I received these cards that I did not request. After several minutes, they told me that someone had opened an account with them, in my name. They said there was not activity on the cards as yet. They informed me I would need to go to my local Police Dept to file a report and I would need to send them a copy of either the police report or an FTC report. I did go to my local PD and filed a report. They instructed me to go on line to the FTC to file an Identity Theft Report, which I did on XX/XX/year>. Chime sent me an email with a " generated secure link '', where I attached a copy of my FTC report. I then asked them to contact me when they received this. I did not hear from them for several days, and I called them again. They made me go through the whole process again and told me that they did not receive the FTC. I told them the date I sent it as well as the FTC report number. I requested they close the account. They repeatedly told me that they could not close the account until I sent them the FTC report. I again, told them that I had followed their instructions completely, and they should have my FTC report. The customer service representative would not assist me any further. I informed them that I would be reporting Chime for fraudulent actions. I do not trust them. They were not concerned with my identity theft regarding their Company credit/debit cards. The account is still open ( as far as I know ), and they have failed to assist me twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: CA

Complaint narrative:
Cash App declined my {$20.00} transaction to a known merchant ( U XXXX XXXX XXXX ), XX/XX/year>, even after I verified the activity was legitimate and authorized. I contacted support and repeatedly requested a review, escalation, or written policy explaining the reason for the block. They refused to provide any documentation, explanation, or supervisor contact. I'm requesting transparency and a review of this decision, as it limits my access to funds without due explanation or appeal. 

Company name : Block, Inc. ( Cash App ) Website : XXXX XXXX XXXXcash.app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
There are inquiries on my credit report from XXXX and XXXX of XXXX  on all XXXX bureaus that I don't recognize and didn't give consent to.

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 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
Under 15 U.S.C. 1692g ( b ), I formally request validation of the alleged debt. You must provide the following documents within 30 days : XXXX. Proof of the Original Debt A full accounting of the alleged debt, including the original creditors name, the amount owed, and an itemized breakdown of all charges, interest, and fees. 
XXXX. Proof of Assignment A legal contract of assignment demonstrating that you have the legal right to collect this debt. If you are not the original creditor, provide a chain of title showing how the debt was transferred. 

XXXX. Executed Agreement A copy of the original signed contract where I agreed to this debt, proving my legal obligation to pay. 
XXXX. Your Debt Collection License Proof that you are legally authorized to collect debts in my state, including a copy of your business license and any relevant bonding requirements. 

Until you provide the requested validation, you must cease all collection activities under federal law. If you continue to report this alleged debt to credit bureaus or attempt further collection efforts This letter serves as a formal Cease and Desist demand pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and a Debt Validation Request under 15 U.S.C. 1692g ( b ). 

Cease and Desist Effective immediately, you are to cease and desist all forms of communication with me regarding the alleged debt associated with Account XXXX XXXX This includes, but is not limited to, phone calls, letters, emails, or any third-party contact. Failure to comply will be considered a violation of my rights under the FDCPA and may result in legal action against you. 

Debt Validation Request without proper validation, I will pursue legal remedies, including complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states XXXX XXXX XXXX. 

This demand is non-negotiable. I am sending this letter via certified mail with return receipt to document your compliance. Failure to adhere to federal law will result in legal consequences. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT THROUGH EQUIFAX DATA BREACH. ATTACHED IS A COPY OF MY IDENTY THEFT REPORT WITH ALL LISTED FRAUDULENT ACCOUNTS. BELOW ARE ALL THE FRAUDULENT ACCOUNTS ON MY EQUIFAX CREDIT REPORT. 

FRAUDULENT EQUIFAX ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX {$1300.00} ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am formally appealing the resolution of my dispute regarding the {$1800.00} charge for a XXXX XXXX purchased through XXXX using Affirm financing on XX/XX/XXXX. I initially filed a dispute via XXXX website on XX/XX/XXXX, and received an email stating that the dispute was resolved against me, holding me liable for the payments due to a supposed lack of evidence. 

However, I did provide substantial evidence, including : My purchase receipt from XXXX. 
Screenshots of my conversation with XXXX customer support, in which they confirmed that XXXX products are non-returnable and refused to assist me. 
Screenshots of multiple appointments made with the XXXX XXXX for support within the short time Ive had the laptop, further proving the device is defective and that I attempted to resolve the issue through the manufacturer. 

Despite my efforts to seek a resolution through both XXXX and XXXX, I have been denied assistance. I should not be held responsible for making payments on a defective product that the seller refuses to support. 

I am requesting that Affirm reopen this dispute, reconsider the evidence provided, and reverse the charge for the defective laptop. If any further information is needed, please let me know. I appreciate your prompt attention to this matter and look forward to a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
Formal Complaint Against LVNV Funding LLC Violation of FDCPA & FCRA Consumer Rights Dear Consumer Financial Protection Bureau, I am submitting this complaint against LVNV Funding LLC, serviced through Resurgent Capital Services, for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

LVNV Funding LLC has reported a debt to the credit bureaus under the following :
Creditor Name : LVNV Funding LLC Servicer : Resurgent Capital Services Account Number : XXXX This account was added to my credit report without proper validation of the debt, violating the following regulations : 12 CFR 1006.34 ( b ) ( 5 ) Failure to provide validation before reporting 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Failure to provide the opportunity to dispute the debt 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Furnishing of unverified and potentially inaccurate information to credit reporting agencies This conduct is deceptive, harmful, and unlawful. Reporting unverifiable debt damages my creditworthiness and causes emotional distress. I believe this account is being reported in error and in direct violation of my rights as a consumer. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that this unvalidated and potentially inaccurate account is removed from my credit report. I further request that appropriate compliance action is taken against the entity for failure to meet the legal obligations under federal law. 

Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: CT

Complaint narrative:
Under the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX XXXXXXXX, Has Violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has Violated my rights. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has Violated my rights. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has Violated my rights. XXXX XXXX XXXX XXXXXXXX, Has Violated my rights. XXXXXXXX XXXX XXXX XXXXXXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. Equifax has inaccurate data with addresses that I am not associated with, Has Violated my rights. 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 an account without my written instructions 15 U.S. C 168Tc. ( 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 seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: CT

Complaint narrative:
Under the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX XXXXXXXX, Has Violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has Violated my rights. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has Violated my rights. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has Violated my rights. XXXX XXXX XXXX XXXXXXXX, Has Violated my rights. XXXXXXXX XXXX XXXX XXXXXXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. Equifax has inaccurate data with addresses that I am not associated with, Has Violated my rights. 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 an account without my written instructions 15 U.S. C 168Tc. ( 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 seven 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 non-monetary relief