vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
The companies involved were XXXX and Zelle. XX/XX/XXXX around XXXX I received a phone call that came up as XXXX bank when I picked up the phone call they had told me my number was duplicated and the person who duplicated the number was trying to send themselves money from my account. They then transferred to another line claiming to be XXXX support and told me to go into Zelle and send activation codes to a certain number to cancel the payments I didnt realize that I had sent money to them and they later stole my money. I filed claims with both XXXX  and Zelle I gave them the two numbers who scammed me, I also provided the names and everything and they denied both claims I made. It was clearly fraud and scam and also identity theft as they made their call come up as XXXX bank. They stole XXXX cents from and XXXX and Zelle have been no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: OH

Complaint narrative:
THIS ACCOUNT DOES NOT BELONG TO ME. I HAVE DISPUTED THIS XXXX FUNDING TRADELINE MULTIPLE TIMESWITH ALL THREE CREDIT BUREAUS ( EXPREIAN, TRANSUNION, AND EXQUIFAX ), AND IT KEEPS COMING BACK AS VERIFIED DESPITE CLEAR AND MULTIPLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ). 
I AM NOT REQUESTING VERIFICATION ; I AM DEMANDING DELETION!! 
I HAVE INCLUDED ATTACHHMENTS IN MY EVIDENCE CITEING EACH AND EVERY CODE AND VIOLATION. 
THE ( CFPB ) MUST DEMAND THIS TRADELINE REMOVED IMMEDIATELY FROM EACH REPORTING BUREAU

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 2025-08-03 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: OH

Complaint narrative:
THIS ACCOUNT DOES NOT BELONG TO ME. I HAVE DISPUTED THIS XXXX FUNDING TRADELINE MULTIPLE TIMESWITH ALL THREE CREDIT BUREAUS ( EXPREIAN, TRANSUNION, AND EXQUIFAX ), AND IT KEEPS COMING BACK AS VERIFIED DESPITE CLEAR AND MULTIPLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ). 
I AM NOT REQUESTING VERIFICATION ; I AM DEMANDING DELETION!! 
I HAVE INCLUDED ATTACHHMENTS IN MY EVIDENCE CITEING EACH AND EVERY CODE AND VIOLATION. 
THE ( CFPB ) MUST DEMAND THIS TRADELINE REMOVED IMMEDIATELY FROM EACH REPORTING BUREAU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: T.S. Holdings
State: TX

Complaint narrative:
The debt collector is not original collector and the amount of debt is inaccurate and im unsure of the breakdown of why the debt is the amount that is on report. I dont owe XXXX dollars in debt to any rental company not sure why this is on report as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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:
This is identity theft someone stole my identity. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: NC

Complaint narrative:
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
* * Subject : * * * Formal Dispute Fraudulent Charges on Bank XXXX XXXX Account ( * * * * XXXX ) & Equifaxs FCRA Violations * * * Description : * * I am a * * victim of identity theft * *, and my XXXX  XXXX XXXX XXXX credit card was * * stolen and used without my authorization * *, resulting in * * fraudulent charges of {$460.00} * *. 

# # # * * Key Facts : * * * * XXXX  XXXX XXXX Account # * * : [ Ending in XXXX ] * * Fraudulent Amount * * : {$460.00} * * Police Report Filed * * : XXXX XXXX Police Department ( XX/XX/year> ) * * Attached * * * * FTC Identity Theft Report Filed * * * * Attached * * * * Additional Proof * * : My drivers license, Social Security card, attached # # # * * Equifaxs Illegal Refusal to Comply with Federal Law * * Despite providing * * all required legal documents * *, Equifax has : * * Refused to accept the police report and FTC report * * as valid proof. 
* * Failed to remove fraudulent account entries * *, violating the * * Fair Credit Reporting Act ( FCRA XXXX ) * *. 
* * Continued reporting false information * *, damaging my credit. 

# # # * * Demands : * * XXXX. * * XXXX XXXX XXXX * * must : - * * Permanently remove the {$460.00} fraudulent charge * * from my account. 
- * * Correct all credit reporting errors * * related to this fraud. 

XXXX. * * Equifax must * * : - * * Immediately block/delete this fraudulent account * * from my credit report. 
- * * Comply with FCRA 605B * * by accepting the police report & FTC affidavit. 
- * * XXXX CFPB penalties * * for willful non-compliance. 

XXXX. * * CFPB must investigate * * and * * hold Equifax accountable * * for violating : - * * FCRA ( Fair Credit Reporting Act ) * * - * * FTCs Identity Theft Rules * * - * * Consumer Financial Protection Laws * * * * Attached Documents ( Upload to CFPB XXXX ) : * * - [ ] * * XXXX XXXX Police Report * * ( XX/XX/year> ) - [ ] * * FTC Identity Theft Report * * - [ ] * * Bank Statements * * ( showing {$460.00} fraud ) - [ ] * * Government ID ( Drivers License & SSN Card ) * * * ( redact sensitive info ) * * * XXXX. Desired Resolution : * * - * * Delete fraudulent account from Equifax immediately. * * - * * XXXX XXXX XXXXXXXX must close dispute & correct records. * * - * * CFPB must sanction Equifax for breaking federal law. * * * * XXXX. Final Warning : * * If this is not resolved within * * 15 days * *, I will : - Escalate to the * * FTC * *, * * OCC ( Office of the Comptroller ) * *, and * * California Attorney General * *. 
- Pursue * * legal action against Equifax under FCRA 616 * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: RI

Complaint narrative:
I have obtained copies of my consumer credit reports and I have noticed that you are furnishing transaction information that is excluded by law under FCRA 15 U.S. CXXXXe XXXX ( XXXX ) ( A ) ( i ). 
There are late payments on this account that have already exceeded the XXXXyear reporting limit, and they must be immediately deleted in accordance with 15 U.S. CXXXXe XXXX ( a ) ( XXXX ), which clearly states :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
I am writing to formally dispute and demand the deletion of the collection account associated with XXXX Credit Card, reported by XXXX XXXX XXXX under account number XXXX. The original account was allegedly opened on XX/XX/XXXX, and reported as a collection as of XX/XX/XXXX, with a balance of {$1200.00}. 

At the time this credit account was opened and reported, I was under an active XXXX XXXX XXXX filed. Therefore, the reporting and collection activity that followed took place during my bankruptcy protection period and without approval from the bankruptcy court. 

Legal Issues : I never had a contract or agreement with XXXX XXXX XXXX. They failed to produce a signed agreement or debt validation documentation when I disputed the account. 

XXXX and XXXX XXXX should have been aware through the PACER system that I was actively in bankruptcy at the time this debt was sold or transferred. 

TransUnion and Equifax were notified through dispute processes but have continued to report this collection despite clear legal and procedural violations.

Violated Statutes : 11 U.S.C. 362 ( a ) Bankruptcy Automatic Stay ( blocks collection or reporting without court approval ) 11 U.S.C. 524 ( a ) ( 2 ) Discharge Injunction 15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate or unverifiable information 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) Duty to ensure maximum possible accuracy 15 U.S.C. 1692g FDCPA validation of debts upon request

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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:
These are not my accounts. Remove immediately. I did not open these accounts. This is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$3800.00} XXXX  # XXXX XX/XX/XXXX -- {$730.00} XXXX CARD # XXXX XX/XX/XXXX -- {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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 filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Around XX/XX/year>, the video game platforms XXXX XXXX XXXX were forced to delist numerous games due to pressure from their payment processors ( notably XXXX, XXXX, XXXX  and PayPal ). I believe that as payment processors, they should have no right to force companies to drop parts of their service ( which are legal and not criminal ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: IA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXXday timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I never signed up for a gym membership. This debt is not mine or accurate. Please remove from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: IN

Complaint narrative:
I haven't been able to access my account to move funds from my saving to the checking account to put had in my car to get to work! I've missed a few days now I'm on a final warning

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 2025-08-03 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: GA

Complaint narrative:
Experian has false information on my account 's balances and reporting dates. I have requested updates of my personal information and account information serval times. Please review my supporting documents for further review.

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 2025-08-03 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: IA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXXday timeframe required by law. This lack of response is a clear violation of 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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-03 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: FL

Complaint narrative:
Please be advised that I am aware that you assumed a vital role to assemble and evaluate consumer credit and other information on me as the consumer. The fair credit reporting act was intended to ensure that you exercise your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy! Congress requires you to adopt reasonable procedures for meeting the needs of commerce in a manner which is fair and equitable to me with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. Congress makes it clear that I have a right to PRIVACY as a federally protected consumer! You continue to violate and disrespect my right to privacy which is a direct violation of the FCRA and the gramm leach Bliley act! I did not consent or authorize for you, or the people mentioned below to use or share my nonpublic personal information. Please be clear that no consent or authorization id IDENTITY THEFT! Your willful noncompliance has resulted in identity theft which I demand to Cease and desist! Pursuant to XXXX XXXX XXXX  ( XXXX ) congress makes it clear that a consumer report does not contain any transactions or experiences. As a result, I am demanding for the following transactions and or experiences to be updated in accordance with my written instructions List demands Pursuant to 15 USC XXXX ( a ) you have XXXX days from the date of this notice to comply with my demands as set forth in the context above. This will be my first and final attempt to resolve this as I am prepared to litigate

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: NH

Complaint narrative:
I am disputing a tradeline reported by XXXX XXXX XXXX. This account was marketed as a credit builder product, meaning no money was ever disbursed to meyet the credit bureaus are reporting a {$2500.00} original balance and a {$240.00} charge-off as if it were a real line of credit. This is misleading and damaging to my credit profile. 

I was never extended credit or received funds from Kikoff. I paid small amounts monthly as part of their program until I stopped, at which point they began reporting the entire balance as past due and then charged off.

This account inaccurately reports : A fictitious original balance of {$2500.00} A charge-off for {$240.00} despite no loan or line of credit being issued I have requested verification and a breakdown from Kikoff but received no satisfactory resolution.

This tradeline is misleading, unverifiable, and should be removed under the Fair Credit Reporting Act.

-- -

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX, I discovered numerous unauthorized transactions on my Cashapp. My XXXX  had been changed. My profile photo. And my phone number was changed to a number out of my state. I was sick when I saw a withdrawal for XXXX and another for XXXX from my cashapp account ( Visa card ) to an external bank account using a Visa card which was not mine. The credentials could NOT have matched mine because it was not mine. Someone transferred a total of XXXX to themselves from my account. I did not receive notice of these transactions though my notifications were turned on. I did not receive notice of account changes either. On XX/XX/XXXX, upon discovering the financial loss due to unauthorized transactions, I tried to file a dispute but there was no option to do so on those transactions. So I contacted cashapp via chat support. I did this rather than call so that there would be a XXXX XXXX. I listed each transaction manually, the dates, amounts, etc etc & also sent screenshots. The following days leading up to today ( XX/XX/XXXX ) I reached out to cashapp numerous times to get an update on my case. I also wanted to be sure a formal dispute was ongoing. I wanted to send documentation. I kept being told a specialized team was investigating & they'd be in touch by email & then I could submit documentation as evidence. On XX/XX/XXXX, an email came telling me that they AGREED THAT THE ACTIVITY WAS UNAUTHORIZED. That because of it, they issued a {$100.00} refund to my account. They then noted that the refund was " a courtesy '' & that my case was now closed. So, their investigation lead them to the decision that yes, the activity was unauthorized. Then closed the case. & sent me XXXX dollars as a courtesy. Which means they agree the activity was fraudulent, but they decided not to refund me my money which is protected under Regulation E & VISA, & instead sent me XXXX in hush money. I've never felt so sick.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: NY

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation