vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: NJ

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, XXXX, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$22000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$9200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-06-19 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been compromised in a data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress which has negatively affected my financial stability and mental well-being, as these negative items are damaging my credit and financial standing. Specifically, Ive faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being.UNAUTHORIZED ACCOUNTS LISTED BELOW : 1 ) XXXX XXXX Amount- XXXX - Date:XXXX  2 ) XXXX XXXX Amount : XXXX XXXX Date:04-25-22 3 ) XXXX XXXX Amount : XXXX - XXXX 4 ) XXXX XXXX XXXX Amount : XXXX - XXXX XXXX ) XXXX Amount : {$360.00} - Date:XXXX 6 ) XXXXXXXX XXXX XXXXXXXX Amount : XXXX - Date:XXXX 7 ) XXXXXXXX XXXX XXXX XXXX  Amount {$670.00} - Date:XXXX 8 ) XXXX XXXX XXXX Amount : {$510.00} - Date:XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : XXXX - Date:XXXX XXXX ) XXXX XXXX XXXX XXXX Amount : XXXX - XXXX 11 ) XXXX XXXX Amount : XXXX - XXXX 12 ) XXXX XXXX XXXX Amount : XXXX - XXXX 13 ) XXXX XXXX XXXX Amount : XXXX - XXXX 14 ) XXXX XXXX XXXX Amount : XXXX - XXXX 15 ) XXXX XXXX XXXX XXXX Amount : XXXX - XXXX INCORRECT NAMES LISTED XXXX 1 ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX INCORRECT ADDRESSES LISTED : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2 ) XXXX XXXX XXXX XXXX XXXX, CA XXXX 3 ) XXXX XXXX XXXX, CA XXXX 4 ) XXXX XXXX XXXX XXXX, CA XXXX 5 ) XXXX XXXX XXXX XXXX XXXX, CA XXXX 6 ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 8 ) XXXX XXXX XXXX XXXX XXXX, CA XXXX 9 ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 10 ) XXXX XXXX XXXX XXXX, CA XXXX 11 ) XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX 12 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 13 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 14 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX UNAUTHORIZED INQUIRIES LISTED : 1 ) XXXXXXXX XXXX XXXX 2 ) XXXX  3 ) XXXX XXXX 4 XXXX XXXX XXXX  XXXX 5 ) XXXX 6 ) XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
I submitted a request for Experian on XXXX XXXX XXXX to Investigate the following Inquiries that show in my credit report the following dates and names of companies 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

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 2025-06-19 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I submitted a request for XXXX on XXXX XXXX XXXX to Investigate the following Inquiries that show in my credit report the following dates and names of companies 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Dispute of Inaccurate Credit Report Information ( FCRA Section 611 ) Pursuant to the Fair Credit Reporting Act, 15U.S.C.1681i, I am writing to dispute the following inaccurate information in my credit file : Item Description XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date accounts were opened, the credit limit, payment history last date Reported is inaccurate.

I enclose copies of supporting documents ( e.g., statements, receipts ). Please conduct a reasonable reinvestigation and delete or correct the inaccurate items, as required under FCRA 611 ( a ) ( 12 ).

If XXXX XXXX and XXXX  fails to properly investigate, I will file a complaint with the Consumer Financial Protection Bureau and consider legal action to enforce my rights.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Dispute of Inaccurate Credit Report Information ( FCRA Section 611 ) Pursuant to the Fair Credit Reporting Act, 15U.S.C.1681i, I am writing to dispute the following inaccurate information in my credit file : Item Description XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date accounts were opened, the credit limit, payment history last date Reported is inaccurate.

I enclose copies of supporting documents ( e.g., statements, receipts ). Please conduct a reasonable reinvestigation and delete or correct the inaccurate items, as required under FCRA 611 ( a ) ( 12 ).

If XXXX, XXXX  and XXXX  fails to properly investigate, I will file a complaint with the Consumer Financial Protection Bureau and consider legal action to enforce my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX  cashapp frozen my account I really need my money back {$390.00} my mother passed away XX/XX/25 I was just selling her stuff I guess they thought I have my own business I was just selling my mother stuff too pay bills I am not doing anything illegal please help me get my {$390.00} back I am on XXXX I really need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
FORMAL DISPUTE OF UNVERIFIED COLLECTION ACCOUNT Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$730.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Payment summary 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  To Whom It May Concern, I am writing to formally dispute the accuracy, validity, and legal reporting of the collection account referenced above, which appears on my credit report as a debt buyer collection account with a balance of {$730.00}, allegedly opened on XX/XX/XXXX, and reported by LVNV Funding LLC. 

NOTICE OF VIOLATION Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), this account is being reported and collected in violation of federal law : 1. No Notice of Debt Within 5 Days ( 15 U.S.C. 1692g ( a ) ) You failed to provide the required written notice within 5 days of your initial communication with me, as mandated by 15 U.S.C. 1692g ( a ). I never received : The amount of the debt, The name of the original creditor, My right to dispute the debt within 30 days. This is a direct violation of federal law, and this debt is therefore uncollectible unless and until proper validation is provided. 2. No Full Validation of Debt ( 15 U.S.C. 1692g ( b ) ) I now formally dispute the validity of this debt and demand full validation as defined by federal law : Original creditors name and contact information, Original signed contract or agreement bearing my signature, Full account history, including breakdown of charges and payments, Chain of assignment from original creditor to LVNV Funding. Until you provide this, you must cease collection activity and reporting. 3. Inaccurate Credit Reporting ( 15 U.S.C. 1681e ( b ), 1681s-2 ( b ) ) Reporting this account to any credit bureau without verified and complete documentation violates FCRA rules requiring only accurate and verifiable information be reported. If you can not prove this account with proper documentation, it must be immediately deleted from all credit bureaus. 4. Cease and Desist A
ll Communication ( 15 U.S.C. 1692c ( c ) ) You are hereby notified to cease all communication with me, except to provide the legally required documentation or to inform me that no further action will be taken. Any further contact will be considered harassment and documented for legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
Under the Fair Credit Reporting Act 15 U.S.C 1681i and 1681s-2, I have the right to dispute any inaccurate or unverifiable information that's on my credit report. I have made proper requests for investigation and validation, but the credit bureaus have failed to meet their legal obligations. The company failed to send me any of the information I requested, even with my other complaint they never sent verification of debt, the original contract bearing my signature and explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CT

Complaint narrative:
On or around XX/XX/XXXX, a credit card account was fraudulently opened in my name by XXXX XXXX XXXX XXXX ( XXXX XXXX ) without my authorization or consent. I never applied for this account, received no services or funds, and never resided at the address associated with it. The account was charged off in XX/XX/XXXX for {$5500.00} and continues to be reported inaccurately. 

I submitted a valid FTC Identity Theft Report, IC3 Report, government-issued ID, and proof of address. XXXX XXXX has failed to cease furnishing data in violation of 15 U.S.C. 1681s-2 ( b ) and failed to block information under 1681c-2 ( a ).

Equifax initially removed the fraudulent tradeline, but reinserted it without notifying me in writing within 5 business days, violating 1681i ( a ) ( 5 ) ( B ). Their actions constitute willful noncompliance under 1681n, for which I reserve the right to pursue statutory damages.

Both entities have relied solely on unverifiable digital consent records without producing legal proof of authentication ( such as IP logs or biometric evidence ). Their continued reporting of this fraudulent account is causing measurable and ongoing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Collection Systems, Inc.
State: IL

Complaint narrative:
I opened a complaint and this is the repsonse i recieved from National Credit Managment " Information mailed to consumer. Attempts to reach consumer were unsuccessful. Upon registration consumer agreed to the University 's Student Consent and Obligation Statement. Consumer 's account went delinquent and was assigned to NCM for collections. Consumer is responsible for financial obligations. Consumer can contact the XXXX XXXX XXXX. '' I went directly to the XXXX XXXX XXXX XXXX and obtianed the formal account services statement dated XX/XX/year>, which shows a balance of XXXX, XXXX. National Credit managment reporte XXXX just one month later in XX/XX/year>, which is materially false and inflated amount reported late since XX/XX/year>, Reporting as a missed monthly payment. This is a violation of the FRCA and FDCPA. I request immediate investigation, and removal if not amount reported by the debt collection agency XXXX is not verified in 15 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Subject : Complaint Regarding Sudden Account Closures by American Express Dear CFPB, I am submitting this complaint regarding American Express, with whom I have been a loyal customer for over 19 years. 

On XX/XX/year>, American Express abruptly closed all of my credit card accounts without any advance notice or clear explanation. This included cards that I had responsibly maintained for nearly XXXX decades. 

I have always used my Amex cards properly, made on-time payments, and kept my accounts in good standing. I have never been informed of any violations or unusual activity. This sudden and unexplained action has caused significant disruption to my financial life, including harm to my credit score and long-term financial planning. 

I contacted American Express to ask for clarification, but their response was vague and unsatisfactory. Given my long-standing history as a loyal and responsible customer, I feel this treatment is both unfair and lacking in transparency. 

I respectfully request that the CFPB investigate this matter and help me seek a fair resolution. Specifically, I am asking American Express to reinstate my accounts Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
My savings had {$3000.00}. I closed my account and for over XXXX months I have been trying to get them to. Mailed m my money. They will not and says it's fraud. The bank statement says it wasn't. But they will not maile. A. Check for. My money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: I.C. System, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I'm writing to formally request your assistance regarding an inaccurate collection account being reported by IC System on my credit reports. The account is listed for {$390.00} and references " XXXXXXXX XXXX  '' as the original creditor - a company I have no knowledge of and have never had an account with. My cable service was with XXXX, and I paid XXXX with XXXX balance now directly to resolve the account. 

Despite this, IC System is reporting a collection for {$390.00} to XXXX and XXXX, which is inaccurate and misleading. This entry misrepresents the true source of the account and the nature of the payment, creating an unfair and harmful impact on my credit file. 

Please have this removed from my credit reports with all major credit bureaus - including XXXX and XXXX  - as well as from any secondary credit agencies such as XXXX and XXXX, if applicable. 

Thank you for your time and attention to this matter. I appreciate your help in ensuring the accuracy of consumer credit reporting.

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 2025-06-19 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal.

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 2025-06-19 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00}

Company response to consumer: Closed with non-monetary relief