vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXX XXXX XXXX 
The debt must be legally collectible within the states jurisdiction where the creditor resides. 
Creditors must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXX XXXX 
Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
This company has posted one or more outdated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the NMLS, and in most cases can not be valued as true ownership under XXXX. 
Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports, XXXX. XXXX XXXX XXXX XXXX XXXXXXXX respectively. 
DELETE THIS ILLEGAL COLLECTION IMMEDIATELY AND PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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:
I am filing a complaint against Equifax due to their failure to properly investigate my dispute regarding inaccurate and unvalidated debt reporting by XXXX XXXX XXXX. 

On XXXX XXXX, I formally disputed a debt account ( account number ending in XXXX ) with Equifax . This account was placed by XXXX XXXX XXXX but contains inaccurate information, including a mismatched address not tied to any lease Ive ever signed. 

As part of my dispute, I provided documentation including : A copy of my actual lease agreement My government-issued ID A copy of the debt validation provided by National Credit Systems , which shows incorrect and inconsistent address information, failing to meet proper debt validation standards under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA. 

Despite this, Equifax ignored my primary concern. Their response merely stated that my identity was verified, which was not the purpose of my dispute. 

They did not address the inaccuracies in the debt reporting, nor did they verify whether XXXX XXXX XXXX provided legally sufficient debt validation, which is a clear violation of their duty to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
I am having an issue with 4 companies XXXX, XXXX, TrasUnion, and XXXX. All four companies have been giving me the runaround since XXXX of this year. EVERY SINGLE MONTH my payment is ON TIME AND DEFINITELY COMES OUT OF MY BANK ACCOUNT. XXXX is reporting I have a balance of {$140.00} to credit bureaus ... which I find hilarious since I pay on time every month. However on their app it says I only have a balance of {$80.00}. XXXX also has NOT REPORTED MY ON TIME PAYMENTS SINCE XXXX OF THIS YEAR PER THEIR OWN APP. They claim it's the credit bureaus not reporting correctly, and of course the credit bureaus claim it is them.... it is going on XXXX and this still is not fixed. None of these companies want to take accountability or show ANY INTEGRITY. they continually ask for proof, and when I send it, it is radio silence and NOTHING IS UPDATED. I NEED HELP

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 2025-09-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
What happened : XXXX charged me {$10.00} per month under XXXXXXXX XXXX XXXX for more than a year ( XX/XX/XXXXXXXX XXXX XXXX XXXX  ), totaling approximately {$140.00}. These charges were deceptive the Federal Trade Commission and Illinois Attorney General have already adjudicated that XXXX misled consumers with hidden subscription fees and unlawful billing practices ( FTC XXXX XXXX, XXXX XXXX ). 

My actions : I disputed these recurring charges with Bank of America. Despite providing evidence, Bank of America denied my claim, stating the charges were authorized. This ignores the fact that XXXX conduct has been found to be unlawful and deceptive by federal regulators. 

Why this is unfair : Bank of America has a duty under federal consumer protection law ( Regulation E / Regulation Z ) to investigate and correct unauthorized or deceptive charges. By denying my dispute, they are improperly forcing me to absorb losses caused by XXXX illegal practices.

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 monetary relief
Consumer complaint received 2025-09-13 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:
There are over 20+ refunded transactions that should have been posted to my bank card and cash app. I have receipts of the transactions that were funds should have been on my debit card linked to cash app but I have called multiple times to the bank and no funds have been posted. It is over 2 years they refuse to give me access and explanations. All I get is for security reasons you can not access your funds. I have verified identity, face recognition, SSN and DL. Always same answer and over the phone they have hung up on me. The amount owed its over {$2000.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: NM

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
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

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 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
The debt must be legally collectible within the states jurisdiction where the creditor resides. 
Creditors must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXXXXXX XXXX. 
Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

This company has posted one or more outdated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under XXXX. 
Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports, XXXXXXXX XXXX XXXX XXXX XXXX XXXX respectively. 
DELETE THIS ILLEGAL COLLECTION IMMEDIATELY AND PERMANENTLY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: AL

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 explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year> I attempted to open an account with Chime Bank. 

Upon entering my personal information I was informed that my social security number was already in use. 

I attempted to try to use the " Forgot Password '' and " Forgot Email Address '' recovery system from Chime Bank to find my old account, but was informed that no such account exists. 

I called Chime Bank immediately. 

The agent created " an investigation '' and then sent me an email saying that they could not give me any clarification on the results of the investigation. I asked if I could create an account, and then she said that she could forward me to Member Services. When I pushed further she confirmed that no, I could not create an account and that they could not tell me why. 

She was unable to help me determine if my social security number was being used fraudulently, and refused to help me with any account recovery nor anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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:
To Equifax, This is an uncompromising CFPB complaint demanding urgent and immediate action. Under the strict and non-negotiable provisions of FCRA 605B ( 15 U.S.C. 1681c-2 ), Equifax is ordered to block and remove the fraudulent information on my credit report within an inflexible deadline of four business days upon receipt of this complaint. The fraudulent accounts, which must be eradicated without hesitation, are : XXXX XXXX XXXX XXXX  XXXX {$640.00}, XXXX XXXX {$900.00}, XXXX  XXXX {$420.00}, XXXX XXXX XXXX {$230.00}, XXXX XXXX XXXX {$300.00}, XXXX XXXX XXXX {$1800.00}. The following inquires are not authorized XXXX XXXX XXXX XXXXXX/XX/year> ) XXXX XXXX XXXX of XXXX ( XX/XX/year>. ) These fraudulent accounts have resulted in unauthorized hard inquiries and false collections tarnishing my FICO credit report. I emphatically reject any insinuations that I authorized these accounts, emphasizing that they are irrefutable evidence of identity theft and fraud. Enclosed is the FTC Identity Theft Criminal Complaint ( # XXXX ), undisputed documentation from the U.S. Federal Trade Commission proving the fraudulent nature of these accounts, collections, and inquiries. Failure to act with immediate and decisive force to block and obliterate this fictitious information from my credit report will not be tolerated. Should Equifax fail to respond within the stated time frame, be prepared for relentless and aggressive legal action to enforce my rights under the FCRA. This is a final directive, not a request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Commercial Industries Services Company, Inc.
State: NY

Complaint narrative:
PLEASE REFER TO THE ATTACHMENT. 

This debt collector mailed a debt collection letter to me only allowing 2 ( two ) days after receipt to respond. The date of the letter was dated XXXX and it was received by mail on XX/XX/year>. I was instructed to respond by the XXXX of XXXX. Pursuant to the FDCPA rules, I am entitled to 30 days to dispute a debt. This debt collector can not shorten this right by saying payment must be in 10 days of the date of this letter and serve it so that I am only left with 2 days to respond. Demanding a response in that short of time is boilerplate pressure language and it appears that this was done deliberately to default me. As and for the envelope, it was suspicious because it failed to disclose when it was mailed raising questions of deceptive or unfair practices 15 USC 1692e. I do not owe this company any money and I have sufficient reason to believe this service was intentional to default me. The way it was worded and served was definitely a deceptive litigation tactic. I am currently recovering and am a XXXX worker. I am also suffering from XXXX XXXX. I lost work hours having to prepare my response and serve a timely reply to that improper collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint Regarding Fraudulent Inquiries TransUnion Refusal to Remove To Whom It May Concern, I am submitting this complaint regarding TransUnions failure to remove fraudulent and unauthorized inquiries from my credit file. These inquiries were not initiated or authorized by me, yet TransUnion continues to report them as valid despite my dispute. 

Below is a detailed list of the fraudulent inquiries appearing on my TransUnion report : List of Fraudulent Inquiries XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FCRA Violations Despite disputing these inquiries, TransUnion has failed to remove them or provide evidence of permissible purpose. This violates : 15 U.S.C. 1681i Duty to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) Duty to follow reasonable procedures to assure maximum possible accuracy.

Harm Caused These fraudulent inquiries have negatively impacted my credit standing, lowered my credit score, and increased the risk of identity theft and financial harm. Requested Relief I request that the CFPB : 1.Investigate
TransUnions inadequate handling of my dispute.

2.Require TransUnion to provide verifiable documentation of permissible purpose for each inquiry listed above.

3.Direct TransUnion to immediately delete these unauthorized inquiries from my credit file.

I am attaching screenshots of the inquiries from my XXXX XXXXTransUnion report as supporting evidence. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Florida was involved in a Data Breach between XXXX and I believe some accounts were opened with my information during that data breach and now this company LVNV is trying to hold me accountable for something I know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Experian in the past couple days has ran my social security number against my report without my permission. The company has also sent my information as an inquiry to multiple mortgage companies. Because of inquiry that got my report. The company also has still not removed collection account that is over 6 years old.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Experian in the past couple days has ran my social security number against my report without my permission. The company has also sent my information as an inquiry to multiple mortgage companies. Because of inquiry that got my report. The company also has still not removed collection account that is over 6 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been trying to get my money off of this account for nearly a month now I have nearly {$3000.00} on this account and they are withholding it from me The company 's name is XXXX XXXX The company I get millage reimbursement from is motive care but XXXX XXXX is the bank withholding my money, I just left my money transferred really feel that I have linked my routing and account number link

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this follow-up complaint regarding several unauthorized inquiries that have appeared on my credit reports without my consent or any valid permissible purpose. I have contacted the banks involved, and they confirmed that these inquiries were not authorized by me. Despite this, the inquiries remain on my credit files and are negatively affecting my credit. 
The inquiries in question include 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. I never applied for credit or provided permission for these companies to access my credit report. 
Under the Fair Credit Reporting Act ( FCRA ) : 604 ( a ) ( 15 U.S.C. 1681b ( a ) ) A consumer report may only be provided with my consent or for a legitimate credit transaction I initiated.
607 ( a ) ( 15 U.S.C. 1681e ( a ) ) Credit reporting agencies must maintain reasonable procedures to ensure reports are only provided to entities with a permissible purpose.

611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) I have the right to dispute inaccurate items, and the bureaus must reinvestigate and delete anything that can not be verified as valid.

Company response to consumer: Closed with explanation