vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
This complaint is against CashApp and XXXX XXXX XXXXXXXX On XX/XX/XXXX, I made a CashApp transaction, and the money was sent to the wrong person or company XXXX XXXX XXXX ) for XXXX XXXXXXXX XXXX XXXXXXXX dollars ( {$120.00} ). Once I noticed I had made a mistake, I immediately requested to cancel the transaction through the CashApp application. I also contacted my bank XXXX XXXX XXXX  XXXX ) to dispute the charge, but the transaction still appeared as pending on the bank 's website via my account. After filing the dispute online, the bank temporarily credited my account for {$120.00} two days later. Yesterday, XX/XX/XXXX, XXXX XXXX  XXXX debited my account for the same amount, {$120.00}. Then, I called CashApp at XXXX and spoke with a female agent about the issue, and she told me CashApp has nothing to do with it and to talk to my bank. I asked the agent if I could speak with her supervisor or manager. She said someone would contact me by email. I have attached the content of the email I received.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} INQUIRIES : XXXX  Date : 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 2025-08-03 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: IN

Complaint narrative:
I am disputing two accounts that do not belong to me and appear to be the result of identity confusion with someone of a similar name. The first is FORUM XXXX, opened XX/XX/XXXX with last activity on XX/XX/XXXX. It is marked as a charge-off and written as a profit and loss, yet no 1099-C has been issued. If a creditor forgives any debt over {$600.00}, it must be reported to the IRS using a 1099-C. Without it, the debt should not be reported as collectible or continue damaging my credit. This account is not on TransUnion or XXXX further showing inconsistency. The second is XXXX XXXX, balance {$1700.00}, opened XX/XX/XXXX and reported only to TransUnion. This violates FDCPA 807 ( 15 U.S.C. 1692e ), as it is being reported without full debt validation or ownership. It is not listed on Equifax or XXXX, and again, I believe it is tied to someone else with a similar name.

Company response to consumer: Closed with explanation
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: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
Report to credit bureau. Not my debt and is hurting my credit. Ive asked for copies of signed contract and never received them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I had opened XXXX checking accounts online at TD bank. I opened XXXX I believe on XX/XX/XXXX and the other on XX/XX/XXXX. I had transferred money from the checking account opened up on XX/XX/XXXX to the one opened on XX/XX/XXXX. The next day XX/XX/XXXX I wanted to transfer the money back into the other checking account because I needed to zelle someone and XXXX wasn't available on that account yet, when I went to try and transfer it the option wasn't available, keep in mind this is transferring between XXXX account at TD bank. At this time I had called customer service and I was told that my account was restricted because I opened it up online, mind you my other account wasn't restricted. The rep stated that I needed to verify myself so the customer representative had asked me for my S.S, address, and email address on file and told me that she put in a request with my verification information and that it could take up to XXXX hours to be resolved. At that time I had told the customer service rep that I needed access to my money immediately. She told me I could go to a branch and show proof of identity. So I went to the TD bank in XXXX XXXX  that day and tried to transfer my money with the teller, but the teller told me I couldn't because of the restriction and to speak to the banker. So I went and spoke to the banker gave him my license and social security card. At that time he told me it was nothing he could do about the restriction and that I had to wait XXXX hours. At that time I had stated that I needed access to my money and if he could close the account and deposit the money into my other account, but when he tried to he couldn't because of the restriction. Now on XX/XX/XXXX over XXXX hours later my account was still restricted and I'm having a hard time getting in touch with customer service. They are suppose to have XXXX customer service support yet I've been waiting to speak to someone for over an hour ( I have proof of that ). I need access to my money as it is rent money that was due on XX/XX/XXXX. I don't understand why I was allowed to transfer money into the account if there was a verification issue in the first place. So they allowed me to deposit money but then don't allow me to withdraw my own funds. This is causing me a lot of stress and emotional distress.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX. 
P.O. XXXX XXXX XXXX, MI XXXX Subject : Arbitration Election and Cease Communication Demand To Whom It May Concern, This letter is to provide formal notice that I am electing binding arbitration to resolve all claims, disputes, or allegations you have asserted or may assert against me regarding the alleged debt you are reporting and/or attempting to collect.

If you contend you have acquired this debt from an original creditor, you are likewise bound to the arbitration clause contained within that original agreement. Per the Federal Arbitration Act ( 9 U.S.C. 1 et seq. ), I am invoking my right to arbitration, and this election is final and legally binding.

Additionally, under 15 U.S. Code 1692c ( c ), I am demanding that you immediately cease all communications, including : All phone calls, emails, letters, or other contact Reporting or verifying this debt to XXXX XXXX or TransUnion Any future collection or litigation attempts Cited Legal Grounds : Federal Arbitration Act ( FAA ), 9 U.S.C. 116 15 U.S.C. 1692c ( c ) Cease Communication ( FDCPA ) 15 U.S.C. 1692g ( b ) Failure to validate disputed debt 15 U.S.C. 1681s-2 ( b ) Furnishing inaccurate/unverified information to CRAs 15 U.S.C. 1681n & 1681o Civil liability for FCRA violations

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this formal complaint to report JEFFCAPSYS, a third-party debt collector, for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

This complaint concerns an alleged XXXX XXXX account, partially listed as # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a reported balance of {$130.00}, currently being furnished to XXXX by JEFFCAPSYS. This account does not appear on Equifax or Experian, and JEFFCAPSYS has never sent me any written communication, validation notice, or contractual evidence regarding this debt. 
This conduct violates the following federal statutes : Violations Identified : FDCPA XXXX692g ( a ) JEFFCAPSYS failed to send any written notice of the debt within five days of initial contact. I was never contacted prior to this tradeline appearing on my credit report.

FDCPA 1692g ( b ) They continued reporting this account without validating the debt after it was disputed.

FCRA 1681b The use of my consumer credit report without permissible purpose ( absent a valid, verifiable debt or contract ) constitutes unauthorized access.

FCRA 1681e ( b ) The information furnished is inaccurate and incomplete. If this was a valid account, it would be reported to all three bureaus, not just TransUnion.

This account is : Unvalidated Disputed Negatively impacting my credit Furnished without legal justification JEFFCAPSYS has not proven ownership or assignment of this debt, nor have they provided any itemized statement or original contract linking me to this alleged balance. Continued furnishing of this data under these circumstances is reckless and unlawful.

Requested Corrective Actions : I respectfully request that the Consumer Financial Protection Bureau initiate an immediate investigation into JEFFCAPSYS and that the following corrective actions be taken : Immediate removal of this account from my TransUnion credit file Full investigation into JEFFCAPSYSs FCRA and FDCPA violations Civil penalties and enforcement actions for unlawful furnishing of unverifiable data Mandatory documentation proving debt ownership, legal assignment, and a full itemization Update all future data furnished to reflect that this account is disputed by consumer Provide written confirmation to me of all actions taken as a result of this complaint XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX Email : XXXX XXXX

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: LEXISNEXIS
State: CA

Complaint narrative:
I dispute a public record showing on my consumer report, lexis nexis sent me a notice post dispute saying the item was unverifiable. I contacted them about it and they told me I would need to dispute it again, I informed them that this seemed unfair, and I believed that this in some way violated my rights. They insisted that all they could do is re-dispute the item and they advised me to wait XXXX more days. I requested a description of procedure and the told me that they could not provide that.

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: TX

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX OR File online : https : //www.consumerfinance.gov/complaint/ Subject : Complaint Regarding Unauthorized Hard Credit Inquiries To Whom It May Concern : I am submitting this complaint to bring to your attention a serious issue regarding unauthorized hard inquiries on my credit reports with Experian, Equifax, and TransUnion. 

On or around XX/XX/year>, several companies performed hard credit inquiries in my name without my knowledge or consent. These inquiries are not the result of any loan application, account opening, or credit-seeking behavior on my part. 

The companies that accessed my report without permission include : 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 These unauthorized inquiries are damaging my credit score and were not initiated or authorized by me. 

I have contacted the credit bureaus and requested a formal investigation and removal of these inquiries. I am requesting the CFPB to investigate how these inquiries were allowed and to hold the furnishers accountable under the FCRA and FACTA for illegal access to my credit file. 

Please let me know what additional information is needed. I am attaching a copy of my ID and relevant pages of my credit report. 

Thank you for your assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX OR File online : https : //www.consumerfinance.gov/complaint/ Subject : Complaint Regarding Unauthorized Hard Credit Inquiries To Whom It May Concern : I am submitting this complaint to bring to your attention a serious issue regarding unauthorized hard inquiries on my credit reports with Experian, Equifax, and TransUnion. 

On or around XX/XX/year>, several companies performed hard credit inquiries in my name without my knowledge or consent. These inquiries are not the result of any loan application, account opening, or credit-seeking behavior on my part. 

The companies that accessed my report without permission include : 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 These unauthorized inquiries are damaging my credit score and were not initiated or authorized by me. 

I have contacted the credit bureaus and requested a formal investigation and removal of these inquiries. I am requesting the CFPB to investigate how these inquiries were allowed and to hold the furnishers accountable under the FCRA and FACTA for illegal access to my credit file. 

Please let me know what additional information is needed. I am attaching a copy of my ID and relevant pages of my credit report. 

Thank you for your assistance. 

Sincerely, 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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: OH

Complaint narrative:
Ive found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and I am requesting a full investigation under the fair credit reporting act ( FCRA ). Please remove this unverifiable item.

Company public response: Company disputes the facts presented in the complaint
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Complaint Sent XX/XX/year> I, XXXX XXXX XXXX, am filing this complaint against [ Equifax XXXX TransUnion XXXX Experian ] for knowingly reporting inaccurate, unverifiable, and incomplete information on my credit report, in violation of my rights under federal law. 

I submitted disputes regarding multiple accounts that are : Inaccurate Not verified with original signed contracts Not updated or deleted within the statutory 30-day investigation period These actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ).

The following federal statutes have been violated : 15 U.S.C. 1681i ( a ) Failure to reinvestigate disputed items within the legal timeframe 15 U.S.C. 1681s-2 ( b ) Failure to verify or delete inaccurate or unverifiable information 15 U.S.C. 1681n Willful noncompliance with the FCRA 15 U.S.C. 1681o Negligent noncompliance with the FCRA 15 U.S.C. 1637 ( b ) ( 2 ) ( A ) No documentary evidence provided to verify a billing error 15 U.S.C. 1692e ( 10 ) Use of false, misleading, or deceptive collection practices 15 U.S.C. 1692j Use of false forms implying legal obligations 15 U.S.C. 1681q Reporting or obtaining consumer data under false pretenses I have requested multiple times for [ Equifax / TransUnion / Experian ] to investigate and remove accounts that are unverifiable or factually incorrect. They have either failed to respond, failed to investigate properly, or continued to report this information without correction.

I am requesting that the CFPB compel [ Equifax / TransUnion / Experian ] to : 1. Immediately remove all inaccurate and unverifiable accounts ; 2. Provide documented proof of verification including signed contracts or original account-level evidence ; 3. Cease the continued reporting of data that violates federal consumer protection statutes ; 4. Issue an updated and corrected credit report ; 5. Provide written notice of resolution to me within the timeframe allowed by law.

If this matter is not resolved, I reserve the right to pursue damages under 15 U.S.C. 1681n and 1681o for willful and negligent violations of the FCRA, including up to {$1000.00} per violation, plus attorneys fees.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complaint Sent XX/XX/year> I, XXXX XXXX XXXX, am filing this complaint against [ Equifax XXXX TransUnion XXXX Experian ] for knowingly reporting inaccurate, unverifiable, and incomplete information on my credit report, in violation of my rights under federal law. 

I submitted disputes regarding multiple accounts that are : Inaccurate Not verified with original signed contracts Not updated or deleted within the statutory 30-day investigation period These actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ).

The following federal statutes have been violated : 15 U.S.C. 1681i ( a ) Failure to reinvestigate disputed items within the legal timeframe 15 U.S.C. 1681s-2 ( b ) Failure to verify or delete inaccurate or unverifiable information 15 U.S.C. 1681n Willful noncompliance with the FCRA 15 U.S.C. 1681o Negligent noncompliance with the FCRA 15 U.S.C. 1637 ( b ) ( 2 ) ( A ) No documentary evidence provided to verify a billing error 15 U.S.C. 1692e ( 10 ) Use of false, misleading, or deceptive collection practices 15 U.S.C. 1692j Use of false forms implying legal obligations 15 U.S.C. 1681q Reporting or obtaining consumer data under false pretenses I have requested multiple times for [ Equifax / TransUnion / Experian ] to investigate and remove accounts that are unverifiable or factually incorrect. They have either failed to respond, failed to investigate properly, or continued to report this information without correction.

I am requesting that the CFPB compel [ Equifax / TransUnion / Experian ] to : 1. Immediately remove all inaccurate and unverifiable accounts ; 2. Provide documented proof of verification including signed contracts or original account-level evidence ; 3. Cease the continued reporting of data that violates federal consumer protection statutes ; 4. Issue an updated and corrected credit report ; 5. Provide written notice of resolution to me within the timeframe allowed by law.

If this matter is not resolved, I reserve the right to pursue damages under 15 U.S.C. 1681n and 1681o for willful and negligent violations of the FCRA, including up to {$1000.00} per violation, plus attorneys fees.

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: NY

Complaint narrative:
I am writing to file a formal complaint against the XXXX major credit reporting agencies, Equifax, Experian, and TransUnion, for their failure to comply with the Fair Credit Reporting Act ( FCRA ). They are currently reporting an inaccurate and unverifiable debt on my credit file, which was furnished by XXXX XXXX XXXX. 
I have an alleged debt on my credit report from XXXX XXXX XXXX, which I do not believe I owe. In accordance with my rights under the FDCPA ( 15 U.S.C. 1692g ), I sent a certified debt validation letter to XXXX XXXX XXXX. This letter explicitly disputed the debt and demanded concrete proof of my liability. 
XXXX XXXX XXXX failed to provide any validation of the debt. Furthermore, in a clear violation of the FDCPA, they continued to report this unverified and disputed account to the credit bureaus. The credit reporting agencies have a legal obligation under the FCRA to ensure the accuracy of the information they report. By continuing to furnish information on a debt that has been formally disputed and for which no validation has been provided, these agencies are failing to meet their statutory duties. The account is unverifiable and, therefore, inaccurate as a matter of law.

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