vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following accounts and inquiries appeared on my credit report as a result of identity theft and unauthorized use of my Social Security number. I did not apply for, authorize, or have any knowledge of these accounts : XXXX XXXX XXXX XXXX Additionally, I did not authorize the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Two addresses have also been reported under my credit profile that are not connected to me in any way.

These items are violations under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681c2, which mandates removal or blocking of information resulting from identity theft.

15 U.S. Code 1681b, which prohibits access to a credit report without a permissible purpose or consumer consent.

To date, no party has provided verification or proof of a valid debt or authorization. This lack of response constitutes estoppel by silence ( Engelhardt v. Gravens, 281 S.W. 715 ( Mo. 1926 ) ).

If these items are not removed within a reasonable time, I am prepared to pursue formal legal action to protect my rights under federal law, including filing complaints with the CFPB, FTC, and initiating a civil claim for damages under 15 U.S. Code 1681n and 1681o.

This serves as a final opportunity to resolve the matter without litigation.

Let me know if youd like this adapted into a formal letter format or if you need help preparing documentation for a lawsuit or regulatory complaint.

You said : What would be a fair resolution to this issue?

Well forward this to the companies involved. Be specific so they know what resolution you are looking for. The company may or may not offer to resolve your complaint. 

XXXX said : Heres a clear and specific response you can use that outlines a fair and lawful resolution : A fair resolution would include : Immediate removal of all fraudulent accounts from my credit file, including : XXXX XXXX XXXX XXXX Deletion of all unauthorized credit inquiries, including : XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) Correction of personal information, specifically the removal of inaccurate addresses not associated with me.

Written confirmation from the company and/or credit bureaus that these items have been deleted or blocked under 15 U.S. Code 1681c2.

If applicable, compensation for any damages caused by the reporting of this inaccurate information, including lost credit opportunities, emotional distress, or time spent resolving the issue.

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 2025-07-08 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-08 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: AL

Complaint narrative:
Ok I borrowed and I paid back each time this time while I was having family problems that arise it took me for a loop XXXX XXXX in my family caught me off guard was not focused then I said I got ta call cash app so I did and talked to them the one lady told me look you going thru a lot take your time but don't forget yes I understand them all of sudden I started getting money a little then started putting it toward my amount I mean I was giving back you then I finally talk to XXXX when I noticed they turned my app off and I said how am I suppose to send to y'all if y'all turnedy app off he said we can do what we want I asked for my balances never did so I can honestly say I have made over 14 pay back amounts and each one they denied my payments and it made me so made I was using bad words then they accuse me of trying to get money out of my account I told them I could not cause I had no money I was called a XXXX XXXX XXXX can't count XXXX  American now that is going over the extreme come on now I mean I have proof and they are at me everyday demanding money from me ok stop please I can get an lawyer and sue cause I got your names and I don't want nothing else to do with cash app after this cause I do have a good case cash app said borrow with no added fees so yes I agreed so now everyday fee goes up higher and higher why would they harass me like that. I feel like my life is in danger according cause it seems XXXX mentioned you know I know where Alabama is I come see you won't be pleasant that was a threat made to me I do need to make a complaint I'm fearful of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I HAVE NEVER DID BUISNESS WITH MIDLAND CREDIT MANAGEMENT INC XXXX XXXX SOLD MY ACCOUNT TO THIS COMPANY WITHOUT MY KNOWLEDGE ON MY CREDIT REPORT IT STATES THIS IS AN ORIGINAL CREDITOR WHIICH IS FALSE, XXXX  XXXX IS ACCORDING TO FAIR CREDIT REPORTING ACT, CREDITORS MUST REPORT ACCURATE INFROMATION I WOULD LIKE THIS COMPANY PROVIDE PROOF OF ME SIGNING A CONTRACT AGREEING TO PAY MONEY THEY STATING I OWE WHICH IS {$1100.00} AND SHOW PROOF THEY ARE THE ORIGINAL CREDITOR I DID BUSINESS WITH

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NE

Complaint narrative:
To Whom It May Concern, I, [ Your Full Legal Name ], am writing to formally dispute the reporting of a XXXX XXXX account under my name, reported by the XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX to consumer reporting agencies. This account is currently appearing on my credit reports and is causing material harm to my financial reputation. 

As a consumer, I am afforded rights under several federal laws, including but not limited to the : Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq.

Privacy Act of 1974, 5 U.S. Code 552a Under the FCRA, you are required to furnish accurate, complete, and verifiable information to consumer reporting agencies. Per 15 U.S.C. 1681s-2 ( a ), data furnishers like XXXX may not report inaccurate or incomplete information. Furthermore, if a dispute is submitted, the furnisher is obligated under 15 U.S.C. 1681s-2 ( b ) to : 1. Conduct a reasonable investigation, 2. Review all relevant information, 3. Correct or delete inaccurate, incomplete, or unverifiable information within XXXX  days. 

My Basis for Dispute : XXXX. I am requesting verification of the alleged child support debt, including the original court order, signed documentation, and a full accounting ledger. 
XXXX. The information reported is inaccurate, incomplete, or unverifiable, and as such, violates federal statutes and should be removed. 
XXXX. This child support obligation, if valid, is being handled administratively, and I dispute its inclusion on my credit report without a full due process or legal judgment as required under 15 U.S.C. 1681c regarding obsolete or unverifiable accounts. 

Affidavit of Truth I, [ Your Full Name ], declare under penalty of perjury under the laws of the United States that the above statements are true and correct to the best of my knowledge. 
I have not received validation or proper notice of this debt in accordance with 15 U.S.C. 1692g. 
I am exercising my rights to challenge and dispute the reporting and validity of this debt. 
I demand immediate removal of the XXXXXXXX XXXX XXXX account from my credit reports unless you can provide legally admissible evidence that the information is complete, accurate, and verifiable.

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 2025-07-08 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:
I am submitting my Identity Theft Affidavit as supporting documentation for my pending identity theft dispute.

I am requesting the removal and blocking of all fraudulent accounts and inquiries under FCRA Section 605B.

Please find attached : My completed Identity Theft Affidavit A copy of my government-issued ID ( drivers license ) A copy of my proof of address ( utility bill or bank statement ) I am a victim of identity theft and these accounts were opened without my knowledge or authorization. Please process this documentation promptly and update me with confirmation of removal.

Thank you for your assistance.

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 2025-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aubrey Thrasher, LLC
State: CA

Complaint narrative:
b"MY COMPLAINT:\nI requested debt validation from the third-party collection company; they returned with a nasty email response: Debt wasn't validated properly, harassing phone calls, hanging up the phone abruptly. ignoring request, nonresponsive to complaint filed by consumer; I raise [Commercial Collection Code of deliberate Ethics Violation]. \n\nGood morning, We are aware of the property owned and we plan to pursue the debt to the extent that we obtain a judgment and attach it to the property. Domestication and a lien being placed on the property. We also are aware of multiple businesses owned by you. There is also the probability of bank garnishment. With the approved judgment will come interest and additional fees and cost. Upon further research, we now understand that there are personal assets, as well as possible business assets to pursue upon obtaining a judgment. Our client has pleaded with us not to delay the filing. Please advise your client as of this moment: do not remove, relocate, sell or otherwise obstruct the enforcement of our clients UCC lien against the assets of the business. Should your client decide to settle the account in a lump sum, we will immediately forego the lawsuit being prepared against you and release the UCC Lien(s) on the business and its assets, we will commence with litigation efforts against the business and guarantor in the County Magistrate or State Court, whichever is the appropriate venue. Kind Regards, XXXX XXXX Case Manager Office: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I created a checking account with Bank of America a couple of months ago and put {$110.00} in the account. I have a debit card associated with the account. I am being charged {$12.00} per month for " Service fees '' but can not login to my account. 

When I try to login, it says I can't login and must call Bank of America 's number. 

However, when I try to speak to someone, I can't get anyone on the phone and end up waiting for hours just to speak to someone.

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 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am disputing a debt collection account reported by XXXX XXXX XXXX for {$740.00}. I never received validation of the debt under FDCPA 809 ( a ), and the account continues to be reported as closed but derogatory, without proper verification or documentation. There is no clear evidence that this debt belongs to me or that XXXX has the legal authority to report or collect it. 

The account is outdated and has not been verified for over two years, yet it continues to appear with negative impact on my credit. This violates both the FDCPA and the Fair Credit Reporting Act 607 ( b ) and 611. I respectfully request the deletion of this account.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian charged me {$24.00} on XX/XX/year> for their membership plan, Experian XXXX XXXX. 

I originally was on Experian to look at my credit history and report and was mislead to be charged for their Experian XXXX XXXX. 

I never received email communication that this charge was confirmed or receipt of charge. 

When I cancel my membership plan, I can not automatically be refunded for this error nor can I remove my billing information to prevent further billing errors. 

Another thing to note is that Experian does provide email communication to confirm your membership cancelation, and include a cancelation confirmation # on your account. Showing that their communications aren't similar with charge being made vs removing a charge. 

Experian is not providing a user experience, marketing, and communications that is user friendly. It encourages bad faith billing 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 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint against Chase Bank for withholding {$58000.00} from my business checking account since XX/XX/year>, without resolution, communication, or due process. 

On XX/XX/year>, my business checking account received a wire transfer in the amount of {$98000.00}. Shortly after, Chase restricted the account and informed me that the transaction was under investigation. I was later told that the wire sender was allegedly claiming the transaction was unauthorized. As a result, Chase froze my account and is withholding the remaining {$58000.00} funds that rightfully belong to my business. 

Over 60 days have passed, and despite repeated phone calls and escalations, I continue to be told the case is still under investigation. I have never been contacted for a statement, never asked to submit documentation, and never given an opportunity to respond to the allegations. Chase has essentially treated me as guilty without due process this is unjust, irresponsible, and harmful to my business operations. 

If Chase is basing this hold on any documentation or communications from the sender, I am demanding that they provide timestamped, dated proof of when those documents or claims were received. If they can not do this, then they have been misleading me for over two months while unlawfully holding my funds. 

This delay has caused significant financial harm to my business. I am requesting the CFPB to take immediate action and compel Chase Bank to : Release the {$58000.00} being withheld from my account, or Provide a clear, documented, and dated explanation of what evidence they received, when it was received, and allow me the chance to submit my side. 

I believe Chase is acting in bad faith by failing to communicate, withholding funds indefinitely, and not following proper protocol. Please assist in resolving this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I am current on my payments. I should not have anything negative reported on my credit report as a consumer. It shows that I am late on a payment dated back on XXXX of XXXX and XXXX of XXXX, but I am not late on any of my payments.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
There are 10 parcels on this loan. Only 5 out of the 10 properties have records showing the 2025 city tax bills paid. Currently 0 out of 10 show paid on the county 's tax website portal. The 5 with no records of XXXX  paying are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY,XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX The total amount due by XX/XX/year> ( penalties accrue on XX/XX/year> ) : {$3300.00}

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I am requesting a 1099-C from the charge off account below. XXXX XXXX XXXX amount XXXX sold this account to Credit Collection Services about 67 days ago and this account can not be reported on my credit report as a charge off if it was purchased by another lender. Please send the 1099-c form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following information are wrong : Incorrect Name - XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate.

Company response to consumer: Closed with explanation