vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like the account to be removed as soon as possible. As i did not apply for 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 2025-08-30 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: LEXISNEXIS
State: SC

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MD

Complaint narrative:
Cashapp closed my account and they wont let me link my debit card so I can withdraw my money. I have {$6000.00} stuck in there I have bills and kids etc to pay for its been weeks and I havent been able to access my funds. Can you please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: AZ

Complaint narrative:
On XX/XX/year> I submitted an online bill payment to Mariner Finance through XXXX XXXX XXXX for the amount of {$70.00} USD, This online payment was processed through the pre determined fields online for payment to be sent, the expected time to receive payment was 1 Business Day, with transaction being confirmed to be processed electronically, according to proof of payment through XXXX XXXX XXXX, the payment was successfully processed on XX/XX/year>, through multiple calls to Mariner Finance they have denied receiving payment and would not accept proof of payment to investigate, I initiated a claim with XXXX to trace the payment, XXXX indicated through the claim process which was denied that the payment was successfully received and processed however no reflection on my account or through Mariner Finance Customer Service shows that payment was no payment was received on their end, this complaint is to have Mariner Finance find the electronic payment and apply it to my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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:
On XX/XX/, XXXX  sent me the results of my dispute regarding an account reported by XXXX XXXX XXXX ( account ending in XXXX XXXXXXXX ). In my dispute, I requested documentation verifying the accuracy of the account, including the method of verification required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

XXXX response stated only that the account was verified and that certain fields were updated. They did not provide any supporting documentation, evidence from the furnisher, or the required method of verification. 

By failing to provide proof and relying solely on the furnishers response, XXXX  did not conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). As a result, XXXX  continues to report disputed and unverifiable information on my credit file, which is causing ongoing harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
Mr. Cooper sent a letter dated XX/XX/year>, demanding payment of property taxes which I received in late XXXX. The letter demanded county tax payment in the amount of {$2900.00}. The letter stated I had XXXX ( XXXX ) days to pay the county because the county sent them a letter or bill demanding payment. I talked with the county treasurer who handles personal property payments and she informed me that they sent no such correspondence and would not sent any demand letters or bills to anyone other than the homeowner. They also told me there is not currently a mortgage company assigned to my property. Mr. Cooper then proceeded to make the tax payment without my permission, after being informed of an preexisting payment plan with the county, and charged me the full amount, and then altered the original payment on the loan to an amount that would cause extreme financial hardship. The new amount varies significantly from the terms in the Original loan agreement. I did not agree on any new amounts and I do not consent to any new terms or alterations. 

I also sent in a validation of debt document titled " writ in the nature of discovery '' requesting information from the company and in their response they didn't provide anything I asked, they played around with condescending responses and flat out stated that the information I was requesting was " confidential ''. They told me that I had to get a court order to request the information in my letter through through the county district court. I went to the district court to properly file the document and they told me that I did not have to go through them, and that the company has to send me what I requested as my demands and requests are lawful under the due process clause of the constitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I requested that my son become an authorized user on my account to build his credit however Ive never received the new card from TD Bank. Later on I tried making a purchase at XXXX XXXX with my TD card and it did not go through and came back insufficient funds, which led me to call TD Bank to find out what is going on. They then told me that my son card has been used even though Ive never received it. TD Bank claimed they did an investigation, but the bank never found out who activated my sons card. They concluded their investigation by saying that it was not fraud due to the fact the person who stole it stop using it after I placed the call that my card wasnt working due to insufficient funds. Absurd!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: CO

Complaint narrative:
I've been a victim of identity theft for the past 5 years.I haven't had access to cashapp because of violating terms of condition.I noticed someone is transferring money into accounts with my name on it .. My name is XXXX XXXX XXXXI would like your department to surrender any funds linked to my name and report the merchants to the e FBI

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below 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 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
My chime account was closed supposedly because I was in non-compliance I am a full time college student currently my chime account was closed last year because I transferred funds from my school bank account to my chime account chime tried to close my account and keep my money but my school bank recovered the funds from chime even after I verified with chime about where the funds came from they still chose to close my account and tried to keep my money now here I am a year later trying to recover my account so I can use it to pay for the deposit on my apartment because im currently living in a hotel while working part time and going to school and I need a place to live and I need a chime account to pay for my move in cost and its very frustrating because I really didnt do anything wrong in the first place I was on the phone with customer service and they told me they couldn't tell me how I was in non-compliance just that I was and I no longer can open a chime account against like wow come on if that's not discrimination I dont know what is Chime do better!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: DC

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-30 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: SC

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me.

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-08-30 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: SC

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me.

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: CO

Complaint narrative:
I recently reviewed a copy of my credit report and noticed some accounts that were not accurate. These accounts are hindering me from obtaining credit. Please remove them.

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 2025-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX : XX/XX/XXXX SS XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : Formal Dispute of Duplicate Reporting Account with XXXX  XXXX / AllianceOne To Whom It May Concern, I am formally disputing inaccurate and duplicate information that appears on my TransUnion credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The account in question is : Creditor : XXXX XXXX, XXXX. 
Account Number ( partial ) : XXXX Balance : {$640.00} Status : Charged Off / Closed This account has already been reported by XXXX XXXX and is showing on my TransUnion credit file. However, I am now also receiving collection notices from AllianceOne Receivables Management , Inc., regarding this same exact account and balance. This creates a duplicate entry for the same debt, which is misleading, inaccurate, and violates my rights under FCRA 602 ( A ) and 607 ( b ) ( requiring maximum possible accuracy ).

Duplicate reporting of the same account unfairly damages my credit by making it appear as though I have two separate derogatory accounts when in fact it is the same XXXX XXXX account. 

Accordingly, I demand that TransUnion : XXXX. Immediately investigate this matter pursuant to FCRA 611 ( 15 U.S.C. 1681i ). 
XXXX. Remove any duplicate reporting of the XXXX XXXX account being furnished through AllianceOne or otherwise correct the reporting so that it only appears once. 
XXXX. Provide me with written confirmation of the results of your reinvestigation. 

Please be advised that I am also filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) for assistance in resolving this matter, as this inaccurate reporting is in violation of federal law. 

Attached are supporting documents : AllianceOne collection letter dated XX/XX/XXXX. 
TransUnion credit report showing the XXXX XXXX account already listed. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: NY

Complaint narrative:
For the past few months Ive written to Experian and explained that several accounts were being reported inaccurate. The company has responded each time that the accounts were verified as accurate. Even with proof sent to them nothing was corrected or deleted. FCRA states CRAs are to assure maximum accuracy of information which they failed to do.

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 2025-08-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
I'm not even sure where this debt came from. About 6 months after I closed my account with XXXX XXXX, I was sent a bill for {$210.00}. There was no information about what it was for. When I called XXXX XXXX, they said that they " thought '' it was a charge for the phone. I explained that I paid for my phone at the time of signing up with them. They said they weren't sure. I asked for proof of payments versus charges. That has been over two years ago, so I no longer have information about invoices, payments, etc. XXXX XXXX also will not provide that. This " debt '' has been sold several times to several different collection agencies. I am attaching proof of disputing this charge with a previous company in XXXX. I never heard back from this company before this " debt '' was sold again. Each time I have asked for proof of the charges versus payments made. It has never been provided. Most recently, a company - SOURCE RECEIVABLES XXXX - posted this debt on all three credit bureaus without contacting me or allowing me to dispute it. XXXX will not remove it nor will they provide proof that I owe this debt. I am still waiting to hear back from XXXX XXXX XXXX about the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is reporting inaccurate information regarding an account with XXXX XXXX XXXX. According to my credit file, the account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. Despite the closure, TransUnion continues to report monthly charge-off activity through XX/XX/XXXX. This is more than XXXX years after the account was closed, which is inconsistent and misleading. 

The payment history from XXXX through XXXX shows no data across multiple months, yet derogatory charge-off codes were later added. Additionally, TransUnion reports a high balance of {$1600.00} between XX/XX/XXXX and XX/XX/XXXX, even though the account has been closed since XX/XX/XXXX. It is not possible for balances or activity to occur years after closure. 

Remarks such as PRL< and CBG/> appear in the file. These codes are nonsensical to consumers and indicate either data corruption or unverifiable information. No valid contact number for the creditor is provided.

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