vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NM

Complaint narrative:
I HAD RECEIVED XXXX DOLLAR THROUGH CASH APP FROM MY BROTHER TODAY XXXX, HE TRIED THIS INITIAL TRANSFER FIRST BEFORE MOVING FORWARD TO SEND MORE MONEY WHICH CASH APP IS ANOTHER FINANCIAL PLATFORM ADVERTISES " CONVENIENTLY '' SENDING AND RECEIVING MONEY SUPPOSEDLY ALL IN XXXX SOLUTION FOR MODERN FINANCIAL NEEDS FROM " SIMPLE PEER TO PEER PAYMENTS ''. SO I RECEIVED THE TRANSFER OF XXXX DOLLAR. MY BROTHER CHECKED HIS ACCOUNT STATEMENT IMMEDIATELY AND ON HIS BANK STATMENT IT STATED THAT CASH APP WITHDREW {$290.00} FROM HIS ACCOUNT AND SENT TO ME ( MY NAME SHOWS ON HIS SATEMENT ) WHICH HE NEVER ENTERED THIS AMOUNT ON CASH APP TO SEND ME. THE XXXX DOLLAR THAT WAS SENT INITIALLY NEVER STATES ON HIS BANK STATEMENT. MY BROTHER SHARED THE SCREEN SHOT WITH ME FROM HIS PHONE. HE CALLED HIS BANK AND CASH APP AND REPORTED WHAT HAD HAPPENED BUT THEY BOTH REFUSED RESPONSIBILTY. THIS DEFINITELY IS FRAUD AND A SCAM. I NEVER RECEIVED THIS AMOUNT THROUGH CASH APP THAT STATES ON HIS STATEMENT. I AM REPORTING THIS SINCE MY NAME SHOWS ON THE {$290.00} " TRANSFER '' THAT NEVER HAPPENED. THE XXXX DOLLAR THAT WAS SENT FROM HIM THROUGH CASH APP WAS NEVER {$290.00}. I CALLED CASH APP MYSELF AND THEY VERIFIED WHO I WAS, I LET THEM KNOW THAT I REQUESTED TO FORMALLY DISPUTE THIS MATTER BUT THEIR STANDARD SUPPORT ALREADY DENIED RESPONSIBILTY, THE REP I TALKED TO COULD SEE THAT THE XXXX DOLLAR WAS TRANSFERRED BUT DENIES SEEING CASH APP WITHDRAWING MORE THAN WHAT IT STATES ON MY BROTHER 'S BANK ACCOUNT. I BELIEVE THIS IS A SCAM, OR INSIDE JOB WITHIN CASH APP AND SHOULD BE LOOKED INTO FURTHER. I DID I RE-VERIFY MY ACCOUNT AND NO TRANSFER WAS DONE FOR THE AMOUNT OF {$290.00}. I WILL ALSO REPORT THIS TO THE FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
I am filing this complaint because a company named XXXX XXXX began contacting me by phone/email regarding an alleged debt I have never been notified about. They have not provided any documentation to verify the debt. I have received : No written 809 FDCPA notice No itemized statement No bill of sale No chain of title No proof they legally own the debt No validation notice within 5 days of initial contact XXXX XXXX is a third-party debt collector who suddenly appeared and is trying to pressure me into confirming personal information without providing ANY proof of the validity or ownership of this alleged debt. 

They are attempting to make me verbally validate the debt over the phone/email, which is a direct violation of FDCPA. 

FDCPA Violations : 15 U.S.C. 1692g ( FDCPA 809 ) : They failed to provide the initial XXXX written validation notice within 5 days of first contact. 

15 U.S.C. 1692e : They use deceptive methods by contacting me repeatedly without documentation and trying to pressure me into confirming information.

15 U.S.C. 1692f : Attempting to collect a debt without having proof of ownership or proper documentation. 

State Law Concerns : I live in South Carolina, which has a XXXX statute of limitations on consumer debt. XXXX XXXX has provided XXXX documentation to verify : The date of first delinquency Whether the debt is time-barred Whether they have any legal right to collect in my state Credit Reporting Concerns : This account is NOT appearing on any of my credit reports, which suggests they do not have the documentation or authority to furnish data to the bureaus. I am concerned that they may attempt to illegally report unverified or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: DC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FLORIDA HOME TRUST MORTGAGE
State: FL

Complaint narrative:
I have been in communication with the bank for over a month, but when I ask them how long my {$1300.00} USD will be held, they never give a clear answer. I am contacting you for a resolution and assistance in this matter, as I need the funds to purchase medication. 


Dear XXXX, I am writing to you regarding the withholding of funds from my account # XXXX. I request their immediate release, as you have not presented any legal basis for this action. Since no legal proceedings have been initiated nor a specific court order presented, I understand that you have no legal grounds to withhold my money and that my rights as the account holder have been violated. I request that you inform me of the exact reason for this withholding and proceed to unfreeze my account as soon as possible. 

I understand that any withholding of funds for more than XXXX  days must be supported by a legal cause, such as a court order or an ongoing legal process. To date, I have not been notified of any legal action against me, nor have I been informed that any legal basis has been presented for withholding my funds. I have also not been informed of the commission of any financial crime on my part. 

Therefore, I have the right to refuse the arbitrary withholding of my money and demand the immediate release of the withheld funds. I would appreciate it if you could inform me of the exact reason for this hold and proceed to unblock my funds as soon as possible. 

I would also like to add that I have always been in communication whenever a response has been requested and have always been attentive to your inquiries, but once again I need to access my funds that you have arbitrarily blocked. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 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: MD

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 
THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS. 
FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 
THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-11-18 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: TX

Complaint narrative:
I am submitting this complaint with complete certainty and extreme frustration. There are multiple errors on my credit report that I can no longer overlook, as they are not reporting with the maximum possible accuracy. These accounts do not appear to belong to me, and their presence has been negatively affecting my life and credit score, making it difficult for me to achieve financial stability and peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My identity was stolen on XX/XX/XXXX. I contacted all my credit card companies and bank to alert and resolve. All complaints were rectified in my favor since the entity called the merchant immediately. Wells Fargo Active Cash was contacted at the same time. I was told by fraud that it was obvious and they would take care of it. On my statement they immediately XX/XX/XXXX they deleted the charge of over {$2900.00}. Then on the same day reinstated the charge. They told me it would take XXXX days to work with the merchant ( like the other companies ) to alert the fraud. They did not via letter to me, that they didnt contact the merchant until XXXX of XXXX. By that time the money was gone. I have XXXX letters from Wells Fargo continuously denying my request. The person who STOLE my identity was representing himself as an XXXX technician. He was transferred me to a XXXX customer support person. ( not the number listed online ) I couldnt print from my IPHONE to my hp printer. Thats when I was transferred and the XXXX technician was not who he represented and asked me if he could access my computer. Its a common practice so I agreed. Well Fargo said I authorized the transaction. No other bank or credit card company denied, denied, denied me! They said I authorized XXXX transactions from XXXX that were pennies apart. I have file disputes and fraud numerous times. They will not relent. Why they didnt contact the merchant immediately and continue to say I authorized something that was stolen, is not correct. Why would XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, all agree that this was fraud, and Wells Fargo hold on to my money. They are living up to their bad PR. My next step is to XXXX XXXX CEO of merchant credit card services. I was told by TransUnion to bring it to you! I am not able to show the Wells Fargo statement as to where the deleted the fraud on my account on XX/XX/XXXX then reinstated the fraud on the very same day. 
Thank you 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 2025-11-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I am reporting a case of identity theft. A fraudulent XXXX XXXX account was opened in my name and later sent to Harris & Harris LTD for collections with a balance of {$410.00}. I did not open this account, authorize it, or receive any services from XXXX XXXX. The account was connected to an address where I have never lived or received mail. 

I discovered this issue when reviewing my credit report, which showed the collection account listed under my personal information. I contacted the credit bureaus and learned that the account was opened on or around XX/XX/year>. This activity was not done by me, and I have no connection to the address or the services. 

This is an unauthorized use of my personal information. I am requesting a police report to document the identity theft so I can provide it to XXXX XXXXXXXX XXXX Harris & Harris LTD, and the credit bureaus to have the fraudulent account removed from my credit file. 

I am willing to provide any additional information needed to support this report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: PA

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2025-11-18 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:
I am submitting this dispute to resolve discrepancies on my credit report. The following accounts need to be investigated and corrected immediately. 

Charged Off Accounts : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account XXXX : XXXX Date Open : XX/XX/XXXX Balance : {$16000.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$8000.00}

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 2025-11-18 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: MI

Complaint narrative:
I am writing to dispute the following items on my credit report. I request your investigation into the discrepancies, as outlined below. I have provided the details of the accounts in dispute, including charged-off accounts, inquiries, and late payments for each credit bureau XXXX 

Charged Off Accounts : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, {$0.00} XXXX XXXX  Inquiries : XXXX  XXXX, XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, Late Payments : 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

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 2025-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Servicer under contract with Federal Student Aid
State: AR

Complaint narrative:
US department of education opened on XX/XX/year> closed on XX/XX/year> {$4000.00}

Company response to consumer: Untimely response
Consumer complaint received 2025-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MO

Complaint narrative:
Hi- I have been with Nelnet for more than 26 months, moving over from XXXX  XXXX. Never had an issue previously. I've requested a future payment schedule from Nelnet multiple times and they refuse to issue one. I am on a graduated plan and was told I should have kept the information from when I originally set up the plan. So Nelnet knows the schedule, because they recently increased my minimum payments, but refuses to give me one. Unless I re-amortize my loans and pay additional interest. A literal scam..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: VA

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate or incomplete information that needs to be corrected. 

1. Charged Off Disputed There are no disputed charged-off accounts on my TransUnion report. 

2. Inquiries Disputed The following inquiry was made without my consent and should be removed : XXXX, Date Open : XX/XX/year> XXXX. Positive Accounts There are no issues with positive accounts at this time. 

4. Late Payment Disputed There are no disputed late payments for TransUnion.

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 2025-11-18 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: VA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-18 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: FL

Complaint narrative:
I am filing this complaint because Experian is still reporting several inaccurate items even after my dispute. My report shows the wrong addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, neither of which I have ever lived at. Experian is also reporting false late payments on the XXXX XXXX XXXX account ( XXXX ) opened on XX/XX/XXXX XXXX XXXX and the XXXX  account ( XXXX XXXX XXXX XXXX XXXX  ) opened on XX/XX/XXXX with a balance of {$140.00} XXXX XXXX, even though I have never made a late payment on either account. There are collection accounts I do not recognize, such as XXXX XXXX ( XXXX ) opened on XX/XX/XXXX for {$3300.00} XXXX XXXX and XXXX ( XXXX ) opened on XX/XX/XXXX for {$440.00} XXXX XXXX, as well as a charge-off I have no knowledge of, XXXX  XXXX ( XXXX ) opened on XX/XX/XXXX * *. Experian is also reporting unauthorized inquiries from XXXX XXXX XXXX XXXX, and XXXX XXXX  XXXX XXXX XXXX XXXX dated XX/XX/XXXX. This dispute came directly from me, and Experian must stop delaying and address these errors immediately. I expect these inaccurate items to be corrected or removed within four days and require written confirmation once the fixes are completed. If Experian continues to ignore or mishandle this matter, I am prepared to pursue all legal protections available to me under the FCRA.

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have been a member since XXXX of XXXX  almost XXXX and XXXX years and my account is getting closed I spoke to people at the branch and showed them the letter TD Bank sent me and asked them if they can appeal it or a reconsideration if they can submit that to the back office team and they refused. I did nothing wrong I even upgraded my account to the TD Beyond checking and now my account is going to be closed nobody can tell me why and any department I speak to nobody is willing to do anything nobody cares to forward it to the back office team the way they should have as I have done nothing wrong I even upgraded to a TD beyond checking member so I can withdraw money from XXXX Bank as they dispose {$100.00} bills I upgraded my account so I can get those fees waived to prevent myself from jumping to the competition as I have no desire to bank with anybody other than TD bank. so I want my account to remain open because I did absolutely nothing wrong and none of your agents are helpful across any department even spoke to the leadership team and send them a document of the letter never Heard back from them after that. I want my account to remain open and not get closed on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation