vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint and Request for Debt Validation Jefferson Capital Systems To Whom It May Concern, I am submitting this complaint to the Consumer Financial Protection Bureau regarding an alleged debt being reported by Jefferson Capital Systems. I dispute the validity of this debt and request that it be properly validated in compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and other applicable laws. 

Jefferson Capital Systems has furnished information to the credit reporting agencies that I owe a debt. I am exercising my legal rights under federal law to request validation and proof of this alleged debt. Until such validation is provided, this account must be marked as in dispute. 

Specifically, I am requesting that Jefferson Capital Systems provide the following : 1. The name and address of the original creditor.

2. A complete accounting of the alleged debt, including how the amount was calculated.

3. A copy of any signed agreement or contract bearing my signature, establishing my legal obligation to pay.

4. Documentation that Jefferson Capital Systems has the legal authority to collect this debt.

5. Verification that the statute of limitations for collection on this account has not expired. 

I am concerned that Jefferson Capital Systems may be reporting inaccurate, incomplete, or unverifiable information in violation of 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ). Reporting unverifiable information is harmful, misleading, and constitutes an unfair practice. 

Therefore, I respectfully request that the CFPB investigate this matter to ensure that Jefferson Capital Systems complies with the FDCPA and FCRA. If Jefferson Capital Systems can not provide full and proper validation, I demand that this alleged debt be deleted from all credit reporting agencies and collection efforts cease immediately. 

Please confirm receipt of this complaint and advise me of the next steps. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: GA

Complaint narrative:
I was monitoring my credit file and noticed fraudulent accounts on my credit file, I contacted these companies and they were unable to validate any of these accounts bearing my signature ; XXXX XXXX XXXX XXXX REPORTING THAT I OWE {$510.00} XXXX XXXX XXXX-REPORTING THAT I OWE {$2500.00} XXXX XXXX XXXX XXXX REPORTING THAT I OWE {$1100.00} XXXX XXXX XXXX- REPORTING THAT I OWE {$370.00} XXXX XXXX XXXX- REPORTING THAT I OWE {$830.00} AND {$850.00}

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 2025-09-14 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: FL

Complaint narrative:
When I reviewed my Equifax credit report, I found that it contains inaccurate personal information that does not belong to me. Specifically, Equifax is reporting : An incorrect name variation : XXXX XXXX XXXX instead of my correct legal name, XXXX XXXX XXXX. 

Outdated and inaccurate addresses : XXXX XXXX XXXX Apt XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX, even though my correct and current address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

These inaccuracies create a risk of misidentification and directly affect my ability to obtain credit, secure housing, and pass identity verification checks. I have already provided Equifax with supporting documentation ( government-issued ID, utility bill, bank statement, and phone bill ) to verify my correct personal information, but they continue to report the wrong data.

This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to maintain only accurate and verifiable information, conduct a reinvestigation within 30 days, and delete any information that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: NV

Complaint narrative:
On XXXX XXXX I contacted Cashapp because my account was frozen. They told me it would be XXXX business days to escalate and respond. I have since contacted 2 additional times and their customer service has no timeframe as to when I will be contacted for resolution. They indicated I need to wait until I am contacted by email most recently XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/year>, I used my PayPal Debit Card through XXXX XXXX to send {$110.00} to XXXXXXXX XXXX XXXX XXXX XXXX  for a service that was never provided. The seller delayed me with repeated hold on messages, then blocked me completely. 

I filed a dispute with PayPal on XX/XX/year> ( Case ID : XXXX, Transaction ID XXXX XXXX ). PayPal closed my case and denied my claim, stating the transaction was authorized and not covered under Purchase Protection.

This was a fraudulent scam / non-delivery of services. Under the Electronic Fund Transfer Act ( Regulation E, 12 C.F.R. 1005.11 ), prepaid/debit card issuers are required to investigate and resolve errors, including fraudulent or unauthorized transfers. PayPal failed to properly investigate and instead dismissed my dispute.

I am requesting that the CFPB require PayPal to reopen my
case, conduct a proper investigation under Regulation E, and issue a refund for the disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a Citi XXXX XXXX Card Account number ending in : XXXX in XX/XX/XXXX. 
I initiated a Balance Transfer-Offer 4 ( 0.000 % ) for 2 card balances. 
These balances were posted by Citibank on XX/XX/XXXX : 1. XX/XX/XXXX XX/XX/XXXX BAL XFR. XXXX XXXX - ALL PRODUCT {$600.00} XXXX. XX/XX/XXXX XX/XX/XXXX BAL XFR. XXXX XXXX XXXX XXXX {$2300.00} XXXX : I contacted Citibank via Chat about this issue. It was then 4 business days after Citi posted the 2 amounts on XXXX. XXXX ( Citi bank rep ) did not see a record of any payments made from Citibank to XXXX XXXX nor XXXX XXXX XXXX. I requested that they open an investigation. I have not heard back from Citibank. 

As of XXXX, neither XXXX XXXX nor XXXX XXXX XXXX currently show any payments from Citibank for their balance transfer amounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: O&L LAW GROUP, P.L.
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX XXXX XXXX, I recently received a notice from XXXX XXXX XXXX dated XX/XX/year>, regarding a garnishment in the amount of {$4200.00} ( Case No. XXXX, XXXX XXXX. XXXX ). 

This correspondence from XXXX XXXX XXXXXXXX is the first notice I have received concerning this matter. I have not received any prior communication from your office or any creditor about this alleged debt. At this time, I have no knowledge of who the creditor is or what this debt pertains to. 

Accordingly, I am requesting the following information : 1. The identity of the original creditor.

2. A copy of the judgment or court order authorizing this garnishment.

3. Documentation that verifies the amount claimed and the basis of the debt.

4. Any correspondence that was previously sent to me regarding this matter.

I respectfully request that you provide these details so that I may properly review and address this issue. 

Thank you for your prompt attention to this matter. I look forward to your reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
b'THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Complaint Against Equifax Refusal to Provide Credit Report Equifax has refused to allow me access to my credit report, even after I provided proof of my identity multiple times. 

I have contacted Equifax by both phone and mail. 

Despite providing valid identification documents, they still refuse to update my profile so that I can access my credit file. 

Because of this, I have been denied for several mortgages and loans, which has caused financial hardship and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: KY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I am filing this complaint regarding Current Banks mishandling of my dispute claim. 

Summary of the Issue On XX/XX/year>, a duplicate Current Pay peer-to-peer transaction for {$400.00} posted to my account. I did not authorize this duplicate charge. I disputed the transaction multiple times with Current, beginning XX/XX/year>, and again on XX/XX/year>. Despite providing transaction details, I have been repeatedly denied or ignored. Current misclassified my claim as a paycheck advance transaction, which it was not. 

XXXX of Interactions XX/XX/year> : I filed a dispute for the duplicate {$400.00} Current Pay transaction. The dispute was denied, with the bank incorrectly labeling it as a cash advance. 
XX/XX/year> : Current emailed me documentation denying the claim, referencing the wrong transaction type ( goods and services / cash advance ). No mention was made of device/IP data or duplicate transactions. 
XX/XX/year> : I re-filed the dispute for the same {$400.00} duplicate charge. I was told the case was in progress and to expect an update within XXXX business days. 
XXXX XXXX XXXX  : I followed up through multiple chats with agents ( XXXX the virtual assistant, XXXX, XXXX, and XXXX the supervisor ). I repeatedly asked for status updates, provisional credit, and correction of the misclassification. I was told to wait, then later told the case was already closed. 
During these conversations, I was given inconsistent information : first that the dispute was pending, then that it was already denied back in XXXX, and then that the only option was to appeal with new evidence.

Banks Handling Current failed to provide timely written updates or clear communication about the status of my dispute. 
I was denied provisional credit despite Regulation E requiring it if an investigation extends beyond 10 business days. 
The dispute was misclassified, and the bank ignored my clarifications that this was a duplicate peer-to-peer transaction, not a cash advance. 
Supervisors acknowledged the duplicate transaction but still refused to correct the initial error. 


Impact I have been deprived of {$400.00} since XX/XX/year>. 
I have spent hours in repeated chats without resolution. 
The banks refusal to properly investigate and their misclassification shows negligence and bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: MI

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: FL

Complaint narrative:
I am a victim of identity theft, and I am disputing the account being reported by XXXX XXXX XXXX XXXXXXXX, XXXX. ( Account ending * XXXX ). This account is reported as opened in XX/XX/XXXX with a balance of {$9000.00} and a first delinquency listed in XX/XX/XXXX. The account is currently showing as a charge-off, with the last payment activity in XX/XX/XXXX. 
I did not open this account, authorize its use, or consent to any charges associated with it. This account was created fraudulently and is the result of identity theft. I have no responsibility for this debt, and it does not belong to me. 
I am requesting that this account be fully investigated and permanently removed from my credit reports in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c and 1681i ). I also request that I not be held responsible for any balance, fees, or collection actions related to this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: DE

Complaint narrative:
Rebuttal and Request to Reopen Dispute Unauthorized Charge from XXXX ( {$220.00} on XX/XX/year> ) To Whom It May Concern, I am writing to formally request a reconsideration and reopening of my previously denied dispute regarding an unauthorized transaction from XXXX XXXX XXXX XXXX for {$220.00} on XX/XX/year> at XXXX XXXX  PDT. Chimes dispute closure referenced a review of internal data such as login history, device data, and call records. However, I would like to assert once again that this transaction was not authorized by me and was conducted without my knowledge or consent. I have been in direct contact with XXXX support team and received confirmation that : The account associated with the transaction is tied to a different identity than mine. The email address, name, and ID used on the account do not match mine in any way. There are no records linking my personal information ( name, SSN, email, etc. ) to the account that made this purchase. I am willing to provide written confirmation from XXXX if necessary. This clearly proves the transaction was made by someone else and not tied to my identity or consent. Given this new and material information, I respectfully request that Chime reopen the dispute and conduct a deeper review, taking into consideration : The misattribution of the transaction, The identity mismatch reported by the merchant, and My clear, continued claim that I did not authorize or benefit from this transaction. Please let me know if you need additional documentation or confirmation from XXXX. I am also happy to file a police report or identity theft affidavit if that would help substantiate my claim. Thank you for your time and reconsideration. Sincerely, XXXX XXXX XXXX XXXX Chime Account Ending In : XXXX Chime stated they would reopen it in XX/XX/year> and I have yet to get documents have charge removed or anything done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: MI

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Riverwalk Financial Corporation
State: WA

Complaint narrative:
I am submitting this complaint regarding unfair and improper debt collection and wage garnishment practices relating to an automobile loan. 

In XXXX, I traded in my old car and was sold a new vehicle. I quickly realized I could not afford the payments, so I voluntarily returned the car. 

Several years later, in XXXX, the creditor attempted to garnish my wages. I filed paperwork with the court at that time, and I did not hear anything further. 

On XX/XX/XXXX, I was unexpectedly served with a wage garnishment order at my workplace. The paperwork was signed XX/XX/XXXX, but appeared to have been stamped over a XXXX date. This created confusion and did not allow me the full legal time to respond. 

The court handling the matter is over 13 miles away, and because of my low income and work hours, I could not reasonably appear on such short notice. 

I was not aware that any active debt still existed, as judgments are no longer reported on credit reports. 

The underlying auto loan debt is more than 10 years old, which is well beyond XXXX six-year statute of limitations for written contracts ( XXXX XXXX ). Attempting to collect or garnish wages on this expired debt is unfair, misleading, and unlawful. 

The garnishment is causing me financial hardship. I am a low-income worker, my housing costs keep rising, and I can not afford to lose wages over an expired debt I have not owed for years. It is also embarrassing to be served with garnishment paperwork at my job.

Company response to consumer: Untimely response