vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Client Services, Inc.
State: CA

Complaint narrative:
Hello, I had received numerous phone calls and voicemails regarding a final notice or they will take legal actions. I had contacted the company and asked for the statue of limitation and they refused to provide it to me. I had requested that they stop calling me but they continue to call and leave threatening voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
A company named XXXX is reporting on my credit report Account # XXXX Balance : {$1200.00} and the account is not mine. 

I asked Experian, Equifax and Transunion to investigate. I also requested Tek-collect to validate this debt. I asked for the following information : In accordance with the FDCPA, please provide the following : 1. The name and address of the original creditor.

2. A detailed itemization of the alleged debt, including how the amount of {$1200.00} was calculated.

3. A copy of any judgment ( if applicable ).

4. A copy of the original signed contract or agreement, or other proof that I have a legal obligation to pay.

5. Verification that you are legally authorized to collect debts in my state.

Tek-collect has failed to comply. If they do not have the information how is Experian, Transunion and Equifax verifying this account??? They are failing to properly investigate. 

Attached is a copy of the letter ( XXXX ) and emails Ive sent to Tek Collect.

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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Send derogatory mark the bureau s without contacting me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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 have not supplied proof under the XXXX  of XXXX  by XXXX, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 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: NY

Complaint narrative:
I have not supplied proof under the XXXX  of XXXX  by XXXX, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
XX/XX/XXXX I received initial notice of debt owed in the amount of {$1600.00}. XX/XX/XXXX I wrote to dispute the debt. I never received any notification written or otherwise before they called the guarantor ( my dad ) on the debt offering a settlement of {$1100.00}. I called to confirm this amount was correct and that they received my disputes. They said the changing of the amount was due to the dispute and they closed the investigation without notifying myself or other parties involved. I expressed that I had not received any notification and opened a third dispute to the amount owed given the property previously upcharged over {$600.00} leading me to not trust the validity of the amount in its entirety. 

It is now XXXX and I have not received any notification or notices about any investigations from the company looking to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$750.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

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 2025-04-09 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: CL Holdings LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally request debt validation regarding a debt that has been reported to me byJeffersion Capital Systems, XXXX XXXX XXXX, XXXX XXXX Investment. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the alleged debt.

Please provide the following information regarding this debt : 1. Validation of the Debt : The name and address of the original creditor.

The date of the original debt and the amount owed.

A detailed explanation of how the amount was calculated.

Proof that this debt is within the statute of limitations for collection in my state.

2. Proof of Your Authority to Collect : Documentation that you are legally authorized to collect this debt.

A copy of the agreement that gives you the authority to collect on behalf of the creditor.

3. Verification of My Liability : Copies of any signed agreements, contracts, or documentation that establish my obligation to this debt.

A copy of any judgments obtained against me, if applicable. 




Until you provide the requested information, I am disputing the validity of this debt and requesting that you cease any collection activities, including reporting this debt to credit bureaus, in compliance with federal law. 

Please send all verification documents to my mailing address listed above. I expect a response within 30 days of receiving this request, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: Velocity Portfolio Group
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally request debt validation regarding a debt that has been reported to me byXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, CKS Prime Investment. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the alleged debt.

Please provide the following information regarding this debt : 1. Validation of the Debt : The name and address of the original creditor.

The date of the original debt and the amount owed.

A detailed explanation of how the amount was calculated.

Proof that this debt is within the statute of limitations for collection in my state.

2. Proof of Your Authority to Collect : Documentation that you are legally authorized to collect this debt.

A copy of the agreement that gives you the authority to collect on behalf of the creditor.

3. Verification of My Liability : Copies of any signed agreements, contracts, or documentation that establish my obligation to this debt. 

A copy of any judgments obtained against me, if applicable. 




Until you provide the requested information, I am disputing the validity of this debt and requesting that you cease any collection activities, including reporting this debt to credit bureaus, in compliance with federal law. 

Please send all verification documents to my mailing address listed above. I expect a response within 30 days of receiving this request, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX I am writing to formally address the issue regarding the fraudulent activity associated with my account. As previously communicated, I was a victim of identity theft, and I promptly notified your company about the fraudulent transactions. Under Texas law, specifically Section 392.202 of the Texas Finance Code, after seven years, negative information related to such fraud can no longer be reported on my credit history. 

I request that you remove any and all records of this fraudulent activity from my credit file as it has surpassed the statutory period for reporting. Failure to comply with this request will leave me no choice but to seek legal remedies for any ongoing violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  XXXX I am writing to formally address the issue regarding the fraudulent activity associated with my account. As previously communicated, I was a victim of identity theft, and I promptly notified your company about the fraudulent transactions. Under Texas law, specifically XXXX XXXX of the XXXX XXXX XXXX, after XXXX years, negative information related to such fraud can no longer be reported on my credit history. 

I request that you remove any and all records of this fraudulent activity from my credit file as it has surpassed the statutory period for reporting. Failure to comply with this request will leave me no choice but to seek legal remedies for any ongoing violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reached out to Experian several times disputing a fraud account on my credit report. I have tried to reach the company with no luck, I have submitted police report FTC report and affividiat of truth to the company as well. The company refuse to send me any information regarding this account. Self is reporting and is hurting my credit profile. I have sent VOD letter validate the debt with no answer or proof that the debt is mine. This is a fraud account and it is only reporting on my Experian which is against the FCRA laws stating my credit report must be 100 percent accurate. please investigate this matter on my behalf.

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 2025-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used XXXX to send funds, and I was not warned that if my payment went to the wrong person, the funds would not be recoverable. There was no clear communication or verification process in place to ensure that the recipients information was accurate, and I was not made aware that once the money was sent, it could not be returned. This lack of warning or security has caused me concern, as I believe consumers should be better informed about the risks involved in using XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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 am disputing these accounts and inquiries because they are fraudulent and unauthorized. I did not open these accounts nor did I apply for any credit that would justify these hard inquiries. This is a clear case of identity theft. I demand that these items be investigated and permanently removed from my credit report immediately.

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 2025-04-09 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$980.00} XXXX/XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$140.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX - {$1800.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$3600.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$980.00} XXXX  - XXXX - XX/XX/XXXX - {$1400.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: Incomm Holdings Inc.
State: CT

Complaint narrative:
Merchant claims they cancelled the order because card was declined. Card company placed a hold on card XX/XX/XXXX and still has not released it and says it will take 10 days. Each time I have called I get another date that it will be released. As of today, XX/XX/XXXX it has not been released. The charge is {$470.00}. I have filed a complaint with the card company and still nothing. I have invoice numbers from merchant showing that order was cancelled. The company has done nothing but continually put me off to a different every time I have called. The card company is Vanilla pre paid debit Visa. Their telephone number listed on back of card is XXXX, which is where I have been calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tx XXXX 2. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent.

o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OR

Complaint narrative:
unauthroized XXXX  transaction in which XXXX  states they have protection against but when attempting to intact those protections non exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to formally raise serious concerns regarding multiple unauthorized and potentially fraudulent inquiries listed on my credit report. These inquiries were made without my knowledge or consent and are actively damaging my creditworthiness. 

This situation is not only deeply troubling but also raises legitimate fears of identity theft. The continued presence of these inquiries is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and is causing substantial XXXX and financial XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation