vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: AL

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 2025-05-05 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> Southwest Credit Systems , LP XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX RE : Debt Validation Request Alleged XXXX Account / unknown To Whom It XXXX Concern : I am writing in response to a recent text message I received from your company regarding an alleged XXXX account with a balance of {$210.00}, for which you have offered to settle for {$100.00} if paid by XX/XX/year>. 

First and foremost, I am currently an active XXXX customer and have been for over 15 years. I have never been informed by XXXX of any delinquent balance, nor have I received any notice of an account being sent to collections. My services have never been interrupted, and I continue to receive billing directly through XXXX without issue. This raises serious concerns about the accuracy and legitimacy of the alleged debt you are attempting to collect. 

Additionally, your only contact has been via text message, not in writing. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ), you are required to provide a written validation notice within five ( 5 ) days of first contact with a consumer. No such written notice has ever been received at my mailing address. This failure to comply with federal law constitutes a violation of the FDCPA.

Therefore, I formally dispute the validity of this debt and demand that you immediately provide full validation, including : The name and address of the original creditor.

A detailed breakdown of the amount claimed, including all fees, charges, and interest.

A complete payment history showing how the debt amount was calculated.

A copy of the original signed contract or agreement bearing my signature that shows I am legally obligated for this debt. 


Proof that you are authorized to collect on behalf of XXXX XXXX 


Any and all correspondence from XXXX regarding this alleged balance. 


Confirmation that this debt is not time-barred under applicable statutes of limitations. 


Until you provide the above information, I request that all collection efforts cease immediately, including any reporting to the credit bureaus, which would constitute further violations. 
This letter is not an admission of liability or a promise to pay. It is a request for full validation, as required by federal law. Any failure to provide proper documentation will be reported to the appropriate regulatory bodies. 
Please respond to this request in writing only, sent to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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:
This late payment on my account is inaccurate, given my consistent history of on-time payments. I request its removal and an update to my account to reflect the correct information..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint to dispute inaccurate information being reported by XXXX XXXX XXXX XXXX regarding a charged-off account. On XX/XX/year>, I attempted to settle this account by following XXXX  XXXX protocol for submitting a settlement offer. My offer was ignored, and no further communication was provided regarding the status of that settlement. 

Since then, XXXX XXXX has sold the alleged debt to a third-party debt collector. I have no contractual agreementverbal or in signed writingwith this third-party entity. Under the Fair Credit Reporting Act ( FCRA ), all information furnished to credit reporting agencies must be accurate, complete, and verifiable. 

I request that XXXX XXXX and/or the reporting agency provide documentation of a signed contract ( " wet ink '' signature ) between myself and the third-party debt collector to validate any continued reporting of this account. If such documentation can not be produced, I formally request that this account be removed from my credit report and that any further reporting of this debt be ceased.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint to dispute inaccurate information being reported by XXXX XXXX XXXX XXXX regarding a charged-off account. On XX/XX/year>, I attempted to settle this account by following XXXX XXXX protocol for submitting a settlement offer. My offer was ignored, and no further communication was provided regarding the status of that settlement. 

Since then, XXXX XXXX has sold the alleged debt to a third-party debt collector. I have no contractual agreementverbal or in signed writingwith this third-party entity. Under the Fair Credit Reporting Act ( FCRA ), all information furnished to credit reporting agencies must be accurate, complete, and verifiable. 

I request that XXXX XXXX and/or the reporting agency provide documentation of a signed contract ( " wet ink '' signature ) between myself and the third-party debt collector to validate any continued reporting of this account. If such documentation can not be produced, I formally request that this account be removed from my credit report and that any further reporting of this debt be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
I am not responsible for this debt, nor do I have a contract with XXXX XXXX Account # XXXX. Could you please request that they provide the original contract bearing my signature, along with the correct home address as shown in the uploaded documents, that clearly states that I have agreed to pay them or owe them any money. If they can not provide proof of original contract I demand correction to my credit report and the account to be deleted from my credit report. I also include the account with reliant where i owe then any money and the balance of that account being 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 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX, 2025, I deposited a check into my Chase account totaling {$190000.00}. Before signing over the check, I explicitly informed the banker processing the transaction that I intended to immediately access a portion of those funds to pay off debts and finalize the purchase of a property where I planned to live. She acknowledged this and even offered to connect me with a business banker to assist in opening a business account using those same funds. 

It was only after the deposit was finalized that I was informed I would not be able to access the funds for nine days, despite the fact that the issuing bank has confirmed that the check cleared as of XXXX XXXX, 2025. Chase has cited no specific justification or documentation for the hold, nor have they provided any copy of a policy that would authorize such a restriction on cleared funds. 

This deceptive practice allowing me to deposit under the pretense of immediate access and then placing a multi-day hold after the fact has severely impacted my ability to meet urgent financial obligations and proceed with a time-sensitive real estate transaction. I believe this constitutes not only an unethical business practice but potentially actionable fraud. 

I consider this an unauthorized deprivation of my funds. I have issued Chase a formal invoice treating this as an unauthorized loan, including penalties and interest under my declared policy as a forced creditor. I am seeking the immediate release of my funds, a full explanation and written documentation of the rationale for this hold, and a regulatory investigation into the legality of Chases practices in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
I am requesting the immediate removal of these fraudulent accounts from my credit report, as I did not authorize them and was unaware of their existence. In accordance with USC 1681g, please delete them within 15 days. Supporting documents are enclosed.

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 2025-05-05 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 did not open this XXXX XXXX account. XXXX {$1000.00} Negative unpaid balance reported late payments to my credit report. This account was not opened by me and was used by identity theft. I also contacted XXXX XXXX  myself about 7 months ago and they did their own investigation but refused to fix the error on my report. They also was not willing to share any information with me. I have had a police report filed about my personal information being used and I did notify them of that also.

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 2025-05-05 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: Chime Financial Inc
State: GA

Complaint narrative:
I did not open this XXXX XXXX account. XXXX {$1000.00} Negative unpaid balance reported late payments to my credit report. This account was not opened by me and was used by identity theft. I also contacted XXXX XXXX  myself about 7 months ago and they did their own investigation but refused to fix the error on my report. They also was not willing to share any information with me. I have had a police report filed about my personal information being used and I did notify them of that also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
XXXX had a data breach last year. I did have a single bill with XXXX ( XXXX number ) in the amount of {$1100.00}. I received a second bill in the amount of XXXX ( from a debt collector ) for a phone number that I NEVER had. I contacted the Collector to report that I never had the phone number that I am being accused of. The company stated that they will investigate. I need this to be removed, because that amount/phone number does not belong to me, nor have I ever had that number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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
Consumer complaint received 2025-05-05 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:
Dear Credit Bureau, I am writing regarding several negative accounts on my credit report. These accounts were opened as a result of identity theft and were not authorized by me.

I am requesting that the listed accounts be removed, as they are a direct result of fraudulent activity and not a mistake on my part.

To support my claim of identity theft, I am providing the following documents : A copy of my identification ( ID ) My Social Security Number ( SSN ) Proof of my current address FTC Report of identity theft Below is the list of accounts that need to be removed from my credit report XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> These accounts were opened without my knowledge or consent, and I kindly request that they be removed in accordance with the applicable laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: NC

Complaint narrative:
I am disappointed that my information have been compromised by identity theft. I am trying to buy a home for me and my family and this has put a serious hold on the process. By the FCRA, 15 USC 1681 G my information should be safe and secure and I see its not. My information has also been in a breach. This is a defemation of my character and causing emotional stress on me. Identity Theft is not far and the credit reporting agencies can be sued for having damages on my credit report. 
There are also some addresses and inquiries that I want to report that I see happened during the identity theft. Here are the addresses : etc Here are the inquiries.

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 2025-05-05 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: NC

Complaint narrative:
I am disappointed that my information have been compromised by identity theft. I am trying to buy a home for me and my family and this has put a serious hold on the process. By the FCRA, 15 USC 1681 G my information should be safe and secure and I see its not. My information has also been in a breach. This is a defemation of my character and causing emotional stress on me. Identity Theft is not far and the credit reporting agencies can be sued for having damages on my credit report. 
There are also some addresses and inquiries that I want to report that I see happened during the identity theft. Here are the addresses : etc Here are the inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a dispute under the Fair Credit Reporting Act ( FCRA ) due to multiple inaccuracies and outdated public record information appearing on my credit report. The report contains negative entire, such as derogatory accounts and bankruptcies, that are either not mine, incorrect, or no longer verifiable under 611 of the FCRA.

Despite not receiving proper validation or notification from the reporting agencies or original creditors, these negative entries continue to impact my creditworthiness unfairly. I have requested investigations previously, but the results were insufficient, and some accounts remain listed with wrong statuses ( e.g., showing as delinquent or open when they are not ). These actions violate my rights under the FCRA, specifically regarding accuracy, proper dispute handling, and time limits for negative reporting ( e.g., bankruptcies reported past the allowable 10 years ).

This situation has harmed my ability to access financial opportunities, created unnecessary stress, and does not reflect my current financial behavior. I am exercising my right to dispute and demand fair treatment

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a dispute under the Fair Credit Reporting Act ( FCRA ) due to multiple inaccuracies and outdated public record information appearing on my credit report. The report contains negative entire, such as derogatory accounts and bankruptcies, that are either not mine, incorrect, or no longer verifiable under 611 of the FCRA.

Despite not receiving proper validation or notification from the reporting agencies or original creditors, these negative entries continue to impact my creditworthiness unfairly. I have requested investigations previously, but the results were insufficient, and some accounts remain listed with wrong statuses ( e.g., showing as delinquent or open when they are not ). These actions violate my rights under the FCRA, specifically regarding accuracy, proper dispute handling, and time limits for negative reporting ( e.g., bankruptcies reported past the allowable 10 years ). 
This situation has harmed my ability to access financial opportunities, created unnecessary stress, and does not reflect my current financial behavior. I am exercising my right to dispute and demand fair treatment

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a dispute under the Fair Credit Reporting Act ( FCRA ) due to multiple inaccuracies and outdated public record information appearing on my credit report. The report contains negative entire, such as derogatory accounts and bankruptcies, that are either not mine, incorrect, or no longer verifiable under 611 of the FCRA.

Despite not receiving proper validation or notification from the reporting agencies or original creditors, these negative entries continue to impact my creditworthiness unfairly. I have requested investigations previously, but the results were insufficient, and some accounts remain listed with wrong statuses ( e.g., showing as delinquent or open when they are not ). These actions violate my rights under the FCRA, specifically regarding accuracy, proper dispute handling, and time limits for negative reporting ( e.g., bankruptcies reported past the allowable 10 years ). 
This situation has harmed my ability to access financial opportunities, created unnecessary stress, and does not reflect my current financial behavior. I am exercising my right to dispute and demand fair treatment

Company response to consumer: Closed with explanation