vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Probate Advance Holdco, LLC
State: FL

Complaint narrative:
On XX/XX/year>, Probate Advance LLC authorized a probate advance loan using my identity without my knowledge or consent. I never initiated this request, nor did I receive any benefit from the loan. It appears that another individual fraudulently used my personal information to obtain this advance. 

I have documentation from Probate Advance LLC showing the transaction details, including the destination of the funds. A total of \ {$19000.00} was repaid to Probate Advance LLC directly from my fathers estatefunds that were intended to be distributed to me as a beneficiary. 

When I contacted Probate Advance LLC to inquire how they could disburse such a substantial amount of money without properly verifying the borrowers identity, the company refused to take responsibility for their actions. 

I possess supporting evidence, including : Emails exchanged with Probate Advance LLC regarding this matter, A copy of the loan document prepared by Probate Advance LLC, A copy of the final disbursement statement from the estate showing that {$19000.00} was paid to Probate Advance LLC. I was not the owner of the bank account to which the funds were sent to.

The loan contract is in my name but contains an incorrect address, and the associated bank account is located at XXXXXXXX XXXX XXXX XXXX XXXXXXXX bank account I have no connection to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
Subject : Request to Reopen Dispute Fraudulent Charge by Best Buy ( Order # XXXX ) Dear Sir or Madam, I am writing to formally request that XXXX XXXX reopen a dispute regarding a charge made to my credit card in XX/XX/year>, related to a transaction with Best Buy that I neither completed nor received the goods for. 

Transaction Details : Merchant : Best Buy Order Number : XXXX Order Date : XX/XX/year> Charged Amount : Approximately {$1600.00} Card Type : XXXX XXXX Credit Card After placing the order online, I received a message from Best Buy stating that my payment had failed and the order was canceled. Based on this, I assumed no transaction had gone through. However, upon reviewing my credit card statement later, I noticed the charge had been posted to my account. 

I immediately contacted both Best Buy and XXXX XXXX. ( Forwarded the cancellation email to XXXX XXXX dispute department email address ) At the time, XXXX XXXX opened a dispute and temporarily refunded the amount. Best Buy was unable to provide any proof of delivery that includes a signature or confirmation from me. The only document presented was a generic shipping record, which does not demonstrate that I ever received or signed for the items. 

Despite this, several months later, XXXX XXXX re-applied the charge to my account, based solely on the incomplete shipping record. As of today, this unresolved and unauthorized charge, with accumulated interest and fees, has grown to over {$1900.00}. I strongly contest the validity of this charge. 

I Never : Received the goods Signed for any delivery Authorized any further charge after the order was canceled I respectfully request that this dispute be reopened and thoroughly investigated, especially given that Best Buy acknowledged at the time that my payment failed and the order was canceled. If necessary, I can provide : A copy of the Best Buy cancellation notice Screenshots of the original order Credit card statements The incomplete shipping information Best Buy provided Timeline of my prior communication with both parties Please let me know how to proceed and whether any further documentation is required from my end. I trust XXXX XXXX will take this matter seriously and act in accordance with consumer protection regulations and the Fair Credit Billing Act ( FCBA ). 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Ca 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 2025-07-18 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$960.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$570.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
I operate a legitimate small business and use Cash App to accept payments from clients. Recently, my account was suddenly restricted and falsely labeled as engaging in gambling-related activity. This is completely inaccurate. I have never used Cash App for gambling of any kind nor have I violated their TOS. Cash App has not provided any detailed explanation or evidence, and their customer support has only responded with vague, scripted messages. 

This false accusation is severely harming my business, as clients are now unable or unwilling to pay me through Cash App. I have requested a formal review and offered to provide documentation, but Cash App has not responded appropriately. I am requesting the CFPBs assistance in compelling Cash App to investigate and reverse this false violation so I can continue using the service for legitimate business transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
hese inquiries are not familiar to me and appear to be unauthorized. Please take immediate steps to address this matter. Additional clarification is included in the attached documents.

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 2025-07-18 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: TX

Complaint narrative:
Second Cfpb Complaint. 
I previously filed a dispute with Experian regarding a Paid Repossession account from XXXX XXXX XXXX and several unauthorized hard inquiries. Despite submitting valid documentation and requesting removal, Experian responded without providing any proof of verification or justification for keeping the negative entries. 

They claim the information was verified by the furnisher, but no supporting documents were shared with me, and my evidence was not properly reviewed. This response lacks transparency and does not comply with the Fair Credit Reporting Act ( FCRA ) standards for a reasonable investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rodenburg LLP
State: MN

Complaint narrative:
I have been attached by Rodenburg Law Firm now repeatedly and they are impossible to talk to. I do not even know what the original debt is for nor was I aware of any court case involving this debt. I am on public assistance and recently lost my home in foreclosure and they continue to harass me and send garnishments to my employer and embarrassing me and causing me to not get any promotions at work due to this harassment. When these companies due this to people who are struggling they are forced to make a choice of making a car payment or even eating. the damage they do is irreversible to people and have no means to get back on there feet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
Hello, Im reaching out because Ive discovered multiple suspicious and unauthorized credit inquiries on my report from companies I have never dealt with. I did not apply for credit with any of them, nor did I grant permission for these inquiries to be made. As someone who takes financial security seriously, its extremely concerning to see these inquiries, especially given the risks to the security of my personal information, it is really unsettling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable. 

These following accounts are reporting inaccurate information on my credit report and need to be deleted. 

In accordance with the Fair Credit Reporting Act and related federal laws, please delete and remove the accounts listed in the attachments. These accounts were reported without a permissible purpose, contain outdated or inaccurate information, or violate my privacy rights. I also request written confirmation once these accounts have been removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: SC

Complaint narrative:
The former school loan servicer named XXXX XXXX  '' reported in my credit reports in XXXX XXXX XXXX credit bureaus inaccurate information. I have disputed several times providing ample proof to the bureaus, and they have ignored my removal requests. Here is the information reported in the credit reports that it is inaccurate. 

XXXX reported XX/XX/XXXX in XXXX  90 days late payment. However, in XXXX XXXX XXXXXX/XX/XXXX was reported 120 days late payment, XX/XX/XXXX was reported in XXXX  120 days late payment. However, in XXXX XXXX  XX/XX/XXXX was reported 150 days late payment. XX/XX/XXXX reported in XXXX  120 days late payment. However, in XXXX XX/XX/XXXX reported 180 days late payment. From XX/XX/XXXX to XX/XX/XXXXXXXX XXXX reported 120 days late payment. However, XXXX from XX/XX/XXXX to XX/XX/XXXX reported 180 days late payment. The numbers of inaccuracies are excessive. This is a colossal violation of the Fair Credit Act and needs to be removed. Pursuant to FCRA 623 it is prohibited reporting information with actual knowledge of errors. FCRA Section 623 ( a ) ( 1 ) ( C ) Under this section it is prohibited under any circumstances to report information in the credit bureaus that the consumer has told you is inaccurate if it is, in fact, inaccurate. XXXX and XXXX have violated the Federal Laws and continue to do so as these errors are still in my credit reports. I have even mentioned to them XXXXXXXX XXXX XXXX in which the XXXX Congressional opinion was that the burden of proof is on Credit Bureaus, Creditors and CollectorXXXX. However, they continue to ignore my factual disputes, the proofs provided and respond by saying that their investigation is accurate when in fact it is not. In addition, the company XXXX XXXXXXXX was already sued last year and a huge judgment entered for misapplying payments to accounts and reporting erroneous late payments to consumer accounts in the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: World Acceptance Corporation
State: MS

Complaint narrative:
Its my credit report and I dont owe this company at all never did business with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : 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 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: HI

Complaint narrative:
Was contacted by Halsted Financial about a alleged debt, and wasn't given an option to dispute. I also had to look up and see they are not licensed to collect in my state ( Hawaii ) and XXXX XXXX XXXX of the Hawaii Revised Statutes ) they have to be registered with Hawaii Department of Commerce and Consumer Affairs ( DCCA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
I am writing to formally dispute fraudulent activity on my credit report as a victim of identity theft, as protected under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ). The following accounts or transactions were opened or reported without my authorization and must be removed immediately : Fraudulent Account ( s ) /Transection : XXXX XXXX XXXX - ACCT # XXXX XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX Unauthorized/ Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681c-2, I am requesting that these fraudulent accounts be permanently blocked from my credit report. Additionally, under 15 U.S.C. 1681i, I request an immediate investigation into this matter. I have attached a copy of my Identity Theft Report, as required under the FACTA, along with copies of my government-issued ID and proof of address. 


Furthermore, under 15 U.S.C. 1681s-2, any creditor or data furnisher reporting these fraudulent accounts must be notified that they are the result of identity theft and that they must cease all collection efforts. If this request is not addressed within 30 days, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue my rights under federal law. 

Please send me written confirmation once the fraudulent information has been removed. You may contact me if further information is required. 


Thank you for your prompt attention to this serious 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 non-monetary relief
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> To Whom It May Concern, RE : Request to Remove XXXX Account from Credit Report Creditor : XXXX Account Number : ( insert last XXXX digits if available ) Dear XXXX, I'm writing to formally request that you remove the XXXX account listed on my credit report, as I personally chose to close this account on my own it was not delinquent, charged off, or sent to collections. 

I responsibly closed the account and feel its unfair that its still reflecting negatively on my credit. Since there was no default, Im asking that you delete this account entirely from my credit reports with Experian, Equifax, and TransUnion.

Im working hard to maintain and rebuild my credit, and Id appreciate your help in making sure this account isnt hurting me unfairly. 

Please send confirmation once the account has been removed. Thank you for your time and understanding. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> To Whom It May Concern, RE : Request to Remove XXXX Account from Credit Report Creditor : XXXX Account Number : ( insert last XXXX digits if available ) Dear XXXX, I'm writing to formally request that you remove the XXXX account listed on my credit report, as I personally chose to close this account on my own it was not delinquent, charged off, or sent to collections. 

I responsibly closed the account and feel its unfair that its still reflecting negatively on my credit. Since there was no default, Im asking that you delete this account entirely from my credit reports with Experian, Equifax, and TransUnion.

Im working hard to maintain and rebuild my credit, and Id appreciate your help in making sure this account isnt hurting me unfairly. 

Please send confirmation once the account has been removed. Thank you for your time and understanding. 

Sincerely, 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 non-monetary relief