vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
Experian has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of the information I disputed on my credit report. As a result, inaccurate or unverified accounts remain unresolved. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian for systemic failures, including not forwarding consumer-provided evidence to furnishers, accepting unreliable responses, and failing to properly notify consumers of dispute results. My experience reflects these same issues. Despite the evidence I submitted, Experian has neither corrected nor removed the disputed items, causing ongoing harm to my credit profile.

I am requesting immediate corrective action to remove or update the disputed account, as Experians inaction violates federal law and infringes on my rights as a consumer. 

Account : XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Amount : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: SC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MI

Complaint narrative:
Thursday we purchased a {$500.00} Vanilla Visa E-Gift card to use for XXXX gifts as we did not want to use our bank card online. We have had our debit card info compromised before so we thought this was easiest and smartest way. The card is completely unusable. It let us use for {$25.00} on XXXX XXXX time and after that, literally can not even use it on XXXX again. It wont add to XXXX or XXXX wallet either to use in store. The card is an e-gift card so there is no way to try and process it in store at merchants. I have asked for my money back as {$500.00} is a lot of money! I have been met with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed and account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report complaint on the following dates ( XX/XX/year> ). XXXX now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed and account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report complaint on the following dates ( XX/XX/year> ). XXXX now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CO

Complaint narrative:
The removal of disputed accounts is required to occur within lawful deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: VA

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
A lady name XXXX XXXX from California texted me about a year ago and started to show me the benefits of investing in XXXX Initially I was very skeptical however she introduced me to an overseas platform for XXXX called XXXX. She helped me to open an account in this platform which yet it exists. what was really fooled my judgment, that she transferred her own presumed funds to my account and pushing me to wire money to this account to buy crypto. 
We started from XXXX and then it went up to XXXX XXXX  after buying and selling different crypto in that platform. XXXX shared with me her passport image and the driver license which lowered my suspicion of her being a scam. 

Then she asked me to buy a coin name XXXX in that platform with all of the money I had in my account .. here it was a pivot point that everything went shady and south. 

For selling the coin the platform asked for verification money about XXXX XXXX and then every-time I attempted to withdraw money tge platform requested for more funds with different excuses .. XXXX times account needed verification XXXX time was penalty XXXX time is low score Every time she I mean Grace XXXX transferred XXXX XXXX requested money and then disappeared and then showed up again when the platform asking for more money I believe she is working with this platform XXXX and she XXXX making lots of money from fabrication of info I never met her I talked to her XXXX times in total less than XXXX minutes Last month an Attorney named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX me, claimed that he found my informtion and he wants to help me to retreive my money! 
As I am desperate, i submitted all of the info of the wire transfer to the XXXX account to him, then he stated that he found part of my funds in XXXX. 
Then he introduced me to a person named XXXXXXXX XXXX XXXX XXXXXXXX, and he asked me to submit XXXX XXXX License and also XXXX to process my funds and the I can withdraw them. XXXX XXXX XXXXe XXXX to an account called XXXX XXXX XXXX. XXXX After XXXX days i was authorized to withdraw the funds, XXXX in the process i made a technical XXXX and my funds from XXXX increased to XXXX I was told i need to wire XXXX to a person called XXXX XXXX in XXXX XXXX I did that on XX/XX/XXXX. 
Finally I wired the funds via the Pepperstones platform to my accound in chase on XX/XX/year>, however the XXXX XXXX contacted me then i was participating in fraud and now the XXXX XXXX XXXX is investigating my activities and I XXXX be in subject to pay XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: TX

Complaint narrative:
The companys cancellation policy is extremely difficult and contradictory. The company requires me to have a XXXX balance yet when I try to do so they claim I have to have a minimum of XXXX $ in my bank account. Not only that, they have a long confusing prompt to get through before I can even make the withdrawal. Do not bank with Albert it is a scam!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: AR

Complaint narrative:
I disputed this account with all three credit bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and no response or verification of the debt has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: AR

Complaint narrative:
I disputed this account with all three credit bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and no response or verification of the debt has been provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
The law determines when disputed accounts must be eliminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion, Experian, and Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: NY

Complaint narrative:
Hi, My credit report showed a collection account from Meridian Financial Services of {$9900.00} opened on XX/XX/XXXX. On XX/XX/XXXX, I sent a debt validation letter to company through certified mail. On XX/XX/XXXX, I spoke with XXXX from MFS, who stated where the debt came from but that the company received my account on XX/XX/XXXX. However, I have an email from the original creditor stating my account was sent to Meridian Financial Services on XX/XX/XXXX with a past due or {$690.00}. 

There is a discrepancy between the amounts. As of XX/XX/XXXX, the company has only sent a letter dated XX/XX/XXXX stating they are authorized to collect on behalf of original creditor for {$9900.00}. There was no itemized list to detail proof of when original creditor sent account, unauthorized fees, interests. And now, the amount is {$10000.00} now due. 

I demand this be investigated to correct the inaccurate reporting, I have an email from the original creditor canceled my membership and sent my account to Meridian Financial Services on XX/XX/XXXX. 

Meridian Financial Services has not contacted me from XX/XX/XXXX - XX/XX/XXXX. I have asked for their company to cease their debt collection tactics until they can provide a detailed statement of the cost, but they have not. 

There is another letter sent through certified mail, I demand this be reported from my credit report on TransUnion and Experian. Also, I am asking CFPB to assist. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
Disputed account removal is bound by the time limits established by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: VA

Complaint narrative:
I have been a Cash App customer since XXXX with normal personal use. On XX/XX/XXXX, my account was suddenly restricted immediately after verifying my identity to access the Borrow feature, which is offered within the app. Prior to this, my account had no issues or violations. 

After the restriction, my account was permanently closed with the explanation that it violated the Terms of XXXX. When I requested specific details regarding what activity triggered the violation, Cash App repeatedly provided generic template responses without identifying the basis for the closure or providing documentation. I requested clarification multiple times through in-app support and via email but did not receive a clear answer. 

I am not disputing a transaction or fraud ; I am disputing the unexplained closure of my account following identity verification and the refusal to provide the reason for the closure. Cash App is unable or unwilling to state what action or transaction triggered the violation, which prevents me from understanding, disputing, or preventing future issues with financial institutions. 

I am requesting ( XXXX ) disclosure of the specific reason and internal basis for the account closure, and ( XXXX ) documentation supporting the decision, including which department initiated the restriction.

Company response to consumer: Closed with explanation