vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I sent notification to XXXX financial to send me debt validation of this account because I believe the amount owed was incorrect. XXXX or who I believe to have been XXXX had been contacting me by text messaging and emails so I asked them to stop contacting me by those means and to send a a copy of the summary debt validation via U S Mail. A couple of days later I received notification from Resurgent capital services .. who sent me a copy of the very last statement owed on the account. Which was not what I asked for. If someone can please send me a copy of the summary of debt that is owed to my home address by U S Mail that I have a right to receive under the FAIR DEBT COLLECTION PROTECTION ACT, that would be so greatly appreciated. Please do not call my phone number or text me or email me, I would appreciate it if you would send the documents to my home address by U S Mail. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account is not mine this the fourth time i have attempted to rectify this situation it has been deleted and posted back on my file four different times i demand that i be deleted under the FCRA law 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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 2025-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against Cash App XXXX 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 2025-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Memorial Ct XXXX, GA XXXX XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Subject : Request to Block Fraudulent Items Under XXXXXXXX XXXX. XXXX ( Identity Theft ) To Whom It May Concern, I am writing to dispute and request the immediate blocking of fraudulent information on my credit report in accordance with my rights under the Fair Credit Reporting Act, specifically XXXX XXXX. XXXX. 

I am a victim of identity theft. The following accounts and inquiries appearing on my credit report were opened or initiated fraudulently and without my knowledge or consent : Fraudulent Credit Accounts : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$710.00} XXXX CRD SRVC Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$330.00} XXXX XXXX XXXX XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$0.00} XXXX XXXXXXXX XXXX XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$0.00} Capital One Discovered : XX/XX/XXXX Fraudulent Amount : {$0.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Capital one Pursuant to XXXX XXXX XXXX, I formally request that all of the above fraudulent accounts and inquiries be blocked from my credit report and not be reported to any third parties. Please confirm in writing that these items have been blocked and removed from my file. 

Thank you for your prompt attention to this matter. Please contact me at the information provided above if you need any additional documentation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Memorial Ct XXXX, GA XXXX XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Subject : Request to Block Fraudulent Items Under XXXX XXXX  XXXX ( Identity Theft ) To Whom It May Concern, I am writing to dispute and request the immediate blocking of fraudulent information on my credit report in accordance with my rights under the Fair Credit Reporting Act, specifically XXXX XXXX. XXXX. 

I am a victim of identity theft. The following accounts and inquiries appearing on my credit report were opened or initiated fraudulently and without my knowledge or consent : Fraudulent Credit Accounts : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$710.00} XXXX XXXX XXXX  Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$330.00} Navy Federal Credit Union Discovered : XX/XX/XXXX Fraudulent Amount : {$0.00} XXXX XXXXXXXX XXXX XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$0.00} XXXX XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$0.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Pursuant to XXXX XXXX XXXX, I formally request that all of the above fraudulent accounts and inquiries be blocked from my credit report and not be reported to any XXXX parties. Please confirm in writing that these items have been blocked and removed from my file. 

Thank you for your prompt attention to this matter. Please contact me at the information provided above if you need any additional documentation. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
Our loan was sold to Fay Servicing from XXXX XXXX XXXX. At the time our mortgage was sold to Fay Servicing, we had agreed to a Loan Modification with XXXX. Fay did not adhere to the terms of the Loan Modification agreed to with XXXX, although they initially stated that they would. We repeatedly called Fay- at times daily - demanding that they update the terms of our Loan as agreed to with XXXX, and Fay " supposedly '' - after a year - updated their payment terms with us, but now with significant outstanding fees and charges assessed, which made keeping current with our mortgage payments unattainable. We advised repeatedly that this was a violation of RESPA. Please note for your records, that many of the representatives from Fay advised us NOT to make our monthly payments so that Fay could recalculate our Loan monthly payments, which we felt was a rouse by Fay to accelerate the foreclosure process instead of being a part of updating our Loan Modification as they were indicating. Fay consistently added fees, charges etc. that significantly increased our outstanding loan balance, far and above the true, outstanding loan balance. A representative most recently advised that a " recovery fee '' was assessed to our outstanding balance, a fee in the thousands of dollar range, which the rep could not adequately explained what this fee was comprised of. Both my wife and myself have filed for bankruptcy protection to protect our home from Fay 's unlawful attempts to foreclose on our property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I filed my taxes with XXXX XXXX for year XXXX on XX/XX/XXXX. I was supposed to receive my refund of {$570.00} I never received it and it did not appear in my account. Every time i call Chime bank says to ask the IRS. The IRS has record of it being deposited on XX/XX/XXXX. I have asked the IRS to back track the refund because i never received it. I would like to know what happen to my refund with Chime bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX  document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-27 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: SC

Complaint narrative:
constantly check my credit report and notice that the errors and false misleading information for individuals accounts didnt quite meet the credit reporting standards of being 100 % accurate. This has damaged me and held me back from some time now. My life has been affected a lot from this false information, Im demanding CFPB to enforce the correction and or deletion of these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: IL

Complaint narrative:
I recently review a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these account from my report, they are hurting my ability to obtain credit.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Dear XXXX XXXX XXXX Representative, I am writing to formally dispute certain fraudulent accounts that have been inaccurately reported on my credit file as a result of identity theft. In accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ), I respectfully request the immediate blocking and removal of the following accounts from my credit reports : Chase Bank Account with a balance of approximately {$2100.00} XXXX XXXX Account with a balance of approximately {$1800.00} XXXX XXXX Account with a balance of approximately {$2100.00} In XX/XX/2024, I became a XXXX of identity theft, and these accounts were opened or manipulated without my authorization. I have attempted to resolve these matters directly with the creditors involved but have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX  document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
1. Belk store card issued by Synchrony Bank - Payment due on XXXX - {$220.00} 2. Payment was scheduled for XXXX using account XXXX. This was cancelled and changed on account on XXXX  by me. Email confirmation from Synchrony bank at XXXX XXXX is received stating that XXXX is removed. 
3. Payment was scheduled for XXXX using account XXXX and email confirmation was stating that 'Your payment is scheduled ', received at XXXXXXXX XXXX  from Synchrony Bank XXXX 
4. At XXXXXXXX XXXX same day email confirmation from synchrony bank that XXXX is added. 
5. Email Confirmation on Saturday -XXXX XXXX XXXX  stating " Your payment has processed '' is received.

6. Email on XXXXXX/XX/year> XXXXXXXX XXXX stating that 'Your payment is canceled ' ( from XXXX ) is received without any reason being assigned. I did NOT cancel that and the proof is that on XXXX ( next day ) email at point # 5 clearly states that payment has processed. 

Synchrony bank has deceptively and unfairly charged {$29.00} to my card and my explanation on phone was ignored and the supervisor XXXX was not even willing to acknowledge the events chronologicall and disowned and dismissed all the emails.

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 2025-04-27 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$920.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XX/XX/year> {$670.00} no response to the request mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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