vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
Name : XXXX XXXX XXXX Date : XX/XX/year> Email : XXXX I am writing to file a complaint against Cash App ( Block, Inc. ). My Cash App Card ending in XXXX was permanently deactivated without a clear explanation.

Cash App informed me that I may continue to use the app to send and receive money, but they refused to provide specific reasons for deactivating my card. They only stated it may be related to account history, disputes, or possible violations of their Terms of Service.

I believe this action is unfair and harmful because I rely on the Cash Card for my daily financial needs. I request that Cash App provide a clear explanation for this deactivation and allow me the option to obtain a new Cash Card.

Attached is the communication I received from Cash App regarding the deactivation.

Requested Resolution : A full explanation of why my Cash Card was deactivated.

Reinstatement of my ability to use a Cash Card, or issuance of a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: MO

Complaint narrative:
I am disputing debts that LVNV/Resurgent claims I owe. I have asked several times for proof that this debt is mine and that they have the right to collect it. They have not provided the information I requested. I have sent multiple written requests asking them to verify and validate this debt. The most recent letter was sent XX/XX/year>. They have not provided key information, such as the name of the original creditor, proof that they own or were assigned this debt and complete account and payment history. Instead, they continue to report this debt and send generic or inaccurate information to the credit bureaus and to me personally without giving me the proof I asked for. Continuously sending stall letters and not delivering the proof I've requested is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This majorly affects me because the accounts are still being reported on my credit file, which is lowering my XXXX XXXX and harming my ability to get credit and other opportunities. I have spent time and effort trying to resolve this, but they are not fixing the issue. Thank you for your assistance.

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 2025-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Larry H. Miller Group of Companies
State: ID

Complaint narrative:
I received a mailer after I filed for bankruptcy in 2022 that said we can get you a loan on a vehicle it was out of state and I really needed a vehicle and they approved me and I specifically asked them to ask the bankruptcy court if it was fine and they said yes I was in the middle of the bankruptcy. They have not provided me information on the approval also I just got served paperwork from the XXXX that they are suing me for the amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by 2 parties and I did not participate in any of it. They did not follow the proper 5- step validation procedure. According to the FDCPA, I'm entitled to compensation for these violated my rights and abused my privileges, I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: MD

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts present. Please remove accounts 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 explanation
Consumer complaint received 2025-09-22 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: MI

Complaint narrative:
This is a formal dispute regarding multiple defective tradelines on my Equifax report dated XX/XX/XXXX. 
Accounts in Dispute XXXX XXXX XXXX XXXX reports 30/60/90 day lates in XXXX. 
XXXX report OK/Current. 
Selective derogatory reporting is incomplete and misleading.

Violation : FCRA 607 ( b ) ; Reg V Appendix E.

Metro 2 : Field 25 ( Date of First Delinquency ). 
XXXX. XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX reports Derogatory / Charge-off {$8600.00}. 
XXXX suppress or show account terminated. 
Reporting a charge-off on one bureau only is false and incomplete.

Violation : FCRA 607 ( b ) ; Metro 2 Field 17B ( Status ). 
XXXX. XXXX XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX  reports Charge-off {$37000.00}/ Derogatory.

No lates reported on XXXX. 
XXXX can not show charge-off without full ledger proof of delinquency. 
Violation : FCRA 611 ( a ) ( 1 ) ( A ) ; Cushman v. TransUnion. 
XXXX. XXXXXXXX XXXX XXXXXXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX shows two separate active accounts with inconsistent balances ( {$4400.00} vs. {$2900.00} ). 
XXXX show only one version.

Duplicate and inconsistent reporting is a direct violation of completeness and accuracy.

Violation : FCRA 607 ( b ) ; FDCPA 807 ( 2 ) ( A ). 
XXXX XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX reports Medical/ Charged Off / Subject has not satisfied debt. 
XXXX suppresses, XXXX  lists as Other Collection Agencies.

No validation of debt provided.

Violation : FDCPA 809 ( b ) ( verification ), FCRA 611. Metro 2 : Field 58 ( ECOA Code ), Field 71 ( Compliance Condition ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-22 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: FL

Complaint narrative:
I am disputing this verified account pursuant to the Fair Credit Reporting Act ( FCRA ), and I request that this inaccurate and unauthorized account be blocked or removed immediately. 
I have attached my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX as evidence. 
Under the FCRA, specifically 15 U.S.C. 1681i, 1681c-2, and 1681s-2 ( a ) ( 7 ), credit reporting agencies must block or remove inaccurate and unauthorized information within four ( 4 ) business days of receiving an identity theft report. Despite my prior complaint and attempts to resolve this with EXPERIAN, the following inaccurate and unauthorized account was verified on my credit report : XXXX - XXXX, XXXX - XXXX This verification is causing significant harm to my credit and financial opportunities. I have requested verification and contract copies from the reporting company, but after 60 days, received no response. This account was previously removed by other agencies due to lack of verification, yet EXPERIAN verified it without proper validation. This simple verification is illegal, as no evidence or written certification of my authorization for this account has been obtained. 
According to the Fair Credit Reporting Act ( FCRA ), the reinsertion or verification of previously deleted information requires written certification from the data furnisher confirming accuracy, and the consumer must be notified. This was not done in my case, violating federal law. 
I urge the CFPB to ensure EXPERIAN complies with the law by blocking this inaccurate and unauthorized account immediately and confirming the action taken.

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 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This month, XX/XX/year>, Chase Bank employees XXXX, XXXX, XXXX, and XXXX committed fraud by refusing to properly process my legitimate dispute claim against XXXX. XXXX illegally charged me {$550.00} for allegedly not returning equipment on time, despite having concrete photographic evidence proving I returned it properly and on schedule. 

When I filed a dispute claim with Chase, employees XXXX, XXXX, XXXX, and XXXX systematically blocked my rights by : refusing to re-open my closed dispute claim, denying my requests to reclassify the claim type, and stonewalling all attempts to present my evidence against XXXX 's fraudulent charges. 

These employees provided contradictory information about dispute policies, refused to provide written documentation of their procedures, and became hostile when I requested supervisory escalation. XXXX specifically refused to explain why my legitimate evidence was being ignored, while XXXX and XXXX gave conflicting reasons for blocking my dispute rights. 

Chase 's refusal to process my legitimate dispute enabled XXXX 's theft of {$550.00} from my account. This caused severe financial hardship including inability to pay rent and utilities. Chase violated federal banking regulations by denying customers their right to dispute fraudulent charges and failing to properly investigate merchant fraud when presented with clear evidence. 

I demand Chase immediately re-open my dispute, process my evidence, and recover my stolen {$550.00} from XXXX 's fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
I am writing to formally dispute the unauthorized accounts on my credit report. These accounts were opened without my knowledge, authorization, or consent, and their presence violates the Fair Credit Reporting Act ( FCRA ).

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 2025-09-22 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-09-22 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company 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 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Revolut Technologies Inc.
State: AZ

Complaint narrative:
In XXXX, I initiated a payment which never arrived at the intended beneficiary. Despite numerous attempts to resolve this through Revoluts support, the issue persisted.

Recently, after much back and forth with Revolut, they confirmed via email in XXXX that the payment had been processed. However, the beneficiary still did not receive the funds. Frustrated with the lack of progress and poor support, I requested to delete my account with Revolut. Unfortunately, before the account closure, Revolut recouped the funds into the account that I requested to be closed, further complicating the situation.

Now, I am unable to access the account, and despite repeated requests through their support chat, Revolut has not transferred the funds to my new bank account. This situation has been ongoing since XXXX, and despite providing extensive verification and personal data, Revolut has not resolved the issue or provided a satisfactory explanation for withholding the funds.

We are dealing with a significant amount of {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: NY

Complaint narrative:
" I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-22 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:
This is my 10th formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm. 

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory 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 explanation
Consumer complaint received 2025-09-22 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: IL

Complaint narrative:
This is my 10th formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm. 

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory 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