vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
On the XXXX of XXXX I sent {$150.00} to my mother in law well what I thought was her cashapp unaware she had just got a new cashapp because they are similar in the cashapp tag provided so when I started to type the cashapp tag and her picture popped up I assumed it was her cause only one popped up at first then was told it was the wrong one and she didnt have access to that one to send the money back I started a dispute with cashapp they took a week to get back and denied my dispute saying it came from my account so they denied it even with me showing them it being the wrong cash tag and sending them evidence of what they asked me to do with proof of the right cash tag when they denied that I did a appeal it took them about a hour to deny my appeal saying they are sticking with their decision which I dont see it being fare yes people make mistakes and I made one and you can clearly see I sent it to the wrong person and I was trying to work with the recipient and cashapp to try to make this matter simple but cashapp is basically saying we dont care that you lost your {$150.00} were not giving it back I will be closing my account and will never be using their services again in life also taking legal actions cause it just doesnt seem right

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I submitted a timely Validation of Debt request to PORTFOLIO RECOVERY regarding Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX for the alleged balance of {$720.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, PORTFOLIO RECOVERY failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: CBC Companies, Inc.
State: NJ

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 word 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 would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed my credit reports I am not familiar with. I have asked the CRA 's for validation of debt however the information has not been provided. Due to my information being exposed I have submitted a FTC Complaint reporting the information I am not familiar with. Please find attached a copy of my ID, The FTC Complaint, a copy of NPD Report showing my information being exposed in a national data breach and a validation of debt.

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 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: ASSOCIATED BANC-CORP
State: NJ

Complaint narrative:
In XX/XX/year>, I took out an auto loan in my name for approximately {$58000.00}. The loan was obtained under false representation and coercion by my former partner, who was the primary user of the vehicle until the last week of XX/XX/year>. 

At the time the loan was obtained, my former partner repeatedly represented himself as an active-duty XXXX XXXX service member working as a XXXX. He wore a military uniform daily and claimed he was not being paid due to the government shutdown, using this representation to pressure me into taking on financial obligations, including this auto loan. He assured me he would be responsible for the payments. 

Relying on these representations, and under ongoing pressure, I agreed to take out the loan even though I was not the primary beneficiary or user of the vehicle. I later learned that these representations were false and that he had not been in the military for over a year at the time. I also learned that he was working a civilian job and receiving income during the same period he claimed he was unpaid. 

In addition to the auto loan, I incurred nearly {$50000.00} in combined credit card and cash debt during this period based on the same misrepresentations and assurances that he would pay, which were not honored. 

I am submitting this complaint to request that the lender conduct a fraud and loan-origination review to determine whether this loan was induced by material misrepresentation, coercion, and undue influence, and to advise what relief options are available given these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: GA

Complaint narrative:
I am writing to dispute certain items on my credit report. The items in question are either inaccurate or incomplete and are adversely affecting my credit score. As per the Fair Credit Reporting Act ( FCRA ), I request that these discrepancies be investigated and removed from my credit report.

I dispute the following charged-off and late-payment accounts listed under TransUnion : Charged Off Accounts : XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/year> Balance : {$420.00} Late Payment Accounts : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : 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 2025-12-29 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: CBC Companies, Inc.
State: WA

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 word 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 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 explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

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.

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 2025-12-29 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: DISCOVER BANK
State: GA

Complaint narrative:
I recently obtained a copy of my XXXX  credit report and am writing to formally dispute inaccurate and unverifiable information currently appearing on my credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that the following items be verified with proper documentation or removed immediately. 
Disputed Accounts 1. Discover Card Account Number : XXXX XXXX XXXX XXXX XXXX I do not recall ever being late on this account. Please provide full payment history, billing statements, and documentation showing any alleged late or missed payments since the account was opened. If you are unable to verify this information accurately, it must be removed. 
XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not recognize this account and have no knowledge of opening it. Please provide proof of ownership, application records, and account history. If this information can not be verified, please delete it from my credit report. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
Account Number : XXXX XXXX XXXX XXXX XXXX I do not recognize this account and dispute its accuracy. Please provide documentation proving this account belongs to me. If you can not verify it, it must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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 disputing the following accounts on my Equifax report, as they are inaccurately reported : Charged Off : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date XXXX : XX/XX/XXXX, Balance : {$340.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXXXXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NY

Complaint narrative:
Sallie Mae has been placed on clear notice of a bona fide billing dispute involving charges for educational services that were never delivered. Despite this notice, Sallie Mae has refused to conduct any investigation or place the account into a dispute hold unless I first make XXXX additional monthly payments. 

Conditioning a billing dispute investigation on continued payment for a balance whose legitimacy is unresolved constitutes an unfair and abusive act or practice under the Consumer Financial Protection Act. It effectively forces consumers to pay amounts that may not be owed in order to obtain basic dispute review.

Sallie Maes refusal to investigate while continuing collection activity also creates a substantial risk of inaccurate credit reporting, in violation of its obligations as a data furnisher under the Fair Credit Reporting Act. Sallie Mae can not reasonably certify the accuracy of the reported balance while simultaneously refusing to verify whether the disputed charges are valid.

I have repeatedly requested only procedural compliance : a billing investigation, a medical hardship review, and suspension of collection activity while the dispute is resolved. Sallie Mae has declined all such requests, citing internal policy rather than any legal authority. 

I am willing to pay for the XXXX hours of instruction actually received. I will not make payments toward disputed charges for training hours that were never delivered. 

If Sallie Mae continues collection activity or reports adverse information without first conducting a good-faith investigation, I reserve all rights to pursue further regulatory complaints, including but not limited to enforcement review by the Consumer Financial Protection Bureau , state consumer protection authorities, and claims related to inaccurate credit reporting and unfair debt collection practices.

This complaint seeks immediate intervention to require Sallie Mae to cease collection activity, conduct a proper investigation of the disputed balance, and comply with its legal obligations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
I recently reviewed my credit report and discovered fraudulent information that I did not authorize. These inaccuracies are preventing me from obtaining credit. I would like to have these items removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
THE COLLECTION ACCOUNTS LISTED ON MY CREDIT REPORT WERE NOT OPENED OR AUTHORIZED BY ME. I HAVE NO AFFILIATION WITH, NOR RESPONSIBILITY FOR, THESE ACCOUNTS. THESE ENTRIES ARE INACCURATE AND UNVERIFIED.

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 2025-12-29 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: NY

Complaint narrative:
I am disputing the following accounts listed on my TransUnion credit report. These accounts contain discrepancies that require your immediate attention : Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXR Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : 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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and outdated personal information, which I formally disputed with Transunion. 
Despite submitting the dispute along with proper supporting documentation, the credit bureau has failed to correct the following : Details of the Dispute : Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed on my credit report. 
I request that my name be updated to reflect the correct and complete legal name. 
Outdated Address : My current residential address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fl XXXX However, my credit report shows an outdated and inaccurate address. 
I request that my current address be updated and that all outdated addresses be removed. 
XXXX. Incorrect Employers : My current and correct employer is XXXX XXXX XXXX XXXX 
The credit report incorrectly lists employers I have never worked for. 
I request that only verifiable and correct employment information be reported. 
Applicable Laws Violated : The credit reporting agencys failure to remove or correct these inaccurate items violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i Failure to reinvestigate disputed information within the required timeframe 15 U.S.C. 1681g Right to receive complete and accurate information from a credit file 15 U.S.C. 1681s-2 ( a ) Duty of data furnishers to report accurate information CFPB XXXX XXXX Guidance on reinvestigation obligations of CRAs These errors can cause significant harm to my creditworthiness and may associate me with data and accounts that are not mine.

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 2025-12-29 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: NC

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief