vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: Global Lending Services LLC
State: SC

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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 submitting this dispute to challenge inaccurate, incomplete, and unverifiable information reported on my TransUnion credit report. I am requesting a full investigation in accordance with the Fair Credit Reporting Act ( FCRA ).

Charged-Off Accounts XXXX Account XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} This account is reporting as charged off without proper validation or documentation to support the accuracy of the reporting. 

Unauthorized / Unverified Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX I do not recognize or recall authorizing these inquiries. Please provide evidence of permissible purpose or remove them. 

Late Payment Reporting Errors XXXX Account XXXX. XXXX XXXX Account XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate, incomplete, and unverifiable information being reported on my Equifax credit report. I have reviewed my report and identified multiple items that do not appear to be reported in compliance with the Fair Credit Reporting Act ( FCRA ). I am requesting a full investigation and correction or removal of the items listed below. 

Unauthorized / Unverified Inquiries XXXX XX/XX/2024 I do not recall authorizing this inquiry, nor have I been provided documentation proving permissible purpose. 

Late Payment Reporting Errors XXXX Account No. XXXX XXXX Account XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Block, Inc.
State: OK

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX, the operator of Cash App, for unfair and deceptive treatment related to the closure of my Cash App account and the denial of any meaningful appeal process. My Cash App account in the name of XXXX XXXX XXXX was suddenly closed with a message stating that there was gambling or other activity that violated XXXX XXXX XXXX XXXX XXXX. The app message states that I XXXX be able to appeal this decision and instructs me to tap Learn more. When I tap Learn more, I am redirected to a Cash App staging/support URL that blocks me with a security screen and does not provide any way to submit an appeal, contact a human about the closure, or understand what transactions are allegedly gamblingrelated. Screenshots are available showing the closure message and the blocked Learn more page.The closure notice appears to use an internal code labeled XXXX. From my perspective, this code is being used to route me to a deadend page instead of a real appeals process. Cash App has not provided any specific transactions, counterparties, or evidence to support its gambling allegation, nor any clear explanation of how my use of the account violated its own policies. This is especially concerning given that the CFPB has already found that Cash Apps operator used tactics that deprived users of meaningful customer service and misled consumers about their rights in other contexts. 
Why is this unfair or deceptive? Cash App is representing inside the app that customers XXXX be able to appeal this decision, but in practice it provides no accessible procedure, route, XXXX XXXX to do so. Instead, customers in my situation are sent to a blocked or nonfunctional page, which effectively bypasses the protections that should apply when a financial institution closes an account or labels a consumer as engaging in prohibited activity like gambling. This creates only the appearance of fairness while denying any real chance to contest an inaccurate closure, obtain a human review, or receive a written explanation.Because Cash App is widely used as a de facto transaction account, sudden closure without a working appeal path can cause serious harm, including loss of access to funds and disruption of routine payments. The lack of a functional appeal process and the refusal to identify the supposed gambling transactions make it impossible for a consumer to correct errors or even understand the basis for the decision. This pattern appears similar to the conduct the CFPB recently sanctioned, where Cash App failed to provide effective customer service and used its terms and processes to evade its legal responsibilities to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft and have a police report or FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am submitting this complaint to dispute inaccurate, incomplete, and unverifiable information appearing on my Equifax credit report. After reviewing my report, I identified information that is being reported without proper verification and does not meet the Fair Credit Reporting Act ( FCRA ) requirement for maximum possible accuracy. 

Charged-Off / Collection Account in Dispute Collection Account Account Number : 2025 * * Account Date : XX/XX/year> Balance : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently tried to obtain a equity line of credit and my banker informed me that my mortgage was showing up as closed on my credit report which is inaccurate. The account is open and should be showing on my credit report as a open account.

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 2025-12-22 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 theXXXXre 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 non-monetary relief
Consumer complaint received 2025-12-22 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: VA

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 2025-12-22 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: GA

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-22 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: IL

Complaint narrative:
The bureau has demonstrated a sustained pattern of wilful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 1681n, by continuing to report information that is inaccurate and unverifiable despite multiple, properly submitted disputes over an extended period. This conduct indicates not mere negligence but a conscious disregard of statutory obligations and consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
The bureau has demonstrated a sustained pattern of wilful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 1681n, by continuing to report information that is inaccurate and unverifiable despite multiple, properly submitted disputes over an extended period. This conduct indicates not mere negligence but a conscious disregard of statutory obligations and consumer rights.

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 2025-12-22 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:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal 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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
Velocity investment committing fraud. I have reviewed credit report and documentation from 7 years ago when purchasing home 2019. Consumer portfolio and velocity neither appear in my reports for the underwriter 2019. So how is this debt valid. I was not even questioned on this account by the underwriters because it was not on there. The reports shoes that. I am being targeted by velocity wrongfully. They called to take my property without notification. There lawyers claim that they have been unable to find me. I want this to stop or the show me proof. They are using lawyer to help in the fraud against me. They take advantage of people situation when they are unemployed. They never try to work out settlements they just sue without notice on fraudulent information. I find it strange that even underwriter could not find this, that because the debt is old over 16 years and consumer portfolio the original debt would know that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

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

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 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TRUIST FINANCIAL CORPORATION
State: KS

Complaint narrative:
Applied for loan on XX/XX/year> got immediately approved but they won't give me my funds and they are asking me not to put them down as a lien holder which I believe is illegal. They want to use the loan as an unsecured personal loan when it's really an auto loan. They also said I needed to verify my identity through an impossible method, which is to call them back from my work phone. My personal cell phone is my work phone. Please 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 2025-12-22 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: FL

Complaint narrative:
TransUnion is reporting this XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX 
account as paid, closed, and with a {$0.00} balance, while also reporting a 90-day late payment. These two statuses can not coexist.

TransUnion also reports a Date of Last Activity of XX/XX/year>, while the account shows a Closed Date of XX/XX/year>, indicating activity after closure, which is not possible. 

This same account has already been removed by XXXX  and is no longer reported there.

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