vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: AL

Complaint narrative:
In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Upon a recent, comprehensive review of my credit report, I identified several inaccuracies that do not accurately represent my true financial history or obligations. These discrepancies could severely affect my creditworthiness and access to financial opportunities. Therefore, I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a thorough reinvestigation of the following items : In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am exercising my right to dispute these items and formally request a comprehensive reinvestigation. It is imperative that each item is verified for accuracy and completeness, and if any information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or removed to ensure my credit report truthfully reflects my financial history. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Court : US BKPT CT XXXX  XXXX XXXX  Reference # XXXXXXXX XXXX XXXX XXXX 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 2025-10-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I.C. System is reporting a {$250.00} XXXX XXXX account as a collection, but I currently have active service with XXXX and no past-due balance. I disputed the account with XXXX, submitting a current bill showing my account is active, but XXXX reported that no results were received from the furnisher. The collection is inaccurate and XXXX be a duplicate or error. I am requesting verification and correction or deletion of this 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 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened the XXXX XXXX credit card with Chase back in late XX/XX/year>. The main benefit of this card is access to XXXX XXXX which I still have not been granted in XX/XX/year>. I have been contacting Chase every couple weeks since XXXX to get this issue resolved and every time they give me the same response : the XXXX XXXX account shows pending on my side and I have no other updates. I will escalate the issue. 
Most recently, from XXXX until XXXX, I have only been contacting them via phone in order to have official communication records It has now been nearly 6 months and there is still no resolution. Most of the time, I also ask for a case ID or something else so that I can have some official information, but they always tell me no. Recently Ive had to make these calls while XXXX outside of the XXXX, so I have to pay a international rates just to make the phone call. 
They already charged me the {$450.00} for the annual fee for this premium credit card, which I have paid ( all my accounts are up to date ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I money lion used to build my credit and fully repaid the balance owed. The account has since been reporting negatively on my credit across all three bureaus. This is inaccurate because the debt has been fully resolved. I am requesting immediate removal of these negative accounts from my credit reports, as the matter has been settled and should no longer impact my XXXX XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
In XX/XX/year>, Cash App permanently deactivated my account without warning or explanation. I received an email stating only that I had violated the Terms of Service, but no category or specific violation was provided. 

I reached out to Cash App Support multiple times and requested clarification. I specifically asked what kind of violation occurred ( fraud, verification, transaction limits, etc. ), but support could not provide any details. They repeatedly gave vague, scripted responses and told me that the email I received was the conclusion of the review. 

This leaves me with no way to understand what I supposedly did wrong, no ability to correct anything, and no transparency. I also filed an appeal, but the appeal was closed without any explanation of the reason or evidence behind the ban I believe Cash App acted unfairly by banning my account permanently without providing any justification or details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: D&A Services, LLC
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/year> To : D & A Services XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Illinois Subject : Debt Validation Request Account # XXXX Dear Sir/Madam, I am writing to dispute the above-referenced account and request full validation of this alleged debt. This is not an acknowledgment or admission of liability or a refusal to pay, and I request that all communication be in writing only. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, please provide the following : 1. Documentation proving that you are legally authorized to collect this debt/proof of ownership. 
2. 3. The name and address of the original creditor. 
An itemized statement of the alleged balance, including principal, interest, fees, and payments. 
4. A copy of the original contract or agreement bearing my signature, if applicable. 
5. Documentation showing a complete history of original account, the date of last payment, last activity, and date of first delinquency. 
6. Verification of debt amount including, Any records of payments made on this account, including dates and amounts/Itemized list of charges. 
Until you provide the requested documentation, you must cease all collection activity and refrain from reporting or continuing to report this account to any credit reporting agency. 
Please provide all requested documentation to the address listed above. I will retain copies of all correspondence. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
Greetings, I have submitted my second complaint. I submitted a dispute with your organization last month XX/XX/year> and specifically identified the fraudulent accounts. On my credit report, there are still fraudulent accounts. Your company 's negligence is causing me anxiety and jeopardizing my mental well-being. The fraudulent accounts have been disclosed, and I have submitted my identification and social security numbers, which I will resubmit. The sole alternative available to me is to reach out to your organization in order to cease being penalized for being a victim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a checking account XXXX and the {$300.00} bonus has not been paid to me for over 20 days. I have a {$1500.00} salary from XXXX and they said it does not count as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Ic system {$380.00} I pay already to the main company i want to removed that from my credit. 

XXXX {$210.00} I send the box already to the company I want to removed that from my 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 2025-10-20 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:
Upon reviewing my credit reports from XXXX Equifax, and XXXX, I discovered multiple inaccurate and unverified accounts, inquiries, and personal information being reported without my authorization or consent. These include accounts and inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others that I never applied for or authorized. There are also former names and addresses listed that are not mine, including XXXX XXXX and several outdated addresses. 

I have submitted formal written disputes to all three credit bureaus in compliance with 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires a reasonable reinvestigation of disputed information within 30 days. Despite my requests, the bureaus have failed to provide proper validation or remove unverifiable items, violating my rights under FCRA 1681i ( a ) and 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy of information. 

Additionally, the furnishers of this information, including XXXX XXXX XXXX XXXX and third-party debt collectors, have violated 15 U.S.C. 1681s-2 ( b ) by continuing to report inaccurate data after being notified of disputes. Some companies also appear to have violated 15 U.S.C. 1692j of the Fair Debt Collection Practices Act ( FDCPA ) by furnishing deceptive forms or attempting to collect on alleged debts that are not mine. 

These repeated reporting errors and failures to verify constitute serious noncompliance with federal consumer protection laws and CFPB regulations. I am requesting that the Consumer Financial Protection Bureau investigate these violations and ensure that all unverifiable and unauthorized accounts, inquiries, and incorrect personal information are permanently deleted from my credit files. I am also requesting that the credit bureaus provide documentation of their investigation methods and the sources used for verification, as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
My family submitted XXXX XXXX insurance checks totaling ~ {$140000.00} to GoodLeap LLC for endorsement after a fire at our home ( XXXX XXXX XXXX, XXXX, CA ). XXXX repeatedly denied receipt while secretly endorsing the checks. The replacement check, sent XX/XX/year>, was signed for at their XXXX office XX/XX/XXXX, but mailed to our burned property instead of the address we provided, with only XXXX XXXX text alert to my husband, XXXX XXXX XXXX 

Multiple reps acknowledged mishandling but deflected accountability, and promised 710 day timelines were ignored, causing weeks of delays. Construction on our home halted, temporary housing XXXX be lost, insurance funds for repairs reduced, and our family suffered severe financial and emotional stress. 

We request immediate return of the check, enforceable timelines for future endorsements, a direct contact with authority, and restitution for the hardship caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates 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 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I get contacted by portfolio recovery and XXXX XXXX  XXXX  at least 3 times a day. It's frustrating because ive asked for verification that the debt is indeed mine .. ive seen numerous things on my credit that I have XXXX knowledge of and ive explained that to them, so I asked for confirmation to verify that the debt is indeed mine, but all I get are calls spammed through out the day. If the debt can not be verified I'd like for it to be deleted off of my credit report. This has been going on for 6 months straight... also I see that they've both been charged off but re added a year later starting in XXXX but added back in XXXX which ive read is called reaging which is a direct violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: EdFinancial Services
State: MA

Complaint narrative:
I had went to college for XXXX symester back in XXXX. The issue was i signed up for XXXX  then it switched over to edfinacial. They had the complete wrong contact information. My payment was marked as deliquent past 90 days and i paid it off immediately after calling and flipping out. Please help me this company has terrible morals and is destroying countless peoples credit. Edfinicial you should be ashamed of yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I need assistance removing two Capitol One accounts from my credit report. 

The accounts were open over 7 years ago meaning I would have been XXXX at the time and I am now XXXX XXXX XXXX. I am in the process of trying to buy a car to get to and from college and the 10 late payments reporting on my credit report are hindering me. The accounts are XXXX XXXX have 5 late payments and had a {$4000.00} limit the second account XXXX XXXX is also showing 5 late payments with a {$1300.00} limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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 writing to you for the umpteenth time regarding the fraudulent accounts on my credit report. I have previously sent you multiple letters along with supporting documentation such as FTC reports, a police report, and an identity theft victim complaint and affidavit. Despite my repeated efforts, the inaccurate information continues to negatively impact my credit profile. 

As a consumer protected by the Fair Credit Reporting Act ( FCRA ) under 605B ( 15 U.S.C. 1681c-2 ), I am formally requesting that you block all accounts that are a result of identity theft or fraudulent activity XXXX XXXX. It is imperative that you take immediate action to rectify this situation and prevent any further harm to my creditworthiness. 

I urge you to thoroughly investigate the information provided and take the necessary steps to ensure that my credit report is accurate and reflective of my true financial history. Failure to comply with the provisions of the FCRA could result in legal action against your organizations. 

I appreciate your prompt attention to this matter and expect a swift resolution. Please confirm in writing once the fraudulent accounts have been blocked from my XXXX report.

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 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Axela Technologies, Inc
State: VA

Complaint narrative:
On XX/XX/year>, Schwartz Vays sent me a notice asking for payments due to an outstanding balance that we have with XXXX XXXX XXXX XXXX XXXX. The total amount includes our quarterly assessment fee of XXXX and collection fee of XXXX. On XX/XX/year>, my husband made the full payment to Schwartz Vays. On XX/XX/year>, we received a notice of late assessment ( also the same as notice of intent to proceed with collection action ) from XXXX XXXX XXXX XXXX XXXX asking us for payments for the same assessments. In the letter, it allowed us to pay off the outstanding balance until XX/XX/year> before this will be sent to collection.This was the first and only Notice of Late Assessment sent to me by XXXX XXXX XXXX XXXX XXXX. This notice was sent to me by email and by mail and I have kept records of both of them. In the notice, it clearly stated that the balance on the account needed to be paid within 30 days before this will be sent to an outside collection agent. We complied with this and brought the balance to XXXX as of XX/XX/year>. There is no reason for Schwartz Vays to force payments before XX/XX/year> per the Notice of Late Assessment by XXXX XXXX XXXX XXXX XXXX. We believe it was wrongful of them to do so.

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