vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Consumer Response to Portfolio Recovery Associates ( PRA ) : I reject PRAs response as it fails to meet their legal obligations under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
XXXX. Failure to Validate Debt ( 1692g ( b ) ) : PRA has not provided competent evidence of any obligation. Repeating alleged balances and generic business records from XXXX XXXX is insufficient validation. No signed contracts, no detailed account statements, and no proper proof of assignment or chain of title linking these accounts specifically to me were provided. Without these, continued collection or reporting is unlawful. 
2. Improper Credit Reporting ( 623 FCRA ) : PRA continues to report these accounts to credit bureaus without providing proper validation. Under 15 U.S.C. 1681s-2 ( b ), after being notified of my dispute, PRA must conduct a reasonable investigation. Failing to produce competent evidence while still furnishing derogatory information is willful noncompliance.

3. Licensing and Authority : PRA asserts it holds all required licenses, yet has not provided proof of authority to collect in my state. Operating without verifiable licensing constitutes unlawful collection activity.

4. Cease Communications is Not Relief : Stating they will cease communication does not remedy the damage caused by unlawful credit reporting. The core issue is PRAs continued furnishing of unverifiable accounts that materially damage my credit profile.

Requested Resolution : I demand immediate permanent deletion of all PRA tradelines from Experian, Equifax, and TransUnion. If PRA can not provide full validation original signed agreements, complete account histories, and documented chain of title they are legally obligated to delete these accounts. 

If this issue is not resolved promptly, I will escalate by filing complaints with the FTC, State Attorney General, and pursue private legal action for statutory damages under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing a complaint against Equifax for inaccurate credit reporting. Equifax is continuing to report a XXXX XXXX XXXX account with a Date of First Delinquency of XX/XX/year>. 

Under the Fair Credit Reporting Act, Section 605 ( a ), negative accounts may not remain on a consumers credit file for more than 7 years from the date of first delinquency. This account is now beyond the legal reporting period. 

Both Experian and TransUnion have already removed this account from my credit reports in compliance with the law. Equifax refuses to do the same and continues to harm my credit profile. 

I am requesting that the CFPB require Equifax to delete this obsolete account and provide written confirmation of the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On the morning of XX/XX/XXXX, I received an email instructing me to urgently review a statement on my Capital One mobile app. Upon logging in, I found that both of my credit card accounts ( XXXX and XXXX ) displayed the message : This credit card account is currently restricted. 

I immediately contacted Capital Ones customer care line to resolve the issue. The representative, XXXX, informed me that Capital One reserves the right to close accounts if suspicious activity is suspected. However, when I asked for clarification on what activity was deemed suspicious, I was told that no information could be shared. I pressed further, but she reiterated that Capital One could make such a decision without providing me any details. 

This lack of transparency is deeply troubling and extremely disappointing. The refusal to disclose the basis for such a serious actionone that directly affects my credit history and financial standingdenies me the ability to address or correct any alleged issue. I was not provided with any claim number or reference information to document our conversation, despite specifically requesting XXXX. The only information I was given is that calls are recorded, but that nothing could be provided to me for citation. 

This action has placed me at risk of unjust damage to my credit history. As a responsible customer, I believe I am entitled to know why my accounts were restricted and potentially closed. Therefore, I am formally requesting the following : * That my accounts be reinstated, or * That any negative impact from this action be removed from my credit history immediately. 

I respectfully assert my right to full disclosure regarding the reasons behind this action, as well as to fair treatment as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: OH

Complaint narrative:
My Cash App account was recently closed without explanation. I am a prior victim of identity theft, and I had previously reported stolen credit card information to Cash App, which resulted in a replacement card and number. Cash App did not implement additional security measures to protect my account. 

I have contacted Cash App multiple times to get a clear explanation, but all I have received is that my account was investigated and closed. They have not disclosed whether there was suspicious or fraudulent activity, or if someone attempted to open an account in my name. 

On XX/XX/XXXX, my son sent me {$12.00} via Cash App. That same day, I went to a local store and spent {$10.00} using my account. On XX/XX/XXXX, my account was unexpectedly closed without any explanation. Since then, I have been trying to get information from Cash App about why my account was closed. 

On XX/XX/XXXX, I received an official email from Cash App, but it still did not provide a clear explanation or disclose whether there was any suspicious or fraudulent activity on my account, or if anyone attempted to open an account in my name. 

I am concerned about potential identity theft and need clear information so I can protect myself. I would like Cash App to provide a detailed explanation for why my account was closed, any suspicious activity they detected, and steps I can take to secure my account and identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausExperian, Equifax, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXXXXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, Equifax, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: 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 non-monetary relief
Consumer complaint received 2025-09-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Santander Consumer USA has been withdrawing money from my account without my consent or authorization, even though this vehicle was not mine and it was financed & sold years ago. There is no outstanding loan balance or contractual obligation that permits these debits. 
The vehicle was sold in 2018 Despite this, Santander Consumer USA has continued to debit funds from my account. 
Most recent XXXX for {$12000.00} Violations : - By making withdrawals without my authorization, Santander Consumer USA appears to be in violation of the Electronic Fund Transfer Act ( EFTA ) , 15 U.S.C. 1693 et seq., which prohibits unauthorized electronic transfers.

-To the extent these withdrawals represent attempts to collect a debt that is not owed, Santanders conduct may also violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq.

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 2025-09-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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 : ACCOUNTS : XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8900.00} XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$34000.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$6800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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, XXXX as proof from the XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after 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 2025-09-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/year> I received a refund check for {$54000.00} written on a Citizens bank account from a contractor for work not performed and took it to Citizens bank to cash. The clerk said I had an open account and I could deposit the check into my savings account. The check bounced for insufficient funds. On XX/XX/year> I received another ( different ) check for the same amount from the same contractor and deposited into my account. On XX/XX/year> the replacement check cleared. On XX/XX/year> Citizens bank closed my account and stated my remaining balance would be mailed to my home address on XX/XX/year>. The letter stated that if I continued using the closed account then the bank would place a " Freeze '' on the account. Since the last time I used the account was on XX/XX/year> when I deposited the check, I assumed I would receive my check on XX/XX/year>. On XX/XX/year> I received a check from Citizens bank for {$.00}, which was the balance in the account prior to depositing the refund check. Now Citizens bank says my account is still " Frozen '' and in review. No one can tell me why this review is still being conducted and how long it will continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX Your Birth Date XX/XX/year> Social Security Number ( XXXX ) Credit Bureau Dear [ Credit Bureau ] , I am reaching out to challenge an inconsistency identified in the PAYMENT HISTORY section of my credit report, specifically in relation to the following account that has been charged off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX review, I have observed that this account continues to be reported as having a monthly payment history, even though it should not due to its charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. 

Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. 

Due to this apparent oversight, I insist on the immediate removal or DELETION of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. 

I appreciate your prompt attention to this crucial matter. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: AK

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me.

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: AL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
This complaint is not a mistake. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy and is causing ongoing, serious harm.

Company response to consumer: Closed with explanation