vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, at approximately XXXX PM, I became a victim of identity theft. I received a notification from my Cash App account indicating that one of my investment stocks had been sold without my authorization. Upon immediately accessing my account, I discovered that all of my stocks and Bitcoin holdings had been withdrawn, leaving only {$0.00} in the account. I felt completely helpless. 

While these unauthorized transactions were occurring, I attempted to contact Cash App customer support via text, urgently requesting that my account be frozen. Unfortunately, I was only able to communicate with an automated system, and no immediate action was taken. 

Concerned about the possibility of a broader security breach, I called home to check on my daughter. She informed me that our laptop appeared to be compromised and that she had witnessed suspicious activity on the device. 

Since then, I have been in ongoing communication with Cash Apps support team, particularly with a representative named XXXX. I have explained the situation in detail, but following their internal investigation, Cash App has repeatedly stated that the transactions were authorizeddespite clear evidence to the contrary. 

I have submitted four separate support claims requesting that someone in upper management review my case, but I have not received any meaningful response. I have been a loyal Cash App user for over five years and have never experienced any issues until now. It is deeply disappointing to be treated this way after falling victim to identity theft. 

In addition to my efforts with Cash App, I have filed a police report, and law enforcement is currently conducting their own investigation. 

I am now reaching out to the Consumer Financial Protection Bureau ( CFPB ) as a final attempt to resolve this matter before pursuing legal action. I respectfully request your assistance in advocating for a thorough review of my case and ensuring that appropriate steps are taken to address this serious breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: ID

Complaint narrative:
On XX/XX/year>, I saw on my credit report that a missed payment was being reported by a credit card company. I immediately went online and saw that I had a balance owing for an annual payment I was notified of. I paid it in full that day. 
The next day, I called the credit card company and closed the account. In XXXX I disputed the information on my credit report as being inaccurate because it was still showing that the account was open and had a balance. I was told the information being reported was accurate and no changes were made. This is not true as the account is paid off and closed. Trans Union is reporting information that is not accurate. 
I now wish to file a complaint against Trans Union and request a {$1000.00} payment for the violation of continuing to report inaccurate information. I have bank records showing the payment was paid in full in XXXX and phone records showing a telephone call to the credit card banks customer service number when I closed the account. I was told by that company because this was a secured card that I would receive my XXXX deposit back in full within 30 days. I am providing a screen shot of the payment I made on XX/XX/year>XXXX  to pay that account in full. it has a XXXX balance as it is paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: UPGRADE, INC.
State: ID

Complaint narrative:
I am submitting this complaint regarding the inaccurate and harmful reporting UPGRADE INC has furnished to the credit bureaus. The account in question is UPGRADE INC, Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$3100.00}. This account is currently being reported as an open line of credit with a 30day late payment in XX/XX/XXXX. This reporting is false, misleading, and damaging to my credit history. 

I have never missed a payment in the manner being reported. The alleged 30day delinquency is inaccurate and unsupported by the payment records. By continuing to report this false late payment, UPGRADE INC is violating its obligations under the Fair Credit Reporting Act ( FCRA ) to ensure that only accurate and verifiable information is furnished to consumer reporting agencies. 

I have disputed this reporting through the credit bureaus, but no corrective action has been taken. UPGRADE INC has failed to provide documentation that validates the accuracy of the reported late payment. Furnishers are legally obligated under FCRA XXXX ( a ) ( XXXX ) ( A ) not to report information they know or should know is inaccurate, and under FCRA XXXX ( b ) to properly investigate disputed information. Your failure to correct this false reporting after my dispute reflects noncompliance with federal law. 

The continued presence of this inaccurate account status is directly harming my creditworthiness and financial opportunities. UPGRADE INC must immediately take responsibility for correcting this reporting failure and cease any further violations of consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi, Im reaching out because I opened a checking account online with your bank on XX/XX/year>, but it was later closed due to inactivity. I understand there's a XXXX waiting period before I'm eligible to open a new account and receive a bonus, but Id like to kindly request a waiver for that. 

Shortly after originally opening the account, a major car repair unexpectedly set me back both financially and timing wise ( it took months to repair ), making it difficult to meet the bonus requirements. That situation has since been resolved, and Id really appreciate a second chance to qualify. 

I completely understand if it's not possible, but Id be grateful if you could consider making an exception. Thanks for your time and any help you can provide! 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, On XX/XX/XXXX, I sought treatment at XXXX XXXX XXXX in XXXX. The total cost of treatment was {$750.00}. However, my insurance paid {$400.00} of the bill, and there were {$240.00} in discounts and reductions. This left me responsible for only {$100.00}. All of this is shown on the attached claim from my insurance company. 

Despite this, XXXX XXXX XXXX has repeatedly sent me bills for the full amount of {$750.00}. I phoned several months ago to tell them that I have insurance and that my responsibility is only {$100.00}. They looked up my record, agreed with my assessment, and said they would send me a revised bill. However, they continued sending me bills for {$750.00}. On XX/XX/XXXX, I phoned again and again explained that I am not responsible for the full {$750.00}. The agent looked up my record and said that my outstanding liability is only {$30.00}. I have no idea why it was not {$100.00}, but I followed the link the agent texted me and paid {$30.00}. The text message is attached, followed by a confirmation of payment. After paying the {$30.00}, I asked the agent explicitly whether this means I have no outstanding liability, and he replied in the affirmative. 

On XX/XX/XXXX, I received a debt collection notice from RMP Services LLC ( attached ), claiming that I owe {$300.00}. I have no idea how this number was calculated. On XX/XX/XXXX, I emailed the address on the notice ( XXXX ) to explain that I do not owe this debt. RMP Services LLC never responded to my email. 

I hope CFPB can help me resolve this situation and protect consumers from unscrupulous collection practices like these. 


Sincerely, XXXX XXXX XXXX XX/XX/XXXX 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I saw several advertisements on social media promoting the US Bank XXXX XXXX and a 0 % intro XXXX for 24 months. 

On XX/XX/year> I applied for the US Bank XXXX XXXX card specifically for the 0 % intro XXXX for 24 months and got approved. I applied directly from their website. 

When the card came in, I looked through the disclosures and it only shows that the 0 % interest rate is good for only 18 months. 

I called up customer service and they said the website very specifically states " up to '' even though no where on the website does it say " up to ''. Even in the small print. 

This is my first card with this bank and I am very GLAD I checked the disclosure forms that the card came with. It feels very deceptive. 

After spending XXXX minutes going back and forth with customer service and supervisors, they have doubled down that the offer states it is " up to '' 24 months, and thats why I got 18 months instead. 

To be clear, my main complaint is that there is no wording that it's XXXX XXXX 24 months. Had I known it was " up to '' I would not have applied for this card, and I feel it's really deceptive the way they are promoting this card.

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 2025-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-20 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 CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: CO

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX BANK NA ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-08-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not authorize or open these accounts and suspect they were fraudulently added. I ask for immediate correction of my credit report and a full investigation. Please refer to the attached documentation.

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 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Viking Client Services
State: TN

Complaint narrative:
I am filing this complaint regarding Viking Client Services , LLC, which is attempting to collect a debt that has already been paid in full by a third party. 

This debt originated from a rental car with XXXX, issued during a service visit through XXXX. As part of the rental agreement, XXXX was financially responsible for any associated charges. XXXX confirmed that the full balance was paid directly to XXXX on XX/XX/year>. 

On XX/XX/year>, I sent Viking Client Services a written dispute letter via XXXX Certified Mail, which was received on XX/XX/year>. In the letter, I explained that the debt was not my responsibility and included confirmation from XXXX that payment was pending. 

Despite that, Viking responded only by re-sending the invoice and restating the balance due ; ignoring the documentation provided. After XXXX paid the debt in full, I sent a second letter via XXXX Certified Mail, which was received by Viking Client Services , LLC on XX/XX/year>. I sent a letter with the payment confirmation number from XXXX and requested that the account be closed and all collection activity cease. I also indicated that any future correspondence must be through my attorney. 

Since then, Viking Client Services has continued to contact me by phone, leaving vague voicemails requesting a callback but never acknowledging the dispute or payment, including calls on XX/XX/XXXX and XXXX, XXXX. This behavior persisted even after I instructed them in writing that further contact should go through my attorney. 

This ongoing contact and failure to address a fully paid debt may violate the Fair Debt Collection Practices Act ( FDCPA ), including : 1. Attempting to collect a debt not owed, and, 2. Contacting me after a written dispute and documented resolution, and, 3. Failing to properly validate or acknowledge the paid status of the debt I am prepared to provide all supporting documentation, including XXXX written confirmation of payment, XXXX certified mail receipts, copies of my letters, and phone call logs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove multiple fraudulent accounts, including collections, charge-offs, late payments, and hard inquiries, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. Specifically, my Experian credit report is inaccurately reporting a XXXX Card account, number ending in XXXX, opened in XX/XX/XXXX with a reported balance of {$5600.00}, and a XXXX XXXX XXXX collection account, number XXXX, dated XX/XX/XXXX, with a reported balance of {$10000.00}. Both of these accounts are fraudulent and must be permanently blocked and removed pursuant to my rights under the Fair Credit Reporting Act. I am filing this FTC Identity Theft Affidavit to report two fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX Card on XX/XX/XXXX under the account number XXXX with a balance of {$5600.00}, and a collection account opened with XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX  with a balance of {$10000.00}. These accounts have also resulted in multiple fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my 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 2025-08-20 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian 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 XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/2022, Balance : {$25000.00} XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/2022, Balance : {$45000.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/2022, Balance : {$67000.00} 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 XXXX  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 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