vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Date : XX/XX/XXXX To : XXXX XXXX XXXX : Dispute Resolution Department P.O. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Charges Account Ending in XXXX Dear XXXX XXXX Dispute Team, I am writing to formally dispute several unauthorized charges that appear on my XX/XX/XXXXXXXX  billing statement for the account ending in XXXX. These charges were not made by me nor authorized by me, and I am requesting immediate removal and reversal of these amounts under XXXX XXXX XXXX XXXX for unauthorized transactions. 

The unauthorized charges are as follows : Transaction Date Post Date Merchant Description Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA {$18.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA {$18.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA {$2.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA {$3.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX CA {$5.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA {$6.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA {$12.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA {$2.00} XX/XX/XXXX XX/XX/XXXX XXXX # XXXX - XXXX, CA {$2.00} I have highlighted these transactions in the attached statements and clearly marked them as unauthorized. I did not authorize, recognize, or benefit from these transactions. I believe reporting these transactions to any consumer reporting agency or failing to remove them would be inaccurate, unfair, and a violation of your own terms. 

In accordance with the Fair Credit Billing Act ( FCBA ) and your Zero Liability policy, I respectfully request : Immediate reversal of the above unauthorized charges.

Reversal of any fees or interest related to these transactions ( e.g., overlimit fee of {$32.00} and interest charge of {$15.00} ). 

Written confirmation that the disputed charges have been removed. 

Assurance that no negative or inaccurate information related to these charges will be reported to any credit bureaus.

Attached : Screenshots of my XX/XX/XXXXXXXX  statement with unauthorized charges highlighted Please consider this my formal notice. I expect a prompt resolution within 30 days of receipt of this letter. I just provided you with a statement of truth/facts documentation of unauthorized use. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX Account ending in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at DEPT OF EDUCATION/XXXX  on XX/XX/XXXX with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> To : TransUnion, Experian Subject : Formal Dispute of Charged-Off Account Reporting Request for Deletion under TILA and FCRA I am writing to formally dispute the inaccurate and unfair reporting of a charged-off account currently listed on my credit profile. The accounts in question is listed as : Creditor Name : XXXX  XXXX XXXX  Account Number : XXXX Status : Charged Off Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Status : Charged Off Under 15 U.S. Code 1601 the Truth in Lending Act ( TILA ) I assert my right to full and accurate disclosure of credit terms, which includes proper notification and accounting of any alleged debt prior to negative reporting. Failure to meet these obligations undermines my consumer rights under federal law. I have not received the proper disclosures or validation regarding this account, which may constitute a violation of TILA.

Additionally, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S. Code 1681i ( a ) which requires that any item of information disputed by a consumer must be investigated and resolved within 30 days.

15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) which requires that furnishers of information to credit reporting agencies report only accurate and complete data.

15 U.S. Code 1681e ( b ) which mandates that credit reporting agencies maintain reasonable procedures to ensure the accuracy of the information they report. 


This charged-off account is causing undue harm to my credit profile. Based on the above, I demand the following : Immediate investigation and verification of this account pursuant to the FCRA ; Deletion of this account from my credit profile within four ( 5 ) business days from receipt of this letter or provide verified and documented proof that complies with TILA and FCRA standards. A written statement confirming the outcome of your investigation and any actions taken.

Failure to comply with this request may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action for damages resulting from negligent or willful noncompliance.

This letter serves as formal notice and request. Please treat it with urgency and respond in writing to my address above. 

Sincerely, 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 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Debit validation 1 proof that I have a contract with your company and with all the parties involved.2proof that your company its license to collect in my state 3 proof that your company owns the alleged debit.4 a chain of assignment and purchase agreement.5 proof that this debt has not been securitized by the original creditor.6 XXXX XXXX and a 1099-c was issued for this account. All documents must be sent to me by mail only and within ten days or I will deem it not valid and will not pay.Cease and desist all other forms of communication including calling texting email credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
Iam filling a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Comsumer Financial Protection Act ( CFPA ). Specifically, Cash Aypp failed to take timely and effective 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 of these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Possible Financial Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XXXX XXXX Possible Financial Inc XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Subject : Request for Account Information Not a Dispute Dear Possible Financial Inc, I am writing regarding the account listed on my credit report associated with your company. Please note that this is not a dispute. I am simply requesting clarification and information related to the account for my personal records. 

Specifically, I am requesting the following details : 1. The date of first delinquency on the account 2. The date of the last payment made 3. The date of charge-off, if applicable This information will assist me in maintaining accurate records and monitoring my credit profile. Again, I want to emphasize that this is not a dispute of the account, merely a factual request. 

Thank you for your time and assistance. Please send the requested information to the address above or via email at your earliest convenience. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Formal Dispute of Fraudulent Charges Credit Card Ending in XXXX I am writing to formally dispute unauthorized and fraudulent charges that have been posted to my Bank of America credit card account ending in XXXX. 

These transactions were not authorized by me, nor by anyone permitted to use my account. Under the Fair Credit Billing Act ( 15 U.S. Code 1666 ), I request an immediate and full investigation into these charges, and that all associated amounts be reversed.

To support my claim, I am enclosing a copy of a police report filed with the XXXX XXXX Police Department, which details this case of fraud. Please ensure that this documentation is attached to your investigation record. 

Additionally, please provide me with the following documentation related to the disputed transactions : Copies of transaction receipts Names and contact information for the merchants involved IP addresses, device data, or location info linked to the transactions Any associated signatures or communication logs This letter also serves as a formal complaint submitted to the Consumer Financial Protection Bureau ( CFPB ). I am requesting that your response to this dispute be consistent with your legal obligations and that all requested documentation be mailed to me at the address provided above. 

Under 15 U.S. Code 1666 ( a ), you are required to : Acknowledge receipt of this dispute within 30 days, and Conclude the investigation and provide a resolution within two complete billing cycles, not to exceed 90 days.

No interest, late fees, or collection efforts should be applied to the disputed amount while the matter is under investigation, as provided by law. 

Please confirm receipt of this letter and the police report in writing, and keep me informed of the status of your investigation. I expect Bank of America to resolve this matter promptly and in 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 explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
Cash App abruptly closed my account stating fraudulent or suspicious activity. I explained of how I use my account to only send money to friends, family and pay for small purchases ... I do not have any fraud to my knowledge on this account. I have requested examples many times from Cash App asking to provide dates, amounts, times of the alleged fraud but never receive a response back from anyone after being submitted for review. After 30 days, never get any responses back. 

CASH APP : XXXX XXXX previous number ( XXXX ) attached : XXXX, XXXX, XXXX ( last number used ) Associated Email : XXXX FTC Fraud affidavit attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing this complaint against Cash App ( Block , Inc. ) due to inadequate service and unfair practices, which I believe violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent or address fraudulent activity on my account, thereby leaving it vulnerable and unprotected.

In addition, their dispute resolution process was both unfair and deceptive. Cash App did not comply with the error resolution requirements mandated under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Their failure to act promptly and transparently caused me significant inconvenience and financial loss. 

I am requesting appropriate redress for these violations, including reimbursement for the funds lost due to their negligence and a review of their dispute and fraud resolution practices to prevent further harm to other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group
State: TX

Complaint narrative:
Global Holdings, from XX/XX/XXXX to XX/XX/XXXX, took out $ XXXX  monthly! With promises of helping me pay my credit cards, without ruining my credit score. Almost XXXX was taken total. My credit score is ruined! The money was never paid to the credit card companies. It was in this past XXXX that I learned Global Holdings was being said by several states for mishandling the money and lying to the consumers. In fact I believe the company has got close to XXXX XXXX dollars from several consumers from different states. Any help at all would be greatly appreciated in regaining the money I have personally paid. Thank you

Company response to consumer: Untimely response
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally file a complaint and dispute against the reporting of student loan accounts related to XXXX, a third-party loan servicer or data handler involved in the management and processing of my federal student loans. 

It has come to my attention that XXXX was involved in a privacy and data security breach, which has potentially compromised sensitive educational and financial records covered under both the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). 

As a result of this breach, I believe the continued reporting of the affected student loan accounts on my credit report constitutes a violation of my consumer protection rights under the following statutes : Applicable Legal Violations : 1. FERPA ( 20 U.S.C. 1232g ) Educational institutions and their contracted third parties must safeguard student records. Unauthorized access or data disclosure without consent is a violation of FERPA. 
Since XXXX acted as an agent on behalf of an educational institution, its breach directly implicates FERPA noncompliance, invalidating its authority to retain or share my data. 
2. FCRA ( 15 U.S.C. 1681 et seq. ) Under Section 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy of the information they report. 
Due to the breach, the integrity, accuracy, and legality of XXXX data is now questionable, and its continued reporting may be materially misleading and harmful to my credit profile. 
I am invoking my rights under Section 1681i to formally dispute any tradeline or entry linked to XXXX and request immediate reinvestigation and deletion of those entries. 
3. FTC Safeguards Rule / GLBA ( Gramm-Leach-Bliley Act ) Entities handling financial or educational data are required to maintain administrative, technical, and physical safeguards to protect consumer information. 
XXXX failure to do so subjects its data reporting to scrutiny and nullifies its legal standing in handling my records.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to formally file a complaint and dispute against the reporting of student loan accounts related to XXXX, a third-party loan servicer or data handler involved in the management and processing of my federal student loans. 

It has come to my attention that XXXX was involved in a privacy and data security breach, which has potentially compromised sensitive educational and financial records covered under both the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). 

As a result of this breach, I believe the continued reporting of the affected student loan accounts on my credit report constitutes a violation of my consumer protection rights under the following statutes : Applicable Legal Violations : 1. FERPA ( 20 U.S.C. 1232g ) Educational institutions and their contracted third parties must safeguard student records. Unauthorized access or data disclosure without consent is a violation of FERPA.

Since XXXX acted as an agent on behalf of an educational institution, its breach directly implicates FERPA noncompliance, invalidating its authority to retain or share my data. 
2. FCRA ( 15 U.S.C. 1681 et seq. ) Under Section 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy of the information they report. 
Due to the breach, the integrity, accuracy, and legality of XXXX data is now questionable, and its continued reporting may be materially misleading and harmful to my credit profile. 
I am invoking my rights under Section 1681i to formally dispute any tradeline or entry linked to XXXX and request immediate reinvestigation and deletion of those entries. 
3. FTC Safeguards Rule / GLBA ( Gramm-Leach-Bliley Act ) Entities handling financial or educational data are required to maintain administrative, technical, and physical safeguards to protect consumer information. 
XXXX  failure to do so subjects its data reporting to scrutiny and nullifies its legal standing in handling my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to formally file a complaint and dispute against the reporting of student loan accounts related to XXXX, a third-party loan servicer or data handler involved in the management and processing of my federal student loans. 

It has come to my attention that XXXX was involved in a privacy and data security breach, which has potentially compromised sensitive educational and financial records covered under both the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). 

As a result of this breach, I believe the continued reporting of the affected student loan accounts on my credit report constitutes a violation of my consumer protection rights under the following statutes : Applicable Legal Violations : 1. FERPA ( 20 U.S.C. 1232g ) Educational institutions and their contracted third parties must safeguard student records. Unauthorized access or data disclosure without consent is a violation of FERPA. 
Since XXXX acted as an agent on behalf of an educational institution, its breach directly implicates FERPA noncompliance, invalidating its authority to retain or share my data. 
2. FCRA ( 15 U.S.C. 1681 et seq. ) Under Section 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy of the information they report.

Due to the breach, the integrity, accuracy, and legality of XXXX data is now questionable, and its continued reporting may be materially misleading and harmful to my credit profile. 
I am invoking my rights under Section 1681i to formally dispute any tradeline or entry linked to XXXX and request immediate reinvestigation and deletion of those entries. 
3. FTC Safeguards Rule / GLBA ( Gramm-Leach-Bliley Act ) Entities handling financial or educational data are required to maintain administrative, technical, and physical safeguards to protect consumer information.

XXXX  failure to do so subjects its data reporting to scrutiny and nullifies its legal standing in handling my records.

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