vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Reason : Deceptive Business Practices Cash App Closed Case Prematurely On XX/XX/year>, I filed a complaint against Cash App for failing to resolve a fraudulent transaction on my account. 

On XX/XX/XXXX at approximately XXXX XXXX, I received an email from Cash App claiming they were responding to my XXXX  complaint. Then, only 4 hours later, I received another email from them ( around XXXX XXXX  ) stating my case was being closed because I hadnt responded within 3 days. 

This is false and misleading. There was no prior outreach or notice from Cash App before XXXX XXXX, so their claim that they waited 3 days is untrue. I believe this was a deliberate attempt to falsely close my case and evade further accountability. 

I am reporting this as a deceptive business practice and am prepared to provide both time-stamped emails to support my claim. 

This is part of a broader pattern of negligence and manipulation in how Cash App handles dispute resolution, and I am asking the FTC to formally investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
Follow-up regarding misrepresentation by Equifax I am writing to clarify a serious issue in Equifaxs response to my CFPB complaint. My dispute regarding a medical collection from XXXX was : Submitted : XX/XX/scrub>XXXX XXXX  Marked as verified and closed by Equifax : XX/XX/year> However, Equifax is now telling the CFPB ( as of XX/XX/scrub>XXXX XXXX  ) that the matter is still under investigation, which is false. This appears to be an intentional attempt to mislead the CFPB and avoid accountability. 

Furthermore, this was a medical collection, which should have been removed entirely under the CFPB rule effective XX/XX/year>, banning medical debts from consumer credit reports. 

I request a formal review of Equifaxs misrepresentation and continued noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I was checking my credit report on XX/XX/year> I saw a new account from the same collection again I have a freeze my three credit file how a collection will just go in to my account and add new account on my credit file I do not feel am safe in this world anymore. Account amount XXXX I do not have any idea on this account on this account please delete this account immediate from my credit report. Company name is XXXX 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 non-monetary relief
Consumer complaint received 2025-05-24 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:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX * * * * Balance : {$1300.00} XXXX  XXXX XXXX * * * Balance : {$0.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XXXXXX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
In violation of the fcra I have several inaccurate negative remarks on my credit report which has caused my to not be able to receive fair approvals or rates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company 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 2025-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Never received a debit validation letter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX To : Rent Recovery Solutions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Subject : Debt Validation Request Pursuant to FDCPA and FCRA Dear Rent Recovery Solutions, This letter is a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

I do not recognize or acknowledge the alleged debt you have reported or are attempting to collect.

Please provide the following documentation to validate this account : 1. The name and address of the original creditor.

2. A detailed itemization of the debt, including the original balance, interest, fees, and any payments applied. 
3. A copy of the original signed agreement or contract that legally binds me to this debt.

4. Proof that you are authorized to collect debts in my state and that you have legal rights to collect this particular debt.

5. A copy of any judgment obtained ( if applicable ).

6. A copy of any documents or records you have furnished to credit reporting agencies.

As provided under FDCPA 809 ( b ), you are required to cease all collection activities until this debt has been fully validated. Additionally, under FCRA 623 ( 15 U.S.C. 1681s-2 ), you may not furnish inaccurate or unverified information to credit reporting agencies. 
Please note that I am requesting all communications be in writing only. Do not contact me by phone. 
This letter is sent in good faith, and I expect a full response within 30 days of receipt. If this debt can not be validated, you must delete it from any credit reporting agency to which it has been reported. 
Failure to comply may result in complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General 's office. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding a promotional offer from Truist that has not been honored, despite my full compliance with its stated requirements. 

On XX/XX/scrub>, 2025, I opened a Truist Business Checking account over the phone after seeing an advertisement that promised a {$400.00} bonus for new business checking accounts. During the account opening process, the representative confirmed that the promotion code had been added to my application. 

In the days following account approval, I called Truist multiple times to confirm that the promotion code had indeed been attached to my account. Each time, I was told that no code could be seen, and was advised to wait at least 10 days as the code might activate retroactively. 

On XX/XX/XXXX, another Truist representative also could not find the promotion code in my account. However, this representative was kind enough to manually add the code again and even sent me an email with a screenshot confirming that the promotion code was now successfully attached to my account. 

I met the promotional requirements in XXXX by depositing over {$2000.00} into the account. 

Despite this, I have yet to receive the {$400.00} reward. Two weeks ago, I called Truist multiple times to inquire about the status of the bonus. Each representative told me that I was ineligible for the bonus because my account did not have a promotion code attached.

I have repeatedly tried to resolve this issue with Truist, but the bank has not followed through on its promise to assign a specialist to help me resolve the matter. I am extremely frustrated and disappointed by this lack of accountability and support.

At this point, I am turning to the Consumer Financial Protection Bureau for assistance in obtaining the bonus that I rightfully earned under the terms of Truists promotional offer.

Thank you for your attention to this matter. 

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 explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Miller Davis & Peoples
State: FL

Complaint narrative:
On XX/XX/year>! -! {$540.00} - XXXX XXXX XXXX XXXX  A DEBT THAT I OWE TO XXXX XXXX.. I sent a proof that I dont own any of the money they say I do. Attracted plenty of documents endorsing it.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against MIDLAND CREDIT MANAGEMEN for their continued failure to address this matter appropriately. 

Account in Question : Creditor : MIDLAND CREDIT MANAGEMEN Account Number : XXXX * * * * Balance : {$450.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. 

Despite several attempts to resolve this matter directly with MIDLAND CREDIT MANAGEMEN, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
XX/XX/XXXX I was involved in accident which my car was considered a total loss. 

I have multiple phones calls to both KIA finance and XXXX my GAP insurance. I have requested the information which XXXX states that KIA finance has not provided them which is copies of canceled checks that were sent to KIA finance to credit back to my loan. As of XX/XX/XXXX XXXX states the still have not received the information needed to pay off my loan. As of XX/XX/XXXX XXXX finance state they have sent them the information needed and on XX/XX/XXXX they requested for XXXX an update on what information was still needed and as of XX/XX/XXXX they have not received a response. For the last 4 months all I have received it KIA saying they sent information needed and XXXX saying no they havent. 
When I contacted XXXX KIA of XXXX VA the finance manager told me on the phone and by email that since I had my car over XXXX  year there was nothing they could do to help me except give me a email to email.

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 2025-05-25 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: OH

Complaint narrative:
I am writing to let you know that there was a court judgment against me, but it states that I do not owe any money to XXXX XXXX. Because of this, I believe this judgment should not be reported as a debt on my credit report. 

Please update my credit report to show that I do not owe any money related to this judgment. I would appreciate a confirmation when this has been corrected.

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 2025-05-25 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: OH

Complaint narrative:
I am writing to let you know that there was a court judgment against me, but it states that I do not owe any money to XXXX XXXX. Because of this, I believe this judgment should not be reported as a debt on my credit report. 

Please update my credit report to show that I do not owe any money related to this judgment. I would appreciate a confirmation when this has been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: AZ

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year>

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 2025-05-24 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: LA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau, but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: MD

Complaint narrative:
Company removed debts before them reinstated them even after I sent them legal notice to confirm debts and stop the constant calling of job and cell phone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-24 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: LA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau, but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this matter can be resolved as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I recently checked my credit report and discovered invalid personal information, fraudulent accounts and collection accounts that are listed on the uploaded attachment. 

I have contacted the creditor to remove it and sent them my XXXX XXXX XXXX XXXX, City of XXXX police report and FTC report. It has been several months and I haven't gotten anything from the company as requested for the Debt Validation showing what application that has my signature applying for credit from them and authorization to access my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
In XXXX I noticed that a debt from Portfolio Recovery Associates was being reported on my credit file. I do not recognize this debt and promptly initiated a dispute through the credit bureau ( s ) in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Despite completing the dispute process, Portfolio Recovery continued to report this debt without providing sufficient validation or removing the item. 

I have not received any documentation from the company proving the validity of the debt, including original account details or evidence linking me to the alleged balance. As of XX/XX/year>, the debt is still negatively impacting my credit file, even though I have formally challenged its accuracy. 

This situation is causing undue harm to my credit profile and I am requesting that Portfolio Recovery either properly validate the debt or remove it entirely from my credit report, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX To : Dept. of Education/NELN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Re : Dispute and Demand for Correction of Account Reporting Account Number : XXXX Balance : {$3500.00} | Past Due : {$220.00} To Whom It May Concern : This letter serves as a formal dispute and demand for immediate correction regarding your reporting of the above account. Your records indicate that I am 120180 days past due, despite the last payment being made in XX/XX/XXXX. Additionally, several months of data are missing from the payment history, and the account balance exceeds the original loan amount without sufficient justification. 
If this loan was under federal deferment, forbearance, or CARES Act coverage during any of the reported periods, the delinquency reporting violates FCRA 623 ( a ) ( 1 ) and Metro 2 compliance requirements.

Accordingly, I am demanding the following : Immediate removal of all inaccurate or misleading derogatory notations Correction of all payment history discrepancies Or full deletion of this tradeline from all credit reporting agencies You have 15 business days to respond. Failure to do so wil
l result in formal complaints to the U.S. Department of Education, CFPB, and FTC, and possible legal action under FCRA provisions. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation