vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app closed my account and took my money on there I had XXXX on there and they didnt give it back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
NCB Management Services, Inc Address : XXXX XXXX XXXX XXXX, PA XXXX File Number : # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. NCB Management Services , Inc was placed on my credit file on XX/XX/XXXX and was deleted approximately on XX/XX/XXXX with an alleged balance of {$4900.00} after buying the alleged debt from XXXX XXXX XXXX fraudulently. As NCB is not licensed as a debt collection company in the state of Illinois after researching Illinois Department of Financial and Professional Regulation license look and XXXX  XXXX XXXX at the list of businesses established in Illinois. And XXXX has XXXX XXXX violations and discrepancies making the contract void. Between XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX my XXXX credit report stated XXXX collections. On XX/XX/XXXX NCB reported on my credit file. According to 15 U.S.C. 1681s-2 of the FCRA, if previously removed is reinserted into a credit report, the credit reporting agency is required to notify the consumer within 5 business days of the reinsertion. I have not received any notification regarding NCB Management Services , Inc. NCB was required to notify me prior to XX/XX/XXXX, or no later than 30 days after. NCB failed to notify me about reporting derogatory info. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice is required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). NCB broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. NCB failed to give me my " XXXX '' XXXX days prior to placing this derogatory item on my XXXX report, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) NCB failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that IL state attorney general can enforce a {$1000.00} penalty. NCB purchased fraudulent contract. My deposit was never added. And there are discrepancies in their accounting and inflated reporting on the actual balance of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: IL

Complaint narrative:
I am writing to let you know that I am a victim of identity theft, someone use my information without my permission and there are accounts on my credit report that I didnt open. according to 15 U.S.C. 1681c-2 ( a ) of the fair credit reporting act, I have the right to ask to block and delete these accounts from my credit report within four business days. ( Please delete and block these accounts before I seek litigation for defamation of character. ) XXXX XXXX {$7200.00}XXXX XXXX XXXX balance {$720.00}, XXXX XXXX XXXX  balance {$210.00}, XXXX XXXX XXXX {$1700.00}.

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 2025-03-22 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 filing this FTC Identity Theft Affidavit to report two fraudulent accounts appearing on my consumer FICO 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 opened at XXXX XXXX XXXX  on XX/XX/XXXX under account number XXXX and an auto loan opened at XXXX on XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Account # XXXX I am writing to formally dispute the validity and accuracy of the collection account listed under the account number XXXX, originally associated with XXXX XXXX XXXX XXXX and reflecting a balance of {$2200.00}. 
As of XX/XX/year>, your records show this balance remains unpaid, however, I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and a thorough review under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I request the following : 1.Proof that I am legally obligated to pay this debt. 

XXXXA copy of the original contract or agreement bearing my signature. 

XXXX.A detailed accounting of the amount claimed, including how the balance of {$2200.00} was calculated. 

XXXXDocumentation showing that I.C. System, Inc. is authorized to collect on behalf of XXXX XXXX XXXX XXXX 

Until this information is provided, I request that this account be marked as disputed on any credit reports where it is listed. If you can not provide the requested documentation within the time frame prescribed by law, I request that this account be removed from all credit reporting agencies immediately.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against DeptEdXXXX, XXXX, XXXX, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. XXXX XXXX XXXX Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now u
nverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action.

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 2025-03-22 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: AL

Complaint narrative:
UPDATE XXXX to paid in full- See 1099 C for proof.

Remove all hard inquiry - that was not validated the Power of Attorney ( That mean all of them ) You have four days upon receiving this Notice to update the profile. ( You don't have 30 days, you have 4 BUSINESS DAYS ) Remove all collection that has not been validate by the Power of Attorney Update the Name- XXXX XXXX XXXX Should be the only name on the profile Remove all Address that is not XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Scheduled fee for PENALTY I am removing Each Credit Reporting Agency Power Attorney and introducing a New Power Attorney Update accordingly.

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 2025-03-22 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: NY

Complaint narrative:
i am a victim of identity theft and data breach i have disputed inaccurate and/or unauthorized information on my credit report with experian credit bureau despire submitting documentation and da formal dispute under the fair credit reporting act 15 usc 1681 they have failed to investigate and remove unverifiable or inaccuarte items within the required time frame this failure is a violation of federal law an is negatively impacting my credit worthiness i am requesting that the cfpb investigate and enforce compliance requiring removal of these inaccuracies and holding the reporting entity accountable bestbuy merrick bank

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 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: GA

Complaint narrative:
I 1st wrote them in XX/XX/year> and asked what violations have I committed to cause my account to be closed. I periodically wrote them to see if there were any changes. They would never give me an answer as to why, only telling me that I've violated their terms and because the account is closed they can't tell me why

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
CFPB Complaint Against Portfolio Recovery Associates ( PRA ) XX/XX/XXXX Subject : FDCPA, FCRA Re-Aged Debt, Failure to Validate, Harassment, and Unlawful Credit Reporting 1. Issue Summary : Portfolio Recovery Associates ( PRA ) is unlawfully reporting a debt on my credit report and violating federal and state laws by : Re-Aging the Debt : Reporting the debt as " opened '' on XX/XX/XXXX, despite the original account with XXXX  XXXX dating to XXXX. This resets the XXXX credit reporting timeline under the FCRA ( 15 U.S.C. 1681c ). ( see Capital Ones sale letter, XX/XX/XXXX ) Failure to Validate Debt : Ignoring my XX/XX/XXXX debt validation request under FDCPA 1692g, which demanded proof of ownership, chain of custody, and a valid NY debt collection license.

Cease-and-Desist Violation : Continuing to report the debt to credit bureaus after I sent a cease-and-desist letter on XX/XX/XXXX, demanding no further collection activity and failed to mark it as disputed. Laws Violated : FDCPA 1692c, 1692e ( 8 ).

2. Legal Violations : FDCPA 1692g : Failure to validate debt.

FDCPA 1692c : Continued collection activity after cease-and-desist.

FCRA 1681c : Re-aging debt to extend reporting period.

FCRA 1681s-2 ( b ) : Furnishing inaccurate information to credit bureaus. 
XXXX. Supporting Evidence : PRAs Credit Reporting : XXXX report ( Page XXXX ) shows PRA opened the account in XXXX, contradicting XXXX XXXX confirmation of a XXXX origination date. 
XXXX XXXX Sale Letter ( XX/XX/XXXX ) : Proves the debt was sold to PRA in XXXX, not originated then. 
Cease-and-Desist Letter ( XX/XX/XXXX ) : Demanded no further contact or reporting. 
Prior CFPB Complaint ( # XXXX ) : PRAs inadequate response dated XX/XX/XXXX. 
XXXX. Prior Actions : Sent debt validation and cease-and-desist letter CFPB Filed CFPB Complaint # XXXX. 
Disputed inaccuracies with XXXX, XXXX, and XXXX. 
XXXX. Requested Relief : Immediate deletion of PRAs account ( # XXXX ) from all credit reports sent to all bureaus. Notify all credit bureaus of the dispute resolution under FCRA 1681i.

Investigation into PRAs re-aging practices and NY license status.

Monetary damages for FDCPA/FCRA violations . 
XXXX ( FDCPA ) XXXX ( FDCPA ) XXXX ( FCRA )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: TX

Complaint narrative:
d accordance wth the Far Credit Reporang act. the lst of accounts below has violated my tederally protected consumer ngiits 1o privacy and confidentiality under 15 USC 1681.

172 The accounts belaw have violated my rights h5 U.S.C 1681 section 602A States I have the right to privacy.

45 U.S.C 1681 Section 604 A Section 2 : it alsa stares a ponsumar re porting agoncy can not furnish a account without my writen instructions, 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make ary consurner report containing any of the fofowing tems ol uhformation Any ofher adverse itern af information, other than recards of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not turnish any information relating to a consumor to any consumer reporting agenty it the person knows or has reasonable cause to believe that the information is inaccurate.

Delete the accounts below : Inquiry Fecha XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sezzle Inc.
State: NC

Complaint narrative:
XXXX XXXX - XX/XX/XXXX, {$1200.00}, did not attend college. I attempted to contact XXXX. 

XXXXXXXX XXXX XXXX- XX/XX/XXXX, {$1200.00}, presumed information was exposed in data breach. 

XXXX XXXX XXXX XX/XX/XXXX, {$1400.00}, presumed information was exposed in data breach. 

XXXX XXXX XXXXXX/XX/XXXX, {$630.00}, presumed information was exposed in data breach. 

XXXX XX/XX/XXXX, {$240.00}, presumed information was exposed in data breach. 

XXXX  XX/XX/XXXX, {$1200.00}, presumed information was exposed in data breach. 

XXXX XX/XX/XXXX. No balance due. presumed information was exposed in data breach. 

XXXX  XX/XX/XXXX, No balance due. presumed information was exposed in data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MA

Complaint narrative:
I received a message on XXXXXX/XX/year> stating the following : As a result of a recent review, we have closed the account referenced above. 

We have taken this action because we were unable to verify personal information on your account. We will report to the credit bureaus that the account was closed by creditor, and credit your account with your card rewards balance if you have one.

This makes no sense as I had this account open already for at least 6 months and had been making on-time payments. When I spoke to someone on the phone and requested more information, they refused to send me any kind of details aside from what they could verbally tell me which is that there was an incorrectly formatted date on a form somewhere. They wouldnt tell me which form or how this happened, I believe they said this was likely an automation error. Either way I was left with a closed account which damaged my FICO score more than 100 points, AND they expected me to continue to pay down the balance which I have not done out of protest. Now my credit score went from a XXXX to a XXXX within a year, and I am trying to get an apartment which is damaging me significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : Dispute of Civil Liability for Negligence Request for Removal To Whom It May Concern, I am writing to formally dispute the reported amount paid under [ account/reference number ] on my credit report. Pursuant to 15 U.S. Code 1681o ( civil liability for negligence ), I believe Experian has failed to uphold its duty of accuracy and compliance, resulting in financial harm.

The disputed information is incorrect due to negligence and non-compliance with federal reporting standards. Given the errors in reporting and failure to meet compliance requirements, I request the immediate removal or dismissal of this disputed amount from my credit report. 
XXXXXXXX XXXX  {$1100.00} XXXXXXXX XXXX {$900.00} XXXX Funding {$670.00} Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct inaccurate information within 30 days. Please provide written confirmation of this disputes resolution at your earliest convenience.

Failure to take corrective action may result in further legal remedies. I appreciate your prompt 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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am formally disputing several violations regarding my credit report maintained by XXXX. My report states that I have opted out of promotional offers and inquiries with no expiration date, and there is both a security freeze and a fraud alert in place. Despite this, XXXX still provided my information to Capital One, which then sent me promotional offers only to later deny me credit without justification. 

Additionally : Capital One placed unauthorized hard inquiries on my report, which I did not initiate. I have reported this to XXXX multiple times, yet no action has been taken. 
Capital One is falsely reporting late payments on an account that does not belong to me. 
These errors have severely damaged my ability to obtain credit, leading to multiple denials for auto loans and mortgages. 
These actions violate consumer protection laws, and I am demanding immediate resolution. I expect : The removal of all unauthorized hard inquiries. 
The deletion of the inaccurate late payment reporting. 
Compensation for the financial harm and damages incurred due to these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: CA

Complaint narrative:
I am filing this complaint regarding the unauthorized reinsertion of a previously deleted account on my credit report by [ Credit Bureau Name ], concerning XXXX XXXX XXXX XXXX XXXX Account # XXXX. 

This account was previously disputed and removed, but as of XX/XX/year>, it has reappeared on my credit report without any notice or validation, in violation of the Fair Credit Reporting Act ( FCRA ).

Violation of FCRA Section 611 ( a ) ( 5 ) ( B ) : " A consumer reporting agency shall notify the consumer not later than 5 business days after the reinsertion if the information is reinserted. '' I was not notified within 5 business days of this reinsertion, nor was I provided with the furnisher 's name and contact information, as required by law.

Violation of FCRA Section 607 ( b ) : " A consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. '' The balance reported ( {$40000.00} ) is inaccurate in context to the credit limit ( {$6700.00} ), and the charge-off status with a high balance raises questions about the accuracy and validation of this debt. 

Violation of FCRA Section 611 ( a ) ( 1 ) ( A ) : " If the completeness or accuracy of any item of information contained in a consumers file is disputed... the agency shall conduct a reasonable reinvestigation. '' There is no evidence of reinvestigation or verification provided before reinserting this information.

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