vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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: TrueAccord Corp.
State: FL

Complaint narrative:
TRUEACCORD is reporting an account that is inaccurate, unverified, and not mine. I previously requested full validation of this alleged debt, and they failed to provide the required documentation. I also contacted the alleged original creditor, who could not confirm that this account belongs to me. Despite the lack of verification, TRUEACCORD continues to furnish this information to the credit bureaus, damaging my creditworthiness and reputation. By reporting unverified, inaccurate information and harming my reputation, TRUEACCORD has engaged in abusive conduct. 15 U.S.C. 1692d. TRUEACCORD is reporting this account in a manner that creates the false belief that I am involved in or acknowledge this debt, which I do not. This constitutes the use of deceptive forms. 15 U.S.C. 1692j. This collection agency is known for their illegal and unprofessional practices. This company is known for their tribal lending practices and are not credible therefore their claim of this unverified debt is null and void. I am entitled to damages due to the harm caused by their continued reporting and failure to comply with federal law under section 15 U.S.C. 1692k. TRUEACCORD has failed to validate the debt, can not prove ownership, and is reporting false information in violation of federal consumer protection laws. I am requesting CFPB assistance to resolve these violations and ensure permanent deletion of this account. Remove/delete this account from all credit bureaus immediately. XXXX Cease all reporting and all communication regarding this alleged debt. Provide written confirmation of removal and compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MA

Complaint narrative:
This is a follow-up complaint XXXX because the companys prior written response did not address my request for access to my tax records and contains a legally incorrect explanation. 

I am requesting access to my own federal and state tax filings ( XXXX ) and all supporting documents that were prepared and filed through XXXX XXXX XXXX XXXX Cash App XXXX, under my former spouses account ( XXXX XXXX XXXX, XXXX ). 

These filings contain my personal and financial information, including but not limited to : my Social Security number my name and address my XXXX my employment records my income documentation my federal and state schedules and attachments As a joint filer, I am legally entitled to these records. 


What I requested On XX/XX/year>, I specifically asked Cash App Taxes for : Copies of my full federal and state tax returns ( XXXX ) All supporting documents submitted with the returns ( XXXX, XXXX, XXXX, schedules, attachments, e-file confirmations, etc. ) Written confirmation of whether Cash App Taxes retains custody of these records If not, a written non-custody confirmation identifying the XXXX A litigation hold on my tax data What happened Cash App Taxes responded that they can not verify that I am the owner of the Cash App account and therefore they can not provide any account documentation.

This response is not relevant to my request. 
I am not requesting access to my former spouses Cash App account. 

I am requesting my own federal and state tax filings and my own supporting documents, which contain my XXXX and my employment and income records, prepared through their platform as part of a joint return. 

Cash App Taxes is legally required as an XXXX e-file provider to retain complete copies of jointly filed returns and all supporting documentation ( IRS Publication XXXX ). These obligations apply to both filers regardless of which persons login was used. 

The IRS transcript tool does not provide : the actual filed federal return the state return XXXX XXXX XXXX schedules attachments e-file confirmations Only the e-file provider has those. 

Cash Apps refusal to provide my tax records or confirm custody has not resolved my issue and is causing harm in an active legal matter. 


Harm Cash App Taxes is withholding my own SSN-linked federal and state tax filings and supporting documents. 
This continues to cause : delays in legal compliance inability to access required tax records potential financial harm interference with my ability to comply with court-ordered obligations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I hereby request that this financial institution remove any hard inquiries on my credit reports with XXXX XXXX and XXXX XXXX respectfully. My reason is not based upon any fraudulent activity of any kind. My reason is purely based upon the laws of duplicity from a civil perspective. In each of these hard-hit inquiries I was also reviewed on credit from a soft pull inquiry. In that capacity, what was the legal reasoning on looking over my credit once again where the information is the same. These hard hit inquiries have hindered me from acquiring fair credit offers, thus causing financial hardship. The inquiry or inquiries showing up as a hard-hit must in all fairness be deleted. In addition, whenever I applied for a vehicle loan, several companies filed multiple hard inquiries against my credit report. This is without getting direct authorization from me personally, but from a car dealership. Without direct authorization, the credit hard hit is essentially a pure violation of the Fair Credit Reporting Act and does not pass the Legitimate Business Need smell test. Accordingly, I demand the deletion of all hard inquiries. ALL HARD INQUIRIES MUST BE DELETED ACCORDINGLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information appearing on my Equifax credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
XXXX. Incorrect Name Reported Name : XXXX XXXX Correct Name : XXXX XXXX This is a reporting error. Please correct my legal name to XXXX XXXX as reflected on my government-issued identification. Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to reinvestigate and correct inaccurate personal identifying information within 30 days.

2. Unauthorized Hard Inquiry Creditor : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Inquiry : XX/XX/XXXX I did not authorize or apply for credit with this business. Therefore, this inquiry was made without my consent and constitutes unauthorized access to my credit file under FCRA 604 ( 15 U.S.C. 1681b ). 
Please remove this hard inquiry immediately. 
XXXX. Medical Collection Account Request for Deletion Collection Agency : Credit Bureau XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Original Amount : {$560.00} Account XXXX XXXX XXXX This account is reported inaccurately and in violation of the Medical Debt Reporting Guidelines ( effective XX/XX/XXXX ) and FDCPA 809. Medical debts that are paid, under insurance review, or unverifiable must not be reported. I request removal of this account until full validation is provided. 
XXXX. Debt Validation XXXX XXXX XXXX / XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} Under FDCPA 809 ( 15 U.S.C. 1692g ) and FCRA 611, I request full validation and verification of this alleged debt. Until proper documentation is supplied, this account must be suppressed or deleted. 
Please provide : - Proof of assignment, contract, or full chain of title, including the bill of sale and transfer documents. - Account-level documentation such as signed contracts, original agreement, and complete statements. - Proof of licensing and bonding to collect in the State of Georgia. - Full itemized breakdown of the reported balance, including principal, interest, fees, and other charges. 
Until all requested documentation is supplied and validated, this account is unverified and must be removed from my credit report.

Requested Action Please conduct a full reinvestigation and provide me with : 1. Written confirmation of the correction of my name. 2. Removal of the unauthorized inquiry. 3. Deletion of the unverifiable medical collection account. 4. Removal of the unvalidated XXXX  account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: MD

Complaint narrative:
I XXXX XXXX XXXX SUBMITTING THIS COMPLAINT ON BEHALF OF MYSELF. THIS IS NOW MY THIRD REQUEST, AS MY PREVIOUS TWO HAVE GONE UNANSWERED.

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: NJ

Complaint narrative:
I am submitting this formal request under the Fair Credit Reporting Act, Section 605B, regarding multiple fraudulent accounts listed on my credit file. The following fraudulent accounts appear on my credit report : XXXX Account XXXX. XXXX Date Opened XXXXXXXX XXXX XXXX Account No. XXXX Date Opened XXXX, XXXX XXXX Account No. XXXX Date Opened XXXX. These accounts were created using my personal information without my knowledge or consent. I am a victim of identity theft and had no participation in the establishment or use of these accounts. This information does not belong to me and should not be associated with my credit profile. Pursuant to FCRA 605B, I am requesting that these items be blocked from my credit report immediately and permanently removed from all future disclosures. Enclosed you will find the required identity theft documentation, including : A copy of my government-issued ID A bank statement as proof of address A copy of my SSN card A completed and signed FTC Identity Theft Report Please process this request without delay. Under federal law, the items must be blocked from my file within 4 business days of receipt of this notice and supporting documentation. If you require any additional information to fulfill this legal obligation, please contact me at the mailing address provided.

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 2025-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: ND

Complaint narrative:
Theyre saying im in debt for {$9200.00}, Ive paid over XXXX dollars on the car and had issues after only 6 months to the point where it stopped working and the company didnt care to help me with getting a new car or taking it back. I do not owe XXXX dollars thats how much the car was originally.

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 2025-11-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
My vehicle was picked up without any prior notice while I was at work. I had a payment pending at the time, and I was not informed of any repossession, late payment issue, or lease termination problem. When I went to the tow yard to recover the vehicle, I was told that the dealership had ordered the pickup and that the vehicle was being sent to auction. I contacted the dealership to ask why the vehicle was taken without any notice and why my payment was not processed or considered before they took action, but I have not received a clear explanation. I am requesting an investigation and a full explanation from the company, including documentation showing who authorized the pickup, why I was not notified, and why the vehicle was immediately set for auction.

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 2025-11-16 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: WA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that she will investigate these items for me to ensure accuracy. Heres the item I asked you to verify accurate. 

XXXX XXXX  Account number 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 2025-11-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
My rights were violated as a consumer under 15USC1681B and I need them blocked and deleted from my report ASAP

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 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy federal credit union froze my account saying multiple stories of why my funds or frozen, saying a check in my account from over a yr ago is not good, the checks have been deposited and cleared that was from over a year ago, multiple agents had said different stories and all checks are good and was cleared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
XXXX AMOUNT XXXX i did not open this account. identity theft

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 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
To Whom It May Concern : I am formally notifying you that the American Express accounts you are attempting to collect, pursue, or threaten legal action on were opened fraudulently, without my knowledge or consent. These accounts are the result of identity theft, and you are in violation of multiple federal and state consumer protection laws by continuing to pursue me.

I have already provided and filed : - A police report documenting identity theft - An FTC Identity Theft Report - Multiple disputes with XXXX XXXX, and XXXX - Proof that fraudulent addresses were used to open these accounts - Proof that American Express accounts were previously removed and then reinserted without the required notice, violating FCRA 611 ( a ) ( 5 ) ( B ) I did not open these American Express accounts, I did not authorize them, and I have never lived at or been associated with the fraudulent addresses these accounts are tied to.

Under federal law including FCRA 605B, FCBA Regulation Z, FDCPA, and the Texas Debt Collection Act you are legally required to : 1. Immediately CEASE all collection activity This includes calls, letters, emails, reporting, or threats of legal action.

2. Immediately CEASE any pre-legal or legal threats Attempting to sue a victim of identity theft is illegal and exposes you to federal and state liability.

3. Provide ALL account documentation, including : - All original applications - IP addresses used - Phone numbers used - Email addresses used - Physical location data- Device identifiers- Chain-of-custody records - Any signatures allegedly tied to me 4. BLOCK all reporting and collection efforts Per FCRA 605B and confirm in writing that ALL fraudulent accounts have been removed and collection has been terminated.

Failure to comply within 15 days will result in immediate complaints filed with : - CFPB - Texas Attorney General - BBB - FTC - And evaluation of a private right of action under FCRA 616617 and FDCPA 807813 You are hereby on notice that I will not hesitate to pursue full damages if you persist in illegally pursuing an identity-theft debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Finance of America Holdings LLC
State: CA

Complaint narrative:
My husband and I lost our home to the XX/XX/year> Wildfire in XXXX, XXXX.We contacted our mortgage company, Finance of America immediately and received a letter indicating the information needed from us. Understand, we are in the mist of confusion, homelessness, trying to figure what is needed and how to rebuild our home of XXXX years. Everything was lost. Our insurance sent the amount for the rebuild and we forwarded it to Finance of America in XXXX, XXXX. Now, after acquiring an Architect, Structural Engineer, Contractor, with money from our personal bank account, plans submitted, we are now ready to rebuild. We have yet to receive the funds. We have no knowledge of how this process works and feel that Finance of America is making us jump through extra hoops, when we called, they claimed that they hadn't received anything from us and as we were on the phone, they kept saying that the documents we sent were being uploaded into the system. 
We didnt care for the attitude or customer service we were receiving, we were told : that Finance of America had to do an assessment of our property, had to get approval from HUD that it was o.k . for us to rebuild and everything would be delayed due to the government shutdown. 

Finance of America has had the insurance check since XXXX, 2025, why is all this stuff needed to be done now when we are ready to rebuild. We are already stressed beyond our limit and don '' t have money to hire an attorney. 

Our permit was approved, and the contractor has been trying to get the funds needed to start the rebuild. Finance of America keeps adding loopholes and extra stuff. We are really at witsend. We want to be in our own home. We have been living in XXXX XXXX and was to move back to XXXX to be closer to our home in XXXX during the rebuild process. We need someone to provide the guidance and give us the tools to get the funds from our mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I had open a XXXX credit due to XXXX  I had lost about and wanted to get something for my children on XXXX I was XXXX XXXX  with XXXX XXXX XXXX  so I apply I got approved I got my kids some gift I was paying back but unfortunately I got sicker and could work XXXX sent my debt to portfolio recovery my financial situation got worse I depended on family for help they try to sue me I got XXXX  so I paid them with my son XXXX who is XXXX unfortunately I am not allowed to do that the calls kept coming in day in and night even weekends I am now scared I been XXXX  by them before I spoke I even send letter with my XXXX  and explained why am behind and they still call me on Sundaysi have nothing to my name no money no job I they said they where going to take my son XXXX money is that even legal o am XXXX  please help that all I have to pay what I can

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
As of XXXX I notice a false derogatory item on my credit report for the amount of XXXX. Additionally I would like to implement The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. The information on my credit report is false and inaccurate.

Company response to consumer: Closed with explanation