vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequium Asset Solutions, LLC
State: CO

Complaint narrative:
I settled my XXXX XXXX XXXX XXXX  account XXXX Sequium Asset Solutions XXXX XX/XX/XXXX for {$1400.00} ( see attached payment receipt and settlement letter dated XX/XX/XXXX ). Despite this, XXXX  continues to report the account with contradictory derogatory statuses that do not reflect the settlement. 

On XX/XX/XXXX, I disputed this account with XXXX, providing settlement documentation. Rather than correcting the account, XXXX  issued an alert calling the account an Improved Account. However, the alert shows the tradeline was reported by XXXX, proving XXXX  did not conduct its own independent reinvestigation, but simply mirrored another bureaus inaccurate data. The payment status still shows charge-off/collection, even though the account was settled more than a year earlier. 

This is deceptive and misleading. Experian is attempting to frame a derogatory charge-off as an improvement, while continuing to allow inaccurate data to harm my credit. This behavior is insulting and undermines my right to accurate reporting under FCRA 607 ( b ). 

Additionally : XXXX XXXX XXXX  originally serviced this account but admitted in writing that it was transferred to XXXX  in XX/XX/XXXX, meaning they no longer have authority to furnish it. 

Sequium Asset Solutions acted only as a collector for XXXX, confirmed the settlement, and admitted they do not report tradelines. 

Despite these confirmations, XXXX  has not updated or deleted the tradeline and continues to show it under XXXX with derogatory coding. 


I should not have to dispute the same account repeatedly across multiple companies just to have a settled account reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: CA

Complaint narrative:
I contacted Netspend that the charges were not authorized i have replaced my debit card with Netspend to prevent these charges and Netspend continues to allow these fraudulent signature charges. Below is what i sent Netdpend Claim for Disputed chargess Again I am disputing the charges from the dates below. Plesse file a dispute claim for charges listed below. They are as follows : XXXX {$7.00}. XXXX XXXX XXXX {$12.00} XXXX XXXX XXXX {$69.00} XXXX XXXX XXXX {$64.00} XXXX XXXX As of XXXX this company XXXX as tried once again to get more money off my account. 
For XXXX of XXXX  my card of use ended with XXXX For XX/XX/2025 my card of use ended with XXXX. 
AS OF XX/XX/2025 I HAD TO GET A NEW CARD AGAIN. 
I am asking that you block this company from taking money off my account, I have asked for the charges to be reversed and keep changing my card with Netspend but Netspend keeps allowing these charges to go thru. Please refund my money to my account. They have never had conscent to charge my credit card and they are not Signature purchases. All charges allowed to go thru have different ending card numbers please block them from charging my account and also credit my account back for these fraudulent charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: CA

Complaint narrative:
I've been trying to access my money since XXXX now XXXX XXXX has XXXX mrhs of my money and still won't release my funds I've spent over XXXX hrs on hold and emailed at least XXXX times the stuff they've asked for and still no help and no money I'm fixing to lose my place to live because of this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Credit score declined by XXXX points- due to inaccurate information of balance - balance is at {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: MicroBilt / PRBC (formerly CL Verify)
State: NJ

Complaint narrative:
The Consumer Reporting Agencies ( XXXX XXXX XXXX XXXX, XXXX, MicroBilt, XXXX  ) are each violating the Fair Credit Reporting Act ( FCRA ) by maintaining inaccurate, incomplete, and misleading tradelines in my consumer credit files. This violates 15 U.S.C. 1681e ( b ), which requires CRAs to follow reasonable procedures to assure maximum possible accuracy. Despite multiple disputes, the CRAs have : Failed to conduct reasonable reinvestigations as required by 15 U.S.C. 1681i ( a ) ; Reinserted or continued to publish inaccurate information without proper certification under 1681i ( a ) ( 5 ) ; Ignored evidence of discharge, transfer into trust ownership, or non-collectibility of debts ; Relied on furnishers who themselves are in violation of 1681s-2 ( b ) by failing to investigate. This is not an isolated mistake. It reflects a systemic breakdown of CRA procedures which Congress explicitly sought to prevent when it enacted the FCRA. The law requires maximum possible accuracy, not mere minimum compliance. Courts have consistently held that inaccurate reporting of charge-offs, discharged debts, and uncollectible accounts violates the FCRA. The CRAs actions have caused and continue to cause irreparable harm, including : Denial of housing and credit opportunities ; Increased costs of borrowing and insurance ; Damage to my professional and personal reputation ; Emotional distress and loss of economic opportunity. These harms can not be remedied by money damages alone once false data is published, the damage is ongoing. In equity, this is equivalent to a cloud on title, which courts will not permit to persist. CRAs are federally regulated entities. Their failure to maintain accuracy and reinvestigation procedures undermines the integrity of the entire consumer reporting system, and by extension, the banking and credit markets regulated by the OCC, FTC, and CFPB. If CRAs are permitted to ignore 1681e ( b ) and 1681i ( a ), then every consumers access to fair credit is compromised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
In XX/XX/year> there was a missed understanding with some checks that were false they were XXXX checks of {$900.00}. I deposited these checks under cash app and XXXX. No actions were taken until my bank clocked my banking account and thats when I found out it was a fraud. I would like to see if I could recover these transactions, in total of money is {$3000.00} of trying to recover. These were transferred to XXXX  and were sent. Id like to see if I could get these back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I DID NOT AUTHORIZE ALL THESE INQUIRES OTHER THAN THE MERCHANTS THATS EXPOSED ON MY CURRENT BUREAU REPORT FROM ALL 3 CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am filing this complaint against Experian for failure to remove or correct inaccurate information from my credit report despite multiple formal disputes. The account from XXXX was charged off in the past ( XX/XX/year> ) but continues to report monthly charge-offs on a closed account, damaging my credit. 

I provided sufficient documentation and requested reinvestigation under FCRA 611 on two different occasions. Experian claimed to have verified the account but made no corrections and did not resolve the reporting issue. 

This continued reporting of charge-offs on a closed account is misleading, inaccurate, and a clear violation of the Fair Credit Reporting Act. It lowers my credit score and misrepresents my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Our Chase Visa Card was stolen on XX/XX/XXXX in the morning and we reported it stolen on the same morning and received a confirmation from Chase that the credit card was locked. A purchase of {$9800.00} was made on the stolen card that morning. Chase says that we approved the purchase. We did not approve the purchase on our stolen card and we have told them that- They opened an investigation and said that we gave authorization to the user involved in this transaction therefore we had to pay {$9800.00}. We gave them a written report of theft from the XXXX where it was stolen. Chase reviewed the case again and said we must pay the {$980000.00}. WE DID NOT Authorize this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
Someone filed bankruptcy without my knowledge or permission or consent it was 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 non-monetary relief
Consumer complaint received 2025-08-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Someone filed bankruptcy without my knowledge or permission or consent it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX. 
XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX  This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : A debt collector/buyer must be bonded and licensed by the XXXX XXXX XXXX XXXX XXXX 
The debt must be legally collectible within the states jurisdiction where the creditor resides. 
Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXX XXXXXXXX. 
Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
This company has posted one or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under XXXX. 
Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX  and XXXX XXXX respectively. 
DELETE THIS ILLEGAL COLLECTION IMMEDIATELY AND PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: GA

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 

Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : Creditor XXXX : XXXX XXXX, Date of Inquiry : XX/XX/XXXX Creditor XXXX : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor XXXX : XXXX XXXX, Date of Inquiry : XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : - Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
- Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

- Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

- Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

- Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery has been reporting on my credit the sum of {$580.00} XXXX XXXX, XXXX. 
Portfolio Recovery has been reporting on my credit the sum of XXXX XX/XX/XXXX. I have sent several letters and they have ignored my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Subject : Formal Complaint Against Equifax and XXXX XXXX  for Improper Reinsertion of Unverifiable Bankruptcy Record Violation of FCRA 1681i To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding Equifax and XXXXXXXX XXXX XXXXXXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( a ) ( 5 ) ( B ), in connection with the handling of a bankruptcy record on my credit report. 
On XX/XX/year>, Equifax deleted a bankruptcy entry from my credit file after deeming it unverifiable. This action was appropriate and consistent with FCRA guidelines. However, on XX/XX/year>, Equifax reinserted the same bankruptcy record, allegedly furnished by XXXX XXXX, without providing the required notice or documentation. 
This reinsertion constitutes a clear violation of FCRA 1681i ( a ) ( 5 ) ( B ), which mandates that : A consumer reporting agency may not reinsert the information into a consumers file unless the furnisher of the information certifies that the information is complete and accurate. The agency must also notify the consumer within 5 business days of the reinsertion.

The fact that this bankruptcy was previously deemed unverifiable and removed, only to be reinserted two days later without following the legally mandated procedures, is both unlawful and damaging to my credit profile. This conduct undermines the integrity of the dispute process and violates my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am formally disputing the accuracy of the following account appearing on my Experian credit file : Collection Agency : Credit Collection Services Original Creditor : XXXX XXXX XXXXXXXX XXXX 

Balance Reported : {$140.00} Date Opened : XX/XX/XXXXXXXX  Status : Collection account, reported past due as of XX/XX/XXXX On Record Until : XX/XX/XXXX Basis for Dispute : Unverified Reporting : The account is reported without sufficient verification. Under 15 U.S.C. 1681i, the CRA must reinvestigate disputed information unless it is verified with documentation from the furnisher. To date, no such validation has been provided. 

Incorrect Payment History : The account shows multiple C notations ( collection status ) across XXXX and XXXX, despite no evidence of monthly activity. Collections are not installment accounts and should not display recurring late payment history, which misrepresents the true nature of the debt and artificially lowers my credit score. 

Inaccurate Date of First Delinquency ( DOFD ) : The file suggests continued delinquency into XXXX, but no actual payment activity or billing has occurred. The true DOFD should reflect when the debt first became delinquent with the original creditor ( XXXX ). Extending the reporting period beyond the legal 7-year limit violates 15 U.S.C. 1681c ( a ) ( 45 ). 

Balance Reporting Issues : The balance has remained unchanged at {$140.00} for over 18 months, yet the account is still being reported as currently past due. This is misleading and violates the standard of maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Requested Action : I demand a full investigation into this account. Unless Experian can obtain documented evidence directly from the original creditor ( XXXX ) proving the accuracy of all reported information, the account must be deleted immediately from my file. 

Please provide written confirmation of the results of your reinvestigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I reviewed my XXXX  credit report and found inaccurate reporting related to credit card accounts and collections. The accounts are not reporting 100 % accurately and violate the Fair Credit Reporting Act ( FCRA ) Section 611. These errors include charge-offs, late payments, and collections that are misrepresented or unverifiable. 

I am requesting that these items be investigated and corrected, or removed entirely if they can not be verified for accuracy. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is a result of that XXXX.

Disputed Accounts XXXX XXXX XXXX XXXX o The business credit agreement showing it should report to the business and not personal credit. 
XXXX XXXX XXXX XXXX o The business credit card agreement showing it should report to the business and not personal credit. 
XXXX XXXX XXXX XXXX XXXX o This account does not belong to me. 
XXXX XXXX o There is inaccurate information regarding this student loan account. 
XXXX XXXX XXXX o There is inaccurate information regarding this student loan account. 

Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is a result of that XXXX.

Disputed Accounts XXXX XXXX XXXX XXXX o The business credit agreement showing it should report to the business and not personal credit. 
XXXX XXXX XXXX XXXX o The business credit card agreement showing it should report to the business and not personal credit. 
XXXX XXXX XXXX XXXX XXXX o This account does not belong to me. 
XXXX XXXX o There is inaccurate information regarding this student loan account. 
XXXX XXXX XXXX o There is inaccurate information regarding this student loan account. 

Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation