vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
I am filing a complaint against U.S. Bank due to the abrupt and unexplained closure of both my checking and savings accounts following the deposit of XXXX paychecks from a consulting engagement. 

I worked with a company for XXXX months and was paid via XXXX checks : {$2100.00}, issued from XXXX  XXXX XXXX, deposited into my U.S. Bank checking account ending in XXXX {$2700.00}, issued from XXXX XXXX, deposited into my U.S. Bank savings account ending in XXXX Both checks were later returned by the issuing banks, though I deposited them in good faith and had no reason to believe they were invalid. I fulfilled my consulting duties and was expecting legitimate payment. 

After the checks were returned, U.S. Bank closed my accounts without warning and has since restricted my access to all funds. I contacted their support line and spoke directly with XXXX, a XXXX in their XXXX Customer Service team, who informed me that they could not provide any timeline for releasing or returning my funds. I have not received a written explanation or formal notice regarding the account closure. 

My most urgent concern is that I am a Social Security XXXX recipient, and my benefits are normally deposited into these now-closed accounts. These benefits are my sole source of income, and I am now at risk of missing mortgage payments, utility bills, and other essential expenses. 

I also attempted to escalate this issue by emailing U.S. Banks executive resolution teams, but both email addresses ( XXXX and XXXX ) bounced back as undeliverable. 

I am a victim of fraud, not the perpetrator. I deposited those checks in good faith after completing real work, and U.S. Banks response has placed me in serious financial jeopardy through no fault of my own.

I respectfully request the CFPBs assistance to : * Ensure U.S. Bank provides a clear explanation of the account closures * Confirm whether any Social Security funds have been returned or held * Ensure I am not negatively reported in XXXX  or credit bureaus for this situation I am prepared to provide documentation including images of the returned checks, proof of deposits, my consulting agreement, and a log of communications with the 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 non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cedars Business Services, LLC
State: PA

Complaint narrative:
Cedars Business Services failed to validate a debt after I requested verification under the FDCPA, but they continued reporting it to credit bureaus. I am requesting the CFPB investigate and require removal unless full documentation is provided. Letters from Cedars and replies are attached as Appendix 1 and 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am submitting this complaint regarding the way XXXX XXXX is reporting a charged-off account on my credit report. The account in question has been charged off ; however, it continues to reflect a current balance due and/or a past-due balance, which is inconsistent with the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, specifically 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), furnishers of information must not report inaccurate or incomplete information to consumer reporting agencies. A charged-off account is considered a closed and written-off debt for accounting purposes. Therefore, it should not continue to show a balance due, as doing so misrepresents the status of the account and misleads potential creditors and other users of my credit report.

It is my understanding that once a debt is charged off, the creditor can no longer report it as a current or outstanding balance. The account should be updated to reflect a {$0.00} balance and no current or past-due balance should be shown.

I am requesting that the CFPB investigate this matter and ensure that XXXX XXXX corrects the inaccurate reporting in accordance with the FCRA. This misreporting may be causing harm to my creditworthiness and may result in further financial impact if not corrected promptly. 

Please advise if any additional documentation or information is needed to move forward with this investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: OH

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-24 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: CT

Complaint narrative:
This complaint is being submitted against Portfolio Recovery Associates , LLC ( PRA ) regarding their continued reporting of a time-barred and unverifiable collection account which violates multiple consumer protection laws and credit reporting standards. 



Account Details : Original Creditor : XXXX XXXX XXXX XXXX XXXX ), XXXX. 
Current Furnisher : Portfolio Recovery Associates , LLC Account Number : XXXX Portfolio Recovery Purchase Date : XX/XX/XXXX Charge-Off Date / Default Date : XX/XX/XXXX Last Reported Balance : {$260.00} Credit Report Status : Open collection account Reported As Of : XX/XX/XXXX Consumer Name : XXXX XXXX XXXX XXXX and Grounds for Deletion : 1. Metro 2 Violation Improper Status Reporting of Time-Barred Debt : This debt was charged off more than six years ago, and according to Metro 2 compliance guidelines, such debts must be reported as closed. PRA is knowingly misreporting the account as open, violating Metro 2 and misleading other data users into believing this debt is still legally enforceable.

2. FDCPA Violations Deceptive Practices ( 15 U.S. Code 1692e ) : PRA is in direct violation of : 1692e ( 2 ) ( A ) Misrepresentation of the character and legal status of the debt 1692e ( 8 ) Communicating false credit information Despite acknowledging in their letter dated XX/XX/XXXX, that they will not sue due to the age of the debt, they continue reporting it as active, creating the false appearance of legal recourse or enforceability. 

3. FCRA Violations Inaccurate and Unverifiable Reporting ( 15 U.S.C. 1681s-2 ) : PRA has not provided sufficient legal documentation or a signed agreement proving this debt is valid or that they have legal authority to report it. This violates the FCRAs duty to report only accurate and verifiable information.

4. Re-Aging Violation Resetting Account Open Date : The account is being reported as Opened on XX/XX/XXXX, which is the date of purchase by PRAnot the date of original delinquency ( XX/XX/XXXX ). This tactic, known as re-aging, is deceptive and explicitly prohibited under FCRA guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am following up on this complaint to ensure that the suspicious and potentially inaccurate information on my credit report is properly investigated and corrected. As outlined under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the credit reporting agencies are required to provide verification of the accounts in question and to investigate any disputed information. 
XXXX XXXX XXXX XXXX XXXX Balance {$0.00}

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 explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-04-24 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: PA

Complaint narrative:
Hi, my name is XXXX XXXX, I am writing to delete the following information in my file. The items to be deleted are listed on my uploaded dispute documentation. The information I have listed on my dispute letter does not belong to me and I would like this information investigated and the items removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: NY

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. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$55.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have had several XXXX card accounts for many years. During COVID, I was forced to be placed on a payment plan which their phone representative offered as an alternative for having decreased income. I was assured that my accounts would remain open and when I paid off my debts I would be able to renew my accounts and maintain my credit history. 
However, I paid my balances and my accounts were closed. I was assured that they would " review '' the phone conversation with the representative that suggested a payment plan, but was never told of the outcome. I called the company several more times, each time being transferred numerous times just to have the member state that they don't have the authority to reinstate my accounts. Similar occurrences happened with several online chats, which eventually told me to call the same number that I had been calling. Several month of this and I've gotten no where with them and they do not have a XXXX account, so this is my only remaining avenue. 
I feel I was taken advantage of during a time of financial need and now the company wishes to deny abiding by their own terms, as spoken to me by the initial representative.

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 2025-04-24 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A screaming employee by the name of of XXXX XXXX very aggressive screaming giving me different info being accusatory pointing fingers then walks in her boss XXXX you saying that to me been here for the same thing then walks in saying you have been here over and over and over again but wasnt clear on the dates and I am sorry that protocol is to go into the bank and verified myself deal with the bank and complain with banks policy. Rude to say the least.mind you we was on the phone with customer service banking .She was rude screaming I am trying to help you. This was todayXXXX 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 explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: LA

Complaint narrative:
I am filing this complaint due to the continued collection activity and reporting of an alleged debt by the above-referenced company, despite my lawful demands for verification and documentation under multiple consumer protection laws. 

I have formally disputed this alleged debt and requested that the company : Provide a certified copy of the original agreement, signed by me, that legally establishes the alleged obligation ; Produce documentation proving mutual acceptance and execution of the contract by both parties, per XXXX contract law ; Provide an itemized accounting of the debt ; Disclose any insurance claims, charge-offs, or XXXX forms related to the account ; Clarify the legal basis for continued credit reporting if the debt has been forgiven, settled, or charged off. 

Despite these lawful requests, the company continues to report inaccurate and unverifiable information to consumer reporting agencies in violation of : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g Truth in Lending Act ( TILA ) 15 U.S.C. 1601 Internal Revenue Code and 26 CFR 1.6050P-1 Louisiana Civil Code, Articles 19271983 Privacy Act of 1974 5 U.S.C. 552a Privacy Act Violation and Opt-Out Notification Additionally, under the Privacy Act of 1974, I submitted a written and signed opt-out request via certified mail to the company, expressly stating the following : I formally opt out of all data sharing with credit reporting agencies, affiliates, third-party collectors, and data aggregators ; I hereby demand that the company cease and desist from reporting or distributing any of my personal, financial, or credit-related information, effective immediately and indefinitely ; I expressly revoke any and all prior consent or authorizations, whether written, non-written, verbal, non-verbal, implied, or assumed, that may have been previously given to the company to report, share, or disclose my personal financial data. 

Despite this lawful and properly delivered notice, the company continues to furnish or update my private financial data to third-party agencies, in direct violation of my federally protected privacy rights and revocation of authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts.

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 2025-04-24 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. After thoroughly reviewing my credit file, I have identified XXXX or more accounts that do not belong to me and appear to be the result of fraudulent activity. 

I am requesting that you immediately investigate and remove this inaccurate and unauthorized information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). These accounts are not mine, and I have never opened them, authorized them, or received any benefit from them. 

Please consider this letter my formal request for deletion of the fraudulent accounts. I ask that you complete your investigation and provide me with a written response confirming the removal.

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 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation