vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 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: TN

Complaint narrative:
I previously disputed the items in question and demanded that they be corrected or deleted. Despite these formal disputes, the company continues to report the same tradelines without providing any fact-based or document-supported justification for doing so.

This ongoing reporting appears to violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) the duty to follow reasonable procedures to assure maximum possible accuracy ; and 15 U.S.C. 1681i the obligation to conduct a reasonable reinvestigation when information is disputed.

If the company asserts that the information was verified, I request full disclosure of the method of verification as required under 15 U.S.C. 1681i ( a ) ( 7 ), including : The exact source ( s ) used to confirm the data ; The name, address, and contact information of the furnisher or third party relied upon ; The date and manner in which the verification occurred ; and The specific basis or documentation supporting the decision to continue reporting the account as accurate. 
Because these tradelines continue to appear without proper substantiation, I am requesting CFPB intervention to ensure compliance and consumer protection. The company must promptly delete or correct any information that can not be verified with competent evidence, and provide written confirmation of both the reinvestigation results and the verification method utilized. 
Disputed accounts that must be blocked/deleted : XXXX. XXXX XXXX XXXX balance {$1300.00} dated opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} dated opened XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint regarding Cash Apps wrongful account closure, ongoing refusal to provide access to my investment assets, and the unlawful blacklisting of my identity. 

Cash App closed my original account on XX/XX/XXXX, claiming activity that violated their Terms of Service. I requested clarification repeatedly and was never provided ANY explanation, example, or evidence of wrongdoing. I did not engage in any fraudulent or suspicious behavior. I used the account ONLY to receive my work direct deposits and send/receive transfers between my husband and children.

Cash App never provided a path to challenge the closure, correct incorrect information, or dispute any flag on my identity. This violates basic consumer-rights expectations and their responsibility to provide a dispute process. 

The larger problem is that Cash App continues to hold investment assets that belong to me.

I still hold stocks through Cash App, including XXXX XXXX, XXXX XXXX, and XXXX, as well as XXXX purchased before my account was closed. In XX/XX/XXXX, Cash App sent me a shareholder notice about upcoming votes related to XXXX which confirms that they still recognize me as the legal owner of these assets. 

However, I can not access, transfer, or liquidate ANY of my securities or crypto because Cash Apps system completely blocks me from logging in. They provided instructions to retrieve my stocks, but when I follow the instructions, the app denies access. There is no alternative method, no phone number, no dispute channel, and no human support to resolve the issue. This violates my rights as a shareholder and consumer and raises serious SEC concerns. 

Cash App has also blacklisted my identity. 
When I attempted to open a separate business account for my legally registered business ( XXXX XXXX ), using a different email address, new EIN, and a different residential address, Cash App automatically denied me. The system provided no explanation and no appeal process. I was not attempting to reopen the old account I was simply trying to process customer payments for my business.

As a result, I have suffered financial losses. I was unable to complete approximately {$200.00} in customer sales because Cash App would not allow me to open a business account, and many of my customers rely on Cash App for payments. 

I am requesting the following resolutions : Immediate reinstatement of my Cash App account OR Immediate release/transfer of all my investment assets ( stocks + Bitcoin ) to a brokerage of my choosing, AND the removal of the fraud/suspicious-activity flag that Cash App placed on my identity. 

Cash App has ignored my repeated attempts to resolve this matter from XXXX through XXXX. I am asking for the CFPBs assistance in compelling Cash App to comply with basic consumer, securities, and business fairness standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
This is hereby ; a certain legal notification, set forth to you hereon ; this day of legal service, XX/XX/year>, as an official party known as a XXXX XXXX  XXXX, XXXX, and a Avant , LLC, formerly Avant Credit, as a private XXXX XXXX, based co., Statement of Claim no.1, This is hereby, a certain legal notice is notifying you that the XXXX XXXX XXXX XXXX XXXX debit card XXXX, was debited, in terms of a certain deduction hereon, a XX/XX/year> ; in terms of in terms of a {$25.00}, and credited to Avant , LLC XXXX acct XXXX ; hereon a XX/XX/year>, as a result increasing, the revenue to {$25.00}, therein an account, so stated in the aforementioned cause or matter hereof this pleading, in accordance, to an Avant , LLC, invoice no. XXXX ; as a result of such on time, as a certain, proper payment method, as set forth, hereon this day of XX/XX/year>, no further transaction, is required, the transaction is an official Credit and Deduction, thats officially has been completed, hereon this day of a XX/XX/year>. 
This is hereby, a certain legal notification, as in fact a certain, Statement of Claim no.2 :, herein conjunction with the above so stated cause or matter pleading, as set forth hereon, this day of a XX/XX/year> ; is pleading ; for a certain affirmation, in terms of an objection ( XXXX ) ; that this so stated pleading ( XXXX ), as set forth, herein, this legal notice, aforementioned, above-named official party actions is either, Correct or Incorrect, also, as either True or False; under a certain Oath as well as, a certain Testimony, hereto this legal cause or matter. Statement of Claim no.3 : In addition, you as an above-named official party must, also hereby plead, that this pleading, is in fact. In conjunction, herewith, and as set forth, hereon, this day of a XX/XX/year> ; as a legal notice, that has been either accepted or denied, as well as properly, or improperly service, hereto you as an official party in the above-mentioned so stated cause or matter, pleading ( XXXX ), hereto this legal notice, all within 72 hrs. hereafter, 72 hrs. of service of this legal notice. Thereafter that pleaded, set, time frame of 72 hrs., then ; it will hereby deem ; in terms of a certain determination, that you as an official party, hereto this legal notice has refused, to hereby properly respond, hereto this legal notice ; also you must service your pleading, as an official party, via legal notification, hereto myself as an XXXX XXXX XXXX XXXX email address : XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: DC

Complaint narrative:
Jefferson Capital System ( Acct : XXXXXXXX XXXX XXXX  ) : * * Currently listed as " Collection '' for an original XXXXXXXX XXXX XXXX  debt of {$940.00}. 

Address : XXXX XXXX XXXX XXXX XXXX MN XXXX. 

XXXX XXXX XXXX ( Acct : XXXX XXXX XXXX  ) : * * Shows a " Charge-off '' status with late payments starting in XX/XX/year>. 

Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. 

XXXX XXXX XXXX XXXX ( Acct : XXXX * * ) : * * Listed as " Collection '' for a XXXX XXXX  debt of {$610.00}. 

Address : XXXX XXXX XXXX XXXX VA XXXX. 
To whom it may concern, I am writing to formally dispute the late payment history and/or collection status being reported for the above-referenced account. This dispute is submitted pursuant to the Fair Credit Billing Act, specifically 15 U.S.C. 1666b. 

According to my TransUnion credit report, your agency is reporting late payments/delinquencies for this account. However, under 15 U.S.C. 1666b ( a ), a creditor may not treat a payment as late for any purposeincluding the assessment of late fees or reporting to credit bureausunless the creditor has " adopted reasonable procedures designed to ensure that each periodic statement... is mailed or delivered to the consumer not later than 21 days before the payment due date. '' I am disputing these late payment marks because I did not receive the required periodic statements at least 21 days prior to the alleged due dates. Because the statutory mailing requirements were not met, any characterization of these payments as " late '' or the account as " delinquent '' is a violation of federal law. 

Account Details from Credit Report : Account Name : [ e.g., Jefferson Capital System or XXXX XXXXXXXX XXXX  ] Reported Status : [ e.g., Collection or Charge-off ] Balance : [ e.g., {$940.00} or {$790.00} ] I request the following actions : Conduct a full investigation into this matter as required by law. 

Provide evidence that billing statements were delivered to me at least 21 days prior to each disputed late payment date. 

Remove all late payment marks and/or collection status from my credit files with XXXX XXXX XXXX XXXX 

Cease all collection activity while this dispute is pending. 

Please provide a written response confirming the results of your investigation and the corrections made to my credit report within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: MA

Complaint narrative:
XXXX fraudulently charged me for a " protection plan '' and then immediately refused to acknowledge when I called them. They refused to replace a stolen phone and instead cancelled my account, but then continued to try and make fraudulent charges. I reported them to the XXXX and Attorney general for breaking consumer protection laws, and they have been rejected by my bank for making duplicate monthly charges. This money is NOT owed to XXXX and is a fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has repeatedly dropped my Equifax score significantly every time positive information hits my report. For instance, not long before Equifax updated a credit line increase of {$600.00} was added to my report lowering my utilization 2 % and one ( 1 ) inquiry fell off my report. Instead of the Equifax score going up as it should have, the latest coding error DEDUCTED XXXX points from my score without justification. This has been happening for several years. Sometimes they give it back, but not after reducing the score first, so in essence they give me nothing. In this particular case my score was XXXX, and it should have been increased not decreased by XXXX points to XXXX. Please help me find a way to stop this erroneous scoring. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: TN

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from 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 2025-12-21 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: TN

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from 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 non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I received a letter that stated I owed {$14000.00} to XXXX XXXX. I have never authorized, used, or received a XXXX XXXX credit card. Clearly this is an identity theft situation. I am lost as to what to do next, and I see my credit report dropped to fair and had a late payment attached and it should be excellent because I only have one credit card, and it always paid on time.

The letter was sent by Radius Global Solutions

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 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: DC

Complaint narrative:
Organizations used illegal information contained in my alleged report without my authorization and against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally notify you that you are to cease and desist all communication with me immediately regarding the above-referenced account.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer requests that a debt collector cease communication, the collector must comply, except to notify the consumer of specific legal actions.

This includes, but is not limited to : Phone calls ( including to XXXX ) Voicemails Text messages Emails Letters or mailed notices You may only contact me to : 1. Confirm that you will cease further communication, or 2. Notify me of specific legal action being taken.

Any further contact beyond what is legally permitted will be documented and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and may result in legal action.

This letter is not an acknowledgment of any debt, nor is it a refusal to pay. It is a lawful request to stop communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Prog Holdings, Inc.
State: MO

Complaint narrative:
I am writing to formally file a complaint against PayWithFour regarding their handling of a dispute related to a XXXX purchase. 

I filed a claim with PayWithFour after part of my XXXX order was refunded due to items being out of stock. Despite the refund from XXXX and my submission of proof showing the order details and refund confirmation, PayWithFour rejected my claim. I was informed that I am not allowed to submit a new claim for another XXXX hours, even though the documentation clearly shows that the charges no longer match the items received. 

Additionally, PayWithFours customer service process is extremely limited. Their customer service phone line does not connect customers to a live agent, making it difficult or impossible to resolve urgent billing issues. I made a good-faith effort to resolve this matter directly with the company, but my claim was still declined without adequate explanation. 

Based on my experience and numerous customer reviews I have read, this appears to be an ongoing issue with PayWithFour. Customers are being charged for items they never received, even when refunds are issued by the merchant. The lack of effective customer support and refusal to properly review documentation creates a significant burden on consumers. 

I am requesting the CFPBs assistance in reviewing this matter and encouraging PayWithFour to correct their dispute process, properly credit refunded items, and improve access to customer support. This situation represents poor customer service and unfair billing practices. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$3300.00}

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