vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WY

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
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Formal Legal Dispute Letter [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX Florida XXXX ] [ XX/XX/XXXX ] [ Experian [ XXXX XXXX XXXX ] [ XXXX, TX XXXX ] Re : Formal Dispute of Credit Report Entry Pursuant to 15 U.S.C. 1681i Dear Experian ], NOTICE IS HEREBY GIVEN that I am disputing the following entry on my credit report, which is being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

- Account Name : [ XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Date of Entry : [ XX/XX/XXXX ] - Reason for Dispute : This entry is inaccurate because Payments and balance Pursuant to 15 U.S.C. 1681i, I demand that you conduct a reasonable investigation into the accuracy of this entry and correct the error. I also demand that you delete the entry from my credit report if it can not be verified. 

Please respond to this dispute in writing, as required by 15 U.S.C. 1681i, and provide me with the results of your investigation. If the dispute is resolved in my favor, please provide me with a copy of the updated credit report. 

Sincerely, [ XXXX XXXX ] - 15 U.S.C. 1681i : Procedure in case of disputed accuracy - FCRA : Regulates credit reporting agencies and provides consumer protections

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 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
On XX/XX/year> XXXX of my clients used Venmo tap payment for services provided. The amounts were {$140.00} and {$24.00}. 

On XX/XX/year> I had another client use Venmo tap for services provided in the amount of {$170.00}. 

When Venmo tap is used there is a notification that states it can take up to XXXX min to process. It has now been almost XXXX weeks and the payments still show up as " pending ''. I have contacted Venmo customer service around XXXX to 6 times and they keep saying they don't know what's wrong and they dont know when the issue will be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
This is not a mistake. My credit report contains inaccurate information that is causing significant, ongoing harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-02 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: WI

Complaint narrative:
I am submitting this formal complaint regarding several accounts appearing on my credit reports that I believe are inaccurate, unverifiable, misleading, and reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and/or the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 

Below are the accounts in question : XXXX XXXX High Balance : {$240.00} Date Opened : XX/XX/XXXX Reported as Charge-off XXXX XXXX XXXXXXXX High Balance : {$120.00} Date Opened : XX/XX/XXXX Reported as Late Payment XXXX XXXX High Balance : {$7500.00} Date Opened : XX/XX/XXXX Reported as Late Payment XXXX XXXXXXXX High Balance : {$330.00} Date Opened : XX/XX/XXXX Reported as Charge-off XXXX XXXX XXXX XXXX High Balance XXXX {$850.00} Date Opened : XX/XX/XXXX Reported as Collection XXXX  XXXX High Balance : {$440.00} Date Opened : XX/XX/XXXX Reported as Collection XXXX XXXX XXXX XXXX High Balance : {$100.00} Date Opened : XX/XX/XXXX Reported as Collection Reasons for Complaint These accounts contain reporting errors and inconsistencies that do not align with my records or with permissible reporting standards. 

Certain tradelines show duplicate, misleading, or unverifiable reporting, which unfairly damages my creditworthiness. 
The furnishers and debt collectors have failed to provide proper validation, as required by FDCPA 809 and FCRA 623.

In some cases, balances, dates, and statuses appear internally inconsistent and inaccurate, suggesting reporting negligence or willful misconduct. Requested Action I respectfully request tha
t the CFPB : Investigate these accounts with the creditors, furnishers, and debt collectors named above.

Require the furnishers to provide documented proof of accuracy and validity, or otherwise remove these entries.

Ensure all reporting agencies are held accountable for compliance with the FCRA and FDCPA. 

Remove or correct any information that is inaccurate, unverified, or misleading. 

Conclusion The continued reporting of these questionable tradelines is causing significant financial harm, including denial of credit opportunities, increased interest rates, and reputational damage. I assert my rights under the FCRA and FDCPA and demand that this matter be addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: WI

Complaint narrative:
I am submitting this formal complaint against multiple furnishers and debt collectors for serious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following accounts are being reported inaccurately and have caused substantial harm to my credit profile, reputation, and financial stability : XXXX XXXX High Balance : {$240.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX High Balance : {$120.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX  High Balance : {$7500.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXXXXXX High Balance : {$330.00} Date Opened : XX/XX/XXXX Charge-Off XXXX XXXXXXXX High Balance : {$440.00} Date Opened : XX/XX/XXXX Collection XXXX XXXXXXXX High Balance : {$850.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXXXXXX High Balance : {$200.00} Date Opened : XX/XX/XXXX Collection Grounds for Complaint : Inaccurate & Unverified Reporting These furnishers have failed to provide documented proof validating the alleged debts as required under the FDCPA ( 15 USC 1692g ) and FCRA ( 15 USC 1681i ). Without validation, continued reporting is unlawful. 

Multiple Errors & Duplications Some accounts appear to be duplicated and/or misreported, inflating my debt profile unfairly. This practice creates misleading information, directly violating FCRA 607 ( b ).

Failure to Investigate Disputes Despite prior disputes, these creditors and collectors have continued reporting without conducting proper investigations, violating FCRA 611 ( a ).

Unfair & Deceptive Collection Practices Reporting unverifiable, inaccurate, and outdated information is a deceptive collection tactic, prohibited under FDCPA 807.

Requested Resolution : Immediate removal of all unverified, inaccurate, or duplicative accounts listed above.

Full reinvestigation of each account in compliance with FCRA timelines and requirements.

Written confirmation from each furnisher/debt collector that the accounts have been deleted or corrected.

Assurance that these companies will cease any further unlawful or misleading reporting practices.

These inaccurate entries have severely damaged my creditworthiness, denied me fair access to credit, and caused significant emotional and financial distress. I request CFPBs urgent intervention to ensure compliance with consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I recently filed an application for the XXXX XXXX XXXX credit card. I don't remember the exact date, but I got the denial letter on XX/XX/year>. It said that my application was denied because my " credit report shows insufficient credit history ''. The decision was based " in whole or in part '' on a report from TransUnion. 

I have over a decade of credit history and have XXXX debts from any of my XXXX credit cards that I pay off multiple times throughout each month. 

Despite this situation, I was told the denial was for insufficient credit history. After many phone calls with automated messages that led nowhere, I was able to talk to someone from XXXX who informed me that the issue I was facing had to be dealt with through TransUnion. After many more phone calls that ended before I could even get to a person, I finally got in touch with a chat representative. She informed me that I needed to talk with XXXX........ 

So I got with a chat representative from XXXX, who told me I needed to call a number I had attempted to call already several times. I asked if she could forward me to someone who could help, but she could not. While the letter states that I can request information contained in my credit file, I can't seem to get a hold of anybody who can provide that because all the automated systems lead straight to ending the call without connecting me to a 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 2025-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Formal Complaint and Dispute of Debt Collection Portfolio Recovery Associates To Whom It May Concern : I am filing a complaint against Portfolio Recovery Associates , LLC ( PRA ) regarding their attempts to collect on an alleged debt they claim is owed to XXXX. I dispute the validity of this debt and request the Bureaus assistance in investigating their conduct.

Portfolio Recovery has initiated legal action against me without providing adequate documentation to validate the alleged debt, including proof of ownership, a complete account history, and evidence that they are legally entitled to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request proper debt validation. Despite this, XXXX continues collection efforts and litigation, which I believe is unlawful. 

It is important to note that XXXX has previously been sued by the CFPB and other regulators for similar misconduct. In XXXX, the CFPB entered into a consent order against XXXX for suing consumers without proof of debt and pursuing time-barred debts, resulting in significant penalties. More recently, in XXXX, the CFPB filed another lawsuit against XXXX alleging repeated violations of federal law by continuing to engage in deceptive collection practices even after the prior enforcement action. 

Given this documented pattern of abusive and deceptive behavior, I have reason to believe XXXX is once again violating consumer protection laws in my case. 

Accordingly, I respectfully request that : Portfolio Recovery cease all communication with me except as permitted under the FDCPA. 

XXXX be required to provide full and complete validation of the alleged debt, including original agreements, account statements, and proof of assignment. 

The CFPB investigate PRAs conduct in this matter given their history of enforcement actions and ongoing violations. 

Until such validation is provided, I dispute this debt in its entirety and request that XXXX be barred from continuing litigation or reporting this debt to credit bureaus. 

Thank you for your attention to this matter. I request that the Bureau hold XXXX accountable for its unlawful practices and protect consumers like myself from further harm. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: RI

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint and request for investigation against National Credit Association XXXX XXXX XXXX regarding an alleged debt that is being reported inaccurately and in violation of my rights under federal law. 
Background * National Credit Association/ XXXX XXXX XXXX Amount : {$860.00} XXXX Credit Report Agencies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nature of Dispute 1. Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681s-2 ) : The information being furnished is inaccurate and incomplete. I have disputed this debt with the credit bureaus, yet the furnisher has failed to provide verified, accurate documentation as required. 
2. Violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) : Under Section 809 of the FDCPA, I have the right to request validation of the alleged debt. To date, I have not received proper validation, such as a copy of the original signed contract, itemized accounting, or proof that the debt is legally enforceable. 
XXXX. Failure to Provide Proof of Ownership / Assignment : The debt collector has not shown legal standing or proof of assignment from the original creditor, yet continues to report and attempt collection. 
Requested Action * That the CFPB investigate this matter immediately.

* That the furnisher/debt collector be required to provide full validation of the alleged debt, including original signed agreements and proof of legal ownership.

* That, if such validation can not be provided, the debt and any related negative reporting be deleted from all credit reporting agencies in accordance with the FCRA. 
* That enforcement actions be taken against the furnisher for failing to comply with federal law.

Enclosures * Copies of my dispute letters sent to [ credit bureaus/collector ] .

* Credit reports showing the disputed account.

* Any correspondence received from the collector. 
I am exercising my rights under the FCRA and FDCPA to dispute this debt. Please confirm receipt of this complaint and advise me of the next steps in your investigation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit has not served me for garnishment to give me the opportunity to provide a statement and plea my case in court, therefore lied to the judge and got a court order to garnish my wages. They need to stop collecting immediately, because they did not serve me. It states that I was personally served, which I did not even live at that address, at that time. They show that the old address I lived at 2 years ago is where they tried serving me at. They have not provided validation or any information that I have requested to this debt nor have responded. They are taking more than 25 % of my income leaving me with no way to provide for my children. Also, they are in violation of the FCRA. I demand immediately, that this to be removed and further collection on this account to cease! 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive identified collection accounts on my credit report that I believe contain inaccurate details. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is accurate and verifiable. I am requesting a review of these accounts, and if they can not be verified, they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
Response to Duplicate Dispute Determination This is not a duplicate complaint. My original dispute involved XXXX fraudulent accounts. XXXX were properly deleted, but this third account ( XXXX ) remains on my reports despite being part of the same fraud incident. 

The remaining account is still inaccurate and inconsistent : TransUnion shows the account as XXXX with no dispute notation. 
Equifax shows it as Closed and under dispute ( Consumer disputed reinvestigation in progress ).

These contradictions between CRAs demonstrate that the information is not accurate or consistent. Because my fraud claim was substantiated on the other two accounts, this final account must also be fully investigated and removed.

This is not a duplicate filing but a continuation of my unresolved dispute. I request a full reinvestigation in compliance with FCRA 607 ( b ), 609, 611, and 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation