vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.
State: CA

Complaint narrative:
Hello CFPB, I've been a Blockchain.com customer for many years now. I'm a verified user, meaning that I have provided identification and have upgraded access to their exchange and can deposit and withdraw larger amounts of money ( XXXX XXXX XXXX XXXX ). I've never had an issue with their services. 6 days prior to the issue I'm facing now, I sold my bitcoin and initiated a {$25000.00} withdrawal to my bank account, which was successful after 1 day. However, on XX/XX/XXXX, when I attempted to withdraw another {$25000.00}, after 3-4 days ( the expected timeframe for a wire-transfer ), the withdrawal transaction was still pending. The daily withdrawal limit is {$100000.00} so I was way lower than the limit. Over the next couple of days, I initiated more withdrawals ( all under the {$100000.00} limit ) hoping that they would succeed eventually. However, now over a month later since my first withdrawal, the withdrawals are still pending ( transactions attached ). I've contacted support about 2 weeks ago after seeing no improvement, and support was initially nice and friendly. However, the communication became vague and very untransparent when I sent follow up emails. They would always say that a " dedicated team '' was looking at the problem but couldn't give an estimated timeframe or what the issue was. After about 2 weeks of such emails ( XXXX XXXX  ), I've become increasingly frustrated as the problem hasn't been solved and my money is still missing. I'm beginning to think that they are purposely withholding my money and trying to fraud me. I am hoping that by submitting this complaint, you can require Blockchain.com to resolve this issue with a valid and timely solution that gets my money back. 

All relevant sources have been attached. If more information is needed, please let me know! 

Thank you so much for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
1. Collection Added Date range : Between XX/XX/year> and XX/XX/year> A new collections account was added to your credit report. 

The original creditor was XXXX XXXXXXXX. 

The account was reported as derogatory, which can negatively impact your credit score. 

XXXX. Collection Removed Same date range : Between XX/XX/year> and XX/XX/year> The same collection account from GENESIS CREDIT MANAGEMENT LLC was removed from your credit report.

Reinsertion Without Notice ( FCRA 611 ( a ) ( 5 ) ( B ) ) : If a collection account is removed due to a dispute, the credit bureau can not reinsert it unless : The furnisher ( like the collection agency ) certifies the information is accurate, and The bureau notifies you in writing within 5 business days of the reinsertion. 

If they did not notify you, that is a clear FCRA violation. 

Re-aging the Debt : If the collection agency re-added the account with a new date to make it appear more recent, this is called " re-aging '' which is illegal. 

Duplicate Reporting : Sometimes the same debt is reported more than once under slightly different names. This can unfairly hurt your score and might be grounds for dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: NC

Complaint narrative:
Cash App account was opened without my consent. My credit is locked at the XXXX major credit bureaus. I received an unsolicited debit in the mail and contacted Cash App to investigate and close the account. A case number was opened by Cash App to investigate ( XXXX ), but I am not willing to provide more information the account because I am skeptical. The customer service rep requested pictures of the front and back of the debit card, but this would have allowed someone to activate it, so I declined to provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
BANKRIPTCY US XXXX DID NOT VERIFY ACCURATE ACCOUNT XX/XX/XXXX FILED DISPUTED XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRES 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 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 .. XX/XX/XXXX .. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX never late shows late XXXX and XX/XX/XXXX AccountsXXXX XXXX XXXX XXXX XXXX XXXX  not mine Dept of XXXX only suppose to be one account not 28

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am filing this complaint to request the immediate deletion of the XXXX  tradeline from my credit report. This account ( ending in XXXX ) is inaccurately and unfairly reporting a charge-off of {$810.00} even though the associated collection account from XXXX XXXX XXXX XXXX XXXX deleted as a result of a previous CFPB complaint due to inaccurate and unverifiable reporting. 

The fact that the debt has been dismissed and is no longer collectible means that this original creditor tradeline is unsupported, inaccurate, and misleading. XXXX is reporting a {$0.00} balance, no payments, and a charge-offwithout any underlying valid debt or current creditor to verify the accuracy of this record. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to a fair, accurate, and verifiable credit report. Since this debt was already deemed unverifiable and the collection removed, the original charge-off must also be removed. Keeping this account listed is a violation of my consumer rights.

I am only seeking full deletion of this tradeline from all credit bureaus. I do not accept any corrections, updates, or balance modifications. 

I have attached screenshots showing the charge-off with {$0.00} balance and no payments, along with the date of deletion of the XXXX account .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am disputing a debt related to a former XXXX account that has now been sent to collections. XXXX charged me for the full retail value of phones that were returned in a timely manner. We returned the devices properly and in working condition using protective packagingbut XXXX claims the return was invalid solely because we did not use the original cardboard boxes the phones came in. 

We were never clearly told that returning the phones in generic shipping boxes would result in the full charge for the equipment. There were no warnings on the return instructions stating that original boxes were required for credit. We returned the devices in good faith, following the process as best as we could. 

XXXX then padded the bill, refused to remove the equipment charges, and sent the balance to collections. This is not only excessive and abusiveits deceptive. The equipment was returned, but they charged us as if we kept it. Now a debt collector is trying to collect on a disputed and inflated bill. 

I have already disputed this with the collector and requested validation. No documentation was provided proving that XXXX had a valid basis to bill us for equipment that was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates 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 2025-06-29 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: FL

Complaint narrative:
I am disputing the late payments reported on my credit card account with XXXX XXXX, account number XXXXXXXX XXXX XXXX 

I was never late on this account, and under the FCRA, credit bureaus must ensure maximum accuracy. I request that you investigate and provide proof of these late payments. If no proof can be provided, the account should be updated to show on-time payments. 

This account was active during the COVID-19 disaster period, so late payment reporting may also violate the CARES 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 non-monetary relief
Consumer complaint received 2025-06-29 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: FL

Complaint narrative:
I am disputing the late payments and charge-off reported on my account with XXXX XXXX, account number XXXXXXXX XXXX XXXX 

I was never late on this account, and under the FCRA, credit bureaus must ensure maximum accuracy. I request that you investigate and provide proof of these late payments and the charge-off. If no proof can be provided, the account should be updated to show on-time payments or removed entirely. 

This account was active during the COVID-19 disaster period, so the reporting may also violate the CARES Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I filed a complaint with Bank of America regarding a dispute with XXXX about a duplicated transactions in the amount XXXX with transaction reference numbers XXXX and XXXX. 

Bank of America dismissed my claims citing the fabricated information provided by XXXX, the merchant.

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 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This complaint is against all three major credit bureaus : XXXX, XXXX  and TransUnion. I am reporting that the inaccurate accounts listed below are being reported on all three of my credit files. I have submitted disputes for each bureau and they have failed to respond with verification. I am submitting this single complaint for all three companies to be held accountable. 

XXXX  Account Number : 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

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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 a personal credit card account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$170.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 explanation
Consumer complaint received 2025-06-29 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: FL

Complaint narrative:
I am disputing the late payments reported on my credit card account with XXXX XXXX, account number XXXXXXXX XXXX XXXX 

I was never late on this account, and under the FCRA, credit bureaus must ensure maximum accuracy. I request that you investigate and provide proof of these late payments. If no proof can be provided, the account should be updated to show on-time payments. 

This account was active during the COVID-19 disaster period, so late payment reporting may also violate the CARES Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally dispute certain information in my credit file that I believe is the result of identity theft. I did not open or authorize the accounts listed below and am requesting, under the Fair Credit Reporting Act ( FCRA ), that these fraudulent items be blocked or removed from my credit report Information was breached through Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: FL

Complaint narrative:
I am disputing inaccurate information reported by XXXX XXXX on my credit reports. A secured credit card account was opened and closed in less than 30 days due to fraud on the linked bank account. 

Despite the short account life and closure due to fraud, XXXX XXXX is reporting multiple late payments, which is incorrect and severely damaging my credit score. 

Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I have the right to dispute inaccurate, incomplete, or unverifiable information. XXXX XXXX has failed to provide accurate and verified information. 

Additionally, under the Fair Credit Billing Act ( FCBA ), I was not properly notified of any billing errors or late payments, nor was the fraud adequately addressed. 

I request immediate removal of all late payments and deletion of this account from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : My mobile service with XXXX  was unreliable ( dropped calls, no data ). A customer-service agent recommended an equipment upgrade through the trade-in / XXXX XXXX 
XXXX XX/XX/XXXXXXXX  : I placed upgrade order XXXX. Up-front cost shown was {$0.00} ( only state sales tax of {$6.00} was charged ). 
XXXX XX/XX/XXXX : I shipped my previous device ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ending XXXX ) using XXXX prepaid return label. 
XXXX XX/XX/XXXX : XXXX e-mailed confirmation that the trade-in was received and processing. 
XXXX XX/XX/XXXXXXXX  : Service quality never improved, so I ported my number to a different carrier. 
XXXX XXXX XXXX : I received a collection notice from Source Receivables Management LLC ( Reference XXXX ) claiming I owe {$800.00} on a XXXX account. The notice breaks down to {$780.00} principal plus {$27.00} fees. 

Why the balance is wrong The alleged balance appears to be the full price of the phone that I already returned and for which XXXX acknowledged receipt. 
I was never notified of any problem with the trade-in, nor billed directly by XXXX. The first notice of any balance due was the collection letter in XX/XX/XXXX. 
My only obligation should have been the upgrade taxes already paid ; there was no Equipment Installment Plan because the trade-in offset the cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: VA

Complaint narrative:
Please check the information concerning Equifax data breach below in attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
CFPB Complaint LVNV Funding LLC ( {$650.00} Account ) What happened : LVNV Funding LLC is reporting a {$650.00} debt on my credit report. I do not recognize this debt, and LVNV has not provided any proof that I owe it. I never took out a loan or opened a direct account with them. When I disputed the account and requested full validation, I received no documentationnot even the name of the original creditor or a signed agreement. 

LVNV Funding is falsely listed as the original creditor, which is misleading and inaccurate. From what I understand, LVNV is a third-party debt buyer, not the originator of any credit account Ive held. This appears to violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as they are furnishing data to the credit bureaus without proper verification or legal standing. 

They continue to report this account and damage my credit despite my clear dispute and request for validation. This is causing ongoing harm to my credit rating and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
As of XX/XX/2025, I reviewed my credit report and noticed that Credence Resource Management was reporting a collection account related to XXXX XXXX XXXX. The account included inaccurate information regarding the balance, payment history, and account status. Specifically, the balance appeared incorrect. 

As of XX/XX/2025, this inaccurate tradeline was still being reported to multiple credit bureaus. No valid documentation or supporting information has been provided to justify this reporting. 

On XX/XX/2025, I applied for a XXXXXXXX XXXX XXXX XXXX and was denied. XXXX of the primary reasons listed in the denial letter was the presence of derogatory information from Credence Resource Management on my credit report. This resulted in the loss of access to credit and caused financial and emotional harm. 

The company appears to be in violation of its obligations under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s2 ( b ), which requires data furnishers to report accurately and to correct or remove unverifiable or outdated information. I am requesting deletion of this tradeline and any other corrective actions needed to restore the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: CA

Complaint narrative:
On XX/XX/XXXX, I initiated a dispute with XXXX XXXX XXXX XXXX through XXXX, Trans Union and XXXX  along with the dispute I supplied a police report and an FTC report outlining the fraud. The company refused to communicate with me or remove the account for my credit report.

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