vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per XXXX U.S.C. XXXX, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within XXXX  days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per XXXX. Failure to comply will result in further action to seek justice for the harm caused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TN

Complaint narrative:
I opened an account deposited money to the account, I transfered money to a savings account with the company the next day my account was closed for fraudulent activity on my account? When I asked what activity was fraudulent, I was informed they did not have to inform me what activity was fraudulent, that my account was closed and that was all the explainatin I would be afforded. This is discrimination, and defamatory acusations. I have never gave any reasons to be accused of fraudulent activity and, I want to know what was the real cause for my closure. Is this to much to ask???????

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I am a victim of spousal Idenity theft. This lawfirm ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) representing Citi Financial says an account in my name was opened in XXXX and payments were made until XXXX. They are saying {$32000.00} is owed on the account and that they are approved to garnish 20 % wages. They say and have said for over XXXX now, they have legal documents to serve me to appear in court, and that I'm being sued by federal court. I have repeatedly given them my updated address yet they still have my old address on file, and have asked for a written debt validation as well as everything they have on this account so I can have it included in my police report as part of the identity theft. They have done neither and won't give me their mailing address so that I may ask in writing. They keep telling me they are serving me yet they never show up and repeatedly call me threatening me, screaming at me, and leave voicemails for over XXXX now. They have not sent me any legal documents or anything pertaining to this account. I don't know what else to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$8100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am contacting you to dispute a fraudulent account that is being reported in my name. I have never engaged in any transaction, agreement, or authorization related to this account. Its inclusion is erroneous and is damaging my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXXXXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$320.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$21000.00} XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$1000.00XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$520.00} XXXX XXXX XXXX XXXXXXXX - Account XXXX : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX  XXXX XXXX XXXX  Account Number : XXXX, Date XXXX : XXXX, Balance : {$870.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00XXXX XXXX XXXX  Account Number : XXXX, Date XXXX : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-14 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/XXXX I called and spoke with Discover Card regarding switching the AutoPay to another checking account that I already have added into their system and requested for XXXX payment to be drafted manually from the new bank account. At that point, the payment was late 17 days cause typically the auto payment come out on the XXXX of every month. XX/XX/XXXX, new monthly payment was supposed to be drafted from the new account based on the auto pay changes made on XX/XX/XXXX but that never happened. I realized on XX/XX/XXXX that neither the auto draft came through, nor the manual payment for XX/XX/XXXX was taken out based on my request. 
on XX/XX/XXXX, I called Discover Card and requested for a XXXX to look into the issue and asked for both XXXX and XXXX payment to be drafted manually again and asked for a verification email to be send showing payment made. I also asked the XXXX if I am being reported late to the credit bureaus, she said NO because in order for Discover to report 30 day late, it would have to be XXXX consecutive days of being late but I was not since the payment was made on XX/XX/XXXX. The stunned out to be untrue and a 30 day report was submitted to the bureau. I found the out sometimes in XXXX of XXXX when I was in the middle of refinancing my home and the mortgage company told me that my score was not high enough to qualify for certain mortgage products due to the 30 day late reporting by Discover. The score had gone down XXXX points due to the fact. 
I have never been late on any of my credit cards but this incident has put me in a very disadvantageous position and thus can not proceed with my Refinancing process. The reason from my Refinancing was to obtain the downpayment needed to purchase another property and I was unable to meet the purchase deadline since I couldn't pull the money out and have since lost the deal and my {$3000.00} XXXX XXXX XXXX. 
I have reached out to Discover multiple times requesting for the dispute department to have a XXXX look into the issue and pull the call records to further investigate the issue with many promises to call back, non have called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: Prog Holdings, Inc.
State: NV

Complaint narrative:
Buy Now Pay Later Provider ( XXXX ) Refusing to Return Refund Company Name : XXXXXXXX XXXX XXXXXXXX ( XXXX Buy Now, Pay Later ) Description of Issue : On XX/XX/2025, I placed an order with XXXX and paid for it using the XXXX Buy Now, Pay Later service. I fully paid off all installments owed to XXXX for this order. 

Subsequently, XXXX issued a refund for the order in the amount of {$65.00} due to [ reason for refund ]. Per XXXX records, the refund was processed directly back to the original payment method XXXX. 

I provided XXXX with all proof of the refund from XXXX, including transaction ID and date. XXXX confirmed that my refund claim was approved, but they have refused to release the funds to me. 

Instead, XXXX has stated in writing ( see attached screenshot ) that they are not able to refund or reverse a payment that has already been paid at this time, even if it was made early, and that they are working on solutions in the future. This means they are keeping money that rightfully belongs to me for a product I no longer possess. 

This practice is unfair, deceptive, and potentially unlawful under consumer protection laws. It is equivalent to a credit card company retaining a refund after the balance is paid off something no legitimate lender should do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group
State: CO

Complaint narrative:
I am submitting this follow-up complaint in response to Velocity Investments , LLCs ( Velocity ) reply to my original CFPB complaint. I strongly dispute the accuracy and completeness of their response, and I provide the following clarifications.

1. Failure to Provide Proper Validation of Debt Velocity claims that I never disputed the alleged debt or requested validation prior to their lawsuit. This is not accurate. I disputed the alleged account and demanded full validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. To date, Velocity has not provided proper documentation, including : - A copy of the original signed contract ; - A complete account history ; and - A valid chain of assignment from the original creditor to Velocity. 

Instead, they initiated litigation through XXXXXXXX XXXX XXXXXXXX without providing the required validation. 
XXXX. Pending Lawsuit and My XXXX XXXX law firm filed a lawsuit against me on XX/XX/year>. In response, I filed an Answer with Affirmative Defenses and XXXX on XX/XX/year>. My counterclaim includes : - Violation of the Fair Credit Reporting Act ( FCRA ) : Velocity and/or its agents reported inaccurate information to credit bureaus, failed to conduct a reasonable investigation after my disputes, and continued to report incomplete or false information. 
- Violation of the Colorado Fair Debt Collection Practices Act ( CFDCPA ) : Velocity engaged in false, deceptive, and misleading practices, including continuing collection efforts after I disputed the debt and requested validation.

- Right to Arbitration : To the extent applicable, any disputes are subject to mandatory binding arbitration under the original agreement and the Federal Arbitration Act.

My counterclaim seeks actual damages, statutory damages, and costs, as permitted under federal and state law.

3. Misrepresentation in Response to CFPB Velocitys statement to the CFPB that no prior disputes, request for validation, or any other contact from the consumer has been received is misleading. I have provided documented disputes, and I have filed formal legal pleadings asserting my rights. Their omission of these facts raises serious concerns about their compliance practices and good faith in responding to regulators.

4. Continuing Consumer Harm Because Velocity initiated litigation without first validating the debt, I am now forced to defend myself in court, incurring time, expense, and stress. Their conduct continues to harm me financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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