vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am submitting this formal follow-up regarding my original complaint filed on XX/XX/year>, against Portfolio Recovery Associates , LLC. It has now been over XXXX  days, and this company has not provided a single response or resolution through the CFPB portal. This delay is unacceptable and appears to reflect willful noncompliance with the CFPBs standards for timely resolution and transparency. 

Portfolio Recovery has had ample time to respond. The prolonged silence suggests either a disregard for federal consumer protections or a complete inability to validate the debt in question. 

At this point, I am requesting that the CFPB escalate this matter for internal review. I also intend to : File a complaint with the Federal Trade Commission ( FTC ) citing Portfolio Recoverys refusal to cooperate with a federal agency ; Notify the Florida Attorney Generals Office regarding potential FDCPA and FCRA violations ; And seek legal counsel to explore my right to damages due to Portfolios ongoing failure to validate the debt and their continued reporting to credit bureaus without justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: VA

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

1681c-2 ) that you, the Experian Credit 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 XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX ACCOUNTS : XXXX. XXXX  - Account Number : XXXX XXXX XXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Unauthorized Hard Inquiry Demand for Deletion To Whom It May Concern, This letter is a formal dispute and demand for immediate removal of an unauthorized hard inquiry made by XXXX XXXX # XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX as listed on my Equifax credit report. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ), a hard inquiry can only be reported if there was a permissible purpose, such as a credit application I initiated. I did not authorize or initiate any application for credit with XXXX XXXX # XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, nor did I grant permission for this inquiry to be made. 
Additionally, I am invoking my rights under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), which requires Equifax to block any information resulting from identity theft, including unauthorized inquiries, within four ( 4 ) business days of receiving proper documentation. 
I am demanding the immediate and permanent removal of this inquiry from my Equifax credit report. This unauthorized inquiry is damaging my credit and violating my consumer rights. 
If this unauthorized inquiry is not removed within XXXX  days as required under FCRA 611, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing this complaint due to several unauthorized credit inquiries that continue to appear on my TransUnion credit report. These inquiries were previously disputed directly with the credit bureaus. I specifically requested verification documents or proof that I granted permission for these entities to access my credit file, but no documentation has been provided to date. Despite my formal disputes, the credit bureaus failed to conduct a proper investigation or remove the inquiries. The specific unauthorized inquiries I am disputing are clearly listed in the attached letter included with this complaint : XXXX XX/XX/year>, 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/year> XXXX 
I am escalating this issue to the CFPB because I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking fair resolution and proper enforcement.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX Illegally Sabotaged My XXXX Credit Score With False Late Payments ( Loan # XXXX ) XXXX. My Credit Was Perfect Until Payoff : XXXX Credit score before paying off my loan ( proof available ). 

Never latenot oncebefore or during forbearance ( XXXX XXXXXXXX XXXX  ). 

Sold home in XX/XX/year> Loan paid in full ( no lates possible ). 

XXXX. XXXX XXXX XXXX XXXX : TransUnion : " XXXX  days late '' ( false -I was in forbearance! ) Equifax : " XXXX  days late '' ( impossible -loan was paid! ) " Unknown '' statuses ( nonsense for a closed account ). 

XXXX. Proof Theyre Lying : Forbearance approval letter ( XXXX XXXX XXXX ) Attached XX/XX/year> letter ( " {$0.00} balance '' /removed from assistance ) Attached Home sale documents ( paid in full XX/XX/year> ) Attached XXXX. Federal Law Violations : CARES Act 4022 : Forbearance = " Current '' reporting. 

FCRA 623 : Paid loans CANT show lates.

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 2025-07-09 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: NC

Complaint narrative:
XXXX XXXX Illegally Sabotaged My XXXX Credit Score With False Late Payments ( Loan # XXXX ) XXXX. My Credit Was Perfect Until Payoff : XXXX Credit score before paying off my loan ( proof available ). 

Never latenot oncebefore or during forbearance ( XXXX XXXX XXXX ). 

Sold home in XX/XX/year> Loan paid in full ( no lates possible ). 

XXXX. XXXX XXXX XXXX XXXX : TransUnion : " XXXX  days late '' ( false -I was in forbearance! ) Equifax : " XXXX  days late '' ( impossible -loan was paid! ) " Unknown '' statuses ( nonsense for a closed account ). 

XXXX. Proof Theyre Lying : Forbearance approval letter ( XXXX XXXX XXXX  ) Attached XX/XX/year> letter ( " {$0.00} balance '' /removed from assistance ) Attached Home sale documents ( paid in full XX/XX/year> ) Attached XXXX. Federal Law Violations : CARES Act 4022 : Forbearance = " Current '' reporting. 

FCRA 623 : Paid loans CANT show lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I tried to order my credit report from Equifax on the phone automation process. I was successful with my Experian and Trans Union reports, but Equifax did not complete the approval process. Accordingly, I hereby submit my driver 's license and personal information and requesting that Equifax accept my sincere request for my free annual credit report mandated by the Fair and Accurate Credit Transactions Act ( FACTA ). Equifax, please mail to me my free annual credit report immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
I received an email about paying a debt before it goes to collection from Sequium in reference to an old bill for XXXX. I went through there site after speaking with some on on XX/XX/XXXX. I was advised to go on their website to set up a payment arrangement in order to get the balance paid in full and not have anything added to my report. I made my first payment in XXXX with an autopay set for XXXX I believe. The original balance was {$350.00} and after payments I owe {$110.00}. I received a notification that a collections was added to my account for {$110.00}?! and my credit score has dropped tremendously with XXXX credit bureaus!!! I called Sequium and spoke to XXXX on a recorded line gave her all info and she found the account then proceeded to collect XXXX from me to have all three credit reports accessed. Once accessed she agreed that the collections account was inaccurately reporting and her team would remove it for {$250.00}?!?! This has to be illegal this needs to be removed from my report asap please!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: OH

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

1681c-2 ) that you, the Experian Credit 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, OH XXXX INQUIRIES : XXXX XXXX Date : XX/XX/25

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a complete identity theft report and signed affidavit to Experian, along with all required identifying documentation and a copy of the data breach notice related to the XXXX XXXX XXXX XXXX, which occurred in XX/XX/XXXX. This breach, which exposed billions of sensitive records, led to the compromise of my personal information and is the basis for my identity theft claim.

I included details for each account on my credit report that did not belong to me, as required by FCRA Section 605B. The complete package was sent via certified mail and delivered on XX/XX/XXXX, XXXXI have the certified mail tracking number and the green return receipt card as proof of delivery.

As of today, XX/XX/XXXX, I have not received any confirmation, response, or resolution from Experian, Equifax or Transunion. It has been nearly two weeks without any action or communication, despite the FCRA 's requirement that fraudulent information be blocked within four business days after receipt of proper documentation.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a complete identity theft report and signed affidavit to Experian, along with all required identifying documentation and a copy of the data breach notice related to the XXXX XXXX XXXX XXXX, which occurred in XX/XX/XXXX. This breach, which exposed billions of sensitive records, led to the compromise of my personal information and is the basis for my identity theft claim.

I included details for each account on my credit report that did not belong to me, as required by FCRA Section 605B. The complete package was sent via certified mail and delivered on XX/XX/XXXX, XXXXI have the certified mail tracking number and the green return receipt card as proof of delivery.

As of today, XX/XX/XXXX, I have not received any confirmation, response, or resolution from Experian, Equifax or Transunion. It has been nearly two weeks without any action or communication, despite the FCRA 's requirement that fraudulent information be blocked within four business days after receipt of proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: HI

Complaint narrative:
XXXX XXXX  XXXX has failed to conduct a proper investigation. They have violated 15 usc 1681s- 2b A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of 1681n and 1681o for being negligent and willfully non compliant. These debts are also been securitized in a trust so ( Original creditors name ) does not even own the debt anymore. Which is another inaccuracy for putting on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORFOLIO RECOVERY has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: SC

Complaint narrative:
hello. cashapp decided on XX/XX/year>, that they were going to close my account because it violated TOS. when i asked about it, they refused to tell me what i did wrong and told me ill have to appeal, which they said should take 10-30 days?. ive tried to make another account but apparently my ssn is flagged and i cant make one until that one is sorted. and from what ive seen online, it never will be. i havent done anything wrong. i only used cashapp to buy things and send money, like a normal person. the weirdos wont let me do anything about this and i would really need this for when i go back to school.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
This is not a refusal to pay, but a request that your office provide validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Sec. 809 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
In XX/XX/XXXX, I moved to a new residence and paid my final utility bill in full at my previous address. I had mail forwarding set up and never received any mail, phone call, or email from the utility company or any collections agency regarding an unpaid balance. I was never notified that a balance existed. 

In XX/XX/XXXX, I received a credit alert showing a sudden drop in my score. Upon investigation, I learned that Bull City Financial Solutions had reported a collection account to the credit bureaus. This was the first time I became aware that a balance existed or that the account had gone to collections. 

In early XX/XX/XXXX, I sent Bull City Financial a certified debt validation request under the Fair Debt Collection Practices Act ( FDCPA ), asking for proof of the debt, original creditor information, and documentation supporting the amount owed. They received my request ( confirmed via XXXX ), but they never responded. 

I was denied the opportunity to dispute or resolve the issue before it was reported, and I have yet to receive any documentation supporting the debt. I am requesting that the CFPB intervene to ensure my consumer rights under the FDCPA are enforced and that this item is removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I contacted Bank of America to inquire about a hardship assistance program due to temporary financial stress. I was only 10 days past due on one payment and had no prior history of default on this or any other account with the bank. 

During the call, I was informed that I did not qualify for any hardship options simply because my account was not late enough to meet their internal threshold. While I found this disheartening, I accepted their response and proceeded to make a payment on XX/XX/year>, bringing the account fully current. 

Later that same day, I received a notification that my account was closed despite the payment and my good-faith effort to resolve the issue responsibly. I was never informed that simply inquiring about hardship programs or having a single, short-term delinquency would trigger the closure of my account, especially without warning or an opportunity to correct the issue. 
This closure has now impacted my credit utilization ratio and credit score, and I feel that my attempt to proactively seek assistance unfairly resulted in a punitive outcome.

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