vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I sent a certified letter to this company a few weeks prior and asked them for verification of debt along with the bill of sale giving them the rights to pursue the debt they allege is mine. I asked them to refrain from continuing to report to the credit bureau until the debt is validated and verified. I checked my credit score and they have continued to report even without providing the documents requested. I am currently being sued by this company for unverified debt and have asked to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I am disputing a charge-off account reported by OneMain Financial in the amount of {$9600.00}. This account was charged off and then sold to another company. The balance was later collected in full through a wage levy by my employer. Despite this, OneMain Financial continues to report the account as a charge-off with a balance due, which is inaccurate, incomplete, and misleading.

This reporting constitutes double reporting, since the debt was collected by another entity while OneMain still reports it as unpaid. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681s-2, and 1681i ), furnishers are required to ensure maximum possible accuracy, and they can not continue to report information that is false, incomplete, or unverifiable. Reporting a charge-off after the debt has been satisfied is a violation of these provisions.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of human XXXX  of Debt XXXX  and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX - Balance {$99.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Rausch Sturm LLP
State: ND

Complaint narrative:
To Whom it May Concern : Rausch Strum LLP This letter is being sent to you in response to a summons served to me on XX/XX/2025 regarding account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( full account number unknown as it was not included in the summons served ) Be advised this is not a refusal to pay, but notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your office provides me with evidence that I have a legal obligation to pay you. Including the following documentation.

1. Agreement with the creditor that authorizes you to collect this alleged debt.

2. The agreement bearing my signature stating that I agree to assume the debt. 
3. Valid copies of the debt agreement stating the amount of the debt and interest charges.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of additional charges being assessed.

6. Proof that you are licensed in my state.

7. Your license numbers and Registered Agent.

At this time, I will also inform you that if your offices have reported invalidated information to any of the three major credit bureaus ( Equifax, Experian, or Transunion ) this may constitute fraud under both Federal and State Laws. Due to this fact, if any negative marks are found on any of my credit reports by your company or the company you represent. I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practice Act and Defamation of Character. 
If your office fails to reply to this debt validation letter within ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect this on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court cost and attorney fees if I am forced to bring this matter before a judge.

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 2025-10-01 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: TX

Complaint narrative:
I am submitting this formal complaint regarding multiple errors, misreporting, and unverifiable accounts on my credit report. These violations infringe upon my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Wrong Address XXXX XXXX XXXX XXXX XXXX TX XXXX Wrong Address, not associated with me. 

Disputed Accounts/ Charge-Offs / Late Payments XXXX XXXX XXXX Acct : XXXX ) * * High Balance {$1400.00} ; Date Opened XX/XX/XXXX reported as Charge Off inaccurately. 

XXXX XXXXXXXX XXXX ( Acct : XXXX ) * * High Balance {$12000.00} ; Date Opened XX/XX/XXXX Late Payment entries unverified. 

XXXXXXXX XXXX XXXX  ( Acct : XXXX ) * * High Balance {$19000.00} ; Date Opened XX/XX/XXXX reported as Charge Off without validation. 

XXXX ( Acct : XXXX ) * * High Balance {$7400.00} ; Date Opened XX/XX/XXXX Charge Off reporting not validated. 

XXXX XXXX ( Acct : XXXX ) * * High Balance {$970.00} ; Date Opened XX/XX/XXXX Charge Off inaccurately reported. 

XXXXXXXX XXXX ( Acct : XXXX ) * * High Balance {$100.00} ; Date Opened XX/XX/XXXX Charge Off unverifiable. 

Disputed Collections XXXX XXXX ( Acct : XXXX ) * * High Balance {$480.00} ; Date Opened XX/XX/XXXX requires full documentation. 

XXXX XXXX ( Acct : XXXX ) * * High Balance {$590.00} ; Date Opened XX/XX/XXXX unverifiable collection. 

Questionable Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are unauthorized and must be investigated.

FCRA Violations FCRA 1681e ( b ) : Credit bureaus failed to ensure maximum accuracy of reported information.

FCRA 1681i : Failure to properly reinvestigate accounts I disputed.

FCRA 1681s-2 : Data furnishers reported unverifiable or inaccurate information.

Requested Relief I demand the CFPB : Remove the wrong address listed above.

Investigate and require verification of all disputed accounts and collections.

Delete any account or collection that can not be fully validated.

Remove the unauthorized inquiries listed.

Enforce strict compliance with the FCRA to protect the accuracy of my credit file.

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 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: MS

Complaint narrative:
I am disputing unauthorized hard inquiries that appear on my credit report. I did not apply for credit with these companies, nor did I give consent for them to access my file. The inquires are as follows : XXXX. XXXX  - INQUIRY DATE : XX/XX/XXXX XXXX. XXXX - INQUIRY DATE : XX/XX/XXXX XXXX. XXXX - INQUIRY DATE : XX/XX/XXXX XXXX. XXXX - INQUIRY DATE : XX/XX/XXXX XXXX. XXXX - INQUIRY DATE : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - INQUIRY DATE : XX/XX/XXXX XXXX. XXXX XXXX  - INQUIRY DATE : XX/XX/XXXX XXXX. XXXX XXXX - INQUIRY DATE : XX/XX/XXXX XXXX. XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX  - INQUIRY DATE : XXXX XXXX XXXX XXXX  XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX  - INQUIRY DATE : XXXX XXXX XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX  - INQUIRY DATE : XXXX XXXX XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX. XXXX XXXX - INQUIRY DATE : XXXX XXXX  18. XXXX XXXX  - INQUIRY DATE XXXX XXXX XXXX XXXX XXXXXXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXXXXXX - INQUIRY DATE : XXXX XXXX XXXX XXXXXXXX XXXX - INQUIRY DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXXXXXX XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXXXXXX XXXX - INQUIRY DATE XXXX XXXX XXXX XXXX  XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXXXXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX. XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX XXXXXXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXXNQUIRY DATE : XXXX XXXX XXXX. XXXX XXXX XXXXXXXX DATE : XX/XX/XXXX These inquiries were made without my authorization. They are negatively impacting my credit score and do not reflect any legitimate credit application I submitted. 

Under the Fair Credit Reporting Act ( FCRA ), only inquiries made without my express consent for a credit application should appear on my credit report. I am requesting a full investigation into these inquires and for them to be removed from my credit file. 

I also request confirmation once this investigation has been completed and my file updated accordingly.

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: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XX/XX/year> General Revenue Corporation XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX Subject : Formal Debt Dispute, Debt Validation Request, and Cease & Desist Notice To Whom It May Concern, I am contacting you regarding your attempts to collect an alleged debt. Please be advised that I dispute this debt in its entirety. Furthermore, your actions have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Violations of Law 12 CFR 1006.34 ( b ) ( 5 ) You failed to provide clear disclosure of the name of the creditor to whom the debt is currently owed.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) You did not provide a proper itemization of the debt, including interest, fees, payments, or credits.

12 CFR 1006.34 ( d ) You failed to provide the required validation information within the validation notice.

15 USC 1681s-2 ( a ) ( 7 ) You reported negative information to the credit bureaus without providing the legally required advance notice.

Formal Demand for Documentation Pursuant to federal law, I demand that you provide the following in writing before any further collection activity : Full Debt Validation : A complete accounting and itemization of the alleged debt, including the original amount, all fees, interest, credits, and payments.

Purchase Agreement/Assignment : A copy of the purchase agreement, assignment, or other contract proving that General Revenue Corporation has legal ownership or collection authority over this alleged debt from the original creditor.

Proof of License and Bond : Written proof that your agency is properly licensed and bonded to collect debts in the State of Mississippi.

Until you provide the above documentation, you must cease all collection activity and remove any negative reporting from the credit bureaus.

Cease and Desist Communication Effective immediately, you are hereby notified under the FDCPA to cease all telephone calls and electronic communications. You may only communicate with me in writing, by mail. Any further contact outside of written correspondence will be considered harassment and documented for legal purposes.

Notice of Intent Failure to comply with these requests will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Mississippi Attorney Generals Office. I reserve the right to pursue all remedies available under federal and state law. 

I expect a full written response from your office within the timeframe required by law. 

Sincerely, XXXX XXXX XXXX

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 — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Chase credit card closed on XX/XX/XXXX. The account of charged off. However, I was contacted by Chase to set up a payment plan to pay it. I set up a payment plan. I have made consistent payments and they are still marking the account as derogatory. To my understanding, a company can no longer collect on a debt that has been a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: OK

Complaint narrative:
I disputed the accuracy of the vehicle loan account being reported under my name by Santander XXXX  USA and requested validation of the debt. On XX/XX/2025, I mailed a written dispute by certified mail requesting : ( 1 ) the original signed retail installment contract, ( 2 ) chain of title/assignment, ( 3 ) a full accounting of the loan, and ( 4 ) proof of creditor standing. XXXX tracking confirms delivery. 

On XX/XX/2025, I also submitted a conditional payment instrument to be applied to the account. Santander negotiated and accepted this payment, but they failed to properly credit the account for it. Despite this, they continue to demand payment and report the account as if no valid tender was made. 

On XX/XX/2025, Santander responded with only a form letter and partial records ( such as a payment ledger ). They did not provide the original note, assignment history, or proof that they are the lawful creditor for the account. 

Despite my disputes and conditional payment, Santander continues to report the account to the credit bureaus as valid and accurate. 

The information being reported is incomplete and inaccurate because the company has not validated the debt and has failed to apply payments correctly. I am requesting that Santander correct or delete this tradeline and provide proper validation of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
I am disputing a late payment reported for XX/XX/XXXX on my XXXX XXXX Mortgage account ( Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, FTC Report XXXX XXXX ). This late payment appears only on my Experian credit report and is not reported by Equifax or TransUnion, making it inconsistent and inaccurate. I previously requested an investigation and correction, but no verification or documentation has been provided. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers are required to report information accurately and consistently across all consumer reporting agencies. I am requesting that Round Point Mortgage provide the full name, title, department, and contact information of the individual who conducted the investigation, a detailed description of the procedures used to verify the XX/XX/XXXX late payment, and copies of all records, payment histories, or documentation relied upon to support the reporting of this late payment. If they are unable to verify this information, they must immediately request that Experian delete or correct the inaccurate entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Avant Holding Company, Inc.
State: MN

Complaint narrative:
On XX/XX/year>, I requested cancellation of the credit protection add-on program only for my Avant credit card account ending in XXXX. 
Instead of removing the protection, Avant closed my entire credit card account on XX/XX/year> without my authorization. This was not the action I requested. Closing the account reduces my available credit and will negatively impact my XXXXredit score.

Despite closing the account, Avant is still attempting to charge me the $ 9 monthly fee for the credit protection program that I specifically asked to cancel. They have also continued to charge me despite have a {$0.00} balance on this card for several months.

When I tried to resolve this issue with Avant 's customer service, my requests to speak with a supervisor were unsuccessful and was told said supervisor was in a meeting, and I have not received a satisfactory explanation or resolution.

Why this is a problem : Avant processed my request incorrectly, closing the account instead of simply canceling the add-on program.

They continue billing me for the add-on product after I canceled it and after closing my account.

This constitutes a billing error under the Fair Credit Billing Act ( FCBA ). 
Any negative or misleading reporting to the credit bureaus would be a violation of the Fair Credit Reporting Act ( FCRA ).

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I need to emphasize that this complaint is not a mistake. My credit report contains inaccuracies that undermine its accuracy and integrity. These errors are creating an ongoing negative impact on my financial standing and personal well-being, which is unacceptable. The stress caused by these inaccuracies continues to weigh heavily on me, and they must be addressed without delay.

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FREEDOM FINANCIAL NETWORK
State: SC

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against XXXX XXXX XXXX XXXX for their continued failure to remove fraudulent and inaccurate accounts from my credit report, despite my identity theft report and multiple dispute attempts. These credit bureaus are violating my rights under the Fair Credit Reporting Act ( FCRA ) and must be held accountable for noncompliance. Their failure to investigate and correct these inaccuracies violates 15 U.S. Code 1681i, which mandates a proper reinvestigation of disputes. Additionally, their refusal to remove unverifiable information breaches 15 U.S. Code 1681e ( b ), which requires credit bureaus to maintain accurate consumer reports. Fraudulent & Inaccurate Accounts That Must Be Removed Immediately : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Noncompliance & Reinserted Accounts Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), if any of these accounts were previously removed but later reinserted into my credit report without proper written notification within five business days, this constitutes a direct violation of federal law. These failures align with past CFPB enforcement actions against XXXX XXXX XXXX XXXX, demonstrating a pattern of negligence and noncompliance. See : XXXX Request for CFPB Intervention I formally request that the CFPB launch an investigation into these clear violations and ensure the credit bureaus are held accountable for their failure to comply with federal laws. If these issues are not resolved immediately, I will be forced to pursue legal action under 15 U.S. Code 1681n and 1681o, seeking statutory damages, punitive damages, and attorney fees for willful and negligent noncompliance.

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: Wrong amount charged or received — 
Company: Block, Inc.
State: TX

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The following accounts are no longer in dispute. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiry : XXXX XXXX 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