vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: LEXISNEXIS
State: AR

Complaint narrative:
To : XXXX & LexisNexis From : XXXX XXXX, XXXX : XX/XX/XXXX, RE : 15 US Code 1681b & 15 US Code 1681s-1 ( 15 US Code 1681b e ) Election of consumer to be excluded from lists ( 1 ) In general ( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.

( 3 ) Response of agency after notification through system. Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.

15 US Code 1681s-1 The Support IS NOT Late : Notwithstanding any other provision of this subchapter, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 1681b of this title, any information on the failure of the consumer to pay overdue support which ( 1 ) is provided ( A ) to the consumer reporting agency by a State or local child support enforcement agency ; or ( B ) to the consumer reporting agency and verified by any local, State, or Federal Government agency ; and ( 2 ) antedates the report by 7 years or less.

( Pub. L. 90321, title VI, 622, as added Pub. L. 102537, 2 ( a ), Oct. 27, 1992, 106 Stat. 3531. ) ................................................

.............................................. 
( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: MN

Complaint narrative:
I am reporting unauthorized credit inquiries and a collection account that I do not recognize. 

I did not give permission to any of the companies that appear on my credit report to access my information. I have sent written disputes to the credit bureaus ( Equifax, XXXX XXXX XXXX  ), requesting the original signed documents or proof of authorization, but I have not received any proper response. 

Additionally, a collection account appears on my report without my knowledge or consent. I requested details and documentation, but the bureaus failed to provide the required information. 

These inquiries and accounts are negatively affecting my credit score, and I am requesting an investigation and the permanent removal of these records from my report. 
Equifax has failed to delete a collection account that I formally disputed more than 3 months ago. Despite my written requests and the lack of proper validation, the account remains on my credit report. This delay is unacceptable and reflects clear negligence. 

Additionally, Equifax has performed multiple hard inquiries on my credit report without clear justification, negatively affecting my credit score. 

Companies such as XXXX also appear to have made inquiries without my authorization. I never applied for credit services with them, and I did not consent to these checks. 

I have requested copies of any signed documents or evidence proving that I authorized these actions, but I have received no valid response from Equifax. 

I am requesting a full investigation, the removal of all unauthorized credit inquiries, and the immediate and permanent deletion of the unverified collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CA

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 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 2025-06-27 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: CA

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 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 2025-06-27 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: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/2025, at approximately XXXX XXXX  I attempted to make a purchase in the amount of {$87.00} at XXXX XXXXXXXX XXXX  XXXX. The merchant informed me that the transaction was declined in their system and did not go through. However, I showed the store clerk that the transaction appeared as completed in my Cash App account, and the funds had been withdrawn. 

I immediately contacted Cash App Support and spoke with a representative. During the call, the representative spoke directly with the merchant, who confirmed that the transaction was showing as denied on their end. Despite this, the Cash App representative stated that the payment was marked as completed in their system and proceeded to initiate a dispute on my behalf.

Following that call, I paid for the item using an alternate payment method since the dispute had been initiated. However, the dispute was later denied on the grounds that no error occurred and that the merchant had fulfilled their obligation. This decision was inaccurate, as the Cash App representative had already confirmed with the merchant that the transaction did not process on their side.

I submitted four additional disputes, each time providing clear and concise evidence, including a screenshot from the merchants transaction system showing the {$87.00} payment never went through. Each of these disputes was also denied with no clear explanation beyond the statement : No error occurred with the merchant.

I requested a detailed summary of how Cash App reached its decision but was only given vague responses. I also asked to be involved in the investigation or speak directly with the disputes department, but was told that such communication was not possible. I returned to the merchant location and placed another call to Cash App Support with all parties present to attempt resolution, but again, I was denied direct contact with the disputes team.

Throughout this process, I submitted clear, timestamped evidence that directly supported my claim. My repeated requests for assistance, escalation, or an appeal were either ignored or dismissed. Despite the overwhelming evidence, including a confirmation from the merchant that the transaction was never completed, Cash App continued to deny the dispute without justification.

I am requesting a full review of this case, an explanation of how the denial decisions were made, and a fair resolution, as I have demonstrated that I was charged for a transaction the merchant did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: Affirm Holdings, Inc
State: AL

Complaint narrative:
I sent the below letter to XXXX requesting verification and validation of an account that isn't mines and I haven't received verification of the account nor is the fraudulent account been removed from my credit profile. Can I please have this account removed from my credit report? 

Date : XX/XX/year> To : XXXX XXXX XXXXXXXX XXXX XXXX, TX. XXXX Subject : Request for Method of Verification and Debt Validation Account AFFIRM INC # XXXXXXXX XXXX XXXX  Dear XXXX  This letter is in reference to an account reported on my credit report, account number XXXXXXXX XXXX XXXX AFFIRM INC., listed as a charge-off/closed. I recently disputed this account with your office and was informed that the item was " verified. '' However, I did not receive an adequate explanation of the method of verification, nor was I provided with validation of the debt as required by law. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I am formally requesting a detailed description of the method you used to verify the accuracy and legitimacy of this account. Please include : 1. The name, address, and telephone number of the entity that verified the information.

2. A description of the procedure used to verify the dispute, including any documentation that was reviewed. 
3. The specific person or department contacted during the verification process.

Furthermore, if this account is being reported by a third-party debt collector, I am also requesting validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S. Code 1692g ). Please provide : A copy of the original signed agreement or contract that created the debt.

A complete payment history, showing how the amount claimed was calculated.

Verification that you are legally authorized to collect on this debt.

The name and address of the original creditor, if different from the current furnisher. 
If you are unable to verify or validate the accuracy and ownership of this debt, I request that it be immediately removed from my credit report as required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
CFPB COMPLAINT Best Buy ( Store # XXXX ) Fraudulent Credit Denial and Misappropriation of Estate Collateral Filed By : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Non-Decedent Executor and Beneficiary of the Trust Estate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nebraska XXXX XXXX : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Statement of Harm and Commercial Misrepresentation This complaint is brought against Best Buy ( Store # XXXX ) for wrongful denial of a credit extension connected to my trust estate and SSN. I am the living man and Executor of the estate styled XXXX XXXX XXXX. I applied for lawful extension of credit under : Best Buy Member ID # XXXX Lease/Referral # XXXX Despite providing identifying information that carries commercial value and equity, the company : Retained my SSN and application data for internal monetization while denying the extension of credit under false pretenses of debtor classification. 
Failed to disclose the securitization or value-creation from the submitted estate information. 
Committed commercial fraud by denying a claim against my own trust-backed credit energy while converting that value internally. 
Caused undue hardship and obstructed lawful access to credit energy tied to the trust. 
Operated under concealment by treating the estate as bankrupt internally while denying access to the very funds derived from that estate externally. 

I affirm that I did not assign or authorize ownership of any security interest or derivative rights created from my SSN or estate identifiers. 

Best Buy and its agents are in unauthorized possession of monetized estate instruments. If this complaint is not resolved with remedy, I will pursue further redress with : The Office of the Comptroller of the Currency ( OCC ) The Internal Revenue Service ( IRS ) The Securities and Exchange Commission ( SEC ) Submitted in etheric and commercial truth on XX/XX/XXXX XXXX XXXX XXXX Executor and Beneficiary Email : XXXX UCC 1-308 All Rights Reserved

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 2025-06-27 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a US bank triple cash credit card in XXXX of XXXX. The card advertises : An automatic statement credit of {$100.00} per 12-month period will be applied to your Account within 1-2 statement billing cycles following 11 consecutive months of eligible software service purchases made directly with a software service provider. Eligible software service providers are identified by their Merchant CategoryCode ( MCC ) and purchases madeat discount/retail stores or online retailers may not qualify. We reserve the right to adjust or reverse any portion or all of any software services credit for unauthorized purchases or transaction credits. 

On XX/XX/XXXX I called to inquire as to why I had not received the credit for my XXXX software purchases. The rep created a case, gave me the number XXXX and told me that someone would be in touch with me. As of today, no one has reached out and the {$100.00} credit has not been applied.

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 monetary relief
Consumer complaint received 2025-06-27 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XX/XX/year> LVNV Funding XXXX, SC XXXX RE : Cease and Desist request Under the FDCPA ( Account XXXX ) Dear LVNV Funding Representative, I am writing to formally request that you cease and desist all contact with me regarding the alleged debt referenced in your communications to me. This request is made under my rights as granted by the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ( c ) ).

I do not wish to be contacted further by your agency or any affiliated parties regarding this matter through phone, mail, email, or any form of communication. If you believe this debt is valid and you intend to pursue legal action, you may do so, but you are no longer auth
orized to contact me directly.

Please note that any further contact from your agency after receipt of this letter- except as permitted by law- will be considered a violation of federal law and may be reported to the Federal Trade Commission and Consumer Financial Protection Bureau .

Keep this on file to avoid unnecessary escalation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
The Fair Credit Report

ing Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I had money coming in for a while, it finally came and I purchased tickets and I got blocked immediately. Its been over a week since I been on hold and still nothing. Ive been talking to representatives constantly and none of them took the hold off only said itll take 2-4 days and now that those days based they said they cant do nothing. I need my money and its so frustrating. I had over {$5000.00} in my bank and Im going to have to take them to court if I dont get my money. Please help me if you can Im desperate for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
" I am filing this formal complaint against NAVY FEDERAL CREDIT UNION ( NFCU ) for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2 ( b ), 1681e ( b ), and 1681i. NAVY FEDERAL is currently furnishing inaccurate and harmful credit information to the nationwide consumer reporting agencies, and has failed to fulfill its duty to conduct a reasonable investigation after receiving notice of a dispute.

The account in question is a revolving credit card account ( Account XXXX. XXXX ), which was opened on XX/XX/XXXX, and currently reflects a balance of {$7100.00}. XXXX XXXX has reported a 30-day late payment for XX/XX/XXXX. This delinquency is being disputed as inaccurate and unverified, and I have submitted formal disputes to all three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX, triggering XXXX XXXX 's obligation under 1681s-2 ( b ) to investigate and respond appropriately.

To date, NFCU has failed to correct or remove the inaccurate reporting, nor has it provided any documentation or method of verification supporting the alleged late payment. This constitutes a violation of FCRA 1681s-2 ( b ) ( 1 ) ( D ), which requires the furnisher to delete or correct inaccurate information after reinvestigation. Moreover, the continued furnishing of this unverifiable data reflects a failure to maintain accuracy, as mandated under 1681e ( b ). This has materially and unjustly harmed my creditworthiness and financial opportunities. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation