vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
Originally my cash App account was closed for gambling.They allowed me to withdraw my remaining funds. I had on there at the time before they closed my account. I had some refunds in process when they closed my account that were gon na be sent back to that account now that my money has been refunded.I 'm trying to withdraw it, but it is not allow me too. it keeps saying I need to have a previous used debit card to withdraw my funds but I had used a virtual card number to withdraw my funds before I no longer have access to that virtual card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have requested a validation of debt for the account listed below : Portfolio Recovery Associates Collections Date Opened XX/XX/XXXX Balance - {$460.00} Last Reported XX/XX/XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Condition Derogatory Highest Balance {$460.00} Disputed No Remarks Account information disputed by consumer, meets FCRA requirements Dispute resolved ; customer disagrees Original Creditor XXXX XXXX XXXX Responsibility Individual Creditor Info PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am disputing a repossession account currently being reported under XXXX as inaccurate and unlawful. The creditor failed to provide me with the legally required Right to Redeem notice before selling or disposing of the vehicle, as mandated under UCC 9-611 and applicable state laws. I never received this notice, which violated my rights and disqualifies them from collecting any deficiency balance. Because of this failure, the reporting of this repossession and any remaining balance is inaccurate, misleading, and damaging to my credit report. Furthermore, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must report accurate and complete data, which they failed to do in this case.

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 2025-11-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Goodwill requests to remove late payment for account number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Paperwork was left at my door from Navy Federal, believing it was a attempt to sue me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TN

Complaint narrative:
To : Consumer Financial Protection Bureau RE : Credit Furnisher Violations & Request for Investigation, Deletion & Damages I am filing a formal complaint against multiple furnishers and CRAs for inaccurate, misleading, duplicative, and unlawful credit reporting. These accounts contain violations of the FCRA, FDCPA, and XXXX reporting standards. 
ACCOUNT # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Reporting Issues : - Multiple conflicting statuses across bureaus. 
- Charge-off + collection + closed + open. 
- Purchased by another lender and re-reported. 
- Duplicate reporting across bureaus. 
Violations : - FCRA 1681e ( b ) - FCRA 1681i - FCRA 1681s-2 ( a ) - FDCPA 807 & 808 - XXXX XXXX debt = XXXX tradeline rule Case Law : - XXXX XXXX TransUnion - XXXX XXXX Equifax - XXXX XXXX XXXX & XXXX Required Action : I demand full deletion and legal remedies. 
ACCOUNT # XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Reporting Issues : - Reported as collection with {$0.00} balance.

- Reported open and late XXXX  days. 
- Dispute remark is inaccurate. 
Violations : - FCRA 1681e ( b ) - FCRA 1681i - FDCPA 807 - FDCPA 808 - XXXX formatting violations Required Action : This account must be deleted due to failure to verify consistent data. 
ACCOUNT # XXXX DUPLICATE XXXX PURCHASE ACCOUNT Acct # XXXXXXXX XXXX XXXX XXXX  Reporting Issues :- Same debt reported as separate accounts. 
- Charge-off + collection + transferred. 
- Conflicting payment and status history. 
Violations : - FCRA 1681e ( b ) - FCRA 1681i - XXXX : XXXX debt = XXXX account rule - FDCPA 807 Required Action : This account must be immediately removed. 
REQUEST FOR CFPB INTERVENTION I am requesting : XXXX. Permanent deletion of every account listed above. 
XXXX. CRA correction of information. 
XXXX. Written results of investigation. 
XXXX. Damages under FCRA/FDCPA for negligent and willful reporting. 
LEGAL BASIS FOR REMOVAL These furnishers failed to maintain maximum possible accuracy under the following laws : - FCRA 15 U.S.C. 1681e ( b ) - FCRA 15 U.S.C. 1681i - FDCPA 15 U.S.C. 1692e - FDCPA 15 U.S.C. 1692f - Metro-2 CRRG guidelines 2.2, 2.6, 6.2 DEMAND I demand : - Immediate deletion - Cease furnishing inaccurate data - Confirmation in writing Failure to remove these accounts is continued willful violation under FCRA 1681n & 1681o.

Sincerely,

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 2025-11-28 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: TN

Complaint narrative:
To : Consumer Financial Protection Bureau RE : Credit Furnisher Violations & Request for Investigation, Deletion & Damages I am filing a formal complaint against multiple furnishers and CRAs for inaccurate, misleading, duplicative, and unlawful credit reporting. These accounts contain violations of the FCRA, FDCPA, and XXXX reporting standards. 
ACCOUNT # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Reporting Issues : - Multiple conflicting statuses across bureaus. 
- Charge-off + collection + closed + open. 
- Purchased by another lender and re-reported. 
- Duplicate reporting across bureaus. 
Violations : - FCRA 1681e ( b ) - FCRA 1681i - FCRA 1681s-2 ( a ) - FDCPA 807 & 808 - XXXX XXXX debt = XXXX tradeline rule Case Law : - XXXX XXXX TransUnion - XXXX XXXX Equifax - XXXX XXXX XXXX & XXXX Required Action : I demand full deletion and legal remedies. 
ACCOUNT # XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Reporting Issues : - Reported as collection with {$0.00} balance.

- Reported open and late XXXX  days. 
- Dispute remark is inaccurate. 
Violations : - FCRA 1681e ( b ) - FCRA 1681i - FDCPA 807 - FDCPA 808 - XXXX formatting violations Required Action : This account must be deleted due to failure to verify consistent data. 
ACCOUNT # XXXX DUPLICATE XXXX PURCHASE ACCOUNT Acct # XXXXXXXX XXXX XXXX XXXX  Reporting Issues :- Same debt reported as separate accounts. 
- Charge-off + collection + transferred. 
- Conflicting payment and status history. 
Violations : - FCRA 1681e ( b ) - FCRA 1681i - XXXX : XXXX debt = XXXX account rule - FDCPA 807 Required Action : This account must be immediately removed. 
REQUEST FOR CFPB INTERVENTION I am requesting : XXXX. Permanent deletion of every account listed above. 
XXXX. CRA correction of information. 
XXXX. Written results of investigation. 
XXXX. Damages under FCRA/FDCPA for negligent and willful reporting. 
LEGAL BASIS FOR REMOVAL These furnishers failed to maintain maximum possible accuracy under the following laws : - FCRA 15 U.S.C. 1681e ( b ) - FCRA 15 U.S.C. 1681i - FDCPA 15 U.S.C. 1692e - FDCPA 15 U.S.C. 1692f - Metro-2 CRRG guidelines 2.2, 2.6, 6.2 DEMAND I demand : - Immediate deletion - Cease furnishing inaccurate data - Confirmation in writing Failure to remove these accounts is continued willful violation under FCRA 1681n & 1681o.

Sincerely,

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Dis

pute & Demand for Immediate Removal of Reinserted Negative Items FCRA 611 ( a ) ( 5 ) ( B ) To Whom It May Concern, I am writing to dispute several negative items that have reappeared on my TransUnion credit report after previously being deleted. This is a violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ), which requires : 1. A furnisher must certify accuracy BEFORE an item can be reinserted, 2. TransUnion must notify me in writing within 5 business days of re-insertion, and 3. If certification and notification did not occur, the item must be removed immediately. I did NOT receive any notice, nor did I receive proof of a valid certification from the furnishers. For that reason, the following items were illegally reinserted and must be deleted immediately : List the accounts that reappeared ( XXXX XXXX XXXX Date opened : XX/XX/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  ) My Legal Demands Under FCRA : Remove all reinserted negative items immediately under FCRA 611 ( a ) ( 5 ) ( B ).

Provide full reinvestigation results and method of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Provide complete itemized information on each disputed account under my rights in FCRA 609 ( a ).

If TransUnion can not provide proof of certification and reinsertion notice, you are legally obligated to delete these items within 5 business days.

Failure to comply will result in a formal complaint filed with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney General Thank you for your prompt attention. I expect written confirmation once the items are removed. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing this complaint because several items appearing on my credit reports with the XXXX major credit bureaus ( Equifax, XXXX, and XXXX  ) are inaccurate, incomplete, or can not be properly verified. I have attempted to resolve these issues directly with the credit bureaus but have not received satisfactory responses. I am requesting the Consumer Financial Protection Bureaus assistance in ensuring that my reports are corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts in Dispute XXXX  XXXX  Account XXXX XXXXXXXX Reported charge-off date : XX/XX/XXXX | Amount : {$740.00} Dispute : This account is reporting as charged-off ; however, I have no record of receiving proper notice of charge-off, and I believe the balance and status are inaccurate. Please request full validation from the furnisher. 

XXXX XXXX XXXX Account XXXX XXXXXXXX Reported date : XX/XX/XXXX | Amount : {$520.00} Dispute : This collection/charge-off is reporting without verification of original creditor, balance accuracy, or date of first delinquency. I request deletion or proper validation. 

XXXX XXXX XXXX Account XXXX XXXXXXXX Reported date : XX/XX/XXXX | Amount : {$800.00} Dispute : Same as aboveplease verify ownership, original account details, and accurate reporting per FCRA Section 611. 

Inquiries in Dispute XXXX XXXXXX/XX/XXXX Dispute : I do not recall authorizing this inquiry. Please confirm permissible purpose and remove if not properly authorized. 

Late Payments in Dispute XXXX  Account XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Account XXXX XXXXXXXX Dispute : Late payments reported inaccurately. Please review payment history for accuracy and provide evidence supporting the reported delinquencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: NY

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: TX

Complaint narrative:
This collection agency contacted me once, and asked for my address to mail the reason for the collection. I never received anything from them, including no more phone calls. 
My employer alerted me to this collection on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: MD

Complaint narrative:
I am writing to dispute certain information on my credit reports that I believe to be inaccurate or incomplete. Below are the details of the disputed accounts, separated by each credit bureau : TRANSUNION ( XXXX ) CHARGED OFF XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7700.00} INQUIRIES XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XXXX, I identified an inaccurate entry on my credit report related to LVNV FUNDING LLC showing a balance of {$500.00}. I reviewed my records and confirmed that I do not owe this amount and did not open or authorize any account connected to this debt. 

After noticing the issue, I disputed the item with the credit bureau and requested validation from the company. LVNV FUNDING LLC did not provide proper verification and did not respond to my request. 

The inaccurate information is still appearing on my credit report, and it is negatively affecting me. I am requesting that this entry be investigated and removed if it can not be verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX, INC. account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is a formal complaint regarding the handling of my Citi XXXX XXXX card application. After I provided the mandatory XXXX form on time and confirmed its receipt, Citi closed my account with no explanation and without processing my documentation. This lack of transparency is unacceptable. I am requesting a full explanation for : The cards closure, and The failure to process the documents I provided. 
Please respond promptly so I can understand what action Citi intends to take.

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 2025-11-28 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: GA

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of XXXX year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file. 
I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of XXXX year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file. 
I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

Company response to consumer: Closed with explanation