vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 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: DE

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details : 1. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX Please ensure that all information is accurate XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX Please ensure that all information is accurate XXXX. XXXX Account Number : XXXX XXXX. XXXX Account XXXX : 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 non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/year> I was sending a money transfer of XXXX dollars to a XXXX XXXX and Cashapp decided that the transfer not be transferred and this has happened many times when I want to transfer money to my friends. I always include the reason why I am sending money and frankly Im tired of Cashapp security stopping payment for my protection. If I chose to send my money to whoever I want then Cashapp should not interfere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-05 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: PA

Complaint narrative:
Subject : Formal Demand for Investigation, Verification, and Deletion of Inaccurate and Unlawfully Reported Accounts Dear Credit Experian Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and under UDAP ( Unfair and Deceptive Acts and Practices ) and UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) provisions of the Dodd-Frank Act, 12 U.S.C. XXXX, this letter serves as my formal notice of dispute regarding several tradelines that appear inaccurate, misleading, or reported without a lawful permissible purpose. 
Under 15 U.S.C. 1681b, no entity may obtain or furnish my consumer report except for specific, legally defined purposes. Any reporting outside those limits is a violation of federal law and a deceptive or abusive act under UDAP/UDAAP. 
Inaccuracies & Violations : TransUnion lists the account as Open Collection/Charge-off, while Experian and Equifax list it as Closed, showing contradictory statuses.

The Original Creditor field is inconsistent : XXXX XXXX XXXX XXXX is not identified as having verified ownership. 


No payment history or validation of debt is reported, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( duty of furnishers to provide accurate information ).

There is no proof of permissible purpose to report or collect under 1681b ( a ) ( 3 ) ( A ) The tradeline includes statements like Account information disputed by consumer meets FCRA requirements while continuing to report as derogatory a misleading representat
ion and unfair practice under UDAP/UDAAP.

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 2025-10-05 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: Paypal Holdings, Inc
State: WV

Complaint narrative:
I have reported this to XXXX  marshals. There seems to be an issue accessing my PayPal account due to the fact that when accessing it an error screen comes up and then it hurries up and flips over to the PayPal. XXXX allowed to transport money or transfer from my bank account to PayPal, but I am not allowed to transfer from PayPal to my bank account. Could you tell me what this error message is and who else is using my account or is there XXXX accounts set up someone pretending to be me and My Account because when accessing the XXXX it says I have {$78.00} in the bank but when accessing my account I have XXXX. or when accessing my taxes, which I still havent received it states the company I was working for was overtaken by another company from California who decided to change my Social Security number at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
This complaint requests a new, independent CFPB investigation into Cash Apps retaliation and mishandling of fraud claims, which mirrors the same violations described in the XXXX XX/XX/year> enforcement order against Block Inc. 

I experienced multiple unauthorized or duplicate charges on my account and repeatedly asked Cash App for help. 
Instead of investigating or identifying similar fraudulent transactions for me, they told me I could only dispute them manually. 
After I began doing so, Cash App closed my account and falsely accused me of fraudulent disputing even though I was following their own instructions and had first asked for help. 

Since then, they have refused to reopen my account, ignored my requests for documentation, and blocked me from filing or tracking any disputes.

Violations of Federal Law and the CFPB Order Cash Apps actions violate : The Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR 1005.11 ), for failing to conduct a prompt, good-faith investigation, issue provisional credits, or provide written results.

12 U.S.C. 55315536 ( UDAAP ), for engaging in unfair, deceptive, and abusive practices by retaliating against a consumer who exercised protected rights.

The CFPBs 2025 Enforcement Order requiring Block Inc. to stop penalizing customers who report fraud and to improve its investigation process. 

By accusing me of wrongdoing for seeking help, Cash App both punished and silenced me conduct directly prohibited under federal consumer-protection law. 



Ongoing Harm My Cash App account was permanently closed without valid cause. 
I remain unable to recover funds from unresolved unauthorized transactions. 
I was publicly and internally labeled as a fraudulent disputer, damaging my credibility and access to digital-payment tools. 
I have no access to the dispute portal or any written case outcomes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I canceled my XXXX account on XX/XX/year>. It's not a recent account. Credence Resource Management is falsifying dates to damage my credit history. And I don't agree with the balance amount XXXX says I owe them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: PA

Complaint narrative:
In XX/XX/year>, I submitted a written dispute and formal request for validation to Portfolio Recovery Associates ( PRA ) regarding an alleged XXXX XXXX account ending in XXXX, with a claimed balance of {$2600.00}. My letter ( dated XX/XX/year> ) was sent directly to PRAs dispute address and clearly invoked my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Pennsylvania Fair Credit Extension Uniformity Act.

In that letter, I requested full validation of the alleged debt, including itemization, original contract, chain of ownership, and proof that PRA had the legal right to collect. I also requested that all collection activity cease until validation was provided, and that the account not be reported to any credit reporting agency while the dispute was pending.

PRA never provided the requested validation, never responded in writing, and nevertheless reported the alleged debt to the major credit bureaus without marking it as disputed. This constitutes a violation of the FDCPA ( 1692g ( b ) and 1692e ( 8 ) ) and state law.

I am requesting CFPB assistance to compel PRA to provide full validation of the debt or delete the tradeline entirely, and to ensure they cease reporting unverified or disputed debts in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: CL Holdings LLC
State: MD

Complaint narrative:
I have sent cease and desist letters to collection acencies that have not followed the cease and desist. Im getting constant emails and calls from the companies. I never consented to them buying my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I have sent cease and desist letters to collection acencies that have not followed the cease and desist. Im getting constant emails and calls from the companies. I never consented to them buying my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
-What Happened : In XX/XX/XXXX, Scott & Associates , acting for XXXX XXXX XXXX XXXX had its process server ( XXXX XXXX ) tape an unsealed packet of lawsuit papers to the outside of my apartment door in a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( my unit is by the elevator ). 

The XXXX XXXX exposed my name, creditor, alleged balance, court/docket information, current/prior addresses, and partially non-redacted account numbers, plus an exposed credit/loan agreement. Neighbors, building staff, visitors and potentially my employer who visits the floor could see it. 

-Why its a problem : This is a thirdparty disclosure and unfair collection practice. It caused humiliation, stress, and identityrisk. I later faced a default and receivership after assuming it was junk/scam-attempt ; knowing my privacy rights and assuming a court process service would not violate my rights. 

-What I tried : On XX/XX/XXXX, I emailed Scott & Associates compliance contacts ; I received only an automated reply and no followup.

Prior CFPB Case No. XXXX, companys response acknowledged the doorposting but dismissed my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : Formal Demand for Investigation, Verification, and Deletion of Inaccurate and Unlawfully Reported Accounts Dear Credit Experian Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and under UDAP ( Unfair and Deceptive Acts and Practices ) and UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) provisions of the Dodd-Frank Act, 12 U.S.C. XXXX, this letter serves as my formal notice of dispute regarding several tradelines that appear inaccurate, misleading, or reported without a lawful permissible purpose. 
Under 15 U.S.C. 1681b, no entity may obtain or furnish my consumer report except for specific, legally defined purposes. Any reporting outside those limits is a violation of federal law and a deceptive or abusive act under UDAP/UDAAP. 
Inaccuracies & Violations : TransUnion lists the account as Open Collection/Charge-off, while Experian and Equifax list it as Closed, showing contradictory statuses.

The Original Creditor field is inconsistent : XXXX XXXX XXXX XXXX is not identified as having verified ownership. 


No payment history or validation of debt is reported, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( duty of furnishers to provide accurate information ).

There is no proof of permissible purpose to report or collect under 1681b ( a ) ( 3 ) ( A ) The tradeline includes statements like Account information disputed by consumer meets FCRA requirements while continuing to report as derogatory a misleading representat
ion and unfair practice under UDAP/UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: PA

Complaint narrative:
Subject : Formal Demand for Investigation, Verification, and Deletion of Inaccurate and Unlawfully Reported Accounts Dear Credit Experian Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and under UDAP ( Unfair and Deceptive Acts and Practices ) and UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) provisions of the Dodd-Frank Act, 12 U.S.C. XXXX, this letter serves as my formal notice of dispute regarding several tradelines that appear inaccurate, misleading, or reported without a lawful permissible purpose. 
Under 15 U.S.C. 1681b, no entity may obtain or furnish my consumer report except for specific, legally defined purposes. Any reporting outside those limits is a violation of federal law and a deceptive or abusive act under UDAP/UDAAP. 
Inaccuracies & Violations : TransUnion lists the account as Open Collection/Charge-off, while Experian and Equifax list it as Closed, showing contradictory statuses.

The Original Creditor field is inconsistent : XXXX XXXX XXXX XXXX is not identified as having verified ownership. 


No payment history or validation of debt is reported, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( duty of furnishers to provide accurate information ).

There is no proof of permissible purpose to report or collect under 1681b ( a ) ( 3 ) ( A ) The tradeline includes statements like Account information disputed by consumer meets FCRA requirements while continuing to report as derogatory a misleading representat
ion and unfair practice under UDAP/UDAAP.

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 2025-10-05 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: DE

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-05 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: TX

Complaint narrative:
I am submitting this complaint regarding Transunion for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), specifically 605 ( b ) and 611, despite my having already filed an FTC Identity Theft Report ( Report XXXX XXXXXXXX, filed XX/XX/year> ). 
Under FCRA 605B, once a Consumer submits an FTC Identity Theft Report, the Credit Reporting Agency must block and remove all fraudulent accounts and Inquiries within 4 business days. The accounts and inquiries listed in my FTC Report- including XXXX XXXX  XXXX were never lawfully removed as required.

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