vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Re : Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report.

Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. I specifically dispute the [ mention specific aspect you dispute, e.g., amount owed, accuracy of the dates, or lack of proper notice ].

Demand for Action : I demand that Credit Bureau immediately investigate this dispute and remove the inaccurate and invalid collection account from my credit report. Failure to do so within [ 15 ] business days will leave me with no choice but to pursue further action, including, but not limited to, filing a formal complaint with the Federal Trade Commission and potentially pursuing legal remedies. 


XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Original Creditor : XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to request the removal of student loan accounts from my credit report that are legally required to be discharged due to my status as a veteran with a VA-determined Total and Permanent Disability ( TPD ).

I have received a formal determination from the U.S. Department of Veterans Affairs confirming that I am totally and permanently XXXX and unemployable due to service-connected conditions. 

Legal Grounds : Under the Higher Education Act and regulations established by the U.S. Department of Education, a veteran whose TPD status is verified by the VA is automatically eligible for the discharge of federal student loans.

Per 34 C.F.R. 685.213, and as supported by the Fair Credit Reporting Act ( FCRA ) 605 and 611, no discharged federal student loan account should continue to be reported as active, charged-off, delinquent, or past due.

Despite this, my credit report continues to reflect these loan accounts inaccurately, which violates federal credit reporting regulations and causes undue harm to me as a XXXX veteran. 

I am requesting that the CFPB : 1. Assist in the removal of all XXXX federal student loans from my credit file. 
2. Ensure that credit reporting agencies are properly updating my file according to VA-based discharge provisions.

3. Investigate why these accounts remain and direct the relevant data furnishers ( loan servicers or agencies ) to correct the records.

Attached Documents : Copy of my VA Total and Permanent Disability Determination Letter Copy of Disability Discharge confirmation ( if applicable ) Government-issued ID Proof of address I appreciate your help in enforcing my rights under federal law and request a prompt resolution to ensure these inaccurate loan records are permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: DISCOVER BANK
State: VA

Complaint narrative:
On Sunday, XX/XX/2024, I, XXXX XXXX XXXX, ordered a product called XXXX XXXX, a liquid weight loss supplement advertised online with the offer : XXXX XXXXXXXXBottle Try 60 Days Risk-Free. 
After using the product for about one month, I experienced severe XXXX and decided to return the product. On XX/XX/2024, I contacted Discover Card customer service to obtain information about the merchant so I could proceed with the return. I was provided with the phone number XXXX, which I called. 
During that call, I was instructed to return the unopened bottles to the following address for a full refund of {$290.00} : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX I confirmed the return address again on XX/XX/2024. That same day, at XXXX XXXX I shipped the package via USPS from XXXX XXXX, MD XXXX. According to USPS tracking, the package was picked up at a XXXX, FL postal facility on XX/XX/2024, at XXXXXXXX XXXX 
Later that day, I called XXXX XXXX customer service to confirm receipt of the package. A representative assured me that the return had been received and that a refund of {$290.00} would be processed back to my Discover Card. However, to date, no refund has been issued.

I have since spoken to eight Discover Card dispute representatives and two dispute managers regarding this matter. Despite following all instructions and returning the product well within the 60-day risk-free period, I have yet to receive a resolution. 
Exhibits : Exhibit A : Advertisement for XXXX XXXX XXXX XXXX XXXXXXXX/Bottle Try 60 Days Risk-Free '' Exhibit B : USPS Tracking Information Tracking Number : XXXX ( Package picked up at XXXX, FL postal facility on XX/XX/2024, at XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: AL

Complaint narrative:
I XXXX XXXX XXXX filing this complaint to the CFPB after noticing an account reported on my credit report that shouldn't be on there. Im involving the CFPB because that's the sole purpose of their existence, to protect the privacy and rights of consumers. The account XXXX, which is a student loan from the Department of Education. According to the XXXX XXXX Rights & Privacy Act ( XXXX ). XXXX is a federal law enacted in XXXX  that protected the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post secondary school. 20 USC 1232 ( g ). Also violates the privacy XXXX XXXX XXXX. " Remove '' or " Delete this item from my reports IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit report of XX/XX/year> - report XXXX XXXXXXXX shows that this item was DELETED from my credit report. This item has been REINSERTED on my credit report. XXXXXXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting these accounts from my credit report.

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 2025-06-01 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: Velocity Portfolio Group
State: CA

Complaint narrative:
want u help make a letter for debt validation and ownership. Copie of original contrac and signature from all partys. Any agreement sent must be with origal creidt and includ terms and agreements that create alleged debt including all addendum and riders. Please send proff of chain of ownership of alleged debt. Original owerner to current owner without any break in chain. 
Include a full accounting history from original creditor and date and amount of each payment leading to first delinquency. Proff u are allowed to collect debt in ca and including 3rd party debt collect bond.i want prof u sent me legal notice about debt before u reported it to colection agency I want copies of orinal notice sent out any letter tracking ur firm maintain ftc vs XXXXXXXX XXXX XXXX makes it clear that if debt parking without proper notice is violation of custermer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery Associates , LLC I ask for this, XXXX XXXX and XX/XX/year> Debt Validation and Verification In the amount of XXXX XXXX. A copy of the original signed contract or agreement. 
XXXX. A detailed breakdown of the amount claimed, including interest and fees. 
XXXX. Proof that you have the authority to collect this debt. 
XXXX. Documentation showing the chain of assignments, if any.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
Re : Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report.

Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. I specifically dispute the [ mention specific aspect you dispute, e.g., amount owed, accuracy of the dates, or lack of proper notice ]. 
Demand for Action : I demand that [ Credit Bureau ] immediately investigate this dispute and remove the inaccurate and invalid collection account from my credit report. Failure to do so within [ 30 ] business days will leave me with no choice but to pursue further action, including, but not limited to, filing a formal complaint with the Federal Trade Commission and potentially pursuing legal remedies. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX  Account Number : XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : 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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
This is a formal dispute under FCRA Section 611 ( 15 U.S. Code 1681i ). Please investigate this item. If you can not verify it with original documentation from the data furnisher, it must be deleted within 30 days. 
Is account is incorrect and need to removed from my correct report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my Consumer Reports, I noticed inaccuracies regarding late payments on an account that I've consistently paid on time. I believe it's essential for Consumer Reporting Agencies to ensure the accuracy of the information they report. The account in question is : XXXX XXXX XXXX, XXXX. I've always made timely payments on this account. I request a thorough investigation into these discrepancies and ask that you provide evidence supporting the reported late payments. If no such evidence exists, I request that the payments be updated to reflect their accurate status as on-time payments, consistent with my payment history.

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 2025-06-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently reviewed my credit report and noticed XXXX account was not reported accurately. There is XXXX late payment on XXXX account that I paid on time. The consumer reporting agencies should report all information properly. This account does not have any late payments. I have uploaded a copy of the report shows the late payment with the following date ( XX/XX/year> ). I'm requesting an investigation and provide proof showing that I had a late payment. If the informaton can not be accurately proven I demand that the information to be updated to paid on time. Thank you for understanding and prompt action

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 2025-06-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX * * * * * * Balance : {$710.00} CAPITAL XXXX XXXX * * * * * * Balance : {$3900.00} XXXX OF XXXX * * * * Balance : {$550.00} XXXXXXXX XXXX XXXXXXXX * * * * * * Balance : {$5300.00} XXXX XXXX XXXX * * * * * * * * * Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX * * * * * * * * * Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * Balance : {$960.00} XXXXXXXX XXXX XXXX * XXXX * Balance : {$480.00} PORTFOLIO XXXX XXXX * * * * * * * * * * Balance : {$1600.00} XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Company-Robinhood Issue My account information was used to withdraw money ( fraudulent charges ) and Robinhood restricted my account instead of helping me get my funds back. 
XXXX charges happened XX/XX/year> XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX XX/XX/year> XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XX/XX/year> XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX az XXXX XX/XX/year> XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX az XXXX Robinhood restricted my account and wants me to upload bank statements from an account Ive closed and removed over a year ago, that I no ponger have access to. Ive told them this and told them my direct deposit has been going to my Robinhood spending account, and they still wont use my spending account to verify the transactions. So Im stuck on getting my account unrestricted and disputing the charges, because I dont have access to an account that was closed and doesnt have bank statements for XX/XX/year>. 

Also my account is supposed to have location protection on, which didnt work, and let someone access money from my account, so whats the point t of having a service that doesnt protect peoples money?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and found U.S. Bankruptcy Court public record items listed under my credit profile. Per FCRA 623 ( a ) ( 5 ) : " If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. '' I have received official correspondence from the U.S. Bankruptcy Court which clearly states that they do not furnish data to any credit reporting agencies, nor do they verify or validate public record information. These details are often reported by third-party data aggregators without consumer authorization or original creditor verification. 

Furthermore, my inquiry with both the County Recorder of Deeds and the U.S. Bankruptcy Court confirms that Equifax, TransUnion, and Experian have never verified these public records with them. They have also confirmed that they are not liable for incorrect, outdated, or misused public records reported on consumer credit profiles. 

Because these public record entries were not validated by the actual sourcethe U.S. Bankruptcy Courtand are instead reported by unreliable third parties, their presence on my credit report is a violation of FCRA law. I demand that all bankruptcy and tax lien information currently listed under my Social Security number be permanently deleted from my credit file. 

In accordance with FCRA 623 ( a ) ( 3 ), I also formally request : Copies of all documentation used to verify these public records. 

The name of the party that furnished the data. 

Proof of a court order or signed release authorizing this information to appear on my credit report. 

Failure to provide the above documentation within 30 days, as required by federal law, will constitute a further violation of the Fair Credit Reporting Act and will be escalated to the Consumer Financial Protection Bureau and other authorities. 

Please consider this a formal dispute and request for deletion. I expect to receive a response in writing within 30 calendar days.

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 2025-06-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Block, Inc.
State: TX

Complaint narrative:
I attempted to use Cash Apps Buy Now Pay Later ( BNPL ) feature both in-store and online at Target. The program was advertised as allowing full deferred payment, but in practice, it required an upfront partial payment ( e.g., {$8.00} ) and imposed a {$15.00} minimum purchase limit. These conditions were never disclosed in the user agreement, promotional material, or checkout interface. 

Details : I used Cash Apps virtual BNPL card via XXXX XXXX at a Target store on XX/XX/year>. The transaction was declined despite proper setup. 
I attempted online checkout and was forced to pay {$8.00} upfront despite selecting the XXXX option. 
I reviewed XXXX XXXX XXXX terms and confirmed there was no mention of upfront payment or minimum threshold. Screenshots of the terms and payment screen are included. 
A XXXX employee verbally confirmed the program is misleading and requires upfront payment. 

I believe this constitutes deceptive lending practices, failure to disclose material conditions, and consumer fraud. 

Involved Parties : Cash App XXXX Block Inc. 
XXXX XXXX ( as participating retail partner )

Company response to consumer: Closed with explanation