vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: Block, Inc.
State: CA

Complaint narrative:
My Cash App business account, which Ive had for about XXXX years, was suddenly closed without any clear explanation. 

I was never told what exact rule or policy I violated, and when I contacted Cash App support, I only received generic responses. I have not used my account for anything improper, and I relied on it for legitimate transactions. 

This sudden and unexplained closure feels unfair and has caused me disruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and XXXX XXXX reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
b'XXXX XXXX XXXX XXXX  Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement: XXXX XXXX XXXX  Collection XXXX XXXX XXXX  Collection account. $XXXX  past due as of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  0% XXXX XXXX  1 Month Individual Comments: Contact Info: XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX  24-month payment history I have never had any account with either party and Im requesting legal validation of this account validity of the debt owed as 15 usc 1681 has been violated. I never authorized either party to use or share my information. ncern: I am writing to inform you I have been a victim of identity theft, and many accounts were established without my consent. This letter is to inform your company I am disputing this debt and have filed a police report. I have a right under the Fair Debt Collections Practices Act to request validation of the bill for which your company is requesting payment. I am asking that you send me proof this account belongs to me as well as any agreement obligating me to it. Please be informed that reporting inaccurate information to the credit bureaus is a defamation of character. I am requesting that this letter be forwarded to your legal department since non-compliance with it may be in violation with the Federal Trade Commission and other federal agencies. 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 explanation
Consumer complaint received 2025-08-28 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: Nelnet, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate and unlawful reporting of my student loan accounts with the DEPARTMENT OF EDUCATION XXXX NELNET. Multiple accounts, including those ending in XXXX, XXXX, XXXX, and XXXX, opened between XXXX and XXXX with balances ranging from {$820.00} to {$2500.00}, are being reported to the bureaus with XXXX late payments for XX/XX/XXXX and XXXX late payments for XX/XX/XXXX. This reporting is inaccurate and does not reflect the true status of these accounts. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to provide only accurate, complete, and verifiable information. Reporting false or misleading information to the bureaus constitutes a violation of federal law and harms my creditworthiness.

As a furnisher, the DEPARTMENT OF EDUCATION / NELNET has a legal duty to ensure that all information provided to the bureaus is correct and verifiable. Providing derogatory entries that are inaccurate violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which prohibits furnishers from knowingly providing false information. The incorrect reporting of 90-day and 120-day late payments is misleading, unverified, and materially impacts my financial profile. Supplying inaccurate information demonstrates negligent and potentially willful noncompliance with federal obligations and consumer protection statutes.

Additionally, FCRA Section 623 ( b ) requires that furnishers conduct a reasonable investigation when a consumer disputes inaccurate information. DEPARTMENT OF EDUCATION / NELNET has failed to fulfill this requirement by continuing to report erroneous late payments to the bureaus. Failure to investigate and correct these inaccuracies constitutes a willful disregard for statutory obligations and undermines the integrity of the credit reporting system. Such conduct exposes the furnisher to regulatory scrutiny and potential legal liability.

The impact of these inaccuracies is significant. False derogatory marks on my accounts can lower my credit score, increase borrowing costs, and limit access to fair credit opportunities. Congress enacted the FCRA to prevent precisely this type of harm from negligent or willful misreporting. By continuing to report unverified late payments to the bureaus, the DEPARTMENT OF EDUCATION XXXX NELNET is creating unlawful damage to my credit history and financial reputation. This type of reporting can not be justified under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NV

Complaint narrative:
" The Fair Credit Reporting 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorre
ct late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau XXXX CFPB ) * * From : * * Bank of America XXXX XXXX Regarding : * * Bank of America XXXX Account ending in XXXX and XXXX * * Summary of Complaint : * * I am disputing the way Bank of America is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ).

Both notices are mandatory, and the furnisher must provide them to me in writing.

* * Details of the Issue : * * - The account in question is a credit card issued by Bank of America - The account reported positively for a period of time. 

- After I became delinquent, Bank of America charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. 
- I never received an Adverse Action Notice. 

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit.

- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report.

* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies.

2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing.

* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.

- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB. 
- Written confirmation that proof is provided or deletion of the charge-off occurs.

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 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am submitting this complaint regarding Citibanks handling of an AAdvantage  credit card account that I was approved for in XX/XX/XXXX. I was promised a promotional offer of XXXX AAdvantage bonus miles after spending {$2500.00} within the first 3 months, and a waived {$99.00} annual fee for the first year. However, I never received the card, was never able to activate or use it, and nearly a year later I was charged the {$99.00} annual fee. Despite multiple attempts to resolve this issue directly with Citibank, they are refusing to reverse the charge or honor the original promotional offer.

I was approved for the Citi / AAdvantage credit card in XX/XX/XXXX XXXX  under the terms listed above. I was told I could use the card immediately via a temporary digital code, but I never received that either. I called Citibank to report the missing card and requested a reissue, but I never received the replacement either. The card was never activated, registered, or usednot a single transaction was made on the account. 
Despite having XXXX access to the card, Citibank charged me a {$99.00} annual fee in XXXX, nearly a year after the original approval. This fee should have been waived according to the promotional offer, and it is unreasonable to be charged for a card I never received or had the ability to use. 
I called Citibank customer service, explained the issue in detail, and requested both a refund of the {$99.00} fee and the reinstatement of the original promotional offer. I was told my only option was to reapply for a new card, which would not include the original promotional terms. This is unacceptable, as the failure to provide the card and access to benefits was entirely on Citibanks end. 
I am requesting the following resolution : A full reversal of the {$99.00} annual fee Reinstatement of the original promotional offer ( XXXX AAdvantage bonus miles after {$2500.00} in spending within 3 months ) Reissuance of the credit card with appropriate time to meet the spending requirement I have made good faith efforts to resolve this issue directly with Citibank, but they have not provided a fair or reasonable resolution. I am asking the CFPB to assist in addressing this issue and ensuring that I am not held responsible for charges or forfeited benefits tied to a credit product I never received or could use.

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am unaware of this company or what that they claim I have and they wont provide any

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: NJ

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2025-08-28 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Unauthorized Inquiries to Be Deleted : 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 non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$910.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief