vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: ND

Complaint narrative:
I was hospitalized on XX/XX/year> for a XXXX XXXX XXXX. During my hospital stay, my ex-boyfriend gained access to my Cash App account and used it to steal over {$20000.00} from my bank account. These charges were not authorized. I called Cash App because my information that I used to sign in when I created the account was not working. Cash App advised me that they had no record or any way to retrieve the information on my account since my ex had changed all of it and taken over the account. Cash App terms and conditions, and federal banking laws state that a financial institution must retain banking records for a period of XXXX years and Cash App is failing to retain or provide those records to send me. I need my account to be accessed because I am being told by my bank that I have to dispute the charges with Cash App first before they will do anything about them since they do not have the ability to do a charge back to get my money back. Cash App is breaking several federal banking laws and I would like to get my account recovered so I can dispute these charges. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UPGRADE, INC.
State: MA

Complaint narrative:
XXXXIve tried multiple times via phone and email correspondence since XXXX  to close my account with Upgrade yet I still receive monthly statements I havent used the account in almost a year'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file.

I am demanding an immediate reinvestigation and deletion of the following account from my credit file : Disputed Account Information : XXXX XXXX XXXX - Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX -Account # XXXXXXXX XXXX XXXX XXXX XXXX-Account # XXXXXXXX XXXX XXXX XXXX-Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX-Account # XXXXXXXX XXXX XXXX XXXXXXXX-Account # XXXX  LEGAL GROUNDS FOR REMOVAL : Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days.

I am exercising this right and demanding strict compliance. Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : can not be verified must be deleted from the file of the consumer.

Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law.

Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately.

YOU ARE HEREBY PUT ON NOTICE : You have 30 days from the receipt of this letter to complete a lawful investigation.

If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted.

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

I am also prepared to pursue civil litigation under 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed.

I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay

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 2025-08-02 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I submitted a complaint ( XXXX ) with all sporting documents on XX/XX/year>. Equifax received and open a dispute on XX/XX/year>. XX/XX/year> I contacted Equifax and spoke to a representative and she claims they have not received my documents. In the complaint listed above you can see I attached my FTC Report, lease, SSN card, as well as my Drives License. I feel as though they are lying/ stalling to have more time. I reference FCRA code 15USC1681c-2 in my dispute which allows the reporting agency XXXX business days to block and remove the fraudulent account and its been longer than XXXX business days. Remove the fraudulent accounts or I will take legal actions. I will be resubmitting this complaint with the documents again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Re : Request for Validation of Alleged Debt under 15 U.S.C. 1692g and Notice to Cease Certain Communications under 15 U.S.C. 1692c ( c ) To Whom It May Concern, This letter is sent in response to your recent communication concerning an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically * * 15 U.S.C. 1692g ( a ) * *, I am exercising my right to request validation of the alleged debt.

* * I do not acknowledge this debt. * * In accordance with * * 15 U.S.C. 1692g ( b ) * *, I request that you provide competent legal validation of the debt you claim I owe. Please include the following : 1. The name and address of the original creditor ; 2. A complete account history, including all charges and payments ; 3. A copy of any written agreement bearing my signature which shows that I agreed to assume the debt ; 4. Documentation showing that your agency is legally authorized to collect debts in my state ; 5. Proof that your agency has been assigned or owns the right to collect this debt.

Please be advised that during the pendency of this dispute, you are prohibited from continuing collection activities per * * 15 U.S.C. 1692g ( b ) * * until you have provided the requested validation.

Additionally, pursuant to * * 15 U.S.C. 1692c ( c ) * *, you are hereby notified to cease all further communication with me regarding this matter, except as legally required. Any attempt to collect this alleged debt without validation is a violation of federal law and may be reported to the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and my state attorney general.

This is a formal notice that I am keeping records of all correspondence regarding this matter. I reserve the right to take legal action under * * 15 U.S.C. 1692k * * should my rights under the FDCPA be violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint is being filed to request that TransUnion block and remove fraudulent information from my consumer credit report in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Under this provision, TransUnion is required to block such information within four ( 4 ) business days of receiving this notice.

The information in question includes multiple unauthorized hard inquiries that were made without my knowledge or consent, and are the direct result of identity theft and fraud. The following accounts are fraudulent and must be deleted from my credit file : XXXXXXXX XXXX XXXX - Inquired on XX/XX/2025, XXXX XXXX - Inquired on XX/XX/2025, XXXX XXXX XXXX Inquired on XX/XX/2025 All of the above inquiries are not mine. To support my claim, I have attached a copy of my FTC Identity Theft Report ( Criminal Complaint # XXXX ) filed with the U.S. Federal Trade Commission, which confirms that these items are the result of identity theft.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXXXXXX XXXX XXXX XXXX XXXX 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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequium Asset Solutions, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX, I paid a full settlement to Sequium Asset Solutions for an XXXX account. Since then, all three companies involved XXXX, Sequium, and Velocity have failed to take responsibility. The account is still being reported as derogatory across XXXX XXXX XXXX XXXXI have sent XXXX formal notices demanding correction and deletion, and I received a response from Sequium on XX/XX/XXXX, acknowledging payment but their letter falsely listed the wrong amount. 

Despite multiple contacts and proof of settlement, no one has corrected the credit reporting, no one has updated the bureaus, and no one is accepting accountability. 

This is not a request for reinvestigation. 
This is a demand for deletion under the FCRA and XXXX XXXX standards. 

The debt was settled. 
I have proof. 
Continued inaccurate reporting constitutes a willful FCRA violation and will be pursued through all available regulatory channels.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group
State: CO

Complaint narrative:
On XX/XX/XXXX, I paid a full settlement to Sequium Asset Solutions for an XXXX account. Since then, all three companies involved XXXX, XXXX, and Velocity have failed to take responsibility. The account is still being reported as derogatory across XXXX XXXX XXXX XXXX.

I have sent two formal notices demanding correction and deletion, and I received a response from XXXX on XX/XX/XXXX, acknowledging payment but their letter falsely listed the wrong amount. 

Despite multiple contacts and proof of settlement, no one has corrected the credit reporting, no one has updated the bureaus, and no one is accepting accountability. 

This is not a request for reinvestigation. 
This is a demand for deletion under the FCRA and XXXX XXXX standards. 

The debt was settled. 
I have proof. 
Continued inaccurate reporting constitutes a willful FCRA violation and will be pursued through all available regulatory channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Good afternoon, recently i checked my credit report and realized that someone used my information to obtain a credit card for a significant amount, Please help me to remove this credit card debt off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because multiple bankruptcyrelated accounts are being inaccurately reported on my credit reports by Experian, Equifax, and TransUnion. 

I filed for XXXX XXXX XXXX and received a discharge, yet the following issues are present on my credit reports : 1. Several accounts are reported as Included in Bankruptcy ( IIB ) or ChargeOff but are showing postbankruptcy activity, which is not allowed. 
2. XXXX XXXX accounts are inaccurately reported as XXXX  XXXX adjustments when my bankruptcy was XXXX XXXX. 
3. These inaccuracies are materially false and are negatively impacting my FICO and Auto scores.

I have already filed disputes with the credit bureaus, and the accounts remain unverified and inaccurate.

Requested Resolution : Investigate and ensure that all inaccurately reported bankruptcyrelated accounts are corrected or deleted.

Require the credit bureaus to provide written confirmation of corrections or deletions.

Ensure compliance with FCRA 611 and 623, which require that only accurate and verifiable information be reported.

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 2025-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Number : XXXX Email : XXXX XX/XX/year> XXXX XXXX XXXX XXXX  Attn : Customer Service/ Consumer Relations Subject : Formal Complaint Regarding Credit Denial FCRA Violation ( 15 U.S.C. 1681 ) To Whom It May Concern : I am writing to formally dispute and file a complaint concerning a credit denial I received from XXXX XXXX XXXX XXXX, which I believe was based on inaccurate or outdated credit information in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). This denial directly impacted my ability to purchase a motorcycle - transportation I urgently needed to maintain my job and meet daily obligations. 
According to my Experian credit report dated XX/XX/year>, there are multiple inaccuracies and outdated negative entries, including those associated with XXXX XXXX XXXX XXXX, which show multiple late payments and a past-due balance. Some of these entries have already been marked as previously in dispute. I believe this inaccurate information unfairly influenced your decision. 
Under the FCRA, I am entitled to a credit report that is accurate and fairly reported. Specifically, 15

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing as a consumer to formally request a review and correction of certain information listed on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I would like to dispute the following items : see attached

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 2025-08-03 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: OK

Complaint narrative:
I am writing to request the removal of a Credit card account listed under my credit report. Upon reviewing my credit report, I have found that this account named XXXX XXXX  XXXX is not mine / reporting incorrect information ]. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is inaccurate, incomplete, or unverifiable.

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 2025-08-03 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: OK

Complaint narrative:
I am writing to request the removal of a Credit card account listed under my credit report. Upon reviewing my credit report, I have found that this account named XXXX XXXX  XXXX is not mine / reporting incorrect information ]. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is inaccurate, incomplete, or unverifiable.

Company response to consumer: Closed with explanation