vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: FL

Complaint narrative:
I had an cash app account making transactions from one bank to another which is my XXXX account. I logged out of my cash app account, than logged back in it had prompted me that there had been a violation on my account.. I've never did anything illegal with the count. I ofter move my money to cash app than back the XXXX which is not legal, I had been doing transactions for years, I helps me keep my money safe .. if there were anything illegal going on with my account, I have no proof, an if there no proof than I feel that I should be granted an new cash app account, or arrange for my old on to be reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA closed my checking account without prior notice, citing a fraud investigation. I was not involved in any fraudulent activity and have not received a detailed explanation for the closure. My account still contains funds that I need to pay essential bills and living expenses. I have contacted USAA, but they told me they can not assist further. I am requesting assistance to either have the account re-evaluated and reopened or to have my remaining funds returned via check or transfer. This situation is causing financial hardship and I would like this resolved as quickly as possible. USAA notified me that my account will be terminated due to fraudulent activity. I then contacted them to verify as to why my account is closing and how can i access. They were unable to fully notify me as to why until an investigation is done. I then asked to how can i access my funds and they said i would be able to access until the investigation is over. This was very frustrating as to not knowing fully why my account is being closed only based on assumptions, and i cant access my funds till after XXXX XXXX beginning on XX/XX/XXXX. Ive had the account for many years and dont understand as to why they are closing it, especially not knowing the reason why.

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 2025-07-02 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, 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 explanation
Consumer complaint received 2025-07-02 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: Law Offices of Timothy M. Sullivan
State: NC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX XXXX sent a medical bill that is less than XXXX to my credit report. 
They did not provide fair warning of bill They billed incorrectly and would not resubmit the bill The hospital bill significantly had negative impact on my credit report She would not remove the credit report even after showing her the rules/ laws that she should not have sent that bill to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
I loaded {$280.00} onto a Vanilla Visa Gift Card ( issued by XXXX ) on XX/XX/year>. On XX/XX/year>, an unauthorized transaction for {$270.00} was made at XXXX # XXXX without my consent. 

I immediately filed a fraud dispute with Vanilla Gift ( Case # XXXX ), and my card is currently frozen with only {$1.00} remaining. I also filed a report with the XXXX XXXX XXXX XXXX ( my local police ) and XXXX XXXX XXXX XXXX XXXX ( jurisdiction where the charge occurred ). Both departments are aware of the situation and have received relevant details and evidence. 

I have tried to contact Vanilla Gift multiple times by phone and email, but they are ignoring my calls and have not provided any updates regarding the dispute. I also plan to contact the XXXX XXXX XXXX Police Department due to another declined attempt I believe happened there. 

Im requesting that Vanilla Gift issue a full refund or replacement card, and I expect CFPB assistance in resolving this matter. 

Tracking the case status, it says this will not be resolved until XX/XX/year> which I find extraordinarily unacceptable. most fraud claims take XXXX business days, I believe Vanilla Visa is using investigation timelines as a delay tactic. Telling me I must wait until XXXX for any refund or resolution is unacceptable and unreasonable, especially given that the evidence has already been submitted and police reports are active. 

Ive tried calling and emailing Vanilla repeatedly with no helpful response. Im requesting CFPB assistance to receive a timely resolution and refund of my stolen funds. 

Thank you, for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a credit balance of {$110.00} on my XXXX XXXX XXXX issued by Synchrony Bank. I no longer reside in the XXXX and XXXX unable to receive the replacement card by mail since Synchrony refuses to send it outside the XXXX. 

I then requested a refund of the credit balance to my XXXX bank account or via check. Synchrony refused, citing policies that do not allow refunds unless requested from within the XXXX, which is both unreasonable and discriminatory to international customers. 
This is unfair and unacceptable. I am being denied access to my own funds, with no recourse due to XXXX inflexible and opaque policies. I am requesting the immediate release of my {$110.00} credit balance either by refunding it to my XXXX XXXX account or mailing a check to my current address abroad. 

I also ask the CFPB to investigate Synchrony Bank 's practice of making credit inaccessible and imposing unreasonable location-based restrictions that trap customers ' funds.

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 2025-07-02 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: TN

Complaint narrative:
I am writing to dispute the accuracy, legality, and continued reporting of the above-referenced account by XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX ), which is currently listed on my Experian and Equifax credit reports. 
This account is being reported with material inaccuracies, unverified data, and inconsistent informationmaking it noncompliant with federal consumer protection laws. As such, I am demanding its immediate removal based on the following legal grounds : Key Disputes and Violations : 1. Unverifiable Information ( FCRA 611, 15 U.S. Code 1681i ) : You are legally required to verify all information you report. I demand full validation and a complete method of verification used to substantiate this alleged debt. If you can not provide verifiable documentationincluding a signed original contract and a full payment history from the original creditorthis item must be removed immediately. 
XXXX. Inconsistent and Conflicting Data Across Bureaus : o Date Last Active is reported as XX/XX/XXXX on Experian but XX/XX/XXXX on Equifaxthis is a direct conflict. 
o Date of Last Payment is XX/XX/XXXX on Equifax and XX/XX/XXXX on Experian illogical given the listed open date of XX/XX/XXXX. 
o Payment Status varies from " Collection/Chargeoff '' to " Late 120 Days. '' o Number of Terms is reported inconsistently. 
Under FCRA 607 ( b ), information must be accurate and complete across all reporting agencies. These discrepancies show the account is materially inaccurate and therefore must be deleted. 
XXXX. Failure to Provide Notice of Collection Activity ( FDCPA 809 ( a ), 15 USC 1692g ) : I have never received any proper written notification of this alleged debt from XXXX XXXX XXXX, as required under the FDCPA. If this account is being reported without prior communication, it violates my right to dispute and validate the debt. 
XXXX. Potential Re-Aging of Debt : Based on the dates provided, it appears this debt may have been re-aged, which is a serious violation of FCRA guidelines. Re-aging artificially extends the time a negative item remains on a report and is grounds for removal. 
XXXX. No Signed Agreement or Contract Provided : As per FCRA and FDCPA, the burden of proof is on the furnisher to provide legitimate documentation. If XXXX XXXX XXXX can not produce a valid, original agreement with my signature, this debt is not valid and can not be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CL Holdings LLC
State: NM

Complaint narrative:
Issue : Continued reporting of a collection account after failure to validate Company : Jefferson Capital Systems LLC Summary : I sent Jefferson Capital a debt validation request via certified mail on XX/XX/XXXX regarding a charged-off XXXX XXXXXXXX account they claim to own. They never responded or provided validation. However, they continue to report the account on my credit file with an incorrect open date of XX/XX/XXXX. 

The debt itself dates back to at least XXXX or earlier, and may be outside the statute of limitations for collection in New Mexico. This behavior violates the FDCPA and FCRA. I am requesting the account be removed from all credit bureaus and collection activity be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I am disputing the validity and accuracy of this account. FAIR COLLECTIONS & OUT is reporting a {$19000.00} balance allegedly tied to an account from XXXX at XXXX, but I have never received a signed contract, itemized breakdown, or lawful validation of this debt.

Under FCRA 609 ( a ) and FDCPA 809, I requested verification of this account, but no supporting documentation was provided. Furthermore, this is listed as a joint account, but I was never made aware of this agreement or consented to it. 

Given the data breaches at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the inconsistent nature of this reporting, I am formally requesting deletion of this account due to lack of proper verification and noncompliance with federal law.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am reaching out to dispute inaccuracies on my credit report, specifically regarding accounts that have been incorrectly marked as late payments, as well as inaccurate personal information. After thoroughly reviewing my records, I have confirmed that these accounts were, in fact, paid on time, and the reported late payments are erroneous. Additionally, my credit report reflects incorrect personal details that need to be updated or removed.

These inaccuracies have had a negative impact on my FICO score. Under U.S. Law 15 U.S.C. 1666b, which governs the reporting of late payments, I have the right to a fair and accurate review of disputed information on my credit report. Therefore, I request that these errors be thoroughly investigated and that the late payment status be corrected to accurately reflect on-time payments.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to TransUnion regarding unauthorized hard inquiries that appeared on my credit report. These inquiries were made without my knowledge, consent, or initiation and therefore lack a permissible purpose as defined under the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681b ( a ) ( 3 ), hard inquiries may only appear on a consumers credit report if the consumer has initiated a credit transaction or provided explicit authorization for the credit pull. In my case, I did not initiate any such transactions with the companies that performed these inquiries, nor did I authorize them in writing or verbally.

Despite my formal dispute, TransUnion failed to provide verification or proof that these inquiries were authorized, nor did they remove the inquiries from my credit file as required by law. Under 15 U.S.C. 1681i ( a ), consumer reporting agencies must conduct a reasonable reinvestigation and delete any item that can not be verified.

The continued reporting of these unauthorized inquiries not only violates the FCRA 's permissible purpose requirement under 1681b ( a ) ( 3 ), but also demonstrates a failure to maintain reasonable procedures to ensure accuracy, in violation of 1681e ( b ).

This situation has caused undue stress, frustration, and emotional hardship. It is also actively damaging my creditworthiness, affecting my ability to obtain fair credit and financial opportunities.

I am requesting that the CFPB investigateTransUnion 's failure to comply with federal law, hold them accountable, and require the immediate deletion of these unauthorized and unverifiable inquiries 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 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX recognize this debt please delete immediately Disputing this account under XXXX XXXX. XXXX. improper verification of disputed info. This is not my account ; I have no knowledge of it per XXXX XXXX XXXX. Remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year> I had been alerted by XXXX XXXX that there was a hard inquiry that was added to my account. When I went to look, it was from XXXX XXXX. I called them immediately and they agreed that it had been done " online for a platinum card ''. They cancelled the application and recommended that i contact each credit reporting company. I did and each have since removed the inquiry, however, experian suggested that I reach out to you guys and relay the information.

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 2025-07-02 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX : Account Name : XXXX XXXX # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX * * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
company used my name illegally doing credit checks I did not allow

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reaching out to dispute inaccuracies on my credit report, specifically regarding accounts that have been incorrectly marked as late payments, as well as inaccurate personal information. After thoroughly reviewing my records, I have confirmed that these accounts were, in fact, paid on time, and the reported late payments are erroneous. Additionally, my credit report reflects incorrect personal details that need to be updated or removed. 

These inaccuracies have had a negative impact on my XXXX score. Under XXXX XXXX XXXX XXXX. XXXX, which governs the reporting of late payments, I have the right to a fair and accurate review of disputed information on my credit report. Therefore, I request that these errors be thoroughly investigated and that the late payment status be corrected to accurately reflect on-time payments.

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