vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: PA

Complaint narrative:
I made an purchase for a booking & I had to pay an {$30.00} deposit XX/XX/2025 the merchant received my payment but the day of the service XX/XX/ 2025 I was told I had to be canceled and I would be refunded. XXXXXXXX XXXX the same day XXXX 2025 I seen the pending transaction XXXX week and a half later I received an email stating the payment has been canceled contact merchant I did so the merchant says that its nothing they can do because on their end it says refunded here it is almost XXXX month later trying to figure out whats the issue cash app has left me with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: MA

Complaint narrative:
I am writing to formally dispute the debt reported by Portfolio Recovery Associates that appears on my credit report under account number ( if available ) with an open balance of {$460.00}. I have reviewed this account in detail, and I can confirm that this debt does not belong to me. 

I have never opened an account with Portfolio Recovery Associates or any creditor they claim to have purchased this debt from. Additionally, I have not received any documentation proving that this debt is valid or that I am legally responsible for it. The entry also contains the remark Consumer disputes after resolution, which suggests there have been prior issues with the accuracy of this account. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be fully investigated and removed from my credit report, as it is inaccurate and not attributable to me. Please provide documentation verifying the original creditor, proof that I am the debtor, and a full chain of assignment if this debt has been sold or transferred. 

Until proper validation is provided, I request that this account be deleted from all credit reporting agencies to prevent further harm to my credit profile. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that this account has been removed.

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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
This company have updated late payments 3 times which have deemed them as unfair credit reporting under the unfair credit reporting Act. also i Requested GAAP and they have not giving me those documents.

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: CITIBANK, N.A.
State: NC

Complaint narrative:
Dispute of Unauthorized Inquiry CITI CARDS CBNA 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 XXXXXX/XX/XXXX To : CITI CARDS CBNA Subject XXXX Factual Dispute of Unauthorized Hard Inquiry Reported XX/XX/XXXX Dear CITI CARDS CBNA Dispute Department, I am writing to dispute a hard inquiry that your organization placed on my credit report. I did not authorize or initiate any application for credit with your company. Under the Fair Credit Reporting Act ( FCRA ) 1681b, such an inquiry requires my explicit written permission or a demonstrable permissible purpose. 
- Creditor : CITI CARDS CBNA - Inquiry Date : XX/XX/XXXX This dispute is submitted under the Factual Dispute Method, referencing XXXX XXXX Format and XXXX compliance. If you can not produce documentation validating this inquiry, I request that you immediately instruct all consumer reporting agencies ( XXXX XXXX XXXX XXXX ) to remove this inquiry. 
Ive enclosed a copy of my government-issued identification and proof of address for verification. Please respond in writing with confirmation of the results of your investigation. If you fail to respond or remove the unauthorized inquiry, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, or other applicable regulators. 
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 2025-08-02 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: TX

Complaint narrative:
I submitted a formal identity theft block request to Equifax under FCRA XXXX. I provided all required documentation including : A written block request An affidavit of truth A copy of my photo ID and proof of address A list of the fraudulent accounts These accounts were not opened or authorized by me. They were placed on my Equifax credit report without my consent. The fraudulent accounts are : XXXX. XXXX XXXX XXXX {$14000.00} XXXX. XXXX XXXX XXXX {$1500.00} XXXX. XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX Bank {$850.00} XXXX. XXXX. XXXX XXXX XXXX {$2900.00} I submitted this request more than XXXX business days ago, and Equifax has failed to block or remove these accounts. Under federal law ( FCRA XXXX / 15 U.S.C. XXXX ), Equifax is required to block identity theft-related information from a consumers file within XXXX business days of receiving a complete request. 

These items are harming my credit and Equifax is violating my consumer rights. I am requesting immediate CFPB intervention to ensure these accounts are permanently deleted.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ), I formally request a full description of the reinvestigation procedures used to verify the accuracy of the following items on my credit report. Please include the name, address, and phone number of any furnishers contacted, as well as the documentation used. 

Disputed Accounts : XXXX. Bankruptcy XXXX XXXX XXXX XXXX : XXXX Courts do not furnish credit data. Listing the bankruptcy court as the furnisher is inaccurate and misleading. 
Request : Remove this account immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX  Account No. ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No valid proof of debt has been provided. Under XXXXXXXX XXXX XXXXXXXX, I may presume no debt exists. 
Request : Remove this account from my credit report. 

Please also provide : The original creditors name, address, and phone number The name of the individual with whom you verified the item Copies of any original contracts used for verification Your procedures to ensure 100 % accuracy of reported items If you can not prove these accounts are accurate, they must be removed under 15 U.S.C. 1681i ( a ) ( 5 ). Noncompliance may result in legal action under 1681n and 1681o, with penalties up to {$1000.00} per violation.

If verification can't be provided, reopen the disputes and conduct a proper reinvestigation. I expect a response within 15 days as required by 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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/2019 I filed a XXXX XXXX  100 % repayment to all my creditors who I technically was never in arrears to or with ever prior to this filing. In XXXX of XXXX I finally received my discharge papers for paying back all of my creditors. Nevertheless, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX all received in their payments in full for each of these accounts yet they still have negative marks against my credit reports even though they all have been paid in full through this cXXXX XXXX XXXXXXXX Federal Court System. XXXX is also a part of these companies

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/year> I filed a chapter XXXX 100 % repayment to all my creditors who I technically was never in arrears to or with ever prior to this filing. In XXXX XXXX XXXX  I finally received my discharge papers for paying back all of my creditors. Nevertheless, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX all received in their payments in full for each of these accounts yet they still have negative marks against my credit reports even though they all have been paid in full through this XXXX XXXX XXXXXXXX Federal Court System. XXXX is also a part of these companies

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XX/XX/year> I filed a XXXX XXXX 100 % repayment to all my creditors who I technically was never in arrears to or with ever prior to this filing. In XXXXXXXX XXXX XXXXXXXX I finally received my discharge papers for paying back all of my creditors. Nevertheless, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX all received in their payments in full for each of these accounts yet they still have negative marks against my credit reports even though they all have been paid in full through this XXXX XXXX XXXX/ Federal Court System. XXXX is also a part of these companies

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 2025-08-02 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: ID Analytics, Inc.
State: PA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am disputing a collection account listed by Spring Oaks Capital for {$650.00} and $ XXXXoriginally from XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. This debt has never been properly validated under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ). 

I formally requested written validation of the debt, including original documents showing I owe this amount and that XXXX has the legal right to collect it. No such documentation was provided. 

Despite the lack of validation, XXXX continues to report this account to credit bureaus, which is inaccurate, misleading, and damaging to my credit report. 

I have already disputed the account with both the collection agency and the credit bureaus, but the issue remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: AL

Complaint narrative:
Dear Sir/Madam, I am submitting this formal complaint regarding Check n Go and their handling of my account, which has now been placed in a charged-off status without any advance warning or proper notification. 

Throughout the duration of my loan, I maintained consistent contact with Check n Go. I never avoided communication and proactively informed them of major financial changes affecting my ability to pay. Specifically, I notified them that I had been impacted by federal workforce cuts and had lost my job. I have since been reemployed by the federal government, but at a significantly reduced salary {$23000.00} less annually. I communicated this to them as part of my good faith effort to resolve my obligations. 

Additionally, I attempted to make a payment via XXXX XXXX, but the transaction was unsuccessful. At the time, I did not have an alternate checking account available to make the payment another way. Despite my transparency and continuous communication, at no point was I informed by any Check n Go representative that my account was at risk of being charged off. Had I received such a warning, I would have pursued all possible options to avoid it. 

This failure to disclose material information violates consumer protection principles and may be in direct violation of federal law. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, it is unlawful to use false, deceptive, or misleading representations in the collection of a debt. Withholding critical information about the status of my account while remaining in active communication with me constitutes a deceptive practice. 

Furthermore, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 7 ) requires creditors to notify consumers within 30 days of furnishing negative information to a credit bureau XXXX I received no notice before or after the charge-off was reported. This denial of proper notice deprived me of the opportunity to correct the matter or negotiate terms in advance. 

I respectfully request that your office review this complaint, investigate Check XXXX Gos conduct, and determine whether enforcement action is appropriate. I also ask that you assist in ensuring that the inaccurate or prematurely reported charge-off be removed or corrected on my credit profile in light of the procedural failures and lack of transparency. 

I am available to provide supporting documentation and records of communication, should they be needed. Thank you for your time and attention to this matter. 

Sincerely, 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THESE INQUIRIES ARE NOT MINES. SOMEONE HAVE BEEN USING MY INFORMATION TO APPLY FOR ACCOUNTS AND IT GOES AGAINST MY FCRA RIGHTS. THIS IS HINDERING ME FROM IMPROVING MY CREDIT. THESE INQUIRIES ARE NEGLECT TO MY PROGRESS AND IS A DEFAMATION OF CHARATER. PLEASE REMOVE

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a complaint regarding a XXXX ( XXXXXXXX XXXX ) account that I settled with the written agreement that the account would be deleted from my credit report upon payment. I paid the agreed-upon amount in full, and the settlement was completed. However, the account is still showing negatively on my credit report, which is a direct violation of the agreement. 

I have attempted to resolve this matter directly with XXXXXXXX XXXX XXXX but the account remains on my credit reports with negative remarks. This inaccurate and unfair reporting is damaging my credit standing, despite fulfilling the terms of the settlement. 

I am requesting that the CFPB investigate this matter and require XXXX to honor the settlement agreement by permanently removing the account from all three credit bureaus ( Equifax, TransUnion, and 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 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 information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX Additionally, 15 U.S.C. 1681b states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of these accounts, and there is no signed contract or consent from me that justifies their inclusion in my credit report. 

Therefore, the continued presence of these accounts constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that these accounts be blocked and deleted immediately from my credit report and that they no longer be reported in any manner. 

I have contacted Equifax on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report these accounts on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ), I formally request a full description of the reinvestigation procedures used to verify the accuracy of the following items on my credit report. Please include the name, address, and phone number of any furnishers contacted, as well as the documentation used.

Disputed Accounts : 1. Bankruptcy XXXX XXXX XXXX XXXX : XXXX Courts do not furnish credit data. Listing the bankruptcy court as the furnisher is inaccurate and misleading.

Request : Remove this account immediately. 

XXXX. XXXX XXXX XXXX XXXXXXXX XXXX  Account No. ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No valid proof of debt has been provided. Under XXXXXXXX XXXX XXXXXXXX, I may presume no debt exists. 
Request : Remove this account from my credit report. 

Please also provide : The original creditors name, address, and phone number The name of the individual with whom you verified the item Copies of any original contracts used for verification Your procedures to ensure 100 % accuracy of reported items If you can not prove these accounts are accurate, they must be removed under 15 U.S.C. 1681i ( a ) ( 5 ). Noncompliance may result in legal action under 1681n and 1681o, with penalties up to {$1000.00} per violation.

If verification can't be provided, reopen the disputes and conduct a proper reinvestigation. I expect a response within 15 days as required by law.

Company response to consumer: Closed with non-monetary relief