vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: PA

Complaint narrative:
I placed an online order with Lectric eBikes and was charged on my Discover card The item was marked as delivered by the carrier but I never received the package The delivery photo provided does not match my residence my door or my address I submitted a police report photographs showing my real address and proof that the merchant refuses to open a claim with XXXX to investigate the missing package Despite all this evidence Discover closed the dispute in favor of the merchant solely based on the tracking number without any real delivery confirmation Discover failed to protect me as a cardholder even after my account was reissued with a new card due to the security concern The merchant refuses to cooperate and the carrier requires the merchant to open the investigation not me the consumer I am being held financially responsible for an item that was never delivered to me I am requesting CFPB to investigate Discovers handling of this dispute and force the merchant or Discover to properly resolve the situation and refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
On Saturday XX/XX/2025 my account was locked by Cash App for what was said suspicious activity. They say my account would be locked for XXXX to XXXX while they investigate unusual activity. I contacted them by the in app support and over the phone and told them it was not suspicious activity. I was simply trying to send money to my XXXX  who does not have cash app, but was receiving the money through someone else who does have cash app. I told them that the first transaction didnt go through and it said my money was refunded for my protection so I told my XXXX  to have someone request a dollar from me because upon searching for the second cash tag tag I could not locate it in the search section of Cash App. After they requested the dollar it again said my money was refunded and after that I received the message saying my account was locked for XXXX to XXXX hours and this would not affect any future payments or sending money on Cash app. It is been XXXX hours and Ive contacted support several times and they still cant give me any answers as of why my account is still locked. They keep saying I have to wait on an email to let me know when my account is unlocked. I asked them could they give me access to my funds so that I can cash them out to my bank and they said I still have to wait for the account to be unlocked. This is very inconvenient and customer support is no help. They keep emailing me a rebuttal saying the same thing saying that my complaint has been filed and if I no further questions, then I would have to wait. They are not even addressing the issue. Every time I call, they create a new complaint with a new case number about the same problem and are not addressing the problem. If they say my account is locked for XXXX to XXXX hours, then they should honor what they say. I dont care about the case load or how backed up they are. They are not honoring their method. I should at least be able to cash out my funds to my bank. This is very inconvenient. The customer service rep only over you an issue new case numbers. And we can only communicate with upper authority through emails which I am still waiting on the email from someone who can help what is customer service for? If they will not give you any answers. Ive waited long enough and I see that I am not the only one having this problem. Ive also reported them to the XXXX XXXX XXXX as well. If you are using Cash app and have a problem they need to be addressed. You will be waiting because they do not honor what they say. 
Your funds will be held without an explanation at customer service will not help you. I would advise anybody thats using cash app to find another payment if you need to send money fast.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NC

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
Over the past year, XXXX has XXXX a collection on me for different amounts, different account numbers, and different XXXX. As of today, I have had this removed once, only for them to send it to another collection agency, and it pops right back up on my credit report with another agency. When I call XXXX, they say that they can not find an account under my name, so they can not give me a debt verification. I have only had XXXX account with them for which I have the final bill with a {$0.00} balance. Today ( XX/XX/year> ), they now have XXXX collections on me with different account # XXXX and balances. I have stressed over this for a year, and all I get is a run around and another collection account hurting me. XXXX and XXXX XXXX XXXX both need to remove the collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: MA

Complaint narrative:
On XX/XX/XXXX, I submitted a formal dispute to Experian regarding an inaccurate and unverifiable account ( XXXX Bank XXXX XXXX Account # XXXX ). Despite my dispute, Experian conducted a reinvestigation that was neither reasonable nor compliant with federal law. They responded that the account remains unchanged and will stay on my credit report, despite material errors. 

Experian claims the information was verified by the furnisher but failed to provide any supporting documentation or a Method of Verification ( MOV ) as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). No proof, no detailed verification process, and no evidence were ever provided. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Additionally, reporting across Experian, Equifax, and TransUnion shows major inconsistencies : Different account statuses ( open vs closed ), Inconsistent high balances ( {$1200.00} vs {$2700.00} ), Different last activity dates ( XX/XX/XXXX vs XX/XX/XXXX ), Conflicting credit limits ( {$0.00} vs {$1100.00} ). 

This violates FCRA 607 ( b ) ( requiring maximum possible accuracy ) and XXXX XXXX industry reporting standards which require consistency and accuracy. 

Experians ongoing refusal to delete this inaccurate and unverifiable information is causing continuous damage to my credit file, limiting my access to fair credit opportunities. Their failure to reinvestigate reasonably, failure to provide required documentation, and refusal to delete inaccurate data represents willful noncompliance with federal law. 

I am requesting immediate full deletion of the XXXX Bank XXXX account XXXX my Experian 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 2025-04-28 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: CA

Complaint narrative:
I am disputing the account ( XXXX ) placed on my credit report by Portfolio Recovery Associates : I am requesting full validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

Specifically, I am requesting the original signed contract bearing my signature, a full breakdown of the amount allegedly owed, and a complete chain of title proving the ownership of the debt. 

They have reported this debt to the credit reporting agencies without providing any documentation verifying its accuracy. 

Reporting unverifiable information is a violation of the FCRA and the FDCPA. 

I am requesting that this account be immediately deleted from all consumer credit reports if validation can not be provided. 

Please investigate and require the company to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: MS

Complaint narrative:
I am writing to formally file a complaint against Equifax regarding their continued mishandling of fraudulent collection accounts reported by XXXX XXXX XXXX. Despite providing substantial evidence of identity theft and requesting proper investigation and removal under applicable federal laws, Equifax has failed to remove these illegitimate accounts and continues to allow them to reappear on my credit report without lawful validation. 
Specifically : The accounts in question ( XXXX separate XXXX XXXX XXXX entries ) are a direct result of identity theft. 
I have properly disputed these accounts multiple times in writing and electronically. 
I have provided supporting documentation, including an FTC Identity Theft Report and a police report as prescribed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).

Despite this, Equifax : Failed to permanently block the information, as required by FCRA 605B ( b ). 
Continued to reinsert the fraudulent information without proper notice and without certification of accuracy in violation of FCRA 611 ( a ) ( 5 ) ( B ).

Did not validate or investigate properly under FCRA 611 and 15 U.S.C. 1681i.

Failed to follow reasonable procedures to assure maximum possible accuracy as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ).

Additionally, their actions violate : The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), as the debt collector has not provided proper validation of the debts. 
The Economic Growth, Regulatory Relief, and Consumer Protection Act of 2018, specifically provisions requiring expedited removal of fraudulent information related to identity theft. Furthermore, under FCRA 605B ( d ), after receiving a valid identity theft report, a consumer reporting agency must block the reporting of information within four business days. Equifax has grossly failed this obligation. Their reckless behavior has caused me significant damage, including but not limited to : Denial of credit opportunities. 
Emotional distress. 
Ongoing economic harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEXPERIAN 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  has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2025-04-28 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: VA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEXPERIAN 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  has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Had fraudulent charges on my card with XXXX. I reported them to AMEX. All they had to do was replace the card with a new number, but it became apparent the process was far too involved asking questions pertaining to opening a new account. Thats exactly what they did- they closed my old card I had since 1986 and ran my credit applying for a new card. I did not authorize nor have knowledge of what they were doing, other than the fraud I was attempting to correct. They then since have caused major issues when making payments, lying that my XXXX XXXX week later never released the payments. The payments were in fact deducted from my bank account. I have since found out, my account as a whole was defrauded by AMEX themselves, including harassment as a cardholder toward my son and I ( he has a card on my account ) when they declare my account was not paid to release credit. I have adequate financial means to pay my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony bank did not negotiate before taking me to court over amount owed.

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 2025-04-28 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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-28 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: NJ

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : XXXX. XXXX and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added. 
XXXX. A copy of the original signed agreement or instrument that states I agreed to pay the creditor. 
XXXX. XXXX that your agency is legally permitted to collect this particular debt in my state, including licensing information. 
XXXX. The name and address of the original creditor. 
XXXX. Details of the last payment made on this account, showing any transactions related to this account. 

Please note that I request all future communication regarding this matter be conducted in writing. 

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you XXXX have reported. 

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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