vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, an unauthorized transaction for {$220.00} to XXXX was processed on my XXXX  Cash App account. My XXXX  is XXXX and has a Cash App minor account, where I am listed as the account sponsor. 

Her XXXX account was hacked. The fraudster changed the phone number and shipping address to Florida ( we live in New Jersey ). Her Cash App account was linked to her XXXX account through Cash App Pay in her mobile wallet, which allowed the attacker to complete the purchase. We have since removed this feature. Cash App later declined two additional attempted charges from the same compromised account, showing they recognized suspicious activity.

I reported the transaction to cash app as soon as it was discovered. I also contacted XXXX to cancel the transaction, but they informed me that the purchase could not be canceled and that I needed to contact my bank to resolve the issue. However, they denied my claim on the original {$220.00} charge, stating it was authorized. 

I have requested evidence of how Cash App concluded the transaction was authorized and have attempted to file an appeal, on XXXX occasions. Each time I am told that the department I need to contact does not accept phone calls and that I would need to wait for them to email me. However, I have not received any emails from them. 

I am requesting CFPBs assistance in obtaining a refund for this unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MD

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express raised their annual fee from {$99.00} to {$150.00} last XXXX ( XXXX ). I never received a direct notice about this change instead, they claim it was disclosed on page XXXX of my XXXX XXXX monthly statement. Who actually combs through the fine print buried that deep in a XXXX statement? When I questioned it, their response was essentially : If you dont read your statements, thats not our problem. This is a legally binding agreement. 

To me, that feels like intentionally opaque communication. There was no separate notice or clear outreach, just a hidden line item buried in paperwork and thats exactly how they wanted it. I cant imagine Im the only customer who missed it. 

What makes it worse is that for such a high annual fee, their customer service is terrible and the benefits dont justify the cost. When I called to ask about it, the representative was incredibly rude and condescending. 

I know many people feel powerless to speak up against large companies like this, but I refuse to stay quiet about what I see as truly shady business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
ON XX/XX/XXXX, I, XXXX XXXX, RECEIVED NOTICE FROM WELLS FARGO BANK THE CHECKING ACCOUNT XXXX HAD BEEN OVER DRAWN {$4000.00}. FUNDS IN THIS ACCOUNT WERE LIQUIDATED ON XX/XX/XXXX TO A XXXX BALANCE AND CLOSED. WELLS FARGO XXXX XXXX INTO THIS CLOSED ACCOUNT WHICH OPENED IT BACK UP. 
IT WAS INACTIVE FOR XXXX YEARS. 
ON XX/XX/XXXX, THE FOLLOWING UNAUTHORIZED TRANSACTIONS THRU XXXX WERE POSTED : XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FILED XXXX FRAUD CASES WITH THE WELLS FARGO FRAUD DEPT. 
REF # XXXX & # XXXX. WELLS FARGO DENIED. I REQUESTED COPIES OF THE DOCUMENTS USED FOR THIS DECISION. ALSO, REQUESTED COPIES OF APPROVED THESE TRANSACTIONS AND SIGNATURES. 

XXXX XXXX ( WELLS FARGO CLAIMS AGENT ) SAID EMAIL THE COPIES. AFTER WEEKS STILL HAVE NOT BEEN PROVIDED ANY PROOF AND SAID THE CASE WAS CLOSED. 

I OPENED ADVANCED FRAUD CASE REF # XXXX ON XX/XX/XXXX WITH WELLS FARGO AND RECEIVED NOTICE THAT WELLS FARGO HAS FORWARDED THIS TO COLLECTIONS. 

I FILED FRAUD CLAIM WITH THE XXXX XXXX SHERIFF 'S DEPT, CLAIM REF # XXXX. 

I REPORTED FRAUD TO THE GEORGIA DEPT. OF HUMAN RESOURCES. 
AGENT XXXX XXXX FILED A REPORT FOR INVESTIGATION. 

THESE TRANSACTIONS WERE NOT MADE BY ME.

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 2025-08-16 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:
Consumer Information Provided ( as it appears on credit file ) : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Current Address : XXXX XXXX XXXX, XXXX, TX XXXX Government-Issued Photo ID Number : XXXX FTC Identity Theft Report # : XXXX ( attached ) Complaint Against : TransUnion ( CFPB complaint filed : XX/XX/XXXX ; CRA initiated XXXX : XX/XX/XXXX ) Equifax ( CFPB complaint filed : XX/XX/XXXX ; CRA initiated XXXX : XX/XX/XXXX ) Experian ( CFPB complaint filed : XX/XX/XXXX ; CRA initiated XXXX : XX/XX/XXXX ) Issue Summary : Under 15 U.S.C. 1681c-2, Consumer Reporting Agencies ( CRAs ) are legally required to block information identified by a consumer as resulting from identity theft within XXXX ( XXXX ) business days of receiving : Proof of identity, A valid identity theft report, Identification of the disputed information, and A statement from the consumer that the information is not related to any transaction the consumer authorized. 
I provided all XXXX required elements to each CRA : FTC Identity Theft Report ( # XXXX ), Government-issued ID, My personal identifying information ( see above ), A detailed list of disputed accounts, and My signed statement that the information is not related to any transaction I authorized. 
Despite this, all three CRAs have failed to block and delete the disputed information within XXXX ( XXXX ) business days as required by law. Instead, they are wrongfully stalling by treating my block request as a 1681i reinvestigation. This is a deceptive and unlawful tactic, because 1681c-2 provides no discretion once the statutory elements are met. 
Disputed Information ( to be blocked/removed ) : TransUnion Charge-offs XXXX XXXX XXXX Opened : XX/XX/XXXX | Last Reported : XX/XX/XXXX | Balance : {$1200.00} Equifax Charge-offs : XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX | Balance : {$1200.00} Experian Charge-offs : XXXX XXXX XXXX Opened : XX/XX/XXXX | Last XXXX XXXX XX/XX/XXXX | Balance : {$1200.00} Violations : The CRAs failure to block these accounts violates : 15 U.S.C. 1681c-2 ( Failure to block identity theft information ), 15 U.S.C. 1681b ( No permissible purpose for reporting ), 15 U.S.C. 1681n & 1681o ( Willful and negligent violations ), and 18 U.S.C. 1028A ( Aggravated Identity Theft ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: MO

Complaint narrative:
On XX/XX/year>, I opened a Netspend debit account under a published promotion where if I received a {$400.00} or greater direct deposit in my account within 60 days, a {$200.00} bonus would be paid into my account within five business days of the direct deposit. I received a direct deposit in the amount of {$410.00} on XX/XX/year>. However, as of XX/XX/XXXX, I have still not received the {$200.00} bonus I earned under these terms and conditions. This needs to be paid to me without further 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 2025-08-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Delete and remove account in accordance with my rights under the consumer fair debt collection practice Act ( FDCPA ) 15.usc coad 1692.

I am formally requesting that you cease and desist all communications with me effective immediately delete fraudulent, and Impermissible account this fraudulent account is outdated inaccurate, and causing damage to 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 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/25 at XXXX I made a cash deposit at the ATM machine # XXXX. The atm machine sounded like it counted the cash for a longer than normal time. The screen said it was going to return some bills back to me but it never opened to do so. 
A receipt printed out that said We apologize there was an ATM error and your deposit did not process. 
I checked my account and there wasnt a deposit showing at all. I called and filed a claim with the fraud department as they requested and I have not heard back from anyone. Lady at the local branch on the phone said the ATM machines are doing this frequently at that location!!!! 

On XX/XX/25 I went to make another cash deposit and check on the status of the claim inside the bank. The teller that assisted me said my claim was denied but she wasnt sure why. Told me most claims are denied because the amount might be off. I said so if another person lost {$1.00} and didnt file a claim then mine would be denied because of their dollar and she Yes absolutely happens all the time.

Where I messed up was I counted my deposit then I remembered I had some cash tips so I grabbed them from my lunch bag and dont remember the exact amount was either {$180.00} or {$190.00}. Ive never experienced anything like a machine eating the money so its 100 % my fault for not being exact with the amount. Ive seen the cameras inside the bank they definitely can see inside the car and shouldnt have any trouble seeing me counting and making the deposit.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TransUnion is repeatedly failing to acknowledge that my student loans with XXXX have been paid in full ( as of the beginning of XXXX, XXXX ). Both of XXXX  and XXXX  have had no issue with acknowledging that all of the loans have been paid in full. When trying to dispute the balance of the three loans that appear only on TransUnion, they deny the request and report the information as accurate.

However, the report of the investigation is false, and TransUnion appears to be investigating the wrong loans each and every time I make the dispute ( they are reporting loans that were paid completely in XXXX in the report, not the loans paid in XXXX ). As a result, they consistently fail to acknowledge that ALL of the loans are paid in full. I have no way to let them know that they are repeatedly failing to investigate correctly. I am unsure why TransUnion is the only credit bureau that appears incompetent at reporting this information correctly, whereas XXXX  and XXXX  have no issues. 

I have made another complaint previously, and have not yet received any response from TransUnion. However, even if they respond, they are always investigating the wrong loans anyway, despite the fact that I clearly outlined which loans should be investigated within my dispute.

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 2025-08-16 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was reviewing my personal credit report and I can see that some body open a fraudulent credit card account under my name and this fraudulent account is hurting my credit and I demand this account were remove from my personal consumer report. ACCOUNT NUMBER XXXX FROM XXXXXXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I was given a retention offer from AMEX via chat that was offered, accepted, completed, but not fulfilled. I have spoken with the company numerous times and given assurance it was resolved and the offer would post, but this has not happened. 

FACTS : XX/XX/XXXX - Offered a retention offer by " XXXX. '' Terms were " earn XXXX XXXX XXXX points after you spend a minimum of {$5000.00} on qualifying purchases on your card within XXXX  months of accepting this offer. The XXXX XXXX XXXX points will be applied to your account within XXXX to XXXX weeks after the purchase requirement has been met. This is our way of saying thank you for keeping your account open. '' XX/XX/XXXX - Completed the spending requirement for the offer XX/XX/XXXX - Chatted with AMEX again to confirm completion. I was told by an agent, " XXXX '' that " I have reviewed the conversation in question and can see that the offer was sent on chat and it was accepted however it seems that it hasn't been applied. I sincerely apologize for this situation XXXX, and will get this investigated. Please allow me XXXX business days to get this checked and I will ensure that we do reach out to you for this '' and was given reference number " XXXX '' XX/XX/XXXX - Chatted with AMEX agent `` XXXX '' and was told " YeS i see the offer added, it shows that you have reached the needed threshold XX/XX/XXXX, as per terms the points will generate to the account XXXX weeks after reaching the needed threshold. '' XX/XX/XXXX - Chatted with " XXXX '' who told me " I checked the case that was opened before and our team cited that you should receive it by XXXX weeks. We can wait by the closing date on XX/XX/XXXX, points should be posted by then '' XX/XX/XXXX - Chatted with a supervisor, " XXXX '' who told me a new investigation was opened and gave me reference ID " XXXX '' It has now been over XXXX weeks since I was given the offer and over XXXX weeks since I completed the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-16 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: FL

Complaint narrative:
Complaint Against : [ Credit Bureau Name : TransUnion ] [ Creditor : XXXX XXXX ] Issue : Illegal re-aging and inaccurate reporting of a repossession account. 

Details of Complaint : I am filing this complaint because [ XXXX ] and [ TRANSUNION Credit Bureau ] are reporting an auto repossession account that was closed years ago as if it is a newly opened account. This is an inaccurate and misleading representation of my credit history. 

The account in question was originally opened on [ XXXX XXXX ] and closed/charged off after the repossession on [ XX/XX/XXXX ]. However, it has been re-aged and is now showing as opened again on [ XX/XX/XXXX ], which is factually false and a violation of the Fair Credit Reporting Act ( FCRA ). 

Violations : FCRA 605 ( a ) : Prohibits reporting accounts beyond 7 years from the original delinquency date. Re-aging to extend reporting time is illegal.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishing inaccurate or misleading information to a credit bureau.

FCRA 607 ( b ) : Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

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 2025-08-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: GA

Complaint narrative:
At the end of XX/XX/XXXX, while transferring my XXXX XXXX account from XXXX XXXX XXXX to XXXX XXXX XXXX, XXXX XXXX mistakenly charged my Chime account for the previous tenants bill at XXXX XXXX XXXX instead of applying my payment to my own account. 

Because I did not realize this error right away, I only discovered the mistake when my lights were disconnected and I was forced to make two large payments within two days to restore service. This put me into severe financial hardship.

I immediately filed a dispute with Chime once I realized the error. I uploaded all proof showing that this charge was not my responsibility. Despite this, Chime has failed to resolve the matter. 

Since XX/XX/XXXX, I have called Chime customer service on multiple occasions requesting updates and asking for the dispute to be escalated because of my financial hardship. I explained that I am unemployed, have been a loyal Chime customer since XXXX, and was at risk of eviction. I begged them to move the investigation forward. 

Instead of resolving the error, I have received no meaningful updates from Chime. They have not told me where my money is, nor have they returned it to me. Because XXXX XXXX refuses to discuss another persons account, I am completely stuck without Chimes cooperation. 

As a direct result of Chimes failure to act, I was evicted in XX/XX/XXXX, losing my home and belongings. I believe Chime has mishandled this dispute, ignored clear documentation, and failed to properly escalate despite my repeated hardship notices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had multiple fraudulent claims on my Best Buy Credit Card. Their fraud department is nearly impossible to contact and they take weeks to resolve disputes that could take five minutes. Instead of closing my account as I have requested, they close my card and send me a new one, which then triggers more fraud.

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 monetary relief
Consumer complaint received 2025-08-16 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation