vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
I am filing this complaint against TransUnion for continuing to report multiple unauthorized XXXX  accounts on my credit file. I have disputed these accounts several times since XXXX, yet only TransUnion continues to report them, and they have stayed on my report for far too long. This situation is extremely frustrating and unacceptable. I have submitted evidence in my previous disputes, yet TransUnion has ignored my requests and continues to allow these accounts to remain on my file without any lawful basis. The disputed accounts are : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX  XXXX. I never provided authorization or any permissible purpose for these accounts to be reported, which violates 15 U.S.C. 1681b. Their continued presence also violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy. Under 15 U.S.C. 1681i ( a ) ( 5 ), any information that is inaccurate, incomplete, or unverifiable must be deleted immediately. TransUnions repeated failure to remove these accounts after multiple disputes shows reckless disregard for federal law and my rights as a consumer. This ongoing issue has damaged my creditworthiness, caused unnecessary stress, and created barriers when applying for credit. I have spent significant time addressing problems I did not create, and TransUnions refusal to correct these violations is unacceptable. I am requesting immediate and permanent deletion of these accounts from my 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 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I reached out to [ person name ] on Saturday XX/XX/XXXX at XXXX regarding a " NEW '' XXXX XXXX XXXX XXXX  that was " Never Turned On ''. I met [ person name ] in the parking lot behind a XXXX. He was driving a XXXX XXXX. [ person name ] told me in person he lived in 'XXXX  XXXX. I have XXXX XXXX video of his car pulling in ( license is blurry ). I also have photo of me and him meeting and have confirmed a [ person name ] on XXXX that is the same guy I met. I put my sim card into the phone to confirm it was going to work and wasn't stolen and placed an outbound call. The call worked. I paid [ person name ] {$490.00} through CashApp to his handle, XXXX XXXX with a description of 'XXXX  ' to specify that the transaction was for the purchase of a physical good. I knew that CashApp had the ability for me to submit customer support ticket and dispute charges that were a scam so I felt protected in my purchase. At XXXX the same day I sent him a message stating the data and voice stopped working and that XXXX told me the phone is on a " negative list ''. I followed up at XXXX and at XXXX. [ person name ] blocked me on XXXX. I tried to ask for a refund through Cash App and he declined it and then blocked me on there. I went to XXXX on XX/XX/XXXX, and called them and they confirmed that the phone belonged to a lady and not [ person name ]. This lady may have filed a police report and filed it stolen. I am not positive as it was difficult to fully understand what they were saying. However the phone is also on the 'non-payment ' list. 

Evidence I have includes : screenshots of all chat history, screenshot of the item description and post, his XXXX, video of his car pulling up, Video of me and [ name ] at his car doing the transaction, photo of XXXX 's system showing my IMEI with notification that it's lost/stolen and blacklisted, photos of the CashApp payment and subsequent request for Cash App refund being declined, [ his ] linkedin with personal graduate information with photo showing it's the same individual, filed POLICE REPORT. 

The phone IMEI ( sim slot XXXX ) is : XXXX. IMEI sim slot XXXX is : XXXX. Serial Number : XXXX I submitted a request in CashApp for refund and support because the transaction was fraud by deception. I attached some but not all of the evidence because of the attachment limit. I tried to call to request a way to add more evidence to complete the full extent of their investigation, but I was denied this opportunity. I was then told that they don't protect transfers and I can not be refunded. They also denied me the opportunity to know how an investigation would be handled considering they are working off incomplete information. They also failed to provide me with estimates as to time or how I would be notified of the full extent of the conclusion of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
contacted the companies about unrecognizable inquiries and company refused to delete

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
Draft Complaint Description ( for CFPB form ) On XX/XX/year>, I mailed a debt validation request to XXXX  under my rights in the Fair Credit Reporting Act ( FCRA ). In that letter, I requested : Documentation validating the reported debt ( including the original signed agreement, billing statements, and proof that the account belonged to me ). 

The name, address, and phone number of the original creditor. 

A Method of Verification under FCRA 611 ( a ) ( 7 ), explaining how the information was verified. 

On XX/XX/year>, XXXX  marked the accounts as updated, but they did not provide any of the requested documentation or explanation of how they verified the debt. 

Because XXXX  reported the accounts as updated without providing proof, they are in violation of the FCRA, which requires that disputed items must be verified, corrected, or deleted within 30 days. Instead, XXXX  simply marked the accounts as updated without validation. 

I also sent a Method of Verification letter after receiving their first response, and again XXXX  did not provide documentation or verification. Their repeated failure to provide requested information prevents me from validating the accuracy of the accounts on my credit report. 

I am requesting that the CFPB investigate and require XXXX  to either : Delete the accounts from my credit report if they can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Mountain America Credit Union is a digital bank.

Date : I opened my savings account number XXXX on XX/XX/year> online. The account was funded with {$10.00} via ACH from my external credit union. ( see account detail attached ) Reason for Complaint : On XX/XX/year>, MACU refused my request to open a CD. As a result, I decided to close the existing savings account.

My Actions : I have repeatedly requested to close the account and have the {$10.00} returned via ACH.

MACU 's Response : They refuse to close the account, citing an inability to verify my identity.

They refuse to return the funds via ACH.

They demand I must personally travel to an Arizona branch from California to close the account. ( see letter attached ) Customer service representatives ( including XXXX, supervisor, and XXXX ) have stated they are unable to override the decision made by their " back office '' and have refused to assist further.

Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: AR

Complaint narrative:
I was a co signer for an auto loan back in XXXX with the bank XXXX  XXXX XXXX XXXX XXXX. In XXXX that loan was paid in full and closed. It is showing up on my ChexSystems reporting that the account was closed and unpaid which is incorrect. I have tried contacting XXXX XXXX XXXX and have filed multiple disputes with ChexSystems directly and its going on a month now with zero updates to the reporting.

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 2025-08-19 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-19 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: SC

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-08-19 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: SC

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-08-19 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: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the XXXX  data breaches or Identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: AZ

Complaint narrative:
They told me to get other party to sign check they will not sign so insurance me to tell send check back they will the check in my name they don't want send it back I'm trying close my account and cant because of this check on hold I don't use that bank I have account at a different bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Why did they illegal repossess my vehicle? CFPB Complaint Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : XXXX Email : XXXX Account Number : XXXX Vehicle VIN : XXXX Date of Complaint : [ Insert Todays Date ] 1. Company Name : Santander Consumer USA / Santander Bank, N.A. 

2. Nature of Complaint : Wrongful Vehicle Repossession / Failure to Provide Proper Notice 3. Description of the Problem : On XX/XX/year>, my vehicle was repossessed from my updated residence without proper notice. I had previously made a payment on XX/XX/year>, which was acknowledged by a customer service representative as removing repossession status. Despite this, the vehicle was taken. 

I did not receive the required written notice of repossession or redemption, as mandated by Texas Business & Commerce Code 9.611 & 9.614 and UCC 9-611.

My account was charged off prior to repossession. 

Santander sent letters to an outdated address ( my fathers ), despite having my current email and phone number. 

The Intended to Sell notice dated XX/XX/year>, was received after the repossession occurred. 

The XX/XX/year> notice provided no redemption amount or itemized breakdown, only stating a planned sale on XX/XX/XXXX. 


Santander Consumer USA has a documented history of illegal and improper repossessions, including DOJ, Ohio, and Pennsylvania settlements. 

I am tried to immediately redeem my vehicle, but Santander has refused to return it or provide proper notice. 


4. Requested Resolution : 1. Immediate return of my vehicle to my address at charge.

2. Written confirmation that no sale or transfer of the vehicle will occur until this dispute is resolved.

3. A full, itemized payoff/reinstatement statement sent to my correct address and email.

4. Confirmation that the past-due amount of {$1300.00} satisfies all redemption requirements. 
5. Supporting Documentation : Copy of all repossession letters and notices Proof of payment from XX/XX/year> Any prior correspondence with Santander Fax/Certified mail proof of dispute letters 6. Statement : I request the CFPB to investigate Santander Consumer USA for wrongful repossession, failure to provide proper notice, and unfair or deceptive practices. 


XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: DRB-40, LLC
State: MO

Complaint narrative:
I have been experiencing with your agency. Over the past few weeks, I have received multiple phone calls from numbers that appear to be spoofed.These calls have occurred repeatedly, often at inconvenient times, and have caused me significant concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation