vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: NY

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened : XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$760.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened : XXXX Balance : {$1100.00} UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year>

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 2025-11-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: NV

Complaint narrative:
Fraud & Account Closure Statement for Consumer Protection Bureau Subject : Unauthorized Use of Account / Improper Account Closure Request for Review To Whom It May Concern, I am submitting this report regarding a fraudulent incident involving my Cash App account and the subsequent wrongful closure of my account. 

On XX/XX/XXXX, an unauthorized individual gained access to my XXXX account and placed fraudulent orders. My Cash App card was previously saved on that account for past purchases, and the unauthorized charges were processed through my Cash App. These transactions were not made or approved by me. 

After discovering the fraudulent purchases, I contacted Cash App to report the issue and explain that my payment information had been compromised. Instead of assisting with the dispute or helping me recover my funds, Cash App permanently closed my account, stating that I had violated their terms. I believe this decision was made in error, as I was the victim of fraud not the person responsible for it. 

I am requesting : A full review of my account closure. 

Reinstatement of my Cash App account, if possible. 

Investigation into the fraudulent charges made through my XXXX account. 

Assistance in recovering any unauthorized funds that were processed. 

I have acted in good faith, and I would like the opportunity to resolve this situation properly. I am willing to provide any evidence, screenshots, statements, or additional documentation needed for investigation. 

Thank you for your time and attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX ( Former Cash App Account Holder )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
Good day, I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

XXXX XXXX XXXX Balance {$3400.00} XX/XX/XXXX XXXX XXXX Balance {$7600.00} XXXX XXXX Balance {$3300.00} XX/XX/XXXX XXXX Balance {$11000.00} XX/XX/XXXX XXXX XXXX Balance {$8400.00} XX/XX/XXXX XXXX Balance {$9400.00} XX/XX/XXXX XXXX Balance {$36000.00} XX/XX/XXXX XXXX Balance {$17000.00} XX/XX/XXXX XXXX {$5100.00} XX/XX/XXXX XXXX Balance {$88000.00} XX/XX/XXXX XXXX Balance {$32000.00} XX/XX/XXXX XXXX {$12000.00} XX/XX/XXXX XXXX Balance {$15000.00} XX/XX/XXXX XXXX Balance {$0.00} NAVIENT XXXX Balance {$0.00} XXXX XX/XX/XXXXXXXX Balance {$25000.00} XXXX XX/XX/XXXX XXXX Balance {$22000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, TX XXXX BANK/NC XX/XX/year> XXXX XX/XX/year> Under the Fair Credit Reporting Act XXXX FCRA XXXX, 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

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 2025-11-28 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: MT

Complaint narrative:
On XX/XX/year>, Square suddenly deactivated my account without any warning or explanation. I only processed two small legitimate transactions ( {$40.00} and {$0.00} ), and both were normal payments from real customers. I did not violate any policy, and there were no chargebacks, disputes, or irregular activity.

Immediately after the deactivation, Square placed a 90-day hold on my remaining balance and refused to release the funds or provide any review process. The decision appears to be fully automated. Square did not ask for identity verification, business verification, additional documents, or any information that would justify holding my money for 90 days.

I repeatedly checked my dashboard and email, but Square did not provide any specific reason for the account termination or the extended funds hold. The message simply stated that Square is not able to support your business needs and that the decision is final. This lack of explanation and refusal to review appears to be an unfair business practice.

I am not a high-risk merchant, did not process any suspicious transactions, and did not violate Squares terms. Holding my money for 90 days without any due-process, communication, or ability to verify my information is unreasonable and harmful.

I am requesting CFPB assistance because Square is withholding my funds without justification and has not provided any path to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TN

Complaint narrative:
I am submitting this complaint to demand the immediate removal of multiple inaccurate, unverifiable, and unauthorized items appearing on my credit reports from Experian, Equifax, and TransUnion in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), FCRA 605B / 15 U.S.C. 1681c-2, FDCPA 807 ( 15 U.S.C. 1692e ), FDCPA 809 ( 15 U.S.C. 1692g ), FCRA 604 ( a ), FCRA 604 ( f ), and FCRA 619 15 U.S.C. 1681q. My name is incorrectly reported as XXXX, XXXXXXXX XXXX  on TransUnion, my address is inaccurately listed as XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX on Experian, and multiple charge-off accounts, including XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$610.00} ) on Experian and TransUnion * *, XXXX XXXX XXXX XXXX XXXX on Experian and XXXXXXXX XXXX XXXX XXXX on TransUnion ( {$5300.00} ), and XXXX XXXX XXXX * on Equifax and TransUnion ( {$1600.00} ), are being reported without proper verification or supporting documentation. Additionally, a collection account, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1400.00} ) * *, and a repossession account, XXXX XXXX ( {$7700.00} ) on Experian and TransUnion, are inaccurately reported without validation or proof, and an unauthorized inquiry, XXXX XX/XX/year>, appears on Experian without my consent. These items are inaccurate, unverifiable, and unauthorized, and I am requesting that they be removed entirely from my credit reports.

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 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am experiencing intense IDENTITY THEFT. Someone has taken my social security number and opened several accounts. The latest was an Apple Card. I received an emailing saying that my payment of {$900.00} was received. THIS WAS NOT ME. I repeat- this was not me!!! Someone also tried to spend {$400.00} from my XXXX  XXXX XXXX Credit Card, but my bank blocked it. They then attempted to spend {$3000.00}, but my bank blocked that as well. 

When I saw a mysterious ACH transfer of {$1600.00} from my Chase checking account into an anonymous XXXX account, I reported it to my XXXX bank. Because this identity thief had my account and routing number, we had to cancel my checking account and make a new account. 

Please help - I do not know how many credit card accounts they are opening in my name but this must stop. I am experiencing identity theft and must put an end to this immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Made a payment of {$150.00} on XX/XX/year>. My payment due date was XX/XX/year>. They came and repossessed my vehicle on XX/XX/year> claiming I'm XXXX  days overdue. On XX/XX/year>, I was only XXXX  days overdue as my payment was due on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite consistently meeting all payment deadlines, this issue has caused undue stress and sleep disturbances. It's concerning to face repercussions for actions I haven't taken. I kindly request an immediate correction to my account to reflect accurate information and mitigate the stress caused.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-28 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: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal 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 2025-11-28 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: FL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 non-monetary relief
Consumer complaint received 2025-11-28 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: NY

Complaint narrative:
Bank errors in billing and reporting are severely damaging my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must accurately reflect payments and credits, yet multiple violations have occurred : payments I made were not properly recorded, and there are blatant calculation errors in the reported amounts. Furthermore, I was not given the mandatory 21-day notice before a payment was due, rendering any late payment marks invalid. These inaccuracies constitute a clear breach of federal law and unjustly undermine my credit standing.

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 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I purchased an item through XXXX using PayPal for {$180.00}. The seller uploaded a USPS tracking number that shows delivered, but USPS confirmed verbally it was delivered to a different address in XXXX, Utah, not my address in XXXX, Utah ( XXXX ). 

I sent screenshots and USPS confirmation to PayPal, but they still closed the case in the sellers favor because tracking showed delivered. Later, the seller added a XXXX tracking number even though nothing was ever shipped through XXXX. 

After the dispute closed, I checked the sellers reviews and discovered many other buyers reported the same scam pattern fake tracking numbers and no delivery. 

USPS cant print

proof because of privacy policy, but they confirmed the mismatch verbally. Im not trying to defraud anyone I just want a refund for an item that was never delivered. PayPal and my bank both denied my claim even with this evidence.

I respectfully request that PayPal reopen and review this case, verifying the destination city for the XXXX tracking and the sellers fraud pattern.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
In XX/XX/year> this lady changed my username, password and phone number to access my account and took my social security deposit from me without out permission or authorization. Basically I dont give my vital information to anyone and I dont know how she did it but she did and Chime has denied my dispute three times even when I contacted XXXX. I even filed a police report and they said it was clearly fraudulent transaction

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: CL Holdings LLC
State: TN

Complaint narrative:
Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Formal Dispute & Validation Request XXXX XXXX Account # XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the XXXX XXXX account your company is reporting to XXXX  under account number XXXX, with an alleged balance of {$1700.00}, opened XX/XX/year>. 

I do not acknowledge this account as valid, and I am requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ). Please provide : 1. Documentation showing I am legally responsible for this debt. 
2. A copy of the original XXXX XXXX service agreement or contract with my signature. 
3. A complete itemized billing history.

4. Proof that Jefferson Capital Systems legally owns or has the right to collect this debt.

5. Verification of the alleged balance and how it was calculated.

Until this information is provided : You must cease collection efforts, You must not report unverifiable information to XXXX, and If you can not validate the debt, you must remove the account from all credit bureaus as required by the Fair Credit Reporting Act ( FCRA ). 

Please respond in writing within 30 days of receiving this letter. I request that all further communication be conducted in writing only. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-11-28 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: NV

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NV

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America is reporting my credit card account inaccurately on XXXX. Pay Status shows Charged Off but account status, balance, dates, and payment history conflict with XXXX standards. DOFD is missing or incorrect. Under FCRA 1681i I request a reinvestigation and deletion if the information can not be verified.

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 2025-11-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, XXXX publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my XXXX credit report. I do not authorize XXXX or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach.

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because XXXX allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

Company response to consumer: Closed with non-monetary relief