vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: HI

Complaint narrative:
XX/XX/XXXX check for {$8100.00} mailed through Chime to Social Security Administration XX/XX/XXXX : called SS, check not received XX/XX/XXXX : Chime account closed by their policy [ due to PO box mailing address/physical address not in system ] XXXX : SS still hadn't received the check ; requested Chime stop paynent on this missing SS check, mailing to me at XXXX XXXX XXXXXXXX XXXX XXXX. 
XX/XX/XXXX : as of today, still haven't received refund check from Chime in XXXX XXXX at XXXX, XXXX post office. Have checked every 2 days since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Zelle lost money and couldnt get it back if it was sent to wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I recently applied for a Barclay Wyndham credit card but they refuse to add my XXXX number to the account so I could not receive the points. I called Barclay multiple times but they just put me on hold and call XXXX. XXXX said its a Barclay issue

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 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash App is refusing to release funds from my old account even after I provided multiple forms of valid proof of ownership.

1. I gave them my bank account information, which is the same bank I used with my old Cash App and is also still active and linked to my current Cash App account.

2. I provided the government ID I would have used at the time of the accounts opening ( now expired, but valid during the period in question ).

3. I also provided my current government ID, which is active and valid.

4. I offered to send a screenshot showing an EXACT payment amount and date, along with a username I sent it to.

Despite this, Cash App responded that my documentation was not sufficient. This is not a verification issue this is a refusal to honor their obligation to return my money.

By refusing to release my funds despite multiple, overlapping proofs of identity and account linkage, Cash App is engaging in an unfair and harmful business practice. I am requesting regulatory intervention to compel them to release my money.

Their refusal to allow account recovery, even with full proof of identity, has resulted in my funds being withheld indefinitely. They have stated I will never access the account and the money is now gone.

Please see attached screenshots for cashtag information I am requesting that Cash App either ( 1 ) restore my access to my account, or ( 2 ) release the funds in the account back to me by check or linked card/bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: TX

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account name : XXXX XXXXXXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$22000.00} Account name : XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$140.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$760.00} Account name : XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$880.00} Account name : XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$180.00} INQUIRIES : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Background I initiated a formal dispute with Experian and Equifax on XX/XX/year>, regarding a bankruptcy that is inaccurate. I provided Experian and Equifax with proper supporting documentation, including identity verification and relevant court information showing that the bankruptcy can not be substantiated. Following the same dispute and documentation : XXXX  removed the bankruptcy, stating it could not be verified.. Experian and Equifax, however, continues to report the bankruptcy as verified, without providing any documentation, evidence, or disclosure of the source allegedly used for verification. This contradicts the verification results of the other major CRAs and reflects a failure by Experian and Equifax to conduct a lawful and reasonable reinvestigation, as required under the FCRA. Legal Basis : XXXX XXXX. XXXX According to XXXX XXXX. XXXX ( a ) : A credit reporting agency must conduct a reasonable reinvestigation when a consumer disputes any item of information ; If the information can not be verified, it must be promptly deleted ; The agency must complete the reinvestigation within 4 days. The consumer must be provided with the results of the reinvestigation, including the method and source of verification. Experian and Equifax has had over XXXX months to comply with the law. Their failure to remove the unverifiable bankruptcy, despite multiple disputes and known conflicting findings by XXXX, constitutes a willful or negligent violation of the FCRA. Harm Caused Due to Experian and Equifaxs failure to remove this inaccurate and unverifiable bankruptcy, I have suffered : Ongoing harm to my creditworthiness and credit score Denials of credit and adverse lending decisions XXXX XXXX inconvenience, and loss of financial opportunities Demand for Relief I am respectfully requesting CFPB intervention to ensure that : Experian and Equifax deletes the bankruptcy from my credit file within 4 business days of this complaint, as it has been proven unverifiable ; Experian and Equifax provides full transparency by identifying the method and source of their verification ; CFPB considers regulatory or enforcement actions against Experian and Equifax for failure to comply with 15 U.S.C. 1681i. Supporting Documentation Dispute letters submitted to Experian and Equifax dated XX/XX/year>, and after Responses from XXXX  confirming removal Recent credit report showing Experian and Equifaxs continued reporting Proof of identity Public court records or documentation disproving the bankruptcy association Thank you for your attention to this matter. I trust that the CFPB will ensure that Experian and Equifax is held accountable for its failure to meet federal consumer protection standards. Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
XX/XX/scrub>XXXX Affirm Inc sent an email informing that account was placed in debt with XXXX collection for balance owed. XXXX Response sent via email disputing balance owed. XXXX Received response via email that collection would not be resumed until validation documentation be given with investigation is ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
To Whom It May Concern, This letter is a formal request for validation of an alleged debt. I do not acknowledge any liability or claim. Under the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S. Code XXXX, I request that you provide the following : - The original signed contract or agreement with the creditor - A full itemized accounting of the amount claimed- The chain of assignment or purchase agreement proving you own the debt - The name and contact information of the original creditor Until the above information is provided, I request that all collection activity cease and this account not be reported to any credit bureaus. If this debt is already being reported, you must notify all credit bureaus that it is being disputed. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
I have disputed the accuracy and completeness of accounts on my credit report with TransUnion on multiple occasions, and I even filed a CFPB complaint previously to ensure a fair investigation. Yet XXXX results continue to reflect errors, showing either that TransUnion failed to conduct a proper investigation or that the furnishers of data provided false information. 
Under the Fair Credit Reporting Act, TransUnion has a legal duty to ensure that information it reports is accurate and complete, regardless of what a furnisher provides. I previously notified TransUnion of the disputed inaccuracies, but the investigation results I received still contain serious errors. 
The XXXX accounts at issue are : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Despite repeated disputes, these accounts remain reported with inaccuracies and incomplete information. The attached dispute letter I sent directly to TransUnion, along with XXXX own investigation results, are attached to this CFPB complaint for reference.

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 2025-08-20 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX U.S.C. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX. - # XXXX XXXX. XXXX XXXX XXXX XXXX - # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
b'To Whom It May Concern,\n\nOver the past couple of years, I have been a victim of identity. In 2020, my drivers license and Social Security card were either stolen or misplaced. Since that time, I have noticed several unauthorized accounts and activity appearing on my credit report that I did not initiate or consent to. The following accounts were fraudulently opened in my name and do not belong to me:XXXX XXXX credit card XXXX| Limit $XX/XX/XXXX limit $XXXX XXXX XXXX XXXX XXXX | XXXX $XXXX / $XXXX XXXX XXXX | XXXX $XXXX XXXX | XXXX $XXXX XXXX XXXX | XXXX $XXXX XXXX | XXXX $XXXX XXXX XXXX | XX/XX/XXXX $XXXX XXXX XXXX XXXX  | XXXX | XXXX $XXXX XXXX | XXXX  Opened XXXX Balance $XXXX  Credit limit $XXXX have taken the appropriate legal steps to report this identity theft, including filing an official complaint with the Federal Trade Commission (FTC) and submitting a police report. Copies of both are included with this letter for your review.\n\nUnder the Fair Credit Reporting Act (FCRA), Section XXXX, I am formally requesting that you block and remove these fraudulent accounts from my credit report. This section of the law requires credit bureaus to block information resulting from identity theft within XXXX  business days of receiving proper documentation. Please update your records accordingly and provide me with a written confirmation once these accounts have been removed.\n\nI appreciate your prompt attention to this matter and your help in restoring the accuracy of my credit profile.'

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
In 2024 Affirm reported my XXXX accounts with derogatory information, and has refused to delete the information. I have sent XXXX certified letters to affirm, and XXXX certified letters to the XXXX major credit bureaus in the past XXXX  months. The information still remains on my credit report. They also did not mark my accounts as disputed within the XXXX  day time frame by federal law. This reporting has caused financial hardship for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX U.S.C. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX. - # XXXX XXXX. XXXX XXXX XXXX XXXX - # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
A loan on my vehicle will Ballon from a XXXX XXXX XXXX car loan agreement to XXXX, XXXX XXXX in the amount of interest that will occur in the original agreement of the loan. Basically an increase of double the loan plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Global Trust Management LLC
State: TN

Complaint narrative:
Company reached out to my step mother about a best an owe. They contacted her multiple times and gave out personal information such as that I had an outstanding debt, how much I owed, when it was taken out, etc. 
First time she was contacted was XX/XX/year> and last was XX/XX/year>. I have not received personal correspondence from this company yet myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XX/XX/year> These Items I feel is Inaccurate and need to be investigate. 
Under Section 611 [ 15 U.S.C. 1681i ] You are require to investigate the items I believe is inaccurate. If can not be verify within 30 day it need to be deleted by law. 

XXXX ( XXXX ) ( Open in Experian only ) Discoverbank ( XXXX ) ( Open in Transunion and Equifax only ) XXXX ( XXXX ) ( Open in Transunion and Equifax only ) XXXXXXXX XXXX XXXX XXXX ( Open in Transunion Only ) Any closed Account items after investigating need to be delete permanently Under Section 611 Any Inaccurate items after investigating need to be delete permanently Under Section 611

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 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I would like do discus options with my navy federal account, its still open after being told I had to close it but I get a monthly statement how do I get the band off of my account?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: IL

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I lived in the XXXX XXXX XXXX, my move-in date was XX/XX/2024. Upon living there, there was a roach infestation, and I did not want to live there any longer. I paid my last months rent and also paid to break the lease. I moved out in XX/XX/2024. I paid the last months rent which was {$1700.00} along with the {$3500.00} they charged me to break the lease. I was never late on rent and moved out in good standing. They even gave me good regards to my new landlord where I live now. I am only hearing about Columbia debt doing business as XXXX from my credit report. I contacted XXXX XXXX XXXX, and they informed me that I didnt owe them anything. Upon doing my research, there are many people saying that this company Columbia debt recovery doing business as XXXX has scammed them for false and unpaid rent claims. I never owed the XXXX XXXX XXXX anything upon moving out. Ive never received an attempt to collect any debt from them. Please help me with information on how I can protect myself from this false claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am disputing inaccurate information on my Experian credit report regarding XXXX XXXX XXXX. The account is reported as charged off but also shows a past due balance, which is inconsistent and inaccurate. A charged-off account can not simultaneously report as past due. I request that this information be corrected or removed in compliance with the Fair Credit Reporting Act.

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 2025-08-20 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: GA

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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