vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: IL

Complaint narrative:
I respectfully request that you block and delete the unauthorized accounts from my credit report promptly. I did not authorize or create these accounts and am unfamiliar with their origin. Per USC 1681g, I am asking for their removal within the next 15 days. Ive enclosed the necessary documents for your review. Additionally, the account information reported varies between credit bureaus and contains inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I signed up on a promotional site for the Capital One XXXX XXXX card. Among the perks listed on the site was a promotion of no interest for the first year. I signed up based on this benefit, met the {$4000.00} minimum spend to get mileage benefits and carried a balance based on this perk. I checked my statements and was not seeing any interest charged, until this month when I looked back through again and saw all interest charges starting in XXXX which have probably cost near {$1000.00}. These were not showing before when I looked through my statements in the app each month. I spoke to a manger by phone who said terms were mailed, which I did see and I saw the APR, which I thought was the rate once the interest was to start after the promotional year period. The manager also said that not all promotional terms may be approved, everything depends on each individual application. But if the terms do not specifically denote that a particular benefit was not approved, then there is no way for the consumer to know, and it becomes false advertising. I would not have applied for the card and I would not have carried a balance had this been made clear, and has cost me a lot of money. There's also some XXXX XXXX  happening because the interest charges were not showing XXXX when I was checking my statements in the app, now all of a sudden they are.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report shows an open credit card account with XXXX XXXX  and XXXX. I DO NOT nor have I ever opened or authorized an account/credit card with either of these companies, thus it is deemed fraud. I have multiple FTC reports and also police reports from when my identity was stolen. These items must be deleted and blocked immediately. Additionally, all of a sudden an address from 20 years ago has again appeared on my report as a result of someone attempting to use my identity. They have also put a hyphen in my surname that I never had.

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 2025-05-09 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:
My credit report shows an open credit card account with XXXX XXXX  and XXXX. I DO NOT nor have I ever opened or authorized an account/credit card with either of these companies, thus it is deemed fraud. I have multiple FTC reports and also police reports from when my identity was stolen. These items must be deleted and blocked immediately. Additionally, all of a sudden an address from 20 years ago has again appeared on my report as a result of someone attempting to use my identity. They have also put a hyphen in my surname that I never had.

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 2025-05-09 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: FL

Complaint narrative:
My credit report shows an open credit card account with XXXX XXXX  and XXXX. I DO NOT nor have I ever opened or authorized an account/credit card with either of these companies, thus it is deemed fraud. I have multiple FTC reports and also police reports from when my identity was stolen. These items must be deleted and blocked immediately. Additionally, all of a sudden an address from 20 years ago has again appeared on my report as a result of someone attempting to use my identity. They have also put a hyphen in my surname that I never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
I am disputing a repossession account from Exeter Finance ( now with XXXX XXXX XXXX ). The car was taken due to a mechanical problem and was sent to a mechanic. It was then repossessed and sold at auction without my consent or notification. I was never informed about a deficiency balance, and I never received the car or any money from the sale. The debt collector ( XXXX ) is now reporting a balance, which I do not owe. I have no documents from Exeter or the auction. I believe this account is inaccurate and must be removed from my credit report. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX, and I am a XXXX living with XXXX XXXX. I am filing this complaint against Cash App ( Block, Inc. ) for repeated account closures, denial of service, and discriminatory practices that are impacting my daily life and financial independence. 

Every time I try to open or access a Cash App account, the system closes it within minutesoften immediately after I input my Social Security number or upload required documents. I am shown this message : This account has been closed. You can not use it to send or receive money. You can not withdraw funds. 

This has happened repeatedly, despite me doing exactly what Cash App support has instructed. Ive reached out many times and have been told, Please create a new account. This one can not be reopened. I follow those directions, but every time I recreate the account, the result is the sameanother automatic closure with no explanation. 

The only reason Cash App may see multiple accounts in my name is because they keep telling me to create them. Im not trying to game the systemIm just doing what their support staff instructs, but it never works. And now, it feels like just seeing an email from me means theyve stopped responding entirely, like Ive been labeled or flagged unfairly. 

My most recent XXXX was XXXX XXXXXXXX, but it was shut down just like all the others. I have never received a valid explanation or real follow-up, even after dozens of attempts to reach out. 

As someone with XXXX, I rely on digital services like Cash App to complete daily taskssuch as paying caregivers, managing transportation, buying necessities, and receiving support. I can not use traditional banking easily. So being blocked from Cash App repeatedly without cause puts my independence and well-being at risk. 

On top of that, I am not even able to order a Cash App Card to my verified address. That service is completely inaccessible to me, despite fulfilling all the verification requirements. 

This treatment violates my rights under the Americans with Disabilities Act ( ADA ). Title III requires public-facing companiesincluding digital platformsto provide equal access and reasonable accommodations to individuals with XXXX. Cash Apps system not only fails to account for this, it effectively shuts me out with no path to resolution, no communication, and no transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-09 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: IL

Complaint narrative:
I respectfully request that you block and delete the unauthorized accounts from my credit report promptly. I did not authorize or create these accounts and am unfamiliar with their origin. Per USC 1681g, I am asking for their removal within the next 15 days. Ive enclosed the necessary documents for your review. Additionally, the account information reported varies between credit bureaus and contains inaccuracies.

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 2025-05-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : CFPB Complaint Experian 's Failure to Properly Investigate XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX To Whom It May Concern, I am filing this complaint against Experian for its failure to conduct a lawful and reasonable investigation in response to my formal dispute regarding the reporting of late payments on my XXXX XXXX XXXX XXXX account XXXX XXXX. 

Despite submitting a detailed dispute, Experian marked the account as verified in just XXXX days, which is insufficient time for a proper investigation to be conducted under the Fair Credit Reporting Act ( FCRA ). Experian did not confirm whether XXXX XXXX XXXX XXXX had permissible purpose or my written authorization to furnish this derogatory information. 

Additionally, I have opted out of all third-party data sharing, which includes private companies such as Experian. As such, Experian does not have my consent to store, share, or report information pertaining to this accountparticularly adverse information like the late payments currently reflected on my file. Reporting negative information without a signed contract or verifiable authorization violates 15 U.S. Code 1681b.

This constitutes a willful violation of the FCRA, entitling me to damages under 15 U.S. Code 1681n, and poses harm to my creditworthiness and financial standing. 

Requested Relief : I am requesting the CFPB to investigate and compel Experian to : Immediately remove all late payment notations related to XXXX XXXX XXXX XXXX from my credit file ; Update the tradeline status to reflect Pays as Agreed or Current ; Provide written confirmation that the changes have been completed and that Experian has complied with FCRA regulations ; Disclose how and by whom the verification was conducted during the prior dispute ; Confirm Experians legal basis for continuing to report and distribute my personal information without written consent, despite my opt-out status. 

Should Experian continue to ignore FCRA provisions, I will also report this matter to the Federal Trade Commission ( FTC ) and the Georgia Attorney Generals Office for further investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX 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 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute a fraudulent collection account that has been reported under my name. I strongly assert that I do not owe the alleged debt, and I believe this is either a case of inaccurate reporting, or identity theft. 

I have never entered into any agreement with the company in question. This collection has caused unnecessary stress and damage to my reputation. I respectfully request that the CFPB assist in the removal of any fraudulent claims made against 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 2025-05-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding the handling of my prepaid gift card issued by your company and managed through ( https : //myprepaidcenter.com  ). 

On XX/XX/XXXX, I contacted your customer service team by calling XXXX. I spoke with a representative who confirmed the following details : * The original value of the gift card was \ {$110.00}. 
* A single transaction for approximately \ {$42.00} was made at Big Lots. 
* A remaining balance of \ {$67.00} was confirmed. 
* The card expired in XX/XX/XXXX ( XX/XX/XXXX ). 

Following that call, I also contacted XXXX the same evening to inquire if they could assist in recovering or reissuing the remaining balance. Unfortunately, they were unable to help and instead advised me to contact the card member services listed on the back of the cardwhich had already led me to your support line. 

After further research, including reviewing several XXXX forums and other customer experiences, I learned that the most effective way to pursue a resolution was to submit a formal complaint directly through your channels. 

Therefore, I am requesting to get help with reissue a card with the remaining balance of \ {$67.00} or provide an alternative form of reimbursement. 

Please consider this a formal complaint and a request for resolution. I would appreciate a timely response and am happy to provide any further documentation you may need. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX / XXXX \last four of card number ( if safe to provide ) : XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/2025, I processed a {$630.00} payment using Squares invoicing platform after providing legitimate services. Shortly after, Square deactivated my account without providing any specific reason. I submitted a formal ACH revocation notice instructing that no further withdrawals be made from my linked bank account. Despite this, Square has blatantly disregarded my revocation request on multiple occasions including attempts to withdraw {$630.00} on XX/XX/XXXX, XXXX, and again on XX/XX/2025. 

I was not a party to the payment process beyond generating the invoice in good faith. Square assumed responsibility for the transaction, processed the payment, and then XXXX my ability to manage or challenge the dispute through their system. They are now attempting to extract funds from a closed processor relationship, which I explicitly revoked. 

This ongoing behavior violates Regulation E and constitutes unauthorized access to my account. It has caused operational harm to my business and created severe financial and emotional strain. I request that Square be directed to honor the revocation request immediately, cease all withdrawal attempts, and provide a fair and transparent resolution process for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
In XX/XX/2025 I disputed XXXX XXXX Bank via Equifax, XXXX, and XXXX. 

In XX/XX/2025, the account was disputed again to correct inaccurate information requesting details be provided in writing. 

In XX/XX/2025, the XXXX XXXX account was disputed, reviewed, and removed from XXXX and XXXX. However, this information has not been removed from Equifax. I am requesting the credit bureau provide valid details as to why this account has not been removed. 

I do not trust the findings of Equifax as Equifax has been involved in multiple lawsuits and settlements, primarily due to a major data breach, failures in credit report investigations, and potential antitrust violations related to their services. 

The CFPB found that Equifax failed to properly investigate consumer disputes, leading to inaccurate information being retained in credit reports. 

Equifax ignored documents and evidence submitted by consumers, allowed previously deleted inaccuracies to be reinserted, and provided confusing information about the results of investigations. 

The CFPB 's order requires Equifax to comply with federal law and pay a {$15.00} XXXX civil money penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
XXXXm writing to dispute inaccurate and unauthorized information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( 2 ), my personal information was shared without my written permission. This led to accounts being added that I didnt open or use. This may also be identity theft under 15 U.S. Code 1681c-2. Please investigate and fix these errors to make sure my credit file is accurate.

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 2025-05-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : ( attached 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief