vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IL

Complaint narrative:
In XX/XX/year>, I used my Cash App Card to pay {$150.00} to XXXX XXXX XXXX for merchandise advertised as XXXX XXXX. The merchant stated a delivery window of 613 weeks. I waited in good faith based on this timeline.

The items were never delivered. The merchant later emailed me offering a refund, which I accepted and provided my order number. On a later date, the merchant emailed stating the order was canceled and the refund was issued. However, no refund was ever received in my Cash App account.

I filed a dispute with Cash App for non-delivery, which was denied due to their 60-day policy. I appealed and provided documentation showing the merchants written confirmation of a refund, but Cash App upheld the denial and refused reimbursement. 

I am requesting that Cash App review this matter and credit the {$150.00} that was never delivered or refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
My credit report says there is a collection with the date XXXX for XXXX dollars. Using a provided PO Box number & nonworking phone number ( via XXXX XXXX ) I traced the collection to Ability Recovery Services LLC ( Wyoming, PA ). The company aforementioned will not respond to my calls and I have no way of verifying the debt. I called the health care provider of which the debt was supposedly forwarded from ( XXXX XXXX formerly XXXX XXXX XXXX XXXX ). The report uses there old name which contributes to the likelihood of fraud. XXXX XXXX has no record of providing services in XX/XX/2025. My medical records do not indicate I received treatment. Im willing to pay the money to fix my score, but I can not contact the collection agency, verify my debt, and feel powerless.

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 2026-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: WI

Complaint narrative:
My loans through Dept. of Education-XXXX qualify for PSLF forgiveness and have exceeded the required 120 payments. I am experiencing an unreasonable administrative delay with no action taken despite repeated contact. Despite my multiple calls, and promises of my account to be reviewed, my loans have not been discharged. I am requesting immediate discharge under PSLF. This delay exceeds reasonable processing timelines

Company response to consumer: Untimely response
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I started banking at Huntington National Bank in XX/XX/year>. At the time I was told that XXXX service for account management was available. For about four months XXXX worked well and I was able to manage My Business checking, Personal checking, Money Market and two Credit Card accounts without any problems.

At about the fifth month I detected a charge for PC Banking in my accounts. Even though the amount was small ( {$2.00} ), the idea that charges etc. would not be disclosed when I had specifically asked about PC banking troubled me and I related my displeasure in a phone call to customer service. Ever since then I have been beset by error message XXXX and later XXXX whenever i attempt to download my checking or credit transactions.

I have been promised week after week that the resolution is imminent and this has gone on for four or five months. During this time I was able to download transactions outside of XXXX in XXXX or XXXX format and bring them into my Registers in XXXX. as of last week that availability has also stopped. The only option left is for me to print a monthly statement and type into quicken each transaction. The bank including the staff at my branch still give me the same song and dance about how the case has been escalated and solution is almost at hand.I want the Bank to put the necessary resources behind this problem to get to the solution. Importantly, to tell me and you when the resolution will come.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
So I recently checked my credit and saw there was a collection account from IC Systems that I had no idea about I was never sent a notice or a bill by mail regarding this before it getting sent to collections. I saw the collection started on XX/XX/25 I think I should have been notified by mail of it so I could settle or report fraud if so, I was completely unaware. I dont have any notices because I have not received anything.

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 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I deposited {$500.00} into my Cash App account then transferred it to my bitcoin account through the Cash App. App. For day trading purposes I was told by an impersonating mentor to transfer the bitcoin amount to a day trading account called XXXX after a few days things didnt sit well with me so I requested to withdraw the {$500.00} out of the day trading account, but they requested that I put more into the account in order to generate a pin to withdraw, thats when I definitely knew it was a scam. I confronted the impersonator about he blocked me, I tried contacting XXXX turns out there a made up company with a fake website that scams people, and Cash App said they couldnt help due to the transaction being transferred through bitcoin.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries in my credit report. The reference number for that complaint is s/n, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : ( EQUIFAX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of XXXX : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires that reported data is accurate and authorized. 
XXXX XXXX Identity Theft : Section XXXX mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have a checking account with Bank of America since the time I was a student in the US ( 2013 ). It has a $ 12 monthly fee, and I only use this account to pay/keep my credit card ( for US credit score purposes ). I have been trying for YEARS to change it to a zero or lower monthly fee ; however, I always get passed around or " magically disconnected '' before this is done. This is absolute illegal and a fraud. I live abroad at the moment, and the minimum time for a consumer to even speak to a human on the phone at BoA is 40-50 minutes, which is an absolute disgrace. Today I tried to submit a complaint about this ( it has been YEARS! ) and the person simply closed the chat on me without recording my complaint. My request is : to change my checking account to a zero ( preferably ) or lower monthly fee, and have this unlawful behaviour addressed to prevent this absurd to happen to other customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-09 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: FL

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.

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 2026-02-09 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: EQUIFAX, INC.
State: FL

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: MI

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2026-02-09 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: CA

Complaint narrative:
I am disputing the following charged-off accounts with TRANSUNION. The information reported is inaccurate, and I ask for a prompt review and correction : Charged Off : Account Name : XXXX Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Account Name XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$180.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} Inquiries : Account Name : XXXX Date : XX/XX/XXXX Late Payment : Account Name : XXXX  Account Number XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-02-09 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: GA

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 2026-02-09 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: Experian Information Solutions Inc.
State: DE

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-02-09 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: AZ

Complaint narrative:
This reported late payment does not represent my account history or agreed-upon payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Venmo keeps allowing unauthorized charges with no measures in place to protect consumers from these fraudulent charges, and then cutting off access to our own funds for 2 weeks in order to send a new card. This is happening often and im USING All security precautions provided me with biometrics and passwords etc to secure my account. They " say '' they will send overnight, but then they dont. Leaving me without access to any money during that time. In today 's day and time.thisnis unacceptable that they aren't using their profits more towards security enhancements to protect the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HarrisLoftus, PLLC
State: VA

Complaint narrative:
They have required an employer to go to court. They have also garnished outside the Statute of limitations. This loan was taken out over 9 years go

Company response to consumer: Closed with explanation