vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
I am submitting this complaint regarding Cash App 's unfair handling of my account. 

Cash App closed my personal account, citing a violation of their " community guidelines, '' but they did not specify which guideline I allegedly broke. I appealed their decision, but they denied my appeal and permanently closed my account without giving a clear reason or explanation. 

I explained to Cash App that I primarily use my account for my business and asked if they could convert it to a business account instead of closing it, but they did not provide this option. After my account was closed, I attempted to create a new Cash App account specifically for business use. However, every time I attempted to verify my Social Security Number ( SSN ), Cash App would immediately close the account again. 

I have called Cash App customer support numerous times to try to resolve this issue. Each time, representatives ask me for the email linked to the closed account. When I provide it, they state they can not find the accountwhich I have already explained is because they closed it. None of the representatives seem to understand my situation or provide a real solution. 

This issue is preventing me from running my business effectively, as I used Cash App to receive payments. I believe my account was closed in error, and after doing some research, I have discovered that this same issue happens to many other people daily, leaving them without access to their funds or the ability to use the platform again. 

I am requesting that Cash App : Provide a clear explanation of what specific guideline I allegedly violated. 

Allow me to reopen my account or create a verified business account. 

Ensure that my SSN is not being automatically flagged or blocked without cause. 

This situation has been frustrating and has negatively impacted my ability to operate my business. I believe Cash Apps handling of this matter is unfair and lacks transparency, and I am seeking CFPB assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NJ

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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 2025-08-05 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:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cashapps, long ago I somehow got barred from cashapps. But they never sent me any email or any notices about why. And I have asked numerous of reason what did I do wrong. They just ban me without any notification what I did wrong. I deserved second chances and explanation. At least give me a warning but they didnt I am deaf and I have tried to call them and they keep hanging up on me maybe because they think it telemarketing I deserved a fair chances to speak for myself

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, and Experian 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. This fraudulent, inaccurate, and false information consists of the following : Account Name : XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Amount : {$0.00} Account Name : XXXX Account XXXX : XXXX * * * * Date Opened : XX/XX/XXXX Amount : {$410.00} Account Name : XXXX Account XXXX : XXXX * * * * Date Opened : XX/XX/XXXX Amount : {$2200.00} Account Name : XXXX  Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Amount : {$0.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Amount : {$4.00} Account Name : XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Amount : {$0.00} Account Name : XXXX Account Number : XXXX * * * * XX/XX/XXXX Amount : {$42000.00} Account Name : XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Amount : {$45000.00} XXXX XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX 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 XXXXXXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter is a formal and immediate demand for the deletion of an unauthorized hard inquiry listed on my Equifax credit report. I did not authorize, initiate, or consent to this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NC

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company 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 2025-08-05 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: NC

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
CHEXSYSTEMS is reporting inaccuracies as a result of XXXX XXXX, which is negatively affected my personal and financial records,

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 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Between Thursday, XX/XX/XXXX and Monday, XX/XX/XXXX, I contacted Citibank multiple times regarding a freeze placed on both my personal and business accounts. I was not given any formal notice or written explanation for the account freeze, and despite repeated requests, I have not received documentation confirming the reason for the freeze or that the freeze occurred. Each representative I spoke with gave me different responses, and no one was able to escalate the matter or provide a clear path forward. I have requested written confirmation of the account status and the reason for the freeze several times, but Citibank continues to state that their system does not allow them to issue such a document. The freeze has caused delays in making time-sensitive payments, potentially resulting in late fees and financial harm.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I am disputing inaccurate and harmful reporting by Resurgent Capital Services / LVNV Funding on my Experian credit report. This account is being reported with a balance that is inaccurate, unverifiable, and without proper documentation. I have requested full validation of the debt, including the original signed contract and a detailed breakdown of charges, but have not received a proper response. Additionally, this account may be a re-aged debt, which is a violation of the FCRA. If the account can not be verified with complete accuracy and lawful documentation, I request it be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: PA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XX/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 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: ID

Complaint narrative:
I was sued by Crown Asset Management LLC in XXXX XXXX XXXX XXXX XXXX XXXX Idaho XXXX XXXX ) over an alleged debt on XX/XX/year>. However, the agreement they relied on includes a binding arbitration clause that allows either party to elect arbitration at any time. Despite this, the Plaintiff represented by the law firm of XXXX XXXX XXXX XXXX XXXX : Failed to disclose the arbitration clause in their initial complaint ; Never contacted me about arbitrating the matter before suing ; Proceeded with litigation and motions without honoring the clause ; Attempted to obtain a summary judgment without acknowledging my right to arbitrate. 

When I discovered the arbitration clause in the exhibits attached to their motion for summary judgment, I immediately filed a motion to compel arbitration. The court denied my motion, and granted summary judgment in favor of the Plaintiff. I was not informed in writing of any judicial reassignment, and my right to arbitration was explicitly denied despite the clause. 

I believe this conduct violates the Federal Arbitration Act ( 9 U.S.C. 24 ) by refusing to honor a valid arbitration agreement, and violates the FDCPA ( 15 U.S.C. 1692e and 1692f ) by misrepresenting the legal status of the debt and employing unfair litigation tactics. The debt collector used ( or attempted to use ) the courts to collect a debt that should have gone through arbitration, which misled both the court and myself, caused me financial harm, legal fees, and emotional distress. 

Although the court docket reflects that the case was " closed '' on XX/XX/year>, I had already filed a Motion to Vacate the judgment and all pending orders on the same day, based on violations of the arbitration clause, lack of jurisdiction, and improper judicial substitution without notice. 

As of now, it is unclear whether the Motion to Vacate has been ruled on or even considered, and the docket provides no specific indication that it was denied. This has left me without clarity on whether I can proceed with post-judgment relief or whether the judgment is considered final and enforceable. 

I am concerned that this procedural ambiguity is being used to improperly enforce a debt that was never legally adjudicated in the proper forum as required by the contract 's binding arbitration clause. 

Case Information XXXX | Crown XXXX XXXX XXXX XXXX, vs. XXXX XXXX XXXX XXXX 

Case Number XXXX Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/year> Case Type XXXX Breach of Contract ( {$10000.00} or less ) Case Status Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of XXXX XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief