vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: MA

Complaint narrative:
I opened up a previous claim XXXX which says the company cashapp has already dealt with my issue but they have not. I have since opened up several appeals with them and have gotten no information The email i got on XXXX/XXXX  said XXXX XXXX, We reviewed your account and found activity that violates our Terms of XXXX. 

As a result, your Cash App account will remain deactivated and you will no longer be able to use your account or its features. If you have an investing account and have questions, visit our Cash App Help Center or contact Support directly through your app. 

To withdraw any remaining funds : Tap the Banking tab on your Cash App home screen Tap Withdraw Select an amount Confirm with your PIN or Touch ID ( if enabled )..... 

It does not give me a reason for what i did. And i have since opened a XXXX and XXXX appeal and now after this a XXXX appeal to find out what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
On XX/XX/year>, I purchased a XXXX XXXX from Best Buy for {$1600.00} using my Best Buy Credit Card issued by Citibank. 
I returned that TV in-store on XX/XX/year> and exchanged it for a different model priced at {$1700.00}. 

Best Buy only issued a partial return credit of {$840.00}, plus XXXX unrelated service refunds ( {$380.00} and {$200.00} ). 
These smaller credits do not equal the full {$1600.00} refund that should have been applied for the returned TV. 

As a result, Citibank is still showing XXXX separate promotional balances on my account : {$1400.00} ( the original TV that was returned ) {$1700.00} ( the TV I actually kept ) This means I am being billed for XXXX televisions, even though XXXX of them was returned. 
The remaining refund owed for the returned TV is {$800.00} ( {$1600.00} {$840.00} ). 

Citi has repeatedly closed my prior disputes without addressing this math. They continue to cite partial credits as if they equal the full return amount, which is incorrect. 
This is a clear billing error under the Fair Credit Billing 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 2025-12-02 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: AK

Complaint narrative:
I am filing this complaint because the items listed below are being reported inaccurately on my Equifax credit report. I am a consumer simply trying to fix my credit and I am requesting a full reinvestigation. These accounts do not match my records and I believe they may contain reporting errors. Please review and correct or delete the inaccurate information. 

Charged Off Accounts in Dispute XXXX XXXX XXXX XXXX, XX/XX/year>, {$870.00} Late Payments in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, Consumer Financial Protection Bureau I am submitting this complaint because several accounts on my credit report are being reported inaccurately. These errors are harming my credit profile, and I am requesting a full investigation and immediate correction under the Fair Credit Reporting Act ( FCRA ) 602, 607, 609, 611, and 623. 
The following accounts are reporting incorrect information : XXXX. XXXX Acct XXXX XXXX * Date Opened : XX/XX/XXXX Issue : Reporting late payments, which is false. I never made any late payments on this account. I am requesting a correction of the payment history. 
XXXX. XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Issue : Reporting as a charge-off, but I have no knowledge of this debt. I never received any verification or original agreement. Please request deletion for failure to validate. 
XXXX. XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Issue : Reporting late payments, which is inaccurate. I did not pay late, and no proof of delinquency has been provided. 
XXXX. XXXX XXXX Acct : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Issue : Reporting as a charge-off. I have no knowledge of this account, and the furnisher has not validated any documentation. Please delete. 
XXXX. XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX/XXXX/XXXX Issue : XXXX late payments. This reporting is incorrect. I never paid late, and I request correction of the payment history. 
XXXX. XXXX XXXX Acct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Issue : XXXX late payments, which is inaccurate and unsupported. Please correct the reporting. 
XXXX. XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Issue : Reporting late payments that I did not make. I request correction under FCRA 623. 
XXXX. XXXX XXXX Acct : XXXX * Date Opened : XX/XX/XXXX Issue : Reporting as a charge-off, which I do not recognize. No validation or contract has ever been provided. Please delete this account from my report. 
These items appear to be erroneous, unverified, and inaccurate, violating FCRA accuracy and verification requirements. I request that the CFPB compel the bureaus and furnishers to provide proper documentation or remove the inaccurate information immediately. 
Thank you for your assistance

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 2025-12-02 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: OH

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-02 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: MN

Complaint narrative:
In XX/XX/year>, I disputed a XXXX XXXX XXXX ( XXXX ) collection account with Experian and TransUnion because XXXX never provided the legally required validation under FDCPA 809 ( b ). XXXX only sent me a transfer notice from XXXX Bank, not a signed agreement, account history, itemized charges, or proof of ownership of the alleged debt. 

Despite this, Experian and TransUnion reported the account as verified without providing me any documentation or explanation of how the account was verified. I requested validation details and documentation used in their investigation, but they did not provide any. 

Since my original dispute, XXXX  has fully deleted the XXXX account from my credit report, confirming that the information could not be verified. This is new and relevant information. I am submitting a new complaint because Experian and TransUnion continue to report the account even though : XXXX failed to validate the debt. 

No proof of ownership or contract has been produced, The account can not be verified by another credit reporting agency ( XXXX  ), The previous investigation did not correct inaccurate information. 

Under the Fair Credit Reporting Act, Experian and TransUnion must remove information that can not be verified. I am asking for a reinvestigation based on new evidence ( XXXX  deletion and PRAs inadequate validation ), and for the unverified collection account to be deleted from my Experian and TransUnion credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
am disputing an apartment debt that has been reported inaccurately. I provided the required 60-day notice to vacate my unit, but the property manager falsely claimed that my notice was fake and attempted to force me to remain for an additional two months at a much higher rental rate. I fulfilled all obligations under my lease, including proper notice, and I did not owe any additional rent.

Because I refused to agree to the inflated charges, the property management company began reporting a debt that is not valid. The management company has also changed names multiple times, making it difficult to verify or resolve the issue directly.

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 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I have contacted this company by phone and mail. I mailed a letter requesting any documentation back in XXXX, XXXX, and XXXX of XXXX. No response. The phone numbers provided dont work

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint to request that the Consumer Financial Protection Bureau review and take immediate action regarding negative and inaccurate accounts being reported by XXXX XXXX  Account numbers # XXXX, XXXX  Account # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX These accounts is being falsely or inaccurately reported, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have requested verification and documentation from the furnisher, but they have failed to provide proof of debt ownership or authorization to report this account. Despite this, the account remains on my credit report, continuing to harm my creditworthiness, financial opportunities, and emotional well-being. 
I am demanding that the furnisher : 1Cease and desist all collection and reporting activity related to this account.

2Immediately delete the account from all credit reporting agencies ( Experian, XXXX, and TransUnion ). 
3Provide written proof of deletion and confirmation of compliance. 
Additionally, due to the ongoing damage caused by their failure to accurately report and verify information, I am requesting financial compensation for the negative impact on my credit profile, denied credit opportunities, and emotional distress. 
I have attached all relevant documentation supporting my claim and respectfully request the CFPBs assistance in holding the furnisher accountable and ensuring this matter is resolved promptly.

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 2025-12-02 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 am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-12-02 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:
These inquiries are not familiar to me and appear to be unauthorized. Please take immediate steps to address this matter. Additional clarification is included in the attached documents.

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 2025-12-02 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: PA

Complaint narrative:
These inquiries are not familiar to me and appear to be unauthorized. Please take immediate steps to address this matter. Additional clarification is included in the attached documents.

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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am having problems with my online banking with PNC bank for the past 2 weeks. It started early in XXXX ; I called on the XXXX  with no resolution. I had to call them directly to do the transfer for me so I can pay my bills. that was done twice so I will not be overdraft. I am not able to receive phone calls or texts from the bank to verify me. I feel uneasy about this situation, and I would like a resolution asap. I've tried to work with them to no avail. I have been using the same phone number, the same carrier with pnc bank. I have been with this bank for over 30 years. Please I need some assistance. The customer service sends me text and trouble shooting and i was able to receive the texts. The problem is not coming from my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have been a XXXX  and a credit card holder for over 35 years. I am also a member in good standing with the XXXX XXXX XXXX. For many years I had their XXXX visa credit card in good standing. I never missed a payment and was never late. Out of the blue, on XX/XX/year>, I get a letter that I have to change over to " XXXX XXXX XXXX XXXX. '' I did not ask for the change. I was commanded to look an " XXXX XXXX '' by XX/XX/year> ; and that as of that date, My XXXX visa would no longer be active. I got the credit card and began the process of activating it. It forced me to sign that I would agree to online statements ; that I would give over my private bank account number -- routing number and account number as a pre-requisite for activating the card. I had {$700.00} from the visa that I needed to pay for. HOWEVER, they would not let me pay because they said " they had not linked my bank account to their business : XXXX XXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I looked up on AI and it said that was a very risky thing to do. One should be careful about sharing the bank routing number and account number. I am a senior citizen on a fixed income. I do not have the ability to have digital statements. I need paper statements. I called repeatedly expressing my concerns from XX/XX/year> through XX/XX/year>. I called and asked if they could activate my account so I could pay off the account and was denied that privilege. I called the XXXX XXXX XXXX and asked them to look into it. I was told many dentists were complaining. I am a senior citizen. All the money to my name is in that account. I do not think it is lawful to ask me for that secure information. I feel very vulnerable with someone I have never done business with having that information. I asked the XXXX XXXX XXXX how they would feel if that happened to them. They said they would not give out their bank information either. Finally I need paper statements because I do not have access to digital things that allow me to print statements. These are unlawful practices and I would appreciate you looking into it. XXXX is the number of the XXXX. XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
DEAR SIR/MADAM, I am requesting a full investigation into the inaccurate and incomplete information being reported on my Equifax credit report. I am a consumer simply trying to fix my credit, and several items are being reported incorrectly. These errors are causing me financial harm and preventing me from rebuilding my credit. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information. 

CHARGED-OFF ACCOUNTS ( XXXX ) These accounts are being reported inaccurately. I am requesting an investigation and removal if they can not be properly verified : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$2100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$140.00} * * LATE PAYMENTS XXXX XXXX XXXX  These accounts are reporting late payments inaccurately. Please verify or remove : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This account is not mine. I was only an authorized user, not the primary account holder, and I am not responsible for any balance on this account. 

Because of that, I am requesting that it be removed from my credit report, since the debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Volvo Car Financial Services U.S., LLC
State: GA

Complaint narrative:
I was pressured to buy an add-on insurance coverage for {$10000.00} on a newly leased XXXX  XXXX XXXX XXXX, and I was was not told that the reason Volvo was pushing the add-on was because the vehicle had a history of serious software issues that caused surging and accidents. On XXXX XXXX XXXX, the vehicle malfunctioned, surged uncontrollably into a parked car, tree, and lightpost, causing severe damage to the Volvo, the parked car, and the tree, as well as trapping me inside the smoking, unresponse vehicle for several minutes after the accident. Volvo had the same issue in the XXXX and refunded the purchasers and stopped sale of the vehicle, but has refused to take ownership of the issue in the US or offer a refund in my case. Seeking {$10000.00} damages, as the vehicle is irreparably damaged and unsafe to ever drive again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
My credit info was used to try and open fraudulent credit account. I am a victim of identity theft. Please dispute and remove following inquiries from my credit report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXXXXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: IN

Complaint narrative:
I took out a loan with XXXX XXXX in XXXX. I ended not using the loan. Went to college for XXXX years paid with my own money room and board and tuition. Forgot about the loan. In XXXX I was looking for an apartment and checked my credit score and noticed a bad mark- looked up the name that it was under, Ed Financial. That is when I remembered about my loan and found out it had been sold to another company. I did not receive a phone call, email or letter in the mail alerting me of this move. Nor did I ever receive a bill or any notice of a late bill. When I found out about this loan and looked up the company to contact them, I paid it off immediately. However my credit score is severely affected.

Company response to consumer: Closed with explanation