vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
On XX/XX/year>, I was charged twice by Cash App for a single insurance bill of {$110.00}. I only authorized one payment, but both charges were processed and completed.

My insurance company confirmed that they only requested one payment and both charges showed up in their system as paid, confirming this was a duplicate payment made by Cash App, not the merchant.

I contacted Cash App immediately and filed a dispute. However,
I received generic responses that the issue was being reviewed and that Cash App would reach out to the insurance company. Despite clearly providing evidence that the second charge was not authorized, Cash App did not take responsibility and gave me a 45-day review window without further updates or resolution.

Due to the delay, I applied the duplicate payment toward my next insurance bill, but I am filing this complaint because of the poor handling, lack of transparency, and lack of accountability from Cash Apps support team. 

I am not requesting a refund at this point, but I want this documented and addressed so others dont go through the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S. 1681 section 602 A states I have the rights to privacy 15 U.S. 1681 section 604 A states 2 it also states a consumer reporting agency can not furnish account without my written consent introduction.

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 2025-08-14 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:
In accordance with the fair credit reporting act ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S. 1681 section 602 A states I have the rights to privacy 15 U.S. 1681 section 604 A states 2 it also states a consumer reporting agency can not furnish account without my written consent introduction.

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 2025-08-14 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: WA

Complaint narrative:
I have found fraudulent accounts on my credit report, XXXX with the account number XXXX opened on XXXX XXXX XXXX, XXXX XXXX XXXX with the account number XXXX opened on XXXX XXXX XXXX, XXXX XXXX XXXX  with accouht number XXXX opened on XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: WA

Complaint narrative:
I have found fraudulent accounts on my credit report, XXXX with the account number XXXX opened on XXXX XXXX XXXX, XXXX XXXX XXXX with the account number XXXX opened on XXXX XXXX XXXX, XXXXXXXX XXXX XXXX with accouht number XXXX opened on 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 2025-08-14 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:
In accordance with the fair credit reporting act. The list of it accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$460.00} has violated my rights. 

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 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 information : Any other adverse item of information, other than records of convictions and crimes which antedates the report 7 years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I HAVE A CREDIT CARD WITH CAPITAL ONE AND RECENTLY APPLIED FOR ANOTHER XXXX AND I GOT TOLD TO SEND IN ID WHICH I DID AND GOT DENIED. REASON WHY I WAS DENIED BECAUSE " UNABLE TO VERIFY IDNEITY '' WHICH IS BS.. I HAVE A CARD WITH YOU GUYS ALREADY AND WHOMEVER REVIEWED DENIED IT LIED AND XXXX PROFILING BECAUSE I HAVE A CARD WITH YOU GUYS ALREADY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Subject : Notice of FCRA XXXX XXXX XXXX for XXXX XXXX under 15 U.S.C. 1681o Dear Sir or Madam, This letter serves as formal notice that you are reporting inaccurate and/or unverifiable information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

I previously disputed the following accounts, providing sufficient identifying information and documentation to demonstrate that they are inaccurate, the result of identity theft, and/or unverifiable : Fraudulent/Incorrect Accounts : - XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} - XXXX  XXXX Date Opened XXXX XX/XX/XXXX - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - XXXX XXXX XXXX Date Opened : XX/XX/XXXX - XXXX XXXX XXXX Two accounts dated XX/XX/XXXX & XX/XX/XXXX - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} - XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$500.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX - XXXX XXXX XXXX Multiple entries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX One shows {$65.00} - XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX - XXXX XXXX Entries dated XX/XX/XXXX and XX/XX/XXXX XXXX shows {$170.00} - XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - XXXX XXXXREPORTED ( XXXX ) Balance : {$210.00} - Chapter XXXX Bankruptcy Filed XXXX XX/XX/XXXX Your continued reporting of these items after receiving my dispute and supporting evidence constitutes negligent noncompliance under 15 U.S.C. 1681o. This provision holds consumer reporting agencies and furnishers of information liable for actual damages, costs, and attorneys fees when they fail to comply with FCRA requirements due to negligence. 

If these inaccurate and unverifiable items are not deleted within 15 days of your receipt of this notice, I will have no choice but to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General, and initiating a civil action for damages under 15 U.S.C. 1681o. 

Please provide me with : 1. Written confirmation of the deletion of the disputed items from my credit report.

2. An updated copy of my credit report reflecting these changes. 

This is my final attempt to resolve this matter amicably before escalating to legal action. 

Sincerely, XXXX XXXX XXXX Enclosures : - Proof of Identity - Credit Report with Disputed Items Highlighted - Prior Dispute Documentation

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 2025-08-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Subject : Notice of FCRA XXXX XXXX XXXX for XXXX XXXX under 15 U.S.C. 1681o Dear Sir or Madam, This letter serves as formal notice that you are reporting inaccurate and/or unverifiable information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

I previously disputed the following accounts, providing sufficient identifying information and documentation to demonstrate that they are inaccurate, the result of identity theft, and/or unverifiable : Fraudulent/Incorrect Accounts : - XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} - XXXX  XXXX Date Opened XXXX XX/XX/XXXX - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - XXXX XXXX XXXX Date Opened : XX/XX/XXXX - XXXX XXXX XXXX Two accounts dated XX/XX/XXXX & XX/XX/XXXX - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} - XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$500.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX - XXXX XXXX XXXX Multiple entries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX One shows {$65.00} - XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX - XXXX XXXX Entries dated XX/XX/XXXX and XX/XX/XXXX XXXX shows {$170.00} - XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - XXXX XXXXREPORTED ( XXXX ) Balance : {$210.00} - Chapter XXXX Bankruptcy Filed XXXX XX/XX/XXXX Your continued reporting of these items after receiving my dispute and supporting evidence constitutes negligent noncompliance under 15 U.S.C. 1681o. This provision holds consumer reporting agencies and furnishers of information liable for actual damages, costs, and attorneys fees when they fail to comply with FCRA requirements due to negligence. 

If these inaccurate and unverifiable items are not deleted within 15 days of your receipt of this notice, I will have no choice but to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General, and initiating a civil action for damages under 15 U.S.C. 1681o. 

Please provide me with : 1. Written confirmation of the deletion of the disputed items from my credit report.

2. An updated copy of my credit report reflecting these changes. 

This is my final attempt to resolve this matter amicably before escalating to legal action. 

Sincerely, XXXX XXXX XXXX Enclosures : - Proof of Identity - Credit Report with Disputed Items Highlighted - Prior Dispute Documentation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reviewed my credit report on XX/XX/year> and I noticed several inquiries on my credit report that I would like removed. Please take them off as soon as possible.

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 2025-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one did not due an investigation of my report. My account shows that it has been charged off each month from XXXX of XXXX until XXXX of XXXX this report states that it was charged off and still reporting late. This must be removed for all inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized nor benefited from. Please make sure all my information is XXXX XXXX correct. This situation is unfair and my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
Someone has been using my mother 's ( XXXX XXXX XXXX ), my daughter 's ( XXXX XXXX XXXX ) and myself ( XXXX XXXX XXXX ). I found out about this person using of information to open accounts in XX/XX/2024. I called the police and we made police reports. I have been doing dispute with all 3 credit reporting agencies since XX/XX/2024. TransUnion and Equifax refuse to remove the account off my report. I have mailed in copies of police reports, Identity Theft report from Identitytheft.gov. it is amost XXXX XXXX later and i dispute it every time I receive my dispute results back, still it is not removed. Now with all three reporting agencies, my data was breached. I even sent the copy of the breach card from their own companies. The system that is used is not creditable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
My credit report is showing my school loan multiple times. I have XXXX loan for XXXX and another for XXXX total loan balance is XXXX. Experian shows a total balance of XXXX. Same account numbers and balance. I have disputed a couple times but with no indication that someone is actually reviewing the accounts. I need the information corrected. Im not disputing that I owe on the loans. My dispute is the duplicate loan reports.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: NM

Complaint narrative:
In XXXX I took my line and my mother 's and moved us to XXXX leaving my brother in law in the account which I then called with him to customer care to transfer responsibility to him so he may have his own account. They did the transfer giving him his own account and successfully cancelled the account under my name. XXXX months later, I receive a notice on my credit that i have been sent to collections, to my knowledge I did not have any unpaid balances that were not being handled. I call the collection company XXXX Credit Control LLC ) and come to find out it is from XXXX which I was very confused about being that I left in " good standing ''. The collection company offered a settlement for {$800.00}, I informed them I have no knowledge of what the debt is for and they could not inform me anything other than the amount sent to collection ( {$1200.00} ). I called XXXX and they offered insight on the debt, they said a XXXX pro max was added to the cancelled account, which i notified them it was my brother in law but he has his own active account which the equipment should've been added to, rather than my old cancelled account. They refused any resolution/assistance, kept referring me back to the collection agency. To this date I never received any notice on an unpaid balance nor was I contacted trying to receive payment for such equipment. I did not receive a letter in the mail, a call/text, email, NOTHING. I do not have the funds to pay such collection especially when I was improperly billed on a cancelled account, rather than the active one.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Credit score went down because of amount owed on XXXX XXXX XXXX Account has been cleared to {$0.00}. Please adjust credit card as such!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-14 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
While reviewing my credit report, I discovered inquiries that I did not authorize and that are not associated with 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 non-monetary relief
Consumer complaint received 2025-08-14 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:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.code 1681i procedure in case of disputed accuracy, and 15 U.S. code 1681e ( b ) - compliance procedures to assure maximum possible accuracy of the information. I recently reviewed MY credit report and wish to ensure that all the information is 100 % correct and accurate Below are the accounts I am requesting to be reinvestigated : * * Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief