vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
On XX/XX/year>, I made a payment of {$180.00} to XXXX XXXX XXXX via Cash App. I later canceled the order and filed a dispute with Cash App requesting a refund. Cash App denied the dispute, stating that they could not investigate because 15 days had not passed after cancellation. 

However, I previously had a different transaction from the same merchant, under the exact same circumstances, refunded by Cash App. This shows inconsistent handling of disputes for the same merchant and situation. Cash App has not provided proof that the service was delivered or that the merchant resolved the issue ( I never received the product, never heard from the merchant, issue was never resolved ) I have attempted to escalate this issue with Cash App, but they refuse to issue a refund. I am requesting CFPB intervention to ensure a manual review and refund of the {$180.00} transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Capital Services, LLC
State: MI

Complaint narrative:
I requested written validation of the XXXX XXXX XXXX payday loan they are reporting. I asked them to provide proof of ownership, the original loan agreement, and the correct balance. I did not provide personal information over the phone ( SSN, phone number, or loan number ) and requested that all correspondence be sent by mail .On XX/XX/year> at approximately XXXX XXXX, I called Nationwide Capital Services regarding a XXXX XXXX XXXX  payday loan. I requested written validation of the debt, including proof of ownership, the original loan agreement, and the correct balance. During the call, the agent asked for personal information including my Social Security number, phone number, and loan number, which I refused to provide. The manager or management was also unprofessional, making comments such as dont call his phone ratchet. I requested that all correspondence be sent by mail. I am disputing this debt because I have not acknowledged responsibility and the company has not provided verification.I also know that phone calls are recorded for purposes like this

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I must emphasize that this complaint is not an error on my part. 
My credit report contains inaccuracies that do not reflect the highest level of accuracy possible. 
These errors are causing me significant distress and are negatively impacting my life in profound ways that are difficult to fully articulate. 
These are challenging times, and correcting or removing these inaccuracies would provide immense relief and support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
I am disputing several items on my Experian credit report that appear to be inaccurate or unverifiable. 

1. Previous Address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX These addresses are outdated or incorrect. Please remove them from my report. 

2. Charged-Off Accounts XXXX XXXX, Account # : XXXX Date : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX, Account # : ending in XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX, Account # : XXXX Date : XX/XX/XXXX Amount : {$73.00} Please verify these accounts for accuracy, proper reporting dates, and balances. If the data can not be verified, remove these items per FCRA 611. 

3. Inquiries There are several duplicate and excessive hard inquiries from auto lenders that were not authorized or are inaccurately reported : XXXX XXXX ( XXXX on XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please investigate and remove any inquiries that were not authorized by me or appear to be duplicates.

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 2025-12-29 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:
I am submitting this formal complaint regarding continued reporting of inaccurate, unverified, and unauthorized credit information on my consumer credit report. Despite multiple written disputes submitted directly to the credit reporting agencies and furnishers, the disputed items remain unchanged. This complaint represents my third formal attempt to resolve these violations. The failure to properly investigate and correct these errors constitutes ongoing non-compliance with the Fair Credit Reporting Act. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681 ( a ), 1681 ( b ), 1681e ( b ), and 1681i, consumer reporting agencies and data furnishers are legally required to maintain maximum possible accuracy and to conduct a reasonable reinvestigation when information is disputed. These obligations have not been met in my case. 
ACCOUNT IN DISPUTE XXXX Account Number : XXXX High Balance : {$7300.00} Date Opened : XX/XX/XXXX Status Reported : Charge-Off Issue : This account has not been properly validated. No competent evidence has been provided showing my contractual liability, complete payment history, or lawful basis for the charge-off designation. Reporting a charge-off without full verification violates FCRA 1681e ( b ) and 1681i. This item must be deleted or corrected immediately if it can not be fully substantiated. 
ACCOUNT IN DISPUTE XXXX XXXX Account Number : XXXX High Balance : {$18000.00} Date Opened : XX/XX/XXXX Status Reported : Charge-Off Issue : The charge-off status is being reported without proof of accuracy, proper accounting, or documentation demonstrating compliance with FCRA requirements. Repeated failure to correct or delete this inaccurate reporting after prior disputes reflects an unreasonable reinvestigation process. This tradeline must be removed or corrected without further delay. 
UNAUTHORIZED HARD INQUIRIES IN DISPUTE XXXX Inquiry Date : XX/XX/XXXX Issue : I did not authorize this inquiry. No permissible purpose has been provided as required under FCRA 1681b. Unauthorized inquiries are inaccurate and must be deleted. 
The continued presence of these items after repeated disputes demonstrates a pattern of inadequate investigation and disregard for federally protected consumer rights. I am requesting CFPB intervention to require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act by either providing full verification or permanently deleting the disputed items. 
I respectfully request that CFPB review this matter and require immediate corrective action, including deletion or accurate correction of all disputed accounts and inquiries, along with written confirmation of 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 non-monetary relief
Consumer complaint received 2025-12-29 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: AL

Complaint narrative:
I am writing to dispute inaccurate information in my credit report, which I believe does not comply with the Fair Credit Reporting Act ( FCRA ). Below, I have outlined the accounts I am disputing, with specific issues related to each credit bureau. 

Charged Off Accounts : XXXX, XXXX, XX/XX/year>, Balance : {$0.00} Late Payments : 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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
I was contacted on XX/XX/XXXX of XXXX  by Navy Federal telling me that my debit card had been hacked. After canceling the card and filing a fraud claim I thought the situation was resolved. Navy Federal botched the claim. They put two things on the claim that I normally pay for. Upon denial of the claim I saw the two things on there and told them to take them off the claim. They have not. I have resubmitted the claim with the correct information and they still denied the claim. I'm a XXXX veteran and I don't work. This will make me go bankrupt if it continues. this has gone on for over 30 days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 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: Zip Co US Inc.
State: FL

Complaint narrative:
I have a Zip Pay account, which is a buy now, pay later service. Zip Pay initially sent me an email confirming that I would be refunded for a transaction after finding out the website is a scam site, but now they are saying the refund will not be issued. I have contacted them to resolve this issue without success and am requesting assistance from the CFPB to ensure the refund is properly processed. I placed the order XX/XX/XXXX from XXXX XXXX XXXX for {$110.00} but come to find out, that XXXX is a scam. I was emailed the refund approval on XX/XX/year> just to find out that theyre kicking the can and trying not to refund me. The company did technically send something, from XXXX, but it is a very cheap plastic doll and not at all what I ordered. I cant contact the company I ordered from because they are a scam and have no contact information. Their email sends the same response over and over again. I need Zip Pay to be responsible for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/year>, I made an escrow payment of {$460.00} to my fathers mortgage account in my name. I am allowed to do so as his official payer on this account. Wells Fargo will not issue a refund to me for this amount nor make a payment to this account. I asked for a refund or payment since XX/XX/year> until today. I have only been told that they do not issue refunds to account outside of Wells Fargo. They were going to hold onto the funds until I could not make a payment and then apply the funds. Once again after every call made to the bank they refused my requests. 

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 2025-12-29 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: CA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX  - XX/XX/25 - the inquiry was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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 disputing the following accounts listed on my Experian credit report as they do not accurately reflect my credit history. I request that these discrepancies be investigated and corrected accordingly. 

Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-12-29 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: PA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-12-29 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 am a victim of identity theft, someone has used my personal infornation to open up these accounts. Ive never gave anyone permission or authorization to open these accounts without my permission.

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 2025-12-29 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: PA

Complaint narrative:
I am writing as a consumer to dispute and request investigation and correction of inaccurate and/or unverifiable information appearing on my Equifax credit report. 

1. Previous Addresses The following addresses are no longer valid or are inaccurately reported on my file and should be removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX 2. Hard Inquiries The following inquiries were not authorized by me and should be deleted : XXXX ( XX/XX/year> ) XXXX ( XX/XX/year> ) XXXX ( XX/XX/year> ) XXXX ( XX/XX/year> ) 3. Late Payments Please investigate the following accounts reporting late payments. I believe the reporting may be inaccurate, incomplete, or unverifiable : XXXX XXXX XXXX Acct : XXXX XXXX  XXXX Acct : XXXX XXXX  Acct : XXXX Requested Action : Please conduct a full reinvestigation of the above items, correct or delete any inaccurate or unverifiable information, and provide me with an updated copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my ExperianXXXX XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-12-29 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: TX

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau XXXX, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with non-monetary relief