vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: KS

Complaint narrative:
Consumer Name : XXXX 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 Equifax 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 a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX ; and closed on XX/XX/XXXX without my knowledge, a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO 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, 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, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NC

Complaint narrative:
The core problem is that I XXXX XXXX XXXX did not receive my cashapp payment of {$100.00} dollars sent by XXXX XXXX. We contacted Cashapp Customer Service but were unsuccessful in resolving this issue. 

Cashapp Sender : XXXX XXXX ( $ XXXX ) Recipient : XXXX XXXX ( $ XXXX ) Amount : {$100.00} Date : XXXX XXXX, around XXXX. 
I contacted Cash App Customer Service at XXXX and were given instructions to resolve the issue. And the instructions was followed and still no payment of XXXX dollars showing in my cashapp account. Also, XXXX XXXX XXXX contacted Cashapp and were given instructions, but the payment of {$100.00} still not posted to my cashapp account ( treasuresofwisdom ). I am a personal caregiver to XXXX XXXX who is XXXX XXXX XXXX and she pays for helping her. Also, the customer service representatives was unprofessional and showed no concerns towards me at all. Please help me get my money from Cashapp I work hard for it. Thanks, XXXX XXXX XXXX XXXX XX/XX/year> XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: MS

Complaint narrative:
I had my wallet and phone stolen out of my basket at XXXX on XX/XX/year> and you immediately shut my account down, and I was unable to file any disputes so I filed my first complaint of which three transactions were overturned so I then contacted Credit Karma about the rest of the transactions and you guys once again immediately denied the disputes saying it was a duplicate complaint WHICH IT IS NOT! This is THE REST OF THE UNAUTHORIZED TRANSACTIONS THAT INHAD TO WAIT TO FILE UNTIL YOU GUYS WOULD FILE THEM! I REPEAT THIS IS NOT A DUPLICATE COMPLAINT AND I NEED MY MONEY BACK! I am providing a screenshot of the dispute that you guys closed and did not provide my money back for I need the rest of my money for these unauthorized transactions as soon as possible please so I dont have to take further legal action via my attorney against this company! Thanks so much and I will provide the unauthorized transactions where this theif got into my phone got my passwords mXXXX XXXX XXXX, credit karma all my passwords out of my phone and stole all this money from me! My money was supposed to be protected by you guys and it wasnt, now I need my money returned you cant approve 3 of the many unauthorized transactions and then not the rest of them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC Bank continues to use unlawful and deceptive tactics to damage my credit score repeatedly, with repeated charge-offs on the same loan, 7 years after I last made any transaction with them. These deceptive tactics are aimed at prolonging the period by which their charge-off remains on my credit, past the 7 year charging period. 

By acting this way, PNC Bank is keeping me hostage and preventing me from improving my credit score and reaching financial stability. 

I took a car loan of {$28000.00} with PNC Bank on XX/XX/XXXX. My financial situation deteriorated soon after. I never made any other transaction on this account since XX/XX/XXXX. I no longer own the car, PNC Bank repossessed it and it was taken off my name a long time ago. 

Additionally, PNC Bank falsely reported that I made a payment on XX/XX/XXXX. I never did, and I see this fabricated reporting as another tactic of PNC Bank to keep me hostage to their charge-off.

The 7-year charge-off reporting on my credit score was set to expire on XX/XX/XXXX. Yet on the same day, XX/XX/XXXX, PNC Bank reported a new charge-off of {$12000.00} on my credit score. I have no idea where this new charge comes from : I have not made any transaction on this account since XXXX. PNC Bank never communicated the reason for this new {$12000.00} charge-off with me. It is dubious, deceptive and likely illegal. 

It is quite telling that PNC Bank places this new charge-off the very same day the 7-year charge off reporting on my car loan with them was set to expire and taken off my credit score.

I am respectfully requesting that CFPB investigates this case of abuse of PNC Bank customers credit score.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. I looked at my 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed 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. 1681i ( a ) ( 1 ) ( A ) You have the right to dispute inaccurate information, and credit reporting agencies ( CRAs ) must investigate within 30 days. 1681i ( a ) ( 5 ) ( A ) If information can not be verified, it must be deleted. 1681e ( b ) CRAs must ensure maximum possible accuracy in the information they report. " Under 15 U.S. Code 1681i and 1681e ( b ) of the FCRA, I have the right to dispute any information that I believe is inaccurate or unverifiable. If the account in question can not be verified, it must be removed from my credit file. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. I looked at my 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed 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. 1681i ( a ) ( 1 ) ( A ) You have the right to dispute inaccurate information, and credit reporting agencies ( CRAs ) must investigate within 30 days. 1681i ( a ) ( 5 ) ( A ) If information can not be verified, it must be deleted. 1681e ( b ) CRAs must ensure maximum possible accuracy in the information they report. " Under 15 U.S. Code 1681i and 1681e ( b ) of the FCRA, I have the right to dispute any information that I believe is inaccurate or unverifiable. If the account in question can not be verified, it must be removed from my credit file. ''

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 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a XX/XX/XXXXXXXX XXXX veteran receiving SSDI and have full custody of my special needs child. My total monthly income is fixed and limited, and Im experiencing a financial hardship due to high rent, medical costs, and caregiving obligations. 

I contacted the creditor in [ insert month, XXXX. XX/XX/year> ] to request hardship support including a temporary reduction in payments, interest rate relief, or enrollment in a forbearance or protected income program. I provided documentation of my XXXX, SSDI status, and caregiving responsibilities. 

Despite this, I was denied or not given any clear options. The creditor continued to demand full payments, added late fees, and allowed negative reporting to the credit bureaus to continue. 

I am asking the CFPB to investigate and help enforce relief under federal protections for XXXX individuals and XX/XX/XXXX. I am willing to pay what I can afford, but I need assistance that reflects my protected income status and financial reality.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I had tons of cases of fraud. Just trying to get it separated and fixed. They refunded some of my money up the fraud that was federally insured. The bank 's name was synchrony. After collaboration with about 80 customer reps and horrible luck and horrible customer service, they still have yet to fix my interest rates. They charged me illegally for at least 6 months or better that I know of at the moment

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 2025-06-24 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: NJ

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXX/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 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2025-06-24 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: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, FTC REPORT NUMBER : XXXX ( XX/XX/XXXX ) This letter is a formal dispute regarding numerous fraudulent accounts and unauthorized inquiries reported under my name and Social Security Number. I am submitting this dispute in conjunction with a filed report to the Federal Trade Commission ( FTC ) for identity theft and data misuse. 
These accounts and inquiries were not initiated or authorized by me, and their presence on my consumer file violates my federally protected rights under multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Gramm-Leach-Bliley Act ( GLBA ). 
DISPUTED ACCOUNTS XXXX XXXX Account XXXX XXXX XXXX Routing XXXX XXXX XXXXXXXX Account Type : Checking & Savings Incident Date : XX/XX/XXXX Reason : Fraudulent account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX Routing XXXX XXXX XXXXXXXX Reason : Fraudulent account UNAUTHORIZED CREDIT INQUIRIES The following inquiries were made without my knowledge, consent, or written instruction, violating 15 U.S.C. 1681b ( 604 A Section 2 ) : 1. [ Creditor Name ] [ Date ] ( Add here as needed ) LEGAL GROUNDS FOR DISPUTE Under federal law, the accounts and inquiries listed above are in violation of my rights : 15 U.S.C. 1681 Section 602 ( A ) : Right to privacy and accuracy in consumer reporting.

15 U.S.C. 1681b ( 604 A Section 2 ) : No report may be provided without written instruction from the consumer.

15 U.S.C. 6802 ( a ) ( b ) : Financial institutions must provide notice and the right to opt out before disclosing personal information to third parties.

15 U.S.C. 1681c ( a ) ( 5 ) : No report shall contain adverse information more than 7 years old.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Furnishers must not knowingly report inaccurate information.

DEMAND FOR ACTION Accordingly, I demand : 1. Immediate deletion of all the above accounts and inquiries from my credit file.

2. Written confirmation of removal within 30 days from the date of receipt, per FCRA.

3. A full reinvestigation and documentation of how these entries were added to my report.

If these fraudulent and unauthorized items are not removed in a timely manner, I reserve the right to take further legal action. 
Please confirm in writing that these items have been deleted and that my file has been corrected. A copy of my ID and FTC Identity Theft Report is enclosed [ if applicable ]. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: VA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-24 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: CO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief