vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also states a consumer reporting agency can not furnish a 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 of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX imade a transaction through cash app for XXXX dollars to my daughter XXXX XXXX. I did not kno I was sending it to her old account she deleted the account. I called cash app support they told me to have her call. Then she was told to have the sponsor call then the sponsor was just told there's nothing they can do since the account doesn't exist. So I call back and was told the transaction was " completed '' and there is nothing they can do. The transaction was still saying pending I have screenshots to prove this. So I call back n tell them it's saying pending so cancel do something. Now on my account it says I " recieved '' the XXXX dollars now I can't dispute the transaction. Calling them on the phone is a joke at this point. This is how i bank normally banks don't just tell you there's nothing you can do or give u the run around about lost funds identity theft type situations. I do not trust Cash app bank I would like my money back for the transaction. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit report contains multiple entries that are inaccurate, incomplete, outdated, inconsistent across bureaus, or unverifiable under the Fair Credit Reporting Act ( FCRA ). Furnishers have failed to provide proper documentation proving the accuracy and completeness of these accounts, late payments, inquiries, and personal identifiers. 

Several items contain : Conflicting dates Inconsistent payment histories Status codes that differ between bureaus Missing required validation Incorrect personal information tied to accounts Reporting beyond compliance Failure to provide supporting evidence as required under FCRA 602 ( A ), 607 ( b ), 609 ( a ) ( 1 ) ( A ), 611, and 623 ( a ) ( 1 ) ( A ). 


These reporting failures create substantial harm, including inaccurate risk assessment, improper scoring impact, and denial of credit opportunities. The bureaus and furnishers are legally obligated to maintain maximum possible accuracy but have not done so.

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 2025-12-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
I have been receiving text and emails from halstead since before XXXX XX/XX/year> I replied to the text STOP and they acknowledged my reply. Yet they continue to send text from different numbers and emails. I still receive at least 6 texts a week and an email just about every day if not twice a day. I have receive 3 emails in past 24 hours. I haven't even uploaded all the text and none of the emails, but I do have them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
* * Capital One Auto Finance misrepresented my auto loan payment at the time of purchase. I was told my payment would be about {$350.00} per month, but Capital One is charging me {$450.00} every week, totaling over {$1100.00} per month. I never agreed to these terms. At the dealership, I had limited cognition due to recovering from a XXXX, and I relied completely on the representatives verbal explanation. I believed him and signed based on what he told me. I was never informed about weekly charges or the true cost of the loan. 

For the last XXXX  months, Capital One has mishandled my payments, reversed funds, and given conflicting information. Their errors caused my account to go negative and prevented me from paying essential bills. A representative hung up on me when I briefly switched calls, and I was later advised not to call back due to repeated mistreatment. 

I am a XXXX customer and depend on accurate communication and stable payments. I am trying to maintain reasonable payments of around {$300.00} per month, but Capital Ones unexpected weekly charges and ongoing errors have made this impossible. Their actions have caused severe financial hardship and confusion. 

I request CFPB investigation, correction of the payment terms, reversal of improper fees, accurate disclosure of the loan terms, and a hardship review due to the financial difficulties caused by Capital Ones actions. * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/year>- Fraudulent money transfer by phone scam after checking account went into overdraft which I have overdraft protection. Scammer had access to my personal info & contacted me via a text with Wells Fargo name on text, Been Wells Fargo customer for over 50 years with multiple accounts. Was never contacted from WF regarding the scam nor any alerts sent regarding scam, I called day after phone transaction to follow up on transaction & was then informed it was scam, Wells Fargo failed to indemnify me & protect my personal information. WF employee informed me that scammers have gotten sophisticated & hard for them to detect fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: CA

Complaint narrative:
Upon reviewing my credit report, I realized that someone has been applying for car loans in my name on numerous occasions, resulting in many hard inquiries, which negatively affects my credit score and prevents me from obtaining any type of credit. Therefore, I request that these inquiries be removed from my credit report. I have contacted the three major credit bureaus explaining the situation, but I have not received any response. I also sent letters by mail attempting to dispute the information, but I have not received a response either. The disputed information includes all the hard inquiries generated during the years XXXX and XXXX, with the exception of the one from XXXX XXXX  in XX/XX/XXXX, which I am fully aware of having authorized.

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 2025-12-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I realized that someone has been applying for car loans in my name on numerous occasions, resulting in many hard inquiries, which negatively affects my credit score and prevents me from obtaining any type of credit. Therefore, I request that these inquiries be removed from my credit report. I have contacted the three major credit bureaus explaining the situation, but I have not received any response. I also sent letters by mail attempting to dispute the information, but I have not received a response either. The disputed information includes all the hard inquiries generated during the years XXXX and XXXX, with the exception of the one from XXXX XXXX  in XX/XX/XXXX, which I am fully aware of having authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: PR

Complaint narrative:
Ive tried to cancel my XXXX subscription for around 4 years and they keep charging my card ( {$35.00} annually every year totalling {$140.00} ). I have disputed with my Citi credit card multiple times and they fabricate documentation ti justify charges as if Im receiving the notices and that I need to reach to them to cancel. 

As I explained to Citi and XXXX, I did not have access to my email address for my university account since I XXXX XXXX XXXX XXXX  ). Thus, I could not have had access to the notification for the subscription renewal only after seeing the charge on my credit card. Everytime this happened I tried disputing charges ( a clear signal I did not want this ) and they kept charging me. This current year was the final straw. 

During last years dispute, I even went ahead and told Citi to just cancel my card number, give me a new one to see the final charge from XXXX. To my amazement this year, the charge same back again. How is it possible they could continue charging my Citi card without an active credit card on file? The card if not mistaken was even expired including my drivers license.Hence, XXXX didnt even have valid informaiton of me to charge nor provide me this service subscription which they gladly kept charging for throughout the years. 

Then during the dispute, its seems like XXXX autogenerated documentation to deceptively create the impression I had received notice of the charge which is not true. The documentation clearly shows a card which is no longer valid this year yet the charge went through successfully. I requested proof I had received the email or accepted the renewal and they just closed my ticket, said they refunded the card ( which they dont have latest on file! ), nor did I hear back on my support ticket ( never receive notice the support ticket was closed ) nor did i get any money back! 

I consider XXXX practices to be clear UDAP violations ( Unfair, Deceptive, or Abusive Acts or Practices ).

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 monetary relief
Consumer complaint received 2025-12-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also states a consumer reporting agency can not furnish a 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 of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: VI

Complaint narrative:
Beginning in late XXXX and XX/XX/year>, I noticed multiple transactions on my account that I did not authorize. These included charges for {$71.00} ( XX/XX/year> ), {$66.00}, {$70.00}, and {$73.00} ( XX/XX/year> ), {$78.00} ( XX/XX/year> ), {$390.00} ( XX/XX/year> ), and {$350.00} ( XX/XX/year> ). 

I did not make these purchases, and I did not give anyone permission to use my card. I contacted Navy Federal immediately when I noticed the transactions and filed fraud claims. Provisional credits were applied while the investigation was in progress.

I was later informed that the claims were denied, with the reasoning that I had authorized or participated in the activity. This is not correct. I did not authorize these transactions, did not recognize the merchants, and did not receive any goods or services from these charges. 

I am requesting a second review because these were unauthorized transactions, and I believe the initial determination was made in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: MI

Complaint narrative:
I am submitting this formal complaint to report the unauthorized use of my personal information and the appearance of accounts and credit inquiries on my credit report that I did not apply for or consent to. These items are inaccurate, fraudulent, and in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). I identified multiple accounts and hard inquiries that I did not authorize, initiate, or consent to. I have reason to believe my personal information was used without my permission. These actions constitute identity theft and inaccurate credit reporting. 
FCRA 602 ( A ) Ensures fair and accurate credit reporting and protects consumer privacy.

FCRA 604 Permits access to consumer reports only with written permission or other permissible purposes, which I did not provide.

FCRA 605B Requires credit bureaus to block information resulting from identity theft once notified by the consumer.

FCRA 609 ( e ) Gives identity theft victims the right to documentation related to fraudulent transactions.

FCRA 611 Requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information.

FCRA 615 Prohibits taking adverse action based on information obtained without proper authorization. 
The presence of these accounts and inquiries is causing financial harm, lowering my credit score, and impacting my ability to obtain credit on fair terms. I have already disputed these items with the credit bureaus, yet they remain on my credit report. I am requesting the CFPBs assistance in ensuring that the credit bureaus comply with federal law and remove the fraudulent information immediately. 
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 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 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, USAA received my initial FCRA dispute identifying multiple inaccurate, inconsistent, and unverified data fields they were reporting, yet they provided no response, no documentation, and made no corrections. Because USAA continued furnishing the same inaccurate information without conducting any meaningful investigation, I sent a second dispute on XX/XX/year>, again requesting original account-level records, the method of verification, and correction or deletion of any unverifiable data. Despite receiving both disputes, USAA still failed to investigate, verify, or correct the inaccurate tradeline, and continued reporting the same false information to all three credit bureaus in violation of their obligations under 15 U.S.C. 1681s-2 ( b ).

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 2025-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
I took out a student loan for grad school and began repayment in XX/XX/XXXX. I achieved 120 months of qualifying employment in an eligible federal facility in XX/XX/XXXX. I requested forbearance buyback because, due to the SAVE program 's mandatory administrative forbearance, at 120 months of qualifying employment, I only had XXXX qualifying payments. I am ill and attempting to retire from federal service, but can not afford to retire until my loan is forgiven. I have sufficient funds to buy the forbearance back if someone would just let me do so. Ive been waiting close to a year, and all XXXX or Mohela will say is that my request is valid and has been escalated ( this was XX/XX/XXXX. ). Now, repayments have forcibly commenced, with my monthly payment nearly three times what it was on SAVE. My XXXX payment Will be extracted on XXXX XXXX, a full year after I applied for forbearance buyback. XXXX XXXX, I need to retire, and XXXX trapped by bureaucracy. Ive begged for resolution from Mohela, my senator, and The White House. Please help.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-07 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 am writing to formally dispute multiple unauthorized account review inquiries on my TransUnion credit report. I did not authorize the following companies or individuals to access my credit file, and their repeated inquiries are suspicious and potentially fraudulent : High-Priority Inquiries : 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 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 XXXXXX/XX/XXXX, outdated, should be removed ) I did not authorize any of these inquiries. Under the Fair Credit Reporting Act ( FCRA ), these unauthorized inquiries must be investigated and removed immediately. I am also notifying you that this may constitute identity theft or fraudulent access to my credit file.

Please provide written confirmation once these inquiries are removed, and take all steps to prevent further unauthorized access.

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 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I opened my bank of America account about a week ago, then I trusted this bank and proceeded to deposit my savings to the bank over a week they decided to close my account for no reason, I tried to contact them and they didn't give me an explanation, my money got stuck there, now I have an emergency and I need part of the money and they say that until next year I will be able to know about my money, so I want to file a complaint because they are supposed to be obliged and it is my right to know why it happened, and I don't have to wait when it's okay for them to return my money.

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 monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
this collections agency failed to provide me with debt validations letter and Under 15 U.S. Code 1692g, debt collectors are required to send a letter within five days of their initial communication. This letter must include : The amount of the debt owed.

The name of the creditor to whom the debt is owed.

A statement that if the consumer disputes the debt within thirty days, collection efforts will cease until the debt is validated so they violated my right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: NY

Complaint narrative:
I am writing to dispute inaccurate information related to a vehicle repossession on my credit report I am requesting an investigation into there following accounts pursuant to the Fair Credit Reporting Act ( FCRA ). Please investigate the following accounts DATE OPENEN : XX/XX/XXXX BALANCE : {$10000.00} DATE UPDATED : XX/XX/XXXX

Company response to consumer: Closed with explanation