vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app stated that I violated they're policies and closed my cash app account and stated I could not longer use it. I tried telling them that someone had gained access to my account but they still closed it will not let me have my cash app or open a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-30 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : 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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a tax refund check from the IRS for the XXXX  tax year, which I deposited into a Chase Bank account on XX/XX/XXXX. Got a notice that the check was initially on hold until XX/XX/XXXX. The evening of XXXX XXXX got a message from chase fraud department to call them for a concern of froud on the account, called nxt day spoke.with representative that said they going to verify the check and if.its verify lled they will reapess. The funds. XX/XX/XXXX - the funds are now available ; however, the account remains restricted. Upon contacting Chase they informed me they verifed the funding of the check but cant verify issuance. XXXX Representative said They cant verify the check with treasury as they dont have a phone number to call the treasury - spoke with a representative identified as XXXX and said he is a supervisor in fraud department i told him i have an irs letter and i can called the irs , he said informed that they are unable to verify the check with the Treasury and they cant email or call externally, i called the irs and the confirmed every thing is in order on their end. I possess an IRS letter confirming this and have also notified the IRS of the issue. A Chase representative ( XXXX ) indicated that the funds could be held for XXXX years before being released to the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I lost my debit card on vacation in XXXX when I left it in an ATM. Minutes after I realized I lost my card, I froze it on the Wells Fargo XXXX app. The app gives you the option to request a new card immediately, so I did. I did not turn the frozen card back on. Because I never received any fraudulent charges to my account for months, I thought it was resolved. However, on XX/XX/XXXX, I received a charge for {$650.00} for XXXX. I did not see this charge until later in the month, when my bank started sending me text notifications of other suspicious charges for different amounts, also for XXXX. I denied them, but some of them went through. I filed a claim for the one that went through, and in doing so I noticed this {$650.00} charge from about a month prior. I filed a claim for this one as well, and XXXX days later my claim was closed without any follow-up information or any refund to my account. I called asking for follow-up information, and they said there was no evidence to suggest fraud, even though I had only been using a different card since XXXX. They claimed I had never frozen the card, even though I did back in XXXX. I also contacted XXXX and they have no record of any accounts belonging to me that are using my card.

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 2025-10-30 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: MS

Complaint narrative:
XX/XX/2025 The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name is XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following personal information is incorrect - Please delete this from my credit report. 
EMPLOYER - XXXX - The following personal information is incorrect- Please delete this from my credit report. 
EMPLOYER - XXXX XXXX  - The following personal information is incorrect - Please delete this from my credit report. 
Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Thank you

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 2025-10-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX. On XX/XX/year>, I sold my house and then opened a Citibank account with a check. A week later, I went to the bank to write a cash check to pay off another loan, but the bank locked my account. I called the bank to ask why they had locked my account without reason, because I urgently needed the money. However, they couldn't give me a reason. They just passed the buck back and forth like a football, saying I would receive a letter, and then closed my account again within XXXX  days because I urgently need the money to repay my loan.

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 2025-10-30 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: NJ

Complaint narrative:
The account was settled in full, but late payment notations remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the false late payment notations on my accounts violate 15 USC 1666. I have consistently submitted all payments on time, and any errors in this reporting are both improper and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
XX/XX/year> TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : MIDLAND CRED - XXXX - Under 15 USC 1681 s2- Responsibilites of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information. - Please delete immediately.MIDLAND CRED - XXXX - Under 15 USC 1681 s2- Responsibilites of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information. - Please delete immediately. 

I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE. 

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL.

FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT.

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER.

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 

WITHOUT PREJUDICE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I moved out of XXXX XXXX XXXX XXXX in XXXX at the end of XX/XX/year>. On XX/XX/year>, the landlord issued a final balance of {$500.00} for cleaning, repainting, and final utility fees. I disputed the charges in writing on XX/XX/year>, and my attorney sent a formal dispute and verification letter on XX/XX/year>. The landlord provided photos but never any invoices, receipts, or proof that the charges were valid under my lease. 

In XX/XX/year>, the account was placed with XXXX XXXX XXXX XXXX, which began reporting the balance to credit bureaus. I did not receive proper validation before the account appeared on my credit reports. I contacted XXXX XXXX on XX/XX/XXXX and XX/XX/year>, offering payment only if the tradeline would be removed. After believing they had not complied with their obligations under the FDCPA, I withdrew my offer on XX/XX/year>. 

I filed disputes with Experian and XXXX  on XX/XX/year>, explaining that the account represents post-move-out charges, not rent, and that no verification or judgment exists. Experian completed its investigation on XX/XX/year>, and reported that the information meets FCRA requirements, but provided no proof. The account remains on my credit reports. 

The inaccurate credit reporting caused my credit score - and my spouses, who is jointly responsible on the lease- to drop significantly. We were under contract to purchase a home in XX/XX/year> but were unable to proceed due to unfavorable mortgage rates directly linked to the lowered credit scores.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I moved out of XXXX XXXX XXXX XXXX in XXXX at the end of XX/XX/year>. On XX/XX/year>, the landlord issued a final balance of {$500.00} for cleaning, repainting, and final utility fees. I disputed the charges in writing on XX/XX/year>, and my attorney sent a formal dispute and verification letter on XX/XX/year>. The landlord provided photos but never any invoices, receipts, or proof that the charges were valid under my lease. 

In XX/XX/year>, the account was placed with XXXX XXXX XXXX XXXX, which began reporting the balance to credit bureaus. I did not receive proper validation before the account appeared on my credit reports. I contacted XXXX XXXX on XX/XX/XXXX and XX/XX/year>, offering payment only if the tradeline would be removed. After believing they had not complied with their obligations under the FDCPA, I withdrew my offer on XX/XX/year>. 

I filed disputes with XXXX  and TransUnion on XX/XX/year>, explaining that the account represents post-move-out charges, not rent, and that no verification or judgment exists. XXXX  completed its investigation on XX/XX/year>, and reported that the information meets FCRA requirements, but provided no proof. The account remains on my credit reports. 

The inaccurate credit reporting caused my credit score - and my spouses, who is jointly responsible on the lease- to drop significantly. We were under contract to purchase a home in XX/XX/year> but were unable to proceed due to unfavorable mortgage rates directly linked to the lowered credit scores.

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ROBINHOOD MARKETS INC.
State: NH

Complaint narrative:
I got 3 emails showing that I purchased XXXX XXXX XXXX  bars through the points program on my Robinhood credit card. I only had around XXXX points on my card at the time. It shows that I made a combined purchase of {$4400.00} through the 3 transactions. I contacted Robinhood right away and told them I did not want this and this was not approved by me and to cancel the transaction. I have made multiple contacts via email, phone, and text, and I have had them close this card account but they have yet to refund these transactions. I recently got them delivered to me I asked them where to send them for refund. They say they refuse to take them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: SC

Complaint narrative:
What happened? This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: SC

Complaint narrative:
What happened? This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.

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 2025-10-30 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:
My information was exposed in the equifax data breach. I recently reviewed my credit report and noticed that these accounts do not belong to me or is listed under inaccurate personal information that also is not mine. The following accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX The related inquiries as well. Please refer to the uploaded documents for more information!

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 2025-10-30 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: SC

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX I realized I could not transfer funds from my checking to another checking account with chase. So I called chase and they told me my account that was joined with my son that is XXXX is being closed because they are cutting ties but my accounts are fine. 

I asked them why did they not alert me when Im the primary account holder. They then said the check was mailed on XX/XX/XXXX and wait 7-10 days. Waited still nothing. I called back on XX/XX/XXXX the lady told me that nothing had been sent because they half closed the account. So she would transfer me the funds and close the account now and on XX/XX/XXXX XXXX  app will update and remove the one account. That indeed happened on XX/XX/XXXX the funds I received on XX/XX/XXXX was reversed and made my account go negative Amount taken XXXX and XXXX I called today and spoke to XXXX people. None would take accountability and stated I have to wait another 7-10 days XXXX XXXX hung up on me XXXX XXXX tried to help called back after a XXXX hour call stated the check will be sent XX/XX/XXXX I said thats not acceptable I was then transferred to fraud supervisor who yelled and hung up on me. I went to the branch were they set me an appoint for tomorrow and said see if they can help me on the phone because they handle that. Then call back loss prevention where she told me told they sent the first check on XX/XX/XXXX and put a hold it but she not sure why they dropped the ball and she would get me to another supervisor, Then there was XXXX I spoke to who said the funds were sent on XX/XX/XXXX at XXXX I said how when the lady gave me the funds to my active account then the back took it back 2 days later and went a check. I asked why have they been telling the account was closed and they sent the check. Then he said he cant do anything until another 15 days and he will not investigate or pull any calls to confirm what XXXX saying. I told him that I will be reporting him and that I wanted to complain he said there is nothing else he could do. He said he just has a title and supervisor and his manger does not talk to customers and he has no clue what quality does. I got no where and I do not believe I will ever receive my money. This is horrible. The government is shut down and I have to feed my XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Payment was sent to an older XXXX XXXXXXXX account that is no longer around. the payment was cashed. i have spent hours over 6 months trying to get the money back. the bank cant help because they have cashed the check and XXXX XXXXXXXX has been incompentent and will not give me my money back

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