vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Summary of Complaint : I was the victim of a sophisticated criminal scheme involving Fraudulent Inducement and Extortion by XXXX XXXX XXXX ( XXXX XXXX ). I transferred funds via Cash App to the scammer. 

Block, Inc. is directly liable for my loss due to its documented systemic failures : Violation of CFPB Order/Weak Protocols : I reference the CFPB 's XX/XX/year> order against Block, Inc. for {$170.00} XXXX. That order found Block, Inc. employed weak security protocols and failed to take timely action to prevent fraud. Their acknowledged system failure directly allowed the criminal activity of my scammer to proliferate on their platform, causing my loss.

Failure to Assist : When I reported this fraud, Cash App 's customer service provided XXXX assistance, stating there was nothing they could do and blaming me for the loss. This mirrors the CFPB 's finding that Block provided inadequate and ineffective customer service ( Source 3.1, 3.2 ).

Requested Remedy : I demand Block, Inc. reimburse me for the full amount of funds transferred to the scammer via their platform and provide a full account of the investigation, as required by the Electronic Fund Transfer Act ( EFTA ) / Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: Activehours
State: WI

Complaint narrative:
On XX/XX/XXXX my checking account was debited by Earnin in 4 transactions for a total of {$370.00}. I had already paid this account off through the debt collection agency XXXX XXXX XXXX. The account was reported as paid on XX/XX/XXXX. I reached out to Earnin 's customer service team and provided the proof of payment to them and asked for the funds to be returned. They refused by saying that repayment can only be done through the Earnin app, which I had not used since XXXX of XXXX. I have filed a dispute through my bank since they were unwilling to even listen to what I had to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: ID Analytics, Inc.
State: PA

Complaint narrative:
In response to the letter from XXXX Case : XXXX. I have attached and labeled all disputed soft inquiries as well as hard inquiries on my credit file. I have labeled all disputed fraudulent accounts and attached the completeand accurate identity theft form that was submitted to each credit furnisher. Along with my Affidavit of Truth and verification of my identity documents. I am prepared to move forward with arbitration if no resolution has been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: HI

Complaint narrative:
I have received letters/calls from XXXX XXXX XXXX as other debt collectors whom XXXX XXXX XXXX supposedly sold my debt and personal information to without authorization and fraudulently Over-inflated collection fees, interest, and a completely inaccurate amount XXXX XXXX XXXX who appears on my credit reports shows an inaccurate amount with inflated interest charges for Oportun Inc as well as adding their companies inflated collection fees and other unnecessary charges of their own to the total amount of {$5700.00} when the amount clearly should be less or charged off if the original creditor, Oportun Inc wrote off the debt and claimed/received tax credit with the IRS XXXX XXXX XXXX XXXX and continues to commit fraud and their collections report on my credit reports DOES NOT accurately reflect the original debt amount and they are using fraudulent business practices in an attempt to collect a debt in addition to charging excessive collection fees on the original debt amount Illegal, Fraudulent, Immoral, and Unethical Business Practices by XXXX XXXX XXXX In addition Oportun Inc should be held accountable for whom they sell someones personal information and should implore better ethical business practices in regards to consumer protection Thank You...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: MD

Complaint narrative:
I had a car loan with US bank car was paid off by insurance i have a missed payment that i try disputing and it got denied the miss payment is in XXXX of 2024 it says Im late 30 to 59 days and that dont add up cause the paid off amount closed the account XX/XX/XXXX of 2024 and my car payment was the XXXX of every month so that would not be 30 days so i shouldnt have any missed payments on my account ive also thought the account closed in XXXX i didnt know it closed in XXXX or i couldve made that payment so it wouldnt of been missed Ive never missed a payment for anything ever please if you can resolve this and get the incorrect missed payment off my account 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 non-monetary relief
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
Upon reviewing my TransUnion consumer disclosure, I identified certain inquiries that were not authorized by me and do not meet the permissible purpose standards under FCRA 604 ( a ). 
The disputed inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 according to the FCRA 15 U.S.C 1681 s-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. These inquiries were not made by me and are indeed inaccurate and fraudulent. I am writing this pursuant of the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. If you do not have any documentation in your files to verify the accuracy of the disputed inquiries, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing it to 3rd parties you are damaging my reputation and creditworthiness. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the inquiries that you are reporting in my credit report. Please dont respond to my request by saying that these inquiries have been verified

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 2025-11-20 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
So I had a credit card a Bank of America and at first you know I was using it for regular things paying it on time always then I had a lot of jobs so I started using it a little bit more and for bigger purchases, but I still was paying it off it was on auto pay. It had always been on auto pay since I opened the account. I put all my accounts on auto pay so I dont have to stress and worry about paying stuff by the due date. It just automatically takes my money so I had it on And one day I decided to look at the account because I never really looked at my credit card account because I knew it was getting paid because it was on auto pay one day. I decided to look at it and my payments that I was making those on auto pay for {$35.00} because when I first opened the account, thats what I said my minimum pay had to be and so it was all these on {$35.00}. I never change that I was never notified that I had to make a higher minimum payment I guess because I was spending more Even though I wasnt spending that much more the credit limit was still relatively low and so basically all of my XXXX payments that I was making for two years maybe maybe a little bit over a year maybe under two years basically they took my XXXX and said every every XXXX payment I made this is not counting and they gave me a fee so I took {$35.00}. Give me a late fee for {$40.00} so its like {$75.00} and still somehow wasnt getting paid. I know of course Im not gon na repay all that money. Why should I have to repay money? Ive paid to me that stuff they stole my money and they want me to pay double or whatever the XXXX and Im not doing that so I never paid the card off. I thought you know what thats it. Im taking it off Auto. Im not paying that card and I went to collections, but I want to get a resolved now because Im a little bit older and now I could defend myself more and figure out how to fix these type of things and my credit is bad now because of this so I need this resolved

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XX/XX/XXXXXX/XX/XXXXr 2025 bill was due approximately on XX/XX/XXXX. I paid it in full on the XX/XX/XXXX (>$1300.00). I received a bill forXX/XX/XXXXdue XX/XX/XXXX. I called TJMaxx/Synchrony Bank to inquiry about this almost XX/XX/XXXXbalance and I was told there was a balance because I only paid less than the minimum inXX/XX/XXXX(accidentally hit XX/XX/XXXX instead ofXX/XX/XXXX. In XX/XX/XXXX, the minimum due was XX/XX/XXXX and I paid XX/XX/XXXX. No late fee. No extra interest other than the regularly accrued amount, no notation about the under payment. In XX/XX/XXXX the minimum due was XX/XX/XXXX. I paid XX/XX/XXXXpaid the account in full which was the total new balance amount as ofXX/XX/XXXX documented on the statement. They received the money on XX/XX/XXXX (due date was XX/XX/XXXX.\nNo additonal notations on the statement. I don\'t know how I owe anything additonal and the explanation given made no sense. Yes, my initial reason for the call to Synchrony was an attempt to waive the almost XX/XX/XXXX but after theXX/XX/XXXXback to back calls, because I was clear on the explanation, and google research, apparently this is a \'scam\' this bank is running on many consumers. \nThe new total balance is the new total balance. When paid in full the balance is XX/XX/XXXX! Also the XX/XX/XXXX is listed on the statement under "total interested charged this period". This period is the last XX/XX/XXXX days NOT from anXX/XX/XXXXaccidental underpayment AND I made the XX/XX/XXXX payment XX/XX/XXXX weeks before the due date. Synchrony Bank made XX/XX/XXXX weeks interest in their bank on my money. XX/XX/XXXX complaints are the same-account paid in full but then consumers still oweXX/XX/XXXX-which over time and no oversight means Sychrony Bank is racking up! The address is TJX REWARDS SYNCB,XX/XX/XXXXXX/XX/XXXX TXXX/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 monetary relief
Consumer complaint received 2025-11-20 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I got a call today ( XX/XX/year> ) at XXXX from a number : ( XXXX ) XXXX XXXX. They told me that there were 2 transactions from my account, one of them being {$2300.00}, and the other being another amount I can not recall. The caller said that they traced the transactions to an IP address in XXXX XXXX, CA. He asked me for an OTP ( one-time passcode ) 3 times, and I gave them. By this point, my account was closed when I tried to log in on the Santander app. He then told me that there was a block on my account for the next 24-48 hours, and that he would call me tomorrow at 12. He asked me if I wanted these people taking money from me to be charged. He also mentioned that they transferred money through a platform called XXXX, and another I forgot the name of. He said his name was XXXX XXXX and that his badge number was XXXX. I checked my email, and I received the following emails. At XXXX today, I added contact info for XXXX XXXX. Then another email confirming that I paid XXXX XXXX {$150.00} at XXXX XXXX. With a linked email being XXXX. Then I got another email saying that my XXXX profile is on hold. All of these emails were from Santander support. I have screenshots of these emails. I also received a text message that I received a deposit of {$2300.00} today at XXXX XXXX, which I have a picture of as well.

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 2025-11-20 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: FL

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-11-20 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: NV

Complaint narrative:
THE INQUIRES FROM XXXX XXXX XXXX XXXXXXXX ON XXXX, XXXXXXXX XXXX XXXX XXXX ON XXXX, XXXX  XXXX ON XXXX, AND XXXX  XXXX  ON XXXX ARE FRAUD INQUIRES AND NEED TO BE REMOVED FROM MY CREDIT FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In response to a letter from XXXX I have added additional documentation to my recent complaint to these third party credit furnishers. I have identified each fraudulent account and all soft inquiries and hard inquiries that are misrepresenting my credit file. I am prepared to moved forward with arbitration if there is no resolution

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 2025-11-20 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: TX

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
In response to a letter from XXXX I have added additional documentation to my recent complaint. I have identified each fraudulent account and all soft inquiries and hard inquiries that are misrepresenting my credit file. I have included verification of my identity. I am prepared to moved forward with arbitration if there is no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In response to a letter from XXXX I have added additional documentation to my recent complaint to these third party credit furnishers. I have identified each fraudulent account and all soft inquiries and hard inquiries that are misrepresenting my credit file. I am prepared to moved forward with arbitration if there is no resolution

Company response to consumer: Closed with explanation