vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash App closed my account and blocked me in XX/XX/year>. When I asked why, they just stated that I violated the Terms and Conditions but not specifically what I violated. I dont believe this true and they have not given me any way of disputing this! I tried to open another account as Cash App is the only way I can transfer money to my friends and family, they the closed that account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Monarch Recovery Holdings, Inc.
State: NJ

Complaint narrative:
THE FOLLOWING IS REQUIRED:1. Original signed contract ( original signed contract ) Physical and legible proof of the original contract signed by me, establishing the obligation with the original creditor.2. Full chain of titleAll assignments, allocations, and transfers from the original creditor to your entity, dated and signed.3. Proof that you are the " Holder in Due Course '' According to the Uniform Commercial Code ( UCC ) Articles 3 and 9, you must demonstrate that you have the current legal right to collect, not merely an unsupported assignment.4. Pooling and Servicing Agreement ( PSA ) If this debt has been securitized, the complete PSA and Schedule of Assets identifying specifically the debt you claim to collect are required.5. Detailed itemization of the debtAccording to 12 CFR 1006.34 ( c ) ( 2 ) and the amended FDCPA, it must include : - Original principal amount- Applied interests- Fees, penalties, and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-22 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXXXX/XX/XXXXPhone : ( XXXX ) XXXX Email : XXXX Date : XXXX To Whom It May Concern : I am filing a consumer complaint regarding Capital One Bank ( USA ), N.A. and their marketing practices. 

For at least 10 years, I have received unsolicited credit card offers from Capital One. Recently, I reviewed one of these marketing mailers and noticed that it included an opt-out option. However, when I attempted to use the opt-out process, Capital One required me to provide my Social Security Number ( SSN ). 

This raises serious concerns for the following reasons : I have never provided my SSN to Capital One, as I am not a customer of their bank. 

The opt-out process implies that Capital One already has my SSN on file or requires me to provide it in order to stop unsolicited mail. 

This raises potential issues of my privacy, data security, and consumer protection, as well as possible violations of the Fair Credit Reporting Act ( FCRA ) and consumer privacy laws.

I am requesting that your office investigate Capital Ones marketing and opt-out practices, specifically : Why they are requiring SSNs from non-customers in order to process an opt-out. 

Whether they already have consumer SSNs on file without authorization. 

Whether their practices comply with federal and state consumer protection laws. 

Who has Capital One sold my information to that included my SSN? I never approved nor signed anything to release this information. 
Additionally, I request guidance on how I may permanently opt out of unsolicited credit offers from Capital One and similar companies without having to provide sensitive personal information. 

Please confirm receipt of this complaint and let me know if further documentation is required. 

Thank you for your attention to this matter. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the method of verification under FCRA Section 611 ( a ) ( 6 ) and ( 7 ) for the following accounts : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please provide : A detailed description of the procedure used to verify each item. 
The name, address, and phone number of the furnisher contacted. 
Copies of any documentation used to verify the accounts, including any signed contracts. 
If you fail to respond within XXXX days, I will file a formal complaint with the CFPB and consider legal action under the FCRA. Continued reporting of unverifiable information is a violation of federal 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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-22 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
complaint written to Mr Cooper Loans : 1. First Loan Modification Application ( XXXX ) : Our first application for a loan modification was denied in XXXX, with the reason being that there was no payment received. However, we made the payment online, as per the instructions provided by your company, instead of using the draft method. It appears there was a misunderstanding or miscommunication regarding this payment, but we ensured it was made on time, and this should not have been a reason for denial. 
2. Second Loan Modification Application ( XX/XX/XXXX ) : We reapplied on XX/XX/XXXX, only to receive a denial again on XX/XX/XXXX. This time, the reason given for the denial was lack of proof of ownership. However, we had uploaded the deed for our property to our account on XX/XX/XXXX, which should have fulfilled this requirement. We do not understand why this was not recognized or properly processed. 
3. Third Loan Modification Application ( XX/XX/XXXX ) : On XX/XX/XXXX, we submitted yet another application for modification. We were informed that we would receive a response within 30 days. It has now been well beyond that time frame, and we have yet to receive any update or response regarding the status of our application. 
Throughout this process, we have made numerous calls to your customer service team to express our concerns and ensure that our loan modification is being processed. Despite our efforts, we have not received any clarity or support. Additionally, we had an escalation request opened, but there has been no follow-up or response to that either. 
We feel that we have been patient and diligent in following the steps necessary to complete the loan modification process, yet our concerns continue to be disregarded. We expect to receive a clear and immediate explanation regarding the status of our application and a resolution to the unjustified denials we have faced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: River Financial Inc.
State: UT

Complaint narrative:
I deposited {$1000.00} into my River account. River has since closed my account and confirmed in writing that the funds will be returned to my originating bank account. However, they are refusing to release my money until XX/XX/year>, citing internal policies. 

This is my own original deposit, not trading profits. There is no valid reason to withhold my funds for over a month. I have contacted River multiple times, but they repeat the same response and refuse to expedite the return. 

What I am requesting : I want River to immediately release my funds back to my bank account without waiting until XX/XX/year>. 

Supporting Evidence : River emails ( Ticket # XXXX ) confirming they owe me {$1000.00} but will not return it until XX/XX/year>. 
My bank records showing the original deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: MI

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: GA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2022, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NC

Complaint narrative:
XXXX I have been trying to get the money out of my old account.They have been giving me the runaround.I have verified my identity and sent pictures of my cash app card. They have not been professional and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
I am currently making payments on an auto loan with Bridgecrest for a vehicle purchased from XXXX. Due to the vehicles unsafe condition ( severe rust not disclosed at sale ), I am facing financial hardship. I have requested call recordings and communications from Bridgecrest regarding my loan but have had difficulty obtaining all necessary information. 

I seek assistance to ensure fair treatment and transparency regarding my loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I check my credit report often, every month my scores go from mid XXXX to mid XXXX. I have no delinquent accounts, no judgements, excellent payment history. Yet my scores reflect someone who is irresponsible and has no income. I can say with certainty that the credit reporting agencies are purposely downgrading my scores because I am a XXXX XXXX XXXX Im tired of being XXXX because of the XXXXXXXX XXXX XXXX XXXX. Im sick of the lies and the runaround I get from the agencies and the government. I need people to stop being XXXX XXXX and treat others as XXXX has commanded. I need a grownup who can be objective and do their job the right way. If you cant help people or certain people, own it and tell me straight up. I dont have time for silly games, youre messing with peoples lives. And yes, I truly believe XXXX stole my 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 2025-09-22 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: FL

Complaint narrative:
I check my credit report often, every month my scores go from mid XXXX to mid XXXX. I have no delinquent accounts, no judgements, excellent payment history. Yet my scores reflect someone who is irresponsible and has no income. I can say with certainty that the credit reporting agencies are purposely downgrading my scores because I am a XXXX XXXX XXXX Im tired of being XXXX because of the XXXXXXXX XXXX XXXX XXXX. Im sick of the lies and the runaround I get from the agencies and the government. I need people to stop being XXXX XXXX and treat others as XXXX has commanded. I need a grownup who can be objective and do their job the right way. If you cant help people or certain people, own it and tell me straight up. I dont have time for silly games, youre messing with peoples lives. And yes, I truly believe XXXX stole my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
I had a look at my credit report and notice unauthorized credit inquiries and a fraudulent account open with XXXX XXXX also know as XXXX. Contacted the companies and the credit bureaus but no actions were taking. I was told to file an identity thief report, so I did.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2025, my TransUnion credit report began showing a XXXX XXXX  account as Past Due : {$380.00} 30 Days Late. This is inaccurate because I already paid this account in full, and the current balance is {$0.00}. 
I contacted XXXX XXXX and requested verification and correction, but the account is still being reported as past due. Reporting a late payment on a fully paid account is misleading and violates the Fair Credit Reporting Acts requirement for accurate and complete reporting.

This error has lowered my credit score by XXXX points at a critical moment, as I am in the process of purchasing a home. I am requesting that the account be updated to reflect : Balance : {$0.00} Status : Paid/Closed No delinquency reported If the late payment can not be verified as accurate, it must be deleted from my credit report.

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 2025-09-22 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Citi Card offers promotional balance transfers. I qualified for zero percent for X amount of months. Once the promotional balance ends, if you do not pay it off, the remaining amount is charged interest. 

I used their balance offer of zero interest. I make regular payments. I received a letter in the mail, that they are CHANGING their terms. I have a {$14000.00} balance, If I do not pay if off during the promotional time, I will now have accumulated interest charged to my card at 33 %. So for example if I pay off {$10000.00} but not the remaining {$4500.00} I will have {$4700.00} added to my balance. That is outrageous, the previous interest was $ XXXX  %, which would be {$1100.00} if I took a year on the {$4500.00} remainder. If I decline this offer, payment is due in full now. This is not what I signed up for. My credit is just under XXXX. 

Additional deceitful practice- the account statement now, NO LONGER TELLS me when the promotional balance ends when viewing online. It is on the paper statement. This should be in big, bold lettering as a disclosure. It also only says month and year, no " day '', which makes me nervous. This is 100 % predatory. Be careful. I also suspect this targets WOMEN.

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