vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NY

Complaint narrative:
Ive been a loyal Cash App user for several years, using the platform for everyday, personal transactions with friends and family without any issues. Recently, my account was suddenly closed without warning or explanation. After reaching out to support, I was told that my account violated their Acceptable Use Policy specifically regarding gambling. 

To be transparent, I used my Cash App account to add funds to XXXX approximately XXXX times over a period of time. I had no idea this kind of transaction would be a violation especially considering XXXX is a legal and regulated platform in my state. There were no warnings, no alerts, and no indication that these deposits would cause my account to be closed. If I had known, I absolutely would have avoided it. 

I find it extremely unfair and misleading that after years of using Cash App without a single issue, they would close my account without any opportunity to fix the situation, explain myself, or stop the activity. I received only vague boilerplate messages from support, and all attempts to appeal were ignored or shut down with generic responses. 

Cash Apps lack of communication, transparency, and grace especially for long-term users is unacceptable. I believe a warning or at minimum a clear explanation of the exact transactions that were problematic should have been provided before immediate closure. 

I am requesting that Cash App either : Reinstate my account, or Provide a clear and detailed explanation of the closure and reconsider their decision based on the circumstances and my good-standing usage history. 



Company : Block, Inc. ( Cash App ) Product : Mobile or digital wallet Submitted Issue Category : Problem with a transaction or transferring money Requested Resolution : Account reinstatement or formal review and explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/year>, I sold my XXXX XXXX stock. I should have received {$960.00}. I never received the money from cash app. I can see where cash took out their {$1.00} fee and where the activity for the sold stocks, I don't see where they gave me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TX

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 XXXX 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 XXXX 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 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 2025-07-25 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: TX

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 XXXX 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 XXXX 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 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
bank of america has treated me very unfairly. problem all started when someone send a XXXX  payment to my number which bao claim is fraudulent. the problem is that i didnt do anything wrong. its not my doing. that money was owed to me. i dont know what the other person did. after that bao suspended by XXXX. now im blacklisted by entire XXXX network. bao treated me like a criminal by closing my bank accounts, credit card, disputes etc.... 
this is so unfair. i have send the evidence to XXXX as requested

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
b'PLEASE REMOVE THESE FRAUDULENT ACCOUNTS: XXXX XXXXOpen Date: XXXX XXXX XXXX XXXX Date: XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Assigned: XXXXBalance: XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXDate Assigned: XXXX REMOVE THESE FRAUDULENT INQUIRIES: XXXX XXXX XXXX Department Of EduXXXX XXXX XXXX XXXX XXXX XXXXPLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING: XXXX XXXX XXXX XXXXDATE OPENEDXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
I am a victim of identity theft, which has left me feeling vulnerable and distressed. Fraudulent accounts were opened in my name without my knowledge or consent, causing significant harm to my credit standing. i am determined to take the necessary steps to clear my name, protect my identity, and restore my financial well-being. I kindly request that you please remove these fraudulent accounts from my credit report, as they do not accurately reflect my financial history or responsibility. I appreciate any support and assistance in over coming this unfortunate experience. 
Below are the details of the fraudulent items I am disputing : XXXX XXXX XXXX XXXX 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 2025-07-25 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: NC

Complaint narrative:
XXXX XXXX XXXX DOB : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX Last 4 of SSN : XXXX Email : XXXX Phone : XXXX Date Filed : [ XX/XX/XXXX } ] Report Reference Date : XX/XX/XXXX Nature of Complaint : Type : Credit Reporting Issue : Improper Use of My Report / Inaccurate Information Sub-Issue : Account information incorrect / Debt not owed / Identity theft suspected Bureaus Involved : Experian, TransUnion, Equifax Disputed Accounts : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1000.00} Dispute : Account reflects 90-day delinquency and was closed by grantor. I never authorized this line of credit. There are multiple inconsistencies in reporting timelines, balance utilization, and ownership. This may involve synthetic ID or unauthorized use. 
XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$25000.00} Dispute : This account is currently 60 days past due, though I formally disputed this loan in writing. There is no verifiable proof of contract, payment history accuracy, or compliance with Metro 2 reporting standards. This furnisher failed to update or validate the debt upon notice. 
XXXX. XXXX XXXX Account # : XXXX Balance : {$7200.00} Dispute : This account is charged off and marked with outdated, unverifiable info. 
No payment history, contract, or validation letter has been provided. It appears to be re-aged and non-compliant with FCRA 1681c. 
XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Balance : {$54.00} Dispute : This collection is being reported twice ( as open and charged-off ), violating Metro 2 rules. I never received services from XXXX. No invoice, agreement, or evidence has been submitted despite my request. 
XXXX. XXXX XXXX XXXX ( Collection ) Account # : XXXX Balance : {$1200.00} Dispute : I never signed up for nor received a policy with XXXX XXXX. This appears to be fraudulent or identity theft. Reporting without validation violates FCRA 1681s-2 and FDCPA requirements. 
Violations Cited : FCRA 1681i Failure to conduct a reasonable investigation FCRA 1681s-2 ( b ) Failure to update or correct inaccurate info FCRA 1681c Reporting outdated/incomplete/obsolete data FDCPA 809 Failure to provide debt validation 15 U.S. Code 1681e ( b ) Failure to maintain accurate procedures I request a written investigation summary and validation documentation per FCRA. Failure to resolve these issues will result in legal escalation, including Attorney General involvement and pursuit of statutory damages. 
Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
PLEASE REMOVE THESE 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

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am submitting this complaint because multiple inaccurate and unverifiable accounts are currently being reported on my credit reports, causing significant harm to my creditworthiness, financial opportunities, and peace of mind. Despite my attempts to dispute these items with the credit bureaus and furnishers, they continue to be reported without proper investigation or validation, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The accounts in question are as follows : XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX with a high credit amount of {$15000.00}, reported as a charge-off. I have no knowledge of this debt or any contractual agreement with this creditor. I never received any billing statements or prior communication before this appeared on my report. I have requested verification multiple times, but no adequate documentation has been provided to prove my liability. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX with a balance of {$620.00}, reported as a collection. I was never notified by the original creditor or collection agency about this debt before it appeared on my credit report. I requested debt validation from the collector, but they failed to provide any signed contracts, billing statements, or proof of the debt. This collection is being reported without proper verification. 

The continued reporting of these inaccurate and unverifiable accounts has significantly lowered my credit score, negatively impacted my ability to obtain housing, loans, and fair credit terms, and caused undue emotional and financial distress. 

Under FCRA 611, credit reporting agencies must conduct reasonable reinvestigations upon disputes and must delete any information that can not be verified. Under FDCPA 809, debt collectors are required to validate debts upon request before reporting or collecting them. 

I request that the CFPB investigate this matter and compel both the credit bureaus and furnishers to remove these inaccurate accounts from my credit reports immediately, unless they can provide proper and complete verification consistent with federal law. 

Thank you for your prompt attention to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: IN

Complaint narrative:
I am requesting verification and corrections of multiple items from TransUnion, including unverified collection accounts, charge-offs with {$0.00} balances, and outdated personal information. As of now, they have not provided any verification or removed the inaccurate data from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Capital on credit card opened in XXXX  I did not authorize use or open

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: LA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of * Fraudulent Account -- -DEPTEDXXXX XXXX XXXX {$2400.00} DEPTEDXXXX XXXX XXXX {$4200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-07-25 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: SC

Complaint narrative:
My name is XXXX XXXX. My DOB is XX/XX/XXXX. My Social Security Number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened with XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. A loan account opened with XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX. An auto loan account opened with XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. A credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. An account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX An account opened with XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. 
An account opened with XXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: SC

Complaint narrative:
My name is XXXX XXXX. My DOB is XX/XX/XXXX. My Social Security Number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened with XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. A loan account opened with XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX. An auto loan account opened with XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. A credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. An account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX An account opened with XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. 
An account opened with XXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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