vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: WA

Complaint narrative:
I disputed inaccurate credit reporting regarding a XXXX XXXX XXXX account. The account reflects an incorrect balance payment history and charge off status. 

Despite dispute submission the information continues to be reported without proper verification. This appears to violate 15 USC 1681e b reasonable procedures for accuracy and 15 USC 1681s 2 b furnisher investigation requirements. 

I am requesting deletion or correction of any information that can not be fully verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: WA

Complaint narrative:
I disputed inaccurate credit reporting regarding a XXXX XXXX XXXX account. The account reflects an incorrect balance payment history and charge off status. 

Despite dispute submission the information continues to be reported without proper verification. This appears to violate 15 USC 1681e b reasonable procedures for accuracy and 15 USC 1681s 2 b furnisher investigation requirements. 

I am requesting deletion or correction of any information that can not be fully 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 non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank and XXXX XXXX  has lowered my credit limits, I was less than 30 % on my cards. They have lowered it to my balance causing my usage to be over 90 % of the card. This is causing damage to my credit score. I have XXXX cards that has been lowered due to these companies changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/XXXX, Chime sent an email saying my account was restricted for suspicious activity. XXXX XXXXXX/XX/XXXX, I called support and explained and was told I would have to wait for XXXX hours. On XX/XX/XXXX, I got another email saying my account was again restricted. When I called explaining that my account was already restricted and I was told to wait, Support said wait another XXXX hours. On XX/XX/XXXX, I got an email saying my account was closed. When I called Chime support and explained everything again, they said there was nothing they could do to open it up again, and they could not explain why it was closed. Today, on XX/XX/XXXX, I tried to call support and only ask what they could do to get my money back to me. There was close to {$250.00} inside the account, I had gotten a paycheck on the account just days before it closed. They said the can not do anything to send me my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
I am the victim of confirmed identity theft and submitted a valid FTC Identity Theft Report, identification, and a formal written request to block fraudulent accounts under 15 U.S.C. 1681c-2.

Despite receiving all required documentation, Experian refused to block the fraudulent accounts, issuing boilerplate denials that falsely claim the dispute was submitted by an unauthorized third party.

This justification is not recognized under the Fair Credit Reporting Act. The FCRA does not prohibit a consumer from receiving assistance, nor does it allow a CRA to deny a mandatory identity-theft block based on speculation, account history, or prior disputes.

Experian explicitly acknowledged receipt of my fraud documentation yet declined to block the accounts, alleging misrepresentation of material fact without identifying any false statement or contradictory evidence. This constitutes a willful failure to comply with : 15 U.S.C. 1681c-2 ( a ) mandatory blocking of identity-theft information 15 U.S.C. 1681e ( b ) failure to maintain reasonable procedures 15 U.S.C. 1681i ( a ) failure to conduct a reasonable reinvestigation The accounts that remain unlawfully reported are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Each account is listed in my FTC Identity Theft Report and was opened without my authorization. 

The continued reporting of these accounts has caused ongoing financial harm. I am requesting CFPB intervention to compel immediate compliance and to preserve this record for enforcement and civil remedies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/year>, I was approached by three gentlemen on the street of my city, who were trying to raise money for their little brother 's funeral. They had a folder with the information about his death ( pictures, text, etc. ) as well as a sign up sheet that was half full with names and amounts donated. I said I would donate {$5.00}. I did not have cash on me so I said I could pay using XXXX XXXX. They agreed. One of the gentleman pulled up a payment app on his phone and showed me that it said {$5.00}. He then had me touch my phone to his phone to complete the transaction. While this is happening, one of the other gentleman asks me to fill out the sign up sheet with my name and amount donated, along with my email. As I am filling this out, the gentleman processing the transaction lets me know it did not go through an asks to try again. I say sure, and he taps my phone again with his. He says it was a success. They thank me and quickly walk away. As I start walking back down the street to my apartment, I check my XXXX XXXX transactions and see that I was charged {$5000.00} to a PayPal account with the name XXXX XXXX, instead of {$5.00}. I can also see that they tried to charge a second {$5000.00} and were denied because of the daily limit on my card. 

I immediately call XXXX XXXX on my way home. I reach them and report the fraud. They mention that they can see they gentleman tried to charge a second {$5000.00}. They also mention it could take 10 business days to receive a response from XXXX XXXX and that I can track the outcome through my XXXX XXXX app. A handful of days later I receive a call from XXXX XXXX saying they have questions regarding the claim. I call back and they request further information on the fraud. I provide the information and we end the call. The following week, I check my claim and discover it was denied. I received no communication from XXXX XXXX around the denial. On Saturday, XX/XX/XXXX, I call XXXX XXXX to try and get more information around their denial and to ask if there is an appeals process. They say the claims department is closed on Saturday and Sunday and that I need to call them Monday. I submitted a complaint through CFPB and XXXX XXXX once again denied my claim. I did not authorize this charge. I do not know the person who received my money. I have never made a payment to a PayPal account and have never used PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
Can you look this entry over for mistakes? Its possibly inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp.
State: CA

Complaint narrative:
My aunt received an email today, XX/XX/year> at XXXXXXXX XXXX from XXXX stating my name, balance owed, who it was owed to and who now owns the debt which is XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
Can you confirm there are no mistakes in this entry? It may be wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
Please look over the materials carefully ; the questions arrived unexpectedly and may not be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc
State: LA

Complaint narrative:
I am filing this complaint because a debt collection agency Possible Finance # XXXX has continued to contact me regarding an alleged debt even after I sent a formal Cease and Desist Letter under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I clearly requested that they stop all communication with me about this account, but they have continued to call, email, or mail me after receiving my written notice.Their continued communication is a violation of my rights under the FDCPA, which prohibits debt collectors from contacting a consumer after receiving a written request to stop. I am requesting that the CFPB review this matter and ensure the company ceases all contact, removes any false reporting from my credit file if applicable, and complies with all federal collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: PA

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE LATE PAYMENTS REPORTED ARE NOT CORRECT AND DO NOT MATCH MY PAYMENT HISTORY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute unauthorized and/or inaccurate credit inquiries that appear on my credit report. These inquiries were not initiated or authorized by me and are the result of identity theft. 
Enclosed with this letter is a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ), along with supporting documentation. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be investigated and removed from my credit file promptly. 
The following inquiries are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Please complete your investigation within the timeframe required by law and provide written confirmation once the disputed inquiries have been removed. If additional information is required, please contact me in writing at the address listed below. 
Thank you for your prompt attention to this matter. 
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 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: WI

Complaint narrative:
XXXX XXXX  has an interest in a contract between XXXX XXXX XXXX XXXX XXXX XXXX and I, XXXX XXXX. Despite the fact that this contract exists and that this matter is currently in litigation, in Court, XXXX XXXX refused to accept and/or obey the law. I am requesting for XXXX XXXX  to withdraw any effort to repossess XXXX XXXX vehicle in controversy. Pursuit to XXXX  Statute ss XXXX and XXXX Chrysler Capital should refrain from any further actions for repossession of XXXX XXXX vehicle without any waiver of the right to proceed in court regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
XXXX XXXX This correspondence serves as a formal dispute and Cease and Desist notice regarding the following account appearing on my XXXX  credit report : Creditor : Capital One Account Type : Capital One XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I dispute the accuracy and completeness of this account. You are directed to cease all reporting, verification, and communication concerning this account unless you can provide documented proof of its validity and my legal obligation. 

Should XXXX be unable to verify this account with competent evidence, you must delete it from my credit file immediately. 

Failure to comply with this request may result in regulatory complaints and legal action for noncompliance. 

Please provide written confirmation of your findings and any actions taken. 

Sincerely, XXXX XXXX XXXX spring XXXX XXXX, XXXX Spring, XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX FL XXXX Address identification number XXXX on my credit report ive never lived here Address XXXX XXXX  XXXX XXXX XXXX FL XXXX Address identification number XXXX on my credit report but is not a address in the state of florida Address XXXX XXXX XXXX XXXX FL XXXX Address identification number XXXX on my credit report but is not a address in the state of florida Address XXXX XXXX XXXX XXXX FL XXXX Address identification number XXXX ive never lived here in my life XXXX XXXX XXXX XXXX FL XXXX Address identification number XXXX ive never lived here

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NY

Complaint narrative:
THESE INQUIRIES WERE NOT APPROVED BY ME. I DID NOT GIVE PERMISSION AND WAS NOT AWARE OF THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
my card was stolen and my phone and i didnt authorize any purchases and one pay not helping

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
Hi, I have a XXXX XXXX credit card charge off which has stayed on my Equifax credit report longer than allowed by law. It was supposed to have been removed in XXXX of XXXX. Both XXXX  and XXXX  already removed this account from my credit report months ago. Ive filed multiple disputes about this with Equifax and I dont feel these were properly investigated. I contacted Equifax multiple times and I feel that my concerns were dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/year>, a charge of {$530.00} was made by XXXX to my USAA credit card. I did not authorize this charge. I did not notice this charge right away. When I became aware of it, I reported this fraudulent charge to USAA approximately XXXX weeks later. USAA contacted XXXX, which told them the charge was authorized, and USAA then denied my claim of fraud. There are other charges on my USAA card totaling almost {$1200.00} that were also made to XXXX. I did not authorize any of these charges either. I have never changed anything to XXXX. USAA is currently investigating these additional charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I have been calling Santander consumer since XX/XX/year> about getting a certified copy of my title so I can register my car in XXXX XXXXXXXX as it is now registered in XXXX XXXX. They keep on giving me the runaround of what I need when the DMV made it clear to me that I need a certified copy of my title. I asked them several times for a certified copy of my title. They told me it takes XXXX business days and yet here we are almost doubled the amount of time and I still do not have it and they still are giving me excuses in addition, I always get somebody who barely speaks English.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
On XX/XX/XXXX sent {$300.00} to XXXX XXXX who has not received it to this date. I called Cash App and they told me I needed his old phone number used and he needed to contact them. When he provided the old phone number and contacted them, they told him I needed to contact them again. We have tried to recover the {$300.00} since XX/XX/XXXX and have been given the run around but not my money. XXXX opened a new Cash App card and was told the money is there but they have failed to refund me the {$300.00} to my XXXX ACCOUNT. I have attempted to resolve the problem XXXXtimes and XXXX XXXX times, but they wont refund the money. Please help, and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MT

Complaint narrative:
Between approximately XX/XX/year> and XX/XX/year>, multiple Cash App transactions occurred that resulted in the loss of funds totaling approximately {$2000.00}. After discovering the issue, I contacted Cash App to dispute the transactions and request assistance. 

I requested transaction records, confirmation of authorization, recipient details, and an explanation of why the funds were transferred. I also requested correction of the transactions and return of the funds. 

Cash App denied the refund request, denied providing the requested transaction documentation or explanation, and closed my account before the dispute was resolved, preventing further access to records needed to understand or challenge the transactions. 

Despite repeated efforts to resolve the issue directly with Cash App, the dispute remains unresolved. The funds have not been returned, no documentation has been provided, and the account closure effectively ended my ability to pursue resolution through Cash Apps internal process.

Company response to consumer: Closed with explanation