vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
I reported two unauthorized transactions in my Cash App account, both for the same amount of {$490.00}, on XX/XX/year>, made to " XXXX XXXX XXXX. '' I submitted a dispute, clearly stating that I did not authorize these transactions. 

Problem : Cash App denied my dispute not because of any evidence that the transactions were legitimate, but because their identity verification system failed to process my photo. The app did not allow me to retry, and I was not given any alternative way to verify my identity, even after I repeatedly requested it. 

In multiple interactions, I asked to speak with a supervisor or manager, but they only responded that someone would contact me. However, I always received the same generic emails with no real help or escalation.

Strangely, Cash App refunded one of the {$490.00} transactions, but not the otherdespite both being for the same amount, on the same day, and from the same merchant. This inconsistency shows a lack of proper review.

After several support chats and emails, my account was permanently closed without resolution. I now have no access to my funds and no way to follow up.

Additionally, I received an email stating that I would get a response to my complaint within 15 business days, but I never received any resolution or follow-up beyond that message. My account email is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against NCB regarding an account I have with them XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : NCB ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1900.00}. 

I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with NCB buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EdFinancial Services
State: SC

Complaint narrative:
XXXX XXXX {$1000.00} Dispute but still showing XXXX XXXX {$1800.00} Dispute but still showing XXXX XXXX {$2100.00} Dispute but still showing XXXX XXXX {$2100.00} Dispute but still showing XXXX XXXX {$3700.00} Dispute but still showing XXXX {$1200.00} Dispute but still showing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX 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 XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX. 

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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: MD

Complaint narrative:
RE : Final Notice of Intent to Sue FCRA Violations, Illegal Reinsertion, Identity Theft, and Ongoing Malicious Reporting To Whom It May Concern, This is your FINAL NOTICE OF INTENT TO SUE. I am notifying you that Experian is in clear, willful, and repeated violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting standards, and identity theft protection laws, and I am preparing legal action for the damage youve caused me. 

You previously REMOVED the fraudulent XXXX XXXX account from my credit report on XX/XX/year>, after I submitted a valid identity theft packet including an FTC Report, drivers license, proof of address, and all supporting documents under FCRA 605B ( 15 U.S.C. 1681c-2 ). Then only THREE DAYS later on XX/XX/year>, you REINSERTED the same account without notifying me, without providing any documentation or method of verification, and without any legal grounds to do so. This is a blatant and knowing violation of FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ).

The account is now being reported as CHARGED OFF for FIVE CONSECUTIVE MONTHS while simultaneously stating NEVER LATE. This is deliberately misleading, factually false, and in direct violation of : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 609 ( a ) ( 1 ) Right to full file disclosure FCRA 611 ( a ) ( 7 ) Right to method of verification FCRA 605B Identity theft blocking requirements FCRA 1681i Duty to reinvestigate disputed information FCRA 1681n Willful noncompliance ( subject to statutory damages ) FCRA 1681o Negligent noncompliance ( subject to actual damages ) Metro 2 Compliance Improper charge-off coding and data reinsertion Your ongoing use of stall tactics, failure to provide supporting documentation, and refusal to correct or delete this fraudulent data is now well past 30 DAYS. I am done playing games. This is not a clerical error this is malicious, negligent, and illegal conduct.

I am also notifying the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) and requesting a full investigation into Experians use of e-OSCAR to reinsert previously deleted identity theft accounts, as well as your participation in misleading reporting. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally request the reinstatement of my accounts which was recently removed or deactivated. 
I do not why these accounts of mine have been removed without my consent. I value the services provided by your platform and would greatly appreciate the opportunity to continue using the account. Please let me know if there are any actions required on my part or documents I must provide to support this request.

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 2025-07-03 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-03 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: IN

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

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00}

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 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: FL

Complaint narrative:
I am filing a formal complaint against Advanced Financial ( XXXX ) for what I believe are predatory and abusive lending practices regarding their revolving line of credit product. 

From XX/XX/XXXX through XX/XX/XXXX, I made XXXX payments totaling {$9600.00}. Of that, only {$2400.00} was applied to principal ( including a {$1400.00} lump sum ). The remaining $ XXXX 75 % was consumed by recurring billing cycle fees and charges that reset monthly and made meaningful progress toward repayment impossible. These payments were timely, consistent, and often {$500.00} or more, yet the structure of the loan ensured I remained trapped in debt. 

This repayment model bears all the hallmarks of predatory lending. After reviewing my complete billing history, its clear that I have repaid the original amount borrowed several times over. What remains on the account is not a true debt but the result of a structurally abusive product that prioritizes profit over consumer fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally request the reinstatement of my accounts which was recently removed or deactivated. 
I do not why these accounts of mine have been removed without my consent. I value the services provided by your platform and would greatly appreciate the opportunity to continue using the account. Please let me know if there are any actions required on my part or documents I must provide to support this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: FL

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 may 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 seven 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 explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Filed a dispute regarding duplicate payments. Filed on XX/XX/XXXX at XXXXXXXX XXXX  Was told by multiple customer service agents as well as their chat service that the temporary credit would be applied by the end of the business day on XX/XX/XXXX. Upon contacting them on XX/XX/XXXX they told me that it wasn't going to be until the end of that day even though I am qualified for it. Was told it will be applied automatically and there is no way to manually adjust this, but then was also told by a supervisor that it is a manual adjustment that is made by their investigation team. I was given misinformation by multiple customer support agents. I was also hung up on by a supervisor because she just didn't feel like dealing with it apparently or something and they didn't try to reach back out to me at all. 

There is no situation in which the temporary credit would not be applied to my account, because they have requested more information from me and have given me a certain amount of time that falls well outside the 10 business days in which they have to complete it or give me the temporary credit. So there is no reason for them not to manually make the adjustment and hold out the money from me because if that's what the whole regulation is supposed to do is make that available to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/year> This formal complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), requesting that Experian immediately block all fraudulent information appearing on my consumer credit report that is the result of identity theft. Under the FCRA, this action must be taken within four ( 4 ) business days upon receipt of this request. 

The following fraudulent collection accounts have been identified as unauthorized and inaccurately reported : Fraudulent Accounts to Be Removed : DEPARTMENT OF EDUCATION XXXX XXXXXXXX XXXX XXXX Balance : {$1600.00} DEPARTMENT OF EDUCATION XXXX XXXXXXXX XXXX XXXX  Balance : {$2200.00} DEPARTMENT OF EDUCATION XXXX XXXXXXXX XXXX XXXX  Balance : {$2200.00} DEPARTMENT OF EDUCATION XXXX XXXXXXXX XXXX XXXX Balance : {$2100.00} DEPARTMENT OF EDUCATION XXXX XXXXXXXX XXXX XXXX Balance : {$1900.00} I have never applied for, authorized, or been associated with these accounts. These items are the direct result of identity theft and fraudulent activity. 

Attached to this complaint are : A copy of my FTC Identity Theft Report ( Report No. XXXX ) A detailed list of the fraudulent accounts In accordance with the FCRA and my rights as a consumer, I am requesting that TransUnion immediately block and remove the listed fraudulent entries and cease all reporting and collection activity related to them. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: Ability Recovery Services, LLC
State: NY

Complaint narrative:
I am filing this complaint regarding a fraudulent collection account being reported by Ability Recovery Services , LLC on behalf of XXXX XXXX XXXX, in the amount of {$1400.00}. The account appeared on my XXXX XXXX XXXX credit reports on XX/XX/year>, despite my timely dispute and identity theft claims. 

I received a debt collection letter from Ability Recovery Services dated XX/XX/year>, stating I had until XX/XX/year> to dispute the debt. I responded in writing prior to that deadline, disputing the validity of the account and stating clearly that it was the result of identity theft. Despite this timely response, the account was reported to the credit bureaus before the expiration of the dispute window, violating the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Furthermore, I submitted a complete identity theft block request under Section 605B of the FCRA, including : An FTC Identity Theft Report A notarized affidavit A copy of my government-issued ID A copy of my Social Security card A recent bank statement showing proof of address Despite meeting all legal documentation requirements for a 605B block, the collection account remains on my credit reports.

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 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I wrote a balance transfer check supplied by citizens bank na to XXXX XXXX XXXX in the amount of {$5000.00}. The check was deposited on XX/XX/XXXX. On XX/XX/XXXX Citizens bank na took back the funds from XXXX XXXX XXXX  claiming they could not verify my signature. I have been doing business with citizens bank na since XXXX, my signature has not changed. I reached out to citizens bank na requesting they resend the funds as I verified it was me that signed the check from them. They refused because the check expired on XX/XX/XXXX, even though they had no problem pulling back the funds in the expired time frame. I am retired and on social security, this has caused me great financial distress. There should be laws to protect consumers from this type of circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
I am formally disputing some incorrect and unauthorized items on my credit report. According to the FCRA ( 15 U.S. Code 1681b ( 2 ) ), my personal data was used without my written consent, and accounts I didnt open are now listed. This could be identity theft under 15 U.S. Code 1681c-2. Im requesting that you look into this and fix these problems right away.

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 2025-07-03 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: NC

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation