vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
On XXXX XXXX XXXX, I received an email from Cash App stating that my account was permanently deactivated for alleged gambling or other activity that violated the Terms of Service. This claim is false I have never used Cash App for gambling or any prohibited purposes. 

That same day, I contacted Cash App Support through the in-app chat. The representative told me that I would need to wait up to 10 days to see if I could even appeal the decision. I followed all of their instructions and checked back within that time frame, but Cash App never allowed me to file an appeal or provide any documentation to dispute their claim. 

I have been a long-time, responsible user with no policy violations or suspicious activity. I also requested confirmation that no inaccurate or unverified information was shared with Cash Apps FDIC-insured partner banks ( XXXX XXXX XXXX XXXX XXXX XXXX ) or any third-party databases. Cash App refused to provide this information or any detailed explanation for the account closure. 

This situation may also violate federal consumer protection standards, including the Consumer Financial Protection Act ( 12 U.S.C. 5531 ), which prohibits unfair, deceptive, or abusive acts or practices by financial service providers. 

In addition, if any information about my account closure was shared or reported inaccurately to partner banks or third parties, it would fall under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which protects consumers from the reporting of false or misleading financial data. 

I am requesting that the CFPB review this matter under these laws and ensure that my rights as a consumer are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NV

Complaint narrative:
I am submitting to formally dispute several inaccuracies listed on my credit report. These errors include an outdated address, charge-offs that do not accurately reflect my current status, and several inquiries that were made without my consent or a permissible purpose. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that these issues be investigated and corrected promptly. Below are the details of each disputed items, along with my reasoning for their removal or correction. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$9000.00} XXXX  XXXX XXXXXXXX XXXX XXXX Balance {$250.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint because Chase Bank mishandled a fraud case on my personal checking account and then withheld funds from a separate inheritance account that was court-locked and approved through legal orders. 

In XXXX and XXXX XXXX XXXX, scammers skimmed my debit card at a gas station and used it to deposit fake checks and make unauthorized withdrawals. I reported the fraud to Chase immediately and provided evidence, including timestamps and location data, showing that I was not near the ATMs where the transactions occurred. Despite this, Chase denied my claim and refused to accept the evidence I provided. I also requested that Chase review ATM footage and transaction records from their machines, but they declined to assist. As a result, I lost approximately {$13000.00}, which has not been returned. 

I believe the scammers may have deposited fraudulent slips during this period to cover their tracks and close the account while leaving a debt in my name because in XXXX of this year, when I attempted to access my inheritance, Chase withheld {$4300.00} from the fund, effectively forcing me to give up this amount just to access the remainder, since I had no other funds available at the time. After this deduction, I received {$89000.00} from the inheritance. 

The total inheritance was {$93000.00}, and the court had granted petitions and orders authorizing its release. Even with these court orders, Chase refused to release the full inheritance and instead applied part of the funds toward the alleged debt from the earlier fraud. The inheritance account was separate and controlled by the court, so I do not believe Chase had the right to withhold any of it. 

I believe Chase failed to properly investigate my fraud claim, ignored clear evidence showing I was not responsible, and compounded the harm by withholding funds I was legally entitled to. I am requesting that the CFPB investigate how Chase handled this situation, including their denial of my fraud claim, refusal to review ATM footage, posting of additional charges while my account was locked, and withholding of {$4300.00} from the inheritance fund. I have documentation, including court orders, fraud reports, location evidence, and correspondence with Chase to support this complaint. I am seeking the return of the {$13000.00} lost in the initial fraud, the {$4300.00} taken from the inheritance, and confirmation that my account and credit history will not be negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have Ally spending ( checking ) account. as per the promotion - after getting direct deposit of more than $ XXXX - I should have got cash back bonus. I have followed up multiple times with Ally bank but I haven't got the cash back bonus. 
After lots of follow-up finally {$200.00} cash back bonus was awarded. 

I want to close the account, once the account balance is 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 2025-10-30 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

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

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

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

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

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

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
I am requesting that the CFPB enforce corrective action against XXXX XXXX and that the credit bureaus remove this account. This furnisher can not verify the accurate original charge-off date or provide proof of a valid 1099-C. 
Thank you for your time and attention to this matter. Ive sent multiple letters concerning this matter and well be attached.

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 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request that these entries be reviewed, and if they can not be verified, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
I am reporting unauthorized access and loss of {$3900.00} that originated from my FAFSA financial aid funds and was taken through my Cash App account. 

Despite using the Log out of all devices option, several unauthorized devices remain logged in to my account, including XXXX devices I have never used. This indicates a possible session or token exploit that allowed continued access even after I attempted to secure my account. 

The unauthorized user bypassed both my login and withdrawal PINs and withdrew the {$3900.00} that came directly from my FAFSA deposit. I contacted Cash App support multiple times and was given three different case numbers, but they have not resolved the issue. After five days, I was told to wait another ten days because of a problem with the original case. 

I have attached screenshots showing the unauthorized devices and proof of the FAFSA deposit. I am requesting that Cash Apps Fraud and Security Team : Revoke any unauthorized sessions or tokens Secure my account from further compromise Investigate the theft and refund the {$3900.00} that originated from federal financial aid funds Direct any refund or resolution to my new, secure Cash App account I am providing this documentation in good faith and requesting expedited assistance given that these were federal student aid funds. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Cash App Case # : XXXX Police Report # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: CT

Complaint narrative:
I have the company which goes by the name of NCB  XXXX calling me repeatedly when I have told them to stop calling and send any correspondence via mail and they have failed to do so. I have received calls on almost a daily basis and have advised them each time not to call. I would like this resolved and them to send me a statement for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX PA XXXXEquifax Information Services, LLCXXXX XXXX XXXX GA XXXXSubject: Dispute of Inaccurate Information on My Credit Report\n\nDear Equifax,\n\nI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Equifax. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.\n\nDisputed Account DetailsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:\n\n-\tCopy of ID\n-\tSSN\n-\tProof of Address\n\nAccording to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.\n\nRequest for Action:\n1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.\n2. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within five (5) business days, and a final resolution within the legally mandated timeframe.\n3. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.\n\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.\n\nLegal Notice:\n\nPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.\n\nThank you for your prompt attention to this matter. Please send any responses or updates to XXXXSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NV

Complaint narrative:
This company keeps reporting items that has already been removed and refuses to remove accounts that have been proven to be fraudulent. If the companies can not prove with an ID or signature they can not keep adding it as being verified using an address, family member name, etc..... They also refuse to remove inquiry 's that I have specifically asked not to be done. 

They have received an FTC report on all these issues and have refused to remove them. 

I need all this removed from my credit report immediately. Or send me a detailed report and proof of investigation not the generic email and letters. I am requesting exactly how the investigation was done who it went through at the company. Also I am requesting for my investigation to be done with the companies not using another credit company you own such as XXXX XXXX or XXXX. I need to see existing contracts they are basing there verification on. If i can not receive these things these accounts need to be removed. 

These are all things previously removed that you returned or inquires that I am not involved with or did not approve. removing in a timely matter would be appreciated Fraudulent Names XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVES XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX AUTO FIN VIA DEALER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO FIN VIA DEALER XXXX XXXX XXXX STATE SCHOOL 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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was notified of a fraudulent charge which was then removed from my account. When I inquired what other charges occurred that day, there were others that were fraudulent however, Bank of America claims that I made these charges. These were also made the day. They notified me of a fraudulent charge so clearly somebody had my card. They refused to call me back and are refusing to acknowledge the initial fraudulent notification.

Company response to consumer: Closed with explanation