vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing this complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that I believe violate the Consumer Financial Protection Act ( CFPA ). 

On XX/XX/year>, Cash App suddenly froze my account, citing suspicious activity. I attempted to contact them multiple times, but received no meaningful response for two weeks. On or around XX/XX/XXXX, I was informed that a transaction involving the purchase of a XXXX  cigar allegedly triggered their fraud systems. 

Since then, Cash App has refused to respond to my emails or provide any further assistance. I am still locked out of my account, with no access to my funds, and no option to dispute or clarify the flagged transaction. 

Their error resolution process has been both unfair and deceptive, as they have not complied with the requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have left my account vulnerable and unprotected, and have caused significant inconvenience and potential financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX  # XXXX XX/XX/XXXX -- {$14000.00} XXXX, XXXX # XXXX XX/XX/XXXX -- {$7800.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX 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 2025-07-20 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: NY

Complaint narrative:
Hello my payment was applied to incorrect account number by XXXX XXXX late payment was removed at time then reappeared now it has been on my trans union only for 7 years please remove this account thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: NY

Complaint narrative:
Experian is reporting contradictory information reguarding a XXXX XXXX XXXX account-one entry is listed as an open, never - late account, while another is marked as a closed collection account with a past due balance of {$33000.00} ( Account # : XXXX ). This is inaccurate and misleading, I requested verification, but Experian has failed to properly respond. 

Additionally, XXXX XXXX XXXX is reporting a collection for {$470.00} allegedly from XXXX XXXX XXXX ( Account # : XXXX ). I sent a debt validation request per FDCPA subsection 809, and they failed to respond. This item remains on my credit file despite not being validated. 

I request that these inaccurate and unverifiable items be romoved from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: Radius Global Solutions LLC
State: MS

Complaint narrative:
TransUnion allowed Radius Global to put false and fraudulent information on my credit report. Ive never had an account with XXXX XXXX XXXX. Ive never been contacted by Radius Global or XXXX XXXX XXXX regarding an account. I dispute the validity of this debt. This is fraud. And if the debt is valid, it is identity theft. It is fraud. It does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: MS

Complaint narrative:
TransUnion allowed XXXX XXXX to put false and fraudulent information on my credit report. Ive never had an account with XXXX XXXX XXXX. Ive never been contacted by XXXX XXXX or XXXXXXXX XXXX XXXX regarding an account. I dispute the validity of this debt. This is fraud. And if the debt is valid, it is identity theft. It is fraud. It does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I notice how Experian sharing consumer infromation also keep adding negative infromation on credit reportand inaccurate infromation ( These credit cards was file under my bankruptcy ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Credit Limit {$1600.00} Highest Balance {$1100.00} Terms - On Record Until XX/XX/XXXX XXXX  Account Info Account Name XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Credit Limit {$900.00} Highest Balance {$240.00} Terms - On Record Until XX/XX/XXXX XXXX Info Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Credit Limit {$1000.00} Highest Balance {$1400.00} Terms - On Record Until XX/XX/XXXX WITHOUT MY CONSENT XXXX XXXX Account Info Account Name XXXX Account Number XXXX Account Type Rental Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance {$730.00} Highest Balance - Terms 1 Month On Record Until XX/XX/XXXX XXXX Account Info Account Name XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Credit Limit {$3100.00} Highest Balance {$1800.00} Terms - On Record Until XX/XX/XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Real Estate on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage on behalf of XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Real Estate. This inquiry is scheduled to continue on record until XX/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 non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I notice how Experian sharing consumer infromation also keep adding negative infromation on credit reportand inaccurate infromation ( These credit cards was file under my bankruptcy ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Credit Limit {$1600.00} Highest Balance {$1100.00} Terms - On Record Until XX/XX/XXXX XXXX  Account Info Account Name XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Credit Limit {$900.00} Highest Balance {$240.00} Terms - On Record Until XX/XX/XXXX XXXX Info Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Credit Limit {$1000.00} Highest Balance {$1400.00} Terms - On Record Until XX/XX/XXXX WITHOUT MY CONSENT XXXX XXXX Account Info Account Name XXXX Account Number XXXX Account Type Rental Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance {$730.00} Highest Balance - Terms 1 Month On Record Until XX/XX/XXXX XXXX Account Info Account Name XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Credit Limit {$3100.00} Highest Balance {$1800.00} Terms - On Record Until XX/XX/XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Real Estate on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage on behalf of XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
A collections account was placed on my credit report without any communication of what this is or any way to dispute it. This is a sham company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: Cascade CISS Holdings, LLC
State: MN

Complaint narrative:
On XXXX, I allowed XXXX XXXX XXXX XXXX XXXX to pull my credit report while I was shopping for a home equity loan. They pulled my report, but, unbeknownst to me, also allowed a company called Xactus llc and xactus  advantus to do two OTHER PULLS on my credit at the same time. I did not recognize these names when I initially reviewed my report and had to do some investigating. It turns out, mortgage companies sell your info to this company and then they in turn resell it to other companies. I concluded it was XXXX XXXX  because on XXXX  it says XXXXXactus in one line, while on other reports they are listed as three separate pulls. Xactus never sent me a report in the mail as is the law, but XXXX did. I never gave this Xactus company permission to any of my information! I am disputing the pulls from my reports, but it is tedious. I need this step to gain traction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: AL

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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT XXXXXXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX  ACCOUNT NUMBERXXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
b'The recipients of the funds from my account are potential scammers\n\nwire transfer from XXXX XXXX( XXXX XXXX XXXX XXXX XXXX LA XXXX) to chase bank(XXXX XXXX XXXX XXXX XXXX, FL XXXX)\n\ndate               amount            sender acc # XXXX    recipients acc #(Chase bank)\nXXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXXnXXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nI reported to XXXX and XXXX teller sent a request to chase bank for recovering, not guaranteed.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
After several years of perfect payment history and low D to C ratio, I wake up one day and log on to my account to find that ALL 3 card accounts had been closed. No correspondence from the company, no letterNOTHING. When calling to figure out what had happened the service rep tells me the reason is because information they received from XXXX and to contact them, so I did. They tell me to look at my report and if I see anything alarming to let them know because obviously this is the same report Syncrony sees. My report is perfect with nothing out of place and XXXX score. But thats about to be lower since they just took XXXX $ of available credit and years of account age away from me for absolutely NO REASON! I have filed disputes against the decision but the service rep told me they are not able to be reopen and I would need to reapply. What a joke!

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 2025-07-20 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: Global Lending Services LLC
State: IL

Complaint narrative:
my credit has been getting ran with out my consent permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rausch Sturm LLP
State: OK

Complaint narrative:
I paid off a XXXX XXXX  account in full through Rausch Sturm LLP, yet my credit report still shows this as unpaid. I have submitted disputes with documentation multiple times and the credit bureaus continue to ignore it. 

XXXX XXXX XXXX both rejected my dispute and re-reported the same inaccurate data. XXXX portal wont even let me submit without crashing. 

Rausch Sturm claims the matter is out of their hands, even though they were the ones who collected the full payment and directed it to XXXX XXXX Ive been trying to resolve this for a year. 

This isnt just incorrect its harmful. Im being penalized for a debt that was fully resolved, and no one is taking accountability. 

Attached : Letter from Rausch Sturm stating the final payment draft Bank screenshots showing it cleared My original dispute and the rejection letter Please require the furnishers to update or delete this item immediately.

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 2025-07-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Figure Technologies, Inc
State: CO

Complaint narrative:
I am disputing the continued inaccurate credit reporting and lack of response from XXXX XXXX XXXX XXXX XXXX XXXX  ) and Figure Lending related to a charged-off personal loan. 

The loan was officially charged off in XX/XX/XXXX. However, Figure continues to report the loan as past due as of XX/XX/XXXX, which is inaccurate and misleading. This misreporting negatively affects my credit and violates the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a formal {$10000.00} lump sum settlement offer via email to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, requesting a written response by XX/XX/XXXX. I received no acknowledgment. 

On XX/XX/XXXX, I sent a final warning email, stating that I would escalate the matter to regulatory agencies if no response was received. As of XX/XX/XXXX, there has still been no reply. 

I also requested clarification regarding whether XXXX is still servicing the account or if it was returned to Figure, and requested accurate tradeline correction or deletion. No response has been provided. 

I am requesting the CFPBs assistance to : Confirm whether XXXX or Figure is the appropriate party Compel correction or deletion of inaccurate credit reporting Ensure compliance with all debt collection and credit reporting laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-20 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/XXXXXXXX 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