vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/2025, I had lunch with my mom, XXXX XXXX. We ate XXXX food at a place called XXXXXXXX XXXX  XXXX in XXXX XXXX, FL. She paid and I was to send her my portion ( something we do often ). I usually pay her my portion of things through Cashapp. That is how I paid her for this lunch. I sent a transaction for {$20.00} with a memo that I thought was clever, " XXXX  things. '' I sent it quickly without thinking that'd be an issue. Since then, Cashapp has frozen my account. I can not send funds. I can not refund monies. I can not use my Cashapp debit card. I can not transfer money out of my Cashapp savings into my Cashapp checking. I can not do anything. My account is restricted pending the investigation. I have contacted Cashapp support several times. I keep getting a run around. Nobody can tell me when the investigation will be finalized or when the restriction will be lifted. I am just being told " your complaint has been logged '' " we hope this resolution is satisfactory '' etc. I use my Cashapp account like a bank account. It has most of my money that I have to my name in it. I've saved money for years to get what I have. Now I have no access to my funds. I can't pay my rent, I can't pay people what I owe them, I can't shop for necessities. I can't get through to anyone who will help me get this resolved. My daughter and I depend on that money. Please tell me what I can do. I feel helpless. It's been 10 days. This is beyond unreasonable for a misunderstanding. I have attached screenshots of my chats with Cashapp support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I was not aware of this payment. I am showing on my credit report that I was 120 days past due but i was not aware of this payment plan. When i just registered it asked me if I wanted emails, Ive never received emails, and my credit score went down XXXX points because of this. I am in the process of moving and this hurt my chances of moving for a {$200.00} payment. I would like this taken back and off my credit report. I never received information about it. In addition, these loans are XXXX XXXX XXXX they should be off my credit report ; I have been a single mom for XXXX  years and clearly was not able to afford these payments why is this still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
The reported late payment is an error and contradicts my history of punctual payments. Please update my account to reflect accurate and fair information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been dealing with an ongoing going issue with identity theft since 2020. Somebody is using my social security number and my personal identifiable information to recieve medical care in my name. I belive all my information was leaked on the dark web because data broker websites always notify me that my information is on there. 

Somebody used my information to receive medical care at a XXXX health facility in Florida for the amount of {$510.00}. I haven't been to a hospital in approximately 10 years. This has started to affect my credit and now I can not get access to a mortgage or credit products. I have already submitted a identity theft report with the FTC and a police report as well. If experian refuses to take it off my report, I will have to take legal action.

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 2025-07-15 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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-07-15 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: MA

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/scrub> 2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to formally dispute inaccurate information that has appeared on my TransUnion credit report. According to a recent alert from Transunion, Equifax and XXXX, an account previously closed/deleted from XXXX XXXX XXXX XXXX XXXX XXXX XXXX was reopened on XX/XX/XXXX without prior notice or justification. This account was originally opened on XX/XX/XXXX and had been closed, yet it has now been reinserted into my credit report as an active collection. 

This action appears to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ), which mandates that any deleted information must not be reinserted into a credit report unless the furnisher certifies that the information is accurate and the consumer is notified within five business days. I received no such notice, and there is no record of a valid certification being provided. 

as shown in attachment item were DELETED FROM EXPERIAN BUT WASN'T REMOVED FROM TRANSUNION AND EQUIFAX Account Details : Creditor Name : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date Reopened : XX/XX/XXXX Phone : ( XXXX ) XXXXXXXX XXXX I request that this account be immediately removed from my credit file 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 2025-07-15 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I requested a roll over of my Health Savings Account from HSA Bank XXXX XXXX to XXXX XXXX XXXX. The request was sent to HSA Bank on XX/XX/XXXX. The funds had not been moved as of XX/XX/XXXX. So I called HSA bank on the status. I spoke with XXXX XXXX at HSA bank ( phone : XXXX ). She stated that they failed to process my request and that they would do so immediately. She also stated that funds would be mailed by check by the close of business that day to XXXX XXXX XXXX. 

I contacted XXXX XXXX XXXX to see if the funds arrived on Monday XX/XX/XXXX and they stated that the funds had not arrived. I logged on to my old HSA Bank account to see if the funds were still being reflected on my balances and the account showed {$0.00}. I tried calling XXXX XXXX again and left a voice message asking for the status of my account. She failed to return my call or contact me and appears to be dodging my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NC

Complaint narrative:
Trying to buy a house after I lost my house due to a fire. I have damages on my credit report thats stopping me and my family to having shelter. These negative account is a defamation of character Law 15 U.S.C 1681

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 2025-07-15 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: NJ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm tp my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-15 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Dear CFPB, I am writing to escalate my original complaint against Citizens Bank due to serious concerns about how the matter was handled by their XXXX XXXX XXXX XXXX  following my initial CFPB submission. 



After I filed the complaint, a representative named XXXX from the XXXX XXXX XXXX XXXX contacted me and stated that they had reviewed the call transcript from my initial dispute inquiry. The call took place on XX/XX/XXXX with XXXX at XXXX. During that call, I had asked the Citizens Bank representative the following question : What happens if the merchant doesnt refund you the money? Does the provisional credit become permanent? 

The bank representative responded, Yes, but we have to wait and see for the review to be finalized within 45 days. 

This question was asked in good faith to determine if I could spend the money or not. 

Despite this clear and affirmative answer, the XXXX XXXX XXXX XXXX later claimed that the representatives Yes was not binding because it was followed by the 45-day clause. They used this interpretation to deny my request for a second review and to deny reimbursement of the provisional credit. 



To make matters worse, XXXX from the XXXX XXXX XXXX XXXX representative laughed at me during the call before telling me the outcome of their decision, which I found extremely disrespectful and unprofessional, especially considering this was in response to a federally filed complaint. The call took place on XX/XX/XXXX at XXXX. 

Citizens withdrew the {$1900.00} on XX/XX/XXXX, despite this information provided. I am a XXXX veteran and rely on my monthly fixed income for XXXX needs, groceries, and housing needs and by overdrawing my account they have caused serious damages. 

I believe the response I received from Citizens Bank was misleading and not in good faith. The initial answer from their representative clearly indicated I would retain the credit if the merchant didnt refund the charge. Their subsequent reversal without clear explanationand their dismissive conductdemonstrates mishandling and a lack of proper review. 



Thank you for your continued attention to this matter. I am happy to provide additional details if needed. 



Sincerely, XXXX XXXX Original CFPB Complaint Reference Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}

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 2025-07-15 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I opened an account with a company called XXXX XXXX  like XXXX XXXX ago and paid my account off in full. Now Jefferson Capital Systems XXXX keeps harassing me saying I owe XXXX and that I need to pay this immediately. I immediately told that I paid my account off years ago and nothing has been done. I since then have learned that XXXX XXXX  has went out of business years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-15 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TN

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with explanation