vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I used Rocket Morgage for a VA morgage. I am a XXXX veteran and have applied for homestead exemption for property taxes in Tx. Rocket owes me XXXX dollars since XXXX. They said they sent a check several times. I have received XXXX solicitations for insurance since closing but no check. They said they tried to direct deposit the money into my account. Didnt work for some unknown reason. That account was good enough to receive Ernst money from. Rocket said they have mailed another check on XXXX XXXX Today is the XXXX and nothing yet. I suspect they will keep my money until XXXX  to collect the intrest. My XXXX is nothing but if this is a policy and they do it to XXXX other people its fraud and I want to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain accounts reported inaccurately on my credit report. Below is a detailed breakdown of the accounts I am disputing for each bureau. 

Charged Off XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXXXX/XX/XXXX, {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Toyota Financial Services sold this account to XXXX XXXX XXXX. 

Account XXXX Original Loan {$52000.00} Balance {$19000.00} Purchase date XXXX Repo date XX/XX/XXXX Location : Lexus of XXXX XXXXXXXX XXXX XXXX  Lexus XXXX / XXXX I am disputing an auto loan reporting on my credit as identity theft. An official FTC Identity Theft Report has been filed. 

The original creditor and the third-party collector both state they do not have documentation establishing my liability ( no signed contract or authorization ). Despite this, the account continues to report a balance and is preventing mortgage approval. 

I am requesting written confirmation of non-liability or written confirmation that the debt can not be validated, and correction or deletion from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: VA

Complaint narrative:
I am submitting an update regarding my previous complaints. Cash Apps automated responses indicate that one email address is not monitored and the other only confirms receipt. Neither constitutes a substantive response or resolution to my dispute. 

My Cash App account was compromised through unauthorized access, funds were withdrawn without my authorization, and the fraudster closed my account, preventing in-app support. 

I reported this fraud via phone in a timely manner, but Cash App has not provided a meaningful response, provisional credit, or reimbursement. 

Under the Electronic Fund Transfer Act ( Regulation E ), Cash App is required to investigate promptly and can not delay resolution indefinitely. I am requesting immediate reimbursement of all unauthorized transactions and a clear completion date for their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
The information listed isnt totally right and doesnt show my financial history properly. Im asking for a proper check and correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
XXXX XXXX XXXX has and is currently selling a player vs player skill based money winning app ( see XXXX XXXX  ) named XXXX while both of the companys CEOs ( XXXX XXXX and XXXX XXXX XXXX ) sit in jail and have been there since late XXXX. 

This alarmed me as Ive spent a few XXXX dollars on the XXXX app XXXX and apparently The Enforcement Directorate ( which Ive surmised to be some sort of IXXXX FBI or close enough ) arrested them under the Prevention of Money Laundering Act ( PMLA ). These charges grew in jail Their charges allege ; XXXX ) XXXXXXXX XXXX employed hidden algorithms forcing users to play AI powered bots rather than human opponents ( which is the entire basis of a PvP ( Player vs Player skill game ). Thus ensuring the house always wins, imagine sitting down to a Chess Game for money against XXXX XXXX XXXX ) Generating alleged illicit gains a hair shy of {$20.00} XXXX through these deceptions from XX/XX/XXXX and XX/XX/XXXX. 

XXXX ) Blocking legitimate users from withdrawing their funds, with nearly {$5.00} XXXX XXXX of gamer funds still held by the company. 

So as any rational person would I contacted my bank, Current and filed a dispute on XX/XX/XXXX a Saturday when banks are closed, by the XXXX at XXXXXXXX XXXX my dispute was denied 13 business hours later when they say their average dispute time is about 20 business days or a month. Also all news outlets are saying the company can not be reached for comment, understandable. So I contacted support and was told I could speak to supervisor, who then later admitted they werent a supervisor and I couldnt speak to one, I asked for documentation as to why I was denied and was told to give my email and Id be sent it which I did and it was just a copy of our conversation and when I pointed that out I was told I couldnt have the documents explaining the decision because of federal regulations. I asked what regulations they couldnt explain that, and from my understanding they have to supply you with an explanation when denying a claim and I was told Id have to wait 7-10 business days for this despite it taking 1 business day to decide. I was lied to a littany of times denied managerial support and just absolutely treated like a nuisance when trying to understand how a company who has been arrested for defrauding their customers for {>= $1,000,000} they were able to decide in one day my {$21.00} was not included.

I can gladly send a pdf or forward the email of our conversation.

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
I am not legally tied to these accounts and request their deletion within 15 days per USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Company : American Express Merchant : XXXX XXXX XXXX XXXX XXXX XXXX Complaint text : I am filing a complaint regarding American Expresss refusal to investigate a charge made by XXXX XXXX XXXX due to the 120-day dispute limit.

This charge resulted from deceptive and misleading sales practices at a resort. I attempted to cancel the membership immediately and never used any of the services. I contacted the merchant within days to cancel, but they refused to honor the cancellation.

Although the dispute window has passed, this is a case of misrepresentation and unfair business practices. I am requesting that American Express conduct a courtesy review or billing adjustment and document the deceptive conduct of this merchant, who has a documented pattern of similar complaints. 

I am requesting Amex reconsider this charge outside of the standard dispute timeframe due to the circumstances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-16 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:
These accounts arent associated with me, and I didnt authorize them. Kindly look into this and clear them from my record. Documentation is included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
I am writing to formally dispute inaccuracies on my credit report with the credit bureaus. Below is the detailed information regarding the accounts in dispute. I request that you investigate the discrepancies and make the necessary corrections. 

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
This with fraud and I reported to them and fraud affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: AL

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
Could you review this entry thoroughly? Its late and potentially flawed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records 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 non-monetary relief
Consumer complaint received 2025-12-16 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: AZ

Complaint narrative:
I submitted a complaint a few weeks back for XXXX service being XXXX XXXX to be remedied and service was restored. Then a few days after service was restricted again. I have had the same issue with Cashapp as well as XXXX. I am submitting another complaint to resolve the issue as I have been restricted from use of service to all three without any explanation as to why. Access to XXXX was available on XX/XX/2025 and then restricted on XX/XX/2025 with only XXXX transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
Examine the supplied documents, given the inquiries were unplanned and could be unapproved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: AR

Complaint narrative:
Please take a look at this entryit may be off since it was done late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
Nissan Motor Acceptance Companyis reporting an account on my consumer credit reports that is the direct result of identity theft. I did not authorize, apply for, or benefit from this account. Despite having no permissible purpose under 15 U.S.C. 1681b, the company continues to furnish this inaccurate and fraudulent information. This conduct violates the Fair Credit Reporting Act, including 15 U.S.C. 1681b, 1681c-2, and 1681s-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have no connection to these accounts and request they be deleted within 15 days in compliance with 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 explanation
Consumer complaint received 2025-12-16 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:
I dispute the accuracy of these accounts and request they be removed within 15 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
The account listed is inaccurate and unrelated 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 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Subject : Complaint Regarding Unauthorized XXXX Transaction and Failure to Investigate To Whom It May Concern, I am writing to formally file a consumer fraud complaint regarding an unauthorized transaction on my XXXX  account and XXXX failure to properly investigate or resolve the issue. 

Account Information : Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Summary of the Issue : On XX/XX/year>, an unknown individual gained unauthorized access to my XXXX account and added a bank account that does not belong to me. The bank account added was identified as a XXXX XXXX XXXX account ending in XXXX. I do not have a XXXX  XXXX XXXX account, and I did not authorize the addition of this account to my XXXX  profile. 

On XX/XX/year>, following the unauthorized addition of this bank account, a transfer in the amount of {$1000.00} was initiated and removed from my XXXX  balance without my knowledge or consent. 

This activity was clearly fraudulent. I did not approve the bank account, the transfer, or any related changes to my XXXX  account. 

Attempts to Resolve with XXXX  : I have contacted XXXX  customer support at least five ( 5 ) times to report this fraud and request a proper investigation. Despite clearly explaining that the bank account was not mine and that the transaction was unauthorized, XXXX  has failed to conduct what I believe to be a reasonable or thorough investigation. The funds have not been returned, and I have not received a satisfactory explanation or resolution. 

Reason for Complaint : Unauthorized access to my XXXX account Addition of a bank account that does not belong to me Unauthorized withdrawal of {$1000.00} on XX/XX/year> Failure by XXXX  to adequately investigate or protect my account I respectfully request assistance in formally reviewing this matter, including reimbursement of the unauthorized funds and appropriate corrective action regarding XXXX handling of this incident. 

Thank you for your time and attention to this matter. I am willing to provide any additional documentation or information as needed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CT

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a long time Chase customer. Over the past year I have experienced financial instability and recently incurred several overdraft fees that occurred close together. 

I contacted customer service yesterday and was informed that I had reached my courtesy refund limit and that the fees could not be refunded at this time. During a prior interaction, I was told that my accounts refund eligibility may reset in the future, possibly by XXXX, which is why I am requesting a formal review. 

I understand Chases policies and I am not requesting ongoing refunds. I am requesting a one time courtesy review of these recent overdraft fees. Since this occurred, I have turned off overdraft coverage and set up low balance alerts to prevent this from happening again. I am actively working to stabilize my finances and avoid future overdrafts. 

Thank you for your time and consideration.

Company response to consumer: Closed with monetary relief