vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: 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 XXXXXXXX XX/XX/XXXX -- {$10000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$20000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Credit Systems International is reporting a XXXX XXXX account with incorrect identifying information ( account number, open/close dates ). I have verified documentation from XXXX proving their data is inaccurate. This account should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: 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 XXXX  {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: MoneyLion Inc.
State: ID

Complaint narrative:
I entered into a Credit Builder Plus loan with MoneyLion on XX/XX/year>, and fully repaid it on XX/XX/year>. According to the agreement, the total reserve amount was to be deposited back into my account within 72 hours of final payment. As of today, no funds have been returned. 

MoneyLion representatives continue to blame a supposed bank issue, even though they successfully withdrew automatic payments from the same account for nine months. Their customer service has been unresponsive, dismissive, and unable to provide any resolution or repayment timeline.

I have filed formal complaints with the Idaho Secretary of State and the XXXX XXXX XXXX. I am requesting immediate repayment of the funds owed and a written explanation for this delay.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I was explicitly assured at account opening that all overdraft fees ( usually in the amount of {$35.00} per occurrence ) would be waived because I am a TD Bank Private Wealth Client. In fact, that was the compelling argument used to persuade me to switch and to become a TD Bank Private Wealth Client. However, in XXXX, TD Bank changed its policy with regard to overdraft fees without informing the clients. As such, it has refused to refund them back to my account. I consider this to be a dishonest, bait and switch tactic, and constitutes a breach of trust and unfair deceptive practice. 

Local banking options are limited due to consolidations by large institutions like TD Bank, leaving consumers vulnerable to unfair practices. 

I have escalated this issue numerous times to my TD Bank XXXX XXXX XXXX Representative ( XXXX ) only to be met with either silence, delay, or a response that said : " refunding overdraft fees to clients was never our practice. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
On XXXXXXXX XXXX I accidentally sent {$400.00} to a XXXX XXXX on cash app I instantly realized it was a mistake and called cash app following the directions to get the refund but the person who I sent it to decline the refund request it wasn't sent in fraudulent I've never done anything fraudulent on my cash app as it shows for itself I then contacted XXXX and tried to dispute it but they ended up declining my dispute then cash app is still telling me it's not anything they can do when this was a honest mistake and I reported it instantly within the proper timeframe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MS

Complaint narrative:
My grandmother purchased a Visa Vanilla Gift card for me around XXXX, XXXX  for an amount of {$300.00}. I contacted Visa Gift Card card activation to activate the card and was informed of an " issue '' with the card. They advised me to send them information regarding the card such as a proof of purchase receipt, my identification and photos of card ( Front/Back ). I also provided my banking statement for proof of address. I promptly responded to their request by providing all of the necessary information. I've attempted to resolve the issue with the card provider by making several calls to customer service but they continue to inform me that their " escalating '' my request. It's been a dreadful 8 months dealing with this issue. I would like my funds to be available or refund my money. This is a fraudulent and unacceptable business practice tactic to avoid releasing my money. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
I am the authorized representative payee for my sons Social Security benefits. Despite providing Comerica Bank ( XXXX XXXX ) with all requested identification and documentation proving my status, they have repeatedly denied me access to my sons benefits. 

Over several weeks ( or months ), I have been subjected to unprofessional treatment and poor communication from Comerica representatives. I have submitted my ID, my sons documents, and verification letters from the Social Security Administration multiple times by email as instructed, yet the account remains locked.

Each time I contact customer service, I am given inconsistent information, placed on long holds, or transferred without resolution. On one occasion, a fraud supervisor confirmed receipt of my documents and told me to resend my birth certificate to a specific email address, which I did immediately. Despite this, no action was taken, and I have received no follow-up communication. 

Because of this mishandling and lack of professionalism, my son has been unable to access his Social Security benefits for essential needs. This situation has caused unnecessary hardship and stress. I am requesting that Comerica immediately review and release the funds, or issue a paper check while resolving the verification issue. 

Their ongoing refusal to release benefits that legally belong to my dependent even after I have proven my representative payee status constitutes abuse of authority, financial neglect, and unprofessional conduct. 

have already opened a new account at XXXX XXXX XXXX XXXX XXXX to receive my sons Social Security benefits directly. The Social Security Administration has confirmed that future payments are being deposited there successfully. 

However, Comerica ( XXXX XXXX ) has still not released or transferred the previous three payments that were deposited before I switched accounts. These funds remain locked, frozen, or withheld without justification, even though I have fully verified my identity and representative payee status multiple times. 

I am requesting that Comerica release those withheld benefits immediately either by depositing them into the new account on file at XXXX XXXX XXXX XXXX XXXX, or by returning the funds to the Social Security Administration so they can be properly reissued to my son. 

These benefits legally belong to my child, and withholding them has caused serious and unnecessary hardship. Because of this situation, my family has suffered extreme financial distress, my son has lost personal property, and we are now attending therapy due to the stress and trauma this dispute has caused. 

All I am asking is for Comerica to act responsibly and ethically by releasing the funds that rightfully belong to my son so we can put this behind us and move forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This is my 12th formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm.

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory 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 2025-10-15 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: WA

Complaint narrative:
This is my 12th formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm.

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory 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 non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: WA

Complaint narrative:
Was sent a cardholder agreement letter for a US Bank XXXX credit card that I didnt apply for. The card was also not included.

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 2025-10-15 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of Birth : [ XX/XX/XXXX ] SSN ( XXXX ) : [ XXXX ] Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Request for Clarification and Deletion Unknown Dispute Result Dear XXXX I am writing to formally follow up on the results of a recent credit dispute regarding an account listed on my credit report. The results provided by XXXX indicate that the status of the disputed account was marked as Unknown. Under the provisions of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ), a consumer reporting agency must delete or correct any item of information that can not be verified as accurate. The designation of Unknown suggests that XXXX or the data furnisher was unable to confirm the validity of the reported information. Therefore, I am requesting the following : 1. A detailed explanation of what Unknown specifically indicates regarding the outcome of my dispute. 2.

Verification documentation from the furnisher of the information, demonstrating that this account was lawfully verified. 3. If no such verification exists, I am requesting the immediate deletion of this account from my TransUnion credit file, in compliance with FCRA Section 611 ( a ) ( 5 ) ( A ). Account Information : -Creditor Name : [ WFBNA AUTO ] - -Reported Status : Unknown Please provide written confirmation of your findings and the actions taken within 15 days of receipt of this letter. Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AL

Complaint narrative:
On the day of XX/XX/year>. I was in the process of managing my accounts thru chime service.and unfortunately my accounts were hacked and deprived me from creating account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: MD

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-15 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: MD

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
On XX/XX/year>, I borrowed {$700.00} from Niswi, LLC d/b/a Lendumo at a disclosed APR of 795 %. I live in New Jersey, where this rate is illegal and Lendumo is not licensed to lend. I have made four payments of {$220.00} each, totaling {$900.00}, which is more than the principal. I revoked ACH authorization and requested account closure at a {$0.00} balance and refund of the {$200.00} overpayment. Lendumo continues attempting to collect under this unlawful loan. Please investigate and assist with refund and account closure

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report even after your investigation. I would like this item to be immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX  /Account Number XXXX In accordance with the Fair Credit Reporting Act Public law 91-506. Title VI, section 611, please provide the names and the business address of each individual with whom you verified the following up above so I can follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
It is crucial to highlight that I have no affiliation with the specified creditors and did not approve this inquiry. Please take swift measures to eliminate it from my credit report. Thank you for promptly addressing this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: Self Financial Inc.
State: TX

Complaint narrative:
The furnisher verified information that is inaccurate and unverifiable, which violates FCRA 623 ( a ) ( 3 ). I am requesting the CFPB to require deletion or full documentation proving accuracy and methods of verification 1st dispute XX/XX/year> XXXX dispute Verified XX/XX/year> 2nd dispute XX/XX/year> XXXX dispute verified XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
Regarding complaint XXXX. 

WHY did you close this complaint? 

Best Buy said they will do a 30 to 60 day investigation??? and in the meantime they want me to keep making payments on an overcharged item. 

Also in their letter, attached to the case, they said they didn't see an issue and I would be responsible for the full amount, so are they investigating or not? 

This is a dispute, how do you get off just closing the case because they say they don't agree ; well I don't agree either. Look for yourself ; I bought a stove at an advertised price, they then charged me a greater amount, and are claiming because the receipt shows a greater amount that I am still responsible? How many people are they robbing right under your nose. Go to the website yourself and add this item to you cart. It is advertised as {$1100.00} ; they say you are saving {$420.00}. Then when you complete the purchase they charge you the full amount of {$1600.00}. I never agreed to that price. 

https : XXXX This is blatantly false advertisement, its shady, and I would have to imagine as false advertisement it would be illegal if intentional. Either way this should be corrected, they should issue a refund of {$420.00} as the item is advertised.

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