vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
Someone sent money over cashapp for goods or services they got the goods or services and then disputed the payment with cashapp they disputed all payments they made to me in a month time frame and cashapp only reversed I believe two payments. One I know 100 % sure for {$330.00} and cashapp never contacted me told me it was being disputed they never got my side of the story and cashapp went into my personal linked bank account to pull this fraudulent money from to pay back the scammer caused me to get an overdraft fee and they tried pulling more from my personal account without my consent. My bank would not help they said i had to go through cashapp then the investigation unit at bank called cashapp and cashapp refused to talk to them cashapp is shady as well and i never authorized them to take that from my bank account. XXXX XXXX XXXX XXXX XXXX  overdraft fee then I filed this information with attached proof and they denied my claim for the lawsuit that was just happening. This has made me spend a lot of time trying to fix it on the phone on internet and in person to my bank and I should be compensated for the amount they took the over draft fee and something for my time like XXXX XXXX because I have to spend so much time to get my money back that they got no consent to take and have back to a scammer my cashapp is XXXX XXXXXXXX so they can research. I could not even get through on phone to them most of the time. They told me go through my bank to fix it but my bank didnt do anything it was all cashapp. I was very upset after filing out and sending supporting documentation I was denied my truthful complaint through cashapp on numerous occasions. Very unfair treatment and poor customer service.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute an erroneous report regarding my XXXX XXXX XXXX XXXX account ( Account Number : XXXX ), which has been inaccurately reflected on my credit report. Specifically, the account shows a " XXXX XXXX '' status with a XXXX late payment entry for XX/XX/XXXX. This report is fundamentally incorrect, as I have consistently made all payments on time and have no record of a missed or late payment for the period in question. It is important to note that under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or incomplete information in my credit report, and I request that the bureau immediately initiate a reinvestigation into this account. The incorrect XXXX late status not only violates my rights under the FCRA, but it also poses a significant negative impact on my credit score and financial reputation, potentially affecting my future ability to secure credit, loans, or favorable interest rates. 
In addition, the " Last Payment Date '' listed as XX/XX/XXXX, is clearly a clerical error. There is no such payment made or planned for that date, and this error appears to stem from a system glitch or misreporting by the creditor. Under the Fair Debt Collection Practices Act ( FDCPA ), creditors are required to report accurate information and refrain from making false or misleading statements regarding payment history. The reporting of a future payment date that does not exist is both misleading and unlawful, creating confusion and unnecessary harm to my creditworthiness. Furthermore, this inaccuracy suggests potential mismanagement of account records, and I ask that the credit bureau promptly correct the information and provide confirmation of any adjustments to the payment history in question. 
Lastly, the balance on this account is listed as {$90.00}, which does not correspond to my understanding of the amount owed. I have thoroughly reviewed my financial records and payment history for this account and have found no justification for the reported balance. As per Section 609 of the FCRA, I am entitled to request that any information on my credit report that is inaccurate or incomplete be corrected. This discrepancy regarding the balance, coupled with the false late payment reporting, further highlights the need for a full and accurate investigation into the account. I request that the credit bureau verify the reported balance, provide evidence supporting this figure, and, if found to be incorrect, update my credit report to reflect the accurate amount owed. If there is no supporting documentation for this balance, I ask that it be corrected from my credit file.

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: 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: AL

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am sending this complaint to formally dispute and request correction of certain account information currently appearing on my consumer credit report. I have taken the time to carefully review my credit file and, in doing so, identified information that I believe does not fully or accurately reflect the true status of my accounts. My purpose in submitting this dispute is to ensure that my credit report presents a complete, fair, and accurate picture of my credit history, consistent with the requirements of the Fair Credit Reporting Act. The accounts listed below are currently reporting late payment notations that do not accurately convey the overall performance, intent, or agreement status of the accounts. Rather, I am requesting correction so that these accounts properly reflect Paid as Agreed, which more accurately represents the relationship between myself and the creditor. 
XXXX XXXX XXXX Balance : {$4400.00} late 30 days XX/XX/XXXX, XX/XX/XXXX CAPITAL XXXX XXXX Balance : {$5700.00} late 30 days XX/XX/XXXX XXXX XXXX Balance : {$34000.00} Under CRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute information that I believe is inaccurate or incomplete, and has the obligation to conduct a reasonable reinvestigation to verify that the information being reported is correct. Additionally, FCRA 623 ( a ) ( 2 ) requires that furnishers of information promptly correct and update information so that it remains accurate and complete, while FCRA 623 ( b ) imposes a duty upon furnishers to conduct a meaningful investigation once a dispute is received. Further protections are provided under 15 U.S. Code 1666 and 1666a, which outline consumers rights related to billing accuracy and place restrictions on creditors from reporting information that may be misleading or not reflective of the true account standing while matters of accuracy are being addressed.

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: 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an items on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt.I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX Balance : {$220.00} Payment Status : Current, was past due 30 days three times XXXX XXXXXXXX XXXX/ Original Creditor : XXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX  XXXX XXXX XXXX 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 2025-12-16 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: IL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My brother bought my two American Express gift cards for my birthday. They have very little information that they can only be used within the United States. American express XXXX  has always been accepted everywhere. Were very upset because I was supposed to be using these for an XXXX  trip and now thats gone. Then I tried to use them on my XXXX and XXXX accounts and they were declined. I have no use for these and its so much money. XXXX is {$1000.00} and the other is {$2700.00}.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I do not recall ever applying for anything on my credit because ive been trying my best to bring my score up a bit also I noticed old accounts date back XXXX that are still popping up on my credit report and my address on file isn't the one stated my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX also i wanted to remove all addresses on file and keep the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX

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 — Check cashing service
Issue: Problem with customer service — 
Company: FIRST MERCHANTS CORPORATION
State: IL

Complaint narrative:
On XX/XX/year>, I attempted to cash two legitimate settlement checks ( {$7500.00} and {$4600.00} ) issued by First Merchants Banks own customer, arising from a wrongful termination and discrimination settlement. 
At the XXXX, IN and XXXX XXXX, IN branches, I provided valid identification, my Social Security card, and endorsed the checks at staffs direction. I repeatedly explained the source of the funds. Despite this, staff refused to verify the checks, repeatedly held internal huddles, declined to run the checks through the check reader, and ultimately refused service without explanation. 
I was then directed to another First Merchants location, where I was denied service because the checks had already been endorsed at the first branch and because the branch claimed it lacked sufficient cash.

At a third First Merchants branch in XXXX, IN, staff immediately followed proper procedures, contacted the check writer, verified the checks, and cashed them without issue in a fraction of the time. This confirms the checks were valid and that the earlier refusals were unnecessary and improper. 
First Merchants CFPB response contains false and incomplete statements, fails to address the lack of verification, inconsistent treatment across branches, and the refusal to explain the denial. I dispute their findings and request corrective action.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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: 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: AL

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX TX XXXX SS # : XXXX XXXX : XX/XX/1978 Consumer Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue

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