vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 youhave 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.

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 2025-12-04 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: NV

Complaint narrative:
I am submitting this complaint because multiple items on my credit reports appear inaccurate, incomplete, or unverifiable. I request that XXXX XXXX, and TransUnion conduct a proper investigation under the FCRA and remove or correct any items that can not be fully verified. 
Charged-Off Accounts I dispute the following charged-off accounts reported by TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$27000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$870.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3900.00} Verification is requested. Any item that can not be verified must be removed. 

Hard Inquiries I dispute the following inquiries as unauthorized or inaccurate : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Verification is requested. Any unverified inquiries must be removed.

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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
Complaint : My name is XXXX XXXX, and I am filing this complaint because Cash App has denied my dispute and appeal regarding several unauthorized transactions on my account. I did not authorize these transactions, and I have clear evidence showing the activity was not done by me. 

I reported the issue to Cash App immediately, and they told me they would investigate. After waiting well over the required time, they denied my dispute without properly addressing any of the evidence I provided. Their decision does not match the facts, and they did not explain how they came to that conclusion. 

Because of this situation, I have been left without access to my own money, and it has caused me serious financial hardship. I rely on this account for my income, and Cash App has not communicated any meaningful updates or solutions. 

I am requesting that the CFPB require Cash App to reopen my case, conduct a proper investigation, and return the funds that were taken from my account without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I was supposed to XXXX XXXX XXXX, this person contacted me pretending to be interested and has yet to respond after all of this went down. They mailed me a fake check to purchase my XXXX for {$4300.00}, I assumed if it was fake they wouldnt accept it but they posted a credit to my account and part of the money was supposed to go to the quote on quote mover agent and they requested that I send the money through XXXX but I could only XXXX them XXXX. The remainder was sent through CashApp. I requested a refund through cash app and included text evidence and proof of the fake check and everything and they denied it and didnt tell me why. I Cashapped the person {$1200.00} and {$500.00}. They mailed me the check from South Carolina. I called the non emergency number and they told me to come to them if cash app denied my claim officially. I sent the money the same day I received the check, XXXX held the money and I called my bank the next day and they told me cash app and XXXX had to do something about it so they denied my claim. The woman on the phone just told me the they werent liable and wasnt helpful. The person went by XXXX XXXX. Ive tried to email cash app and Ive called them multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-04 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
On XXXX XXXX I sent a certified letter with signature of receipt to Aidvantage customer service XXXX department XXXX I requested a complete accounting and validation of my student loan account. The account originated with XXXX XXXX in XXXX. It was sold to XXXX and then to Aidvantage. I have concerns of fraud. I also contacted via phone the fraud department. Every time I call I get told the information has been sent and when I say I have not received it, they continue to say it will be sent. I still do not have the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MI

Complaint narrative:
I am writing to formally dispute the following items on my credit report. These accounts are inaccurately reported and require immediate investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ). The information provided below is separated by each credit bureau. 
I dispute the following items listed on my TransUnion credit report. These accounts are inaccurately reported and require immediate investigation and correction. 

Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$57.00} Inquiries XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX Late Payments XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
This is not a mistake my credit report contains inaccuracies that are not assured to be maximally accurate. These errors are severely impacting me in ways that are unacceptable.

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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: FL

Complaint narrative:
I received a text today about a debt collection from a company I don't have any business with. They did not detail what the debt was for. Here is the message itself : This text is from XXXX XXXX, a debt collector regarding your XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - for which the current creditor is XXXX XXXX XXXX, XXXX ) account. Visit XXXX XXXX XXXX Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose.. SO Ref # XXXX Reply STOP to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Army and Air Force Exchange Service
State: NY

Complaint narrative:
{$2800.00} but XXXX has as {$5600.00} .And lied and said they my credit limit was {$3600.00}. My credit limit was {$3500.00}. Went called to settle for the amount which is {$2800.00} they tried to make me pay the amount I don't owe. I got the card in XXXX  and stop using in XXXX  .they on my credit report the was recent went it's XXXX year every month and will not allow me to pay the amount owe which {$2800.00}. They keep putting it on my credit report every month with interest lying is saying it's the installation loan when it's a credit 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 2025-12-04 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: WI

Complaint narrative:
On XX/XX/XXXX, I used my American Express card through XXXX XXXX  to purchase a vinyl record from XXXX ( amount {$34.00} ). The order confirmation stated : Estimated delivery : up to XXXX weeks and XXXX XXXX. 

The merchant repeatedly told me throughout XXXX that the order was delayed but still would ship. I have an email from XX/XX/XXXX confirming the delay and instructing me to continue waiting. Based on the merchants ongoing assurances, I did not dispute the charge earlier. 

The product has never been delivered. The merchant continues to advertise the item as Backordered XXXX weeks, demonstrating ongoing misrepresentation of availability. 

When I contacted American Express to dispute the charge for non-receipt, they refused, incorrectly citing the XXXX billing-error rule under Regulation Z. This is not a billing error ; it is a failure to deliver goods, which is covered by card network dispute rules allowing exceptions where merchants delay delivery to avoid chargebacks. 

A supervisor opened a dispute manually on XX/XX/XXXX, but American Express automatically closed it within minutes, without reviewing my documents or allowing me to upload proof. 

I am asking the CFPB to require American Express to intervene appropriately for a clear failure-to-deliver case and issue a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 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: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I signed up for a XXXX subscription with XXXX XXXX XXXX I had issues with their products and contacted them about it. Because of these issues, I requested to cancel the XXXX subscription. At that point, I had only used their services for about XXXX weeks. 

On XX/XX/year>, XXXX XXXX told me I would still have access to their services until XX/XX/year>. But when I tried to use their services on XX/XX/XXXX, I was denied access even though they said I would continue to have it. 

I called them several times, but they only offered me a {$53.00} refund, even though I paid {$200.00} in total. I told them I could not accept that since they cut off my access early and did not provide the service I paid for. I paid for a service I could not use, and they refused to honor their own policy or provide the refund I was entitled to. 

After XXXX XXXX refused to refund me, I opened a dispute with my credit card company. They denied my dispute twice, even though I provided proof that I paid for a service I could not use. I asked them multiple times to send me any important details about the dispute, including what the merchant submitted, what evidence they reviewed, and the exact reason for the denial. They never provided any of that detailed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, Re : Dispute of Credit Report Information and Alleged Non-Compliance under Section 1681O of the Fair Credit Reporting Act I am writing to formally dispute the information listed on my credit report, which I believe is inaccurate and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681O. This section pertains to the responsibility of consumer reporting agencies to maintain accurate and complete information, and I believe there has been a negligent failure to comply with the reporting requirements in my case. Details of the Dispute : XXXX  XXXX {$190.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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 not connected to these accounts, and they must be removed within 15 days as required by USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am submitting this complaint as a consumer who is trying to correct inaccuracies appearing on my Equifax credit report. The following accounts and inquiries are being reported incorrectly and require investigation and correction : Charged-Off Accounts in Dispute : XXXX XXXXXXXX Account # XXXX Date : XX/XX/XXXX Amount : {$510.00} I do not believe this account is being accurately reported. Please verify the account balance, date of first delinquency, and charge-off status. 

XXXX XXXX XXXX Account # XXXX Date : XX/XX/XXXX Amount : {$1200.00} This collection account appears to be inaccurate and may be reported in error. Please provide full validation and documentation. 

XXXX XXXX XXXXXXXX XXXX Account # XXXX Date : XX/XX/XXXX Amount : {$1900.00} Requesting verification of account ownership, charge-off date, and amount reported. 

Inquiries in Dispute : XXXXXXXX XXXX  Date : XX/XX/XXXX I do not recall authorizing this inquiry and request verification of permissible purpose under the FCRA. 

Additional Notes : Please also verify that my previous address ( XXXX XXXX XXXX, XXXX, AL XXXX ) and any previous names are accurately listed and not associated with fraudulent or incorrect accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
XXXXXXXX XXXX  is hereby notified of servicing errors and is required to : XXXX. Acknowledge this XXXX within XXXX business days. 
XXXX. XXXX a reasonable investigation. 
XXXX. Provide a complete written response within XXXX business days. 
XXXX. Cure all errors within 10 days. 
XXXX. Suspend adverse action, including foreclosure, during investigation. 
SECTION XXXX IDENTIFIED SERVICING ERRORS ( NORTH CAROLINA XXXX ) XXXX. XXXX Loss Mitigation ( XXXX requirement ) XXXX offered a modification with reduced monthly payments but added : An undisclosed {$3000.00} lumpsum requirement A {$40000.00} balloon payment due in XXXX years These terms were not clearly disclosed and constitute XXXX XXXX XXXX under NC law. 
XXXX. TILA Material Disclosure Violations Balloon Payment Balloon payments must be prominently disclosed under 15 U.S.C. 1638 ( a ). XXXX failed to provide : Clear, bold identification of a balloon payment Written explanation Payment schedule Accurate amortization XXXX. RESPA / Regulation X Violations Errors include : Modification terms inconsistent with borrower income Failure to properly evaluate loss mitigation Dualtracking foreclosure while loss mitigation was pending Mischaracterization of default and payment status XXXX. Misapplication of Payments Payment history shows inaccurate posting of prior payments including those made through XX/XX/year>. 
XXXX. Incorrect Default and Reinstatement Amounts The alleged default, fees, escrow charges, and advances are incorrect, unsupported, and unexplained. 
XXXX. Failure to Provide Proper Foreclosure Notices Required notices under federal law, including denial letters and appeal rights, were not provided.

Company response to consumer: Closed with explanation