vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MI

Complaint narrative:
I purchased a new card for {$5.00} after the card came was not able to activate the card. I reached out to customer service and I was told that it was because I never deactivated my old card even though I only ordered the card through the app because they told me my other card was expiring Then come to find out. I cant even activate the card at all and also I can not order a new card because they are saying I abused dispute policies however Ive only had XXXX disputes on this account at least 6 months ago. I have a burrow limit of {$300.00} and I always pay back my money on time so Ive never had any issues with them. But yet they charged me for a card that I can not use nor activate and they also will not let me order a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On my credit reports. The original creditor XXXX/comenity capital bank. And debt collector XXXXXXXX XXXX XXXX. Have both reported incorrect info on my credit reports to the credit bureaus. The date of first delinquency is incorrect. XXXX reports on XXXX  XX/XX/XXXX. But I have the original invoices from XXXX. There was a payment made on XX/XX/XXXX and there is not another payment made til XX/XX/XXXX. And account was opened XX/XX/XXXX. But my records only go back til XX/XX/XXXX. So there could be even earlier delinquency. I disputed with credit bureaus but they just say no changes have been made. Just taking there word. I would like the delinquency date on all XXXX credit bureaus changed. They are credit aging my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: MI

Complaint narrative:
I SENT EXPERIAN A Method of Verification ( FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) & XXXX ( a ) ( XXXX ) ) LETTER according to the law they were supposed to supply me with this information I sent them the complaint on the XXXX of XXXX and it came back updated without any changes this account continues to report inaccurate after several attempts to rectify also I asked for Description of Reinvestigation Procedures ( FCRA XXXX ( a ) ( XXXX ) ) did not receive that neither at this point Experian is up to their old tricks again saying they are investigating but are not I am promised 100 % accuracy and I am not receiving that. We can tell from the data breaches that they don't and will not follow the law.

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 2025-09-27 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: MI

Complaint narrative:
I SENT EXPERIAN A Method of Verification ( FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) & XXXX ( a ) ( XXXX ) ) LETTER according to the law they were supposed to supply me with this information I sent them the complaint on the XXXX of XXXX and it came back updated without any changes this account continues to report inaccurate after several attempts to rectify also I asked for Description of Reinvestigation Procedures ( FCRA XXXX ( a ) ( XXXX ) ) did not receive that neither at this point Experian is up to their old tricks again saying they are investigating but are not I am promised 100 % accuracy and I am not receiving that. We can tell from the data breaches that they don't and will not follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On my credit reports. The original creditor zales/comenity capital bank. And debt collector midland credit management. Have both reported incorrect info on my credit reports to the credit bureaus. The date of first delinquency is incorrect. XXXX reports on XXXX  XX/XX/XXXX. But I have the original invoices from XXXX. There was a payment made on XX/XX/XXXX and there is not another payment made til XX/XX/XXXX. And account was opened XX/XX/XXXX. But my records only go back til XX/XX/XXXX. So there could be even earlier delinquency. I disputed with credit bureaus but they just say no changes have been made. Just taking there word. I would like the delinquency date on all XXXX credit bureaus changed. They are credit aging my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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 have reported and disputed this information been reported on my credit report that is violation of the fair cusumer law for inaccurate information on my credit report and for used my information incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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 have reported and disputed this information been reported on my credit report that is violation of the fair cusumer law for inaccurate information on my credit report and for used my information incorrect.

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 2025-09-27 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/year> seven charges from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amounting in XXXX XXXXXXXX XXXX XXXX XXXX XXXX  The following day when I woke up saw these charges that I obviously did not make reported it to RBFCU. They didn't offer me temporary credit, the instead let me know that it would be 60-90 days before I would even get a resoultion. I did not agree with that, I would call once a week from then on trying to get more clarity on the situation, and RBFCU would just refer to the 60-90 day timeframe. I just waited and stopped calling for months. Which brings us to XX/XX/XXXX RBFCU calls, claims the temporary credit should've have been issued when it happened asked me more questions about the charges back on XX/XX/XXXX I answered them. RBFCU told me they would issue temporary credit the next business day, followed with a verdict. The issued the credit, then the following monday XX/XX/XXXX RBFCU called letting me know they had ruled against me, that I was liable for the charges. XX/XX/XXXX XXXX charges from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amounting to XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX cents were again fraudlent made on my credit card a completely new and different card mind you. I called the follwing day to RBFCU wanting my orginal case re-opened and now letting them know about the current fraud charges happening XX/XX/XXXX. RBFCU said they would call me back in twenty four to forty eight hours it is now XX/XX/XXXX have no recieved any communication from RBFCU. This financial instuition is not in compliance with regulation Z, not being compliant to a member who has been with said instuition since they were XXXX years old. I do not feel secure, my account is clearly compromised, and XXXX is doing nothing to reassure my piece of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST MERCHANTS CORPORATION
State: MI

Complaint narrative:
Subject : Intentional Misrepresentation, improper bank withdrawal of {$44.00}, XXXX Reference : XXXX XXXX XXXX of First Merchant Bank, XXXX XXXX XXXX, ; XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX ( XXXX  XXXX ) Dear FTC First Merchant Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX XXXX XXXX ( XXXX  XXXX ) entered into an agreement to fraudulently withdraw {$44.00}, XXXX from the First Merchant Bank Account of XXXX XXXX without the authorization of the Depositor. First Merchant Bank asserted that the money was withdrawn to satisfy a judgment under : XXXX XXXX DBA Interventional Pain. Instead of withdrawing from the account listed in the garnishment order and without authorization, First Merchant Bank withdrew money from the account of XXXX XXXX. The social security number of XXXX XXXX does not belong to XXXX XXXX XXXX  XXXX XXXX. 
As a depositor with First Merchant bank, First Merchant Bank owed a fiduciary duty to XXXX XXXX both under the statutes and under a contract. First Merchant Bank breached their fiduciary duty when First Merchant Bank improperly withdrew money from XXXX XXXX personal bank account. First Merchant Bank and the FDIC have been unable to rectify the wrongful withdrawal. The FDIC confirmed that the withdrawal was improper. 
I seek FTCs assistance in the recovering of the {$44.00}, XXXX, that was fraudulently withdrawn from my personal bank account at First Merchant Bank. The FDIC warned First Merchant Bank to not improperly seize corporate property. The conscious disregard of First Merchant Bank to the conclusion of FDIC warrants Consequential and punitive damages. 
Respectfully submitted XX/XX/year> Exhibits : 1. First Merchant Letter denying liability 2. Writ of Garnishment 3. FDIC Conclusion of law. 


Exhibit 1 Exhibit 2 Exhibit 3

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
I received two emails regarding activity on my Affirm account. The first email at XXXX CST on XX/XX/year> stating that a new device was added to my account. The second email at XXXX CST on XX/XX/year> stating that I was approved for a loan with XXXX. 

I discovered these emails around XXXX CST on XX/XX/year> and immediately logged into my Affirm account to see what it was. It was through XXXX  ( which I had to XXXX because I didn't know of this company ) for an XXXX XXXX XXXX in the amount of {$1000.00}. I contacted Affirm immediately and filed a fraudulent activity case with them. They opened a case and gave me the case number. They stated it could take 30 days to resolve this. 

I then XXXX  XXXX, which is a XXXX subsidiary. I contacted them, stating that I am not a customer but a customer of theirs used my Affirm account to get this loan. All I could provide them was the Affirm loan ID. They were able to find the order with that, and told me that they needed to escalate this issue higher because the name of the person who ordered this phone is not my name. They detected fraudulent behavior. 

On XX/XX/year> at XXXX CST XXXX XXXX  contacted me stating that someone else was using my Affirm account to get this loan. They gave me the name of this person in the voicemail and the amount of the loan. I called them back and they gave me the order number that they have and the persons city/state in which they reside. It is a different state than where I live. 

I went to the police department and filed a police report on XX/XX/year>. I sent Affirm, in email, the police report #, the XXXX  case # that I opened with them, the persons name, their order number, the loan amount and the city/state that the phone was delivered to. I also sent them screenshots of my conversation with XXXX  customer support. The police department called me and told me they can't investigate the matter because the phone was delivered to a different state and that I should file a police report in that state. 

Affirm emailed me on XX/XX/year> stating that they found that I am responsible for this loan, and any remaining payments. I contacted them by phone and asked for more details on why my claim was denied. They did not give me any information and told me I would need to reopen the case with new evidence. 

There has not been a resolution to this matter, and I do not believe Affirm did their due diligence in investigating this matter. This is a loan that will affect credit score, and it's a large amount of money. I did not receive product for this loan, nor am I a customer of the company that the loan is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: IL

Complaint narrative:
I am writing to file a complaint against TransUnion for serious inaccuracies being reported on my credit file which are causing ongoing harm to my creditworthiness and reputation. TransUnion is reporting multiple accounts and public records that are either completely inaccurate or being reported with false derogatory information. For example, they are reporting XXXX XXXX  account number XXXX with a high balance of {$2700.00} opened on XX/XX/XXXX as having a late payment history, XXXX account number XXXX with a high balance of {$16000.00} opened on XX/XX/XXXX as having a late payment history, XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$1700.00} as having a late payment history, XXXX account number XXXX * * opened on XX/XX/XXXX with a balance of {$2500.00} as having a late payment history, XXXX account number XXXXXXXX XXXX XXXX XXXXpened on XX/XX/XXXX with a balance of {$1500.00} as having a late payment history, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXpened on XX/XX/XXXX with a balance of {$640.00} as having a late payment history. In addition, TransUnion is also reporting XXXX XXXX  XXXX bankruptcy filings, Reference Number XXXX in the U.S. Bankruptcy Court and Reference Number XXXX in the U.S. Bankruptcy Court, which are not mine and have been falsely associated with me.

These items are grossly inaccurate, and I have never made any late payments on the accounts listed above, nor have I ever filed for bankruptcy. Reporting such false and damaging information is a violation of the Fair Credit Reporting Act which requires credit reporting agencies to ensure maximum possible accuracy and to remove or correct unverified or false information. Because of these serious errors, my credit standing has been unfairly damaged, I have been subjected to higher interest rates, and I have faced unnecessary stress and financial harm.

I am requesting immediate intervention to compel TransUnion to conduct a proper reinvestigation and permanently delete these false late payment histories and the two bankruptcy records from my credit file, and to provide me with written confirmation that my file has been corrected. These inaccuracies are unlawful, harmful, and unacceptable, and I am seeking relief through the Consumer Financial Protection Bureau to ensure that my rights as a consumer are fully protected.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reported and disputed this information been reported on my credit report that is violation of the fair cusumer law for inaccurate information on my credit report and for used my information incorrect.

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 2025-09-27 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: AR

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: SC

Complaint narrative:
Submitted a dispute on XX/XX/year>2025 for a Debit Transaction within Cash App. A few days later submitting a second dispute for the same company and reason. I provided extensive details in my dispute claim as well as providing some documentation. I also offered to provide a further context or documentation as requested when needed. After just a few days passed both charges from the disputes were reversed from the vendor which was XXXX. My XXXX account reflected this reversal as a balance owed. However now it has been over 45 days since the dispute was filed and the only update Ive received is the acknowledgment of my dispute around the same day the charges were taken back from the merchant. Again however not credited to my account. Nor after the first 10 days was any provisional credit provided. I have made contact with support several times to no avail. I continually receive the same response that it can take up to 45 days after telling them it has already passed 45 days. It is a continuous cycle of repeating up to 45 days despite the initial contact being in regards to it already being past 45 days. Then after several chats which I can screenshot and provide all I called today XX/XX/year> I called around XXXXXXXX XXXX EST spoke to someone who just said the same thing as agents in chat up to 45 days to wait for them to reach out its just over and over like they dont understand math and the fact you keep telling me 45 days and 45 days already passed. So after going back and forth receiving no answer no timeframe no status updates nothing still just a wait until we decide to reach out I started logging in here to begin my complaint. And I had to reset my password. Go into my email and theres a new email from cash app support says I didnt answer questions so they couldnt provide details not one question was ever asked no previous communication sent by them with questions to respond to so that is what I replied then the next message immediately said same thing replied same response. Then next message says to reply with case number provided in the final decision letter I received for the dispute the whole problem to start is the disputes are still pending after 45 days so there was no final decision yet with a case number to provide it was still pending. Then next response was my case was closed to reopen if I need help over XXXX over case closed refusing to help while acknowledging everything they have failed to do. I have much documentation to provide. And more context as needed this is just the basis. A refusal to respond to or resolve a dispute submitted over 45 days ago For attachments have way too many to upload here and as communication is provided to provide further context I will submit this documents there also this session wants to logout if I leave this screen So more documentation to come will upload just one item for now

Company response to consumer: Closed with explanation