vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Cash App ( Block, Inc. ) for holding and restricting access to my funds without sufficient justification. 

On [ insert date ], my mother sent me money through Cash App to reimburse me for a legitimate expense. I had previously paid for her trip to XXXX, XXXX, under the XXXX XXXX XXXX for the XXXX  People option. She included a note in the memo section of the Cash App transfer referencing this trip. 

Cash App flagged this transaction and placed a hold on my funds. To date, they have not provided a clear explanation, legal authority, or timeframe for resolution. The funds in question were personal reimbursement for expenses already incurred, not for any unlawful purpose. By holding this money, Cash App has : Prevented me from accessing my own funds. 

Caused financial hardship and unnecessary stress. 

Taken action that appears arbitrary and disproportionate given the nature of the transaction. 

I believe Cash App is improperly restricting customer funds based on memo wording, rather than the legality of the transaction itself. This is unacceptable and raises concerns about unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My auto lender hasnt updated my account balance since XX/XX/year> to the credit bureau affecting my credit score. 

My current outstanding as of today is {$5500.00} But the outstanding in credit bureau is $ XXXX which is wrong

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 2025-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have repeatedly attempted to resolve this matter with Wells Fargo and was sent to XXXX XXXX as WF stated they sold the alleged debt to XXXX, upon contacting XXXX  they informed me they sent the debt back to WF. Then upon contacting WF again I received not further information and no one could assist me or tell me what to do to resolve this matter. After the call I then received a letter from XXXX XXXX attempting to collect an alleged debt from Wells Fargo. I have uploaded the final request I just made regarding this matter. Please see the details within the letter. I am utterly confused and need immediate assistance before I secure an attorney.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-09-08 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:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Account Information XXXX XXXX  Account # XXXX Dear Sir or Madam, I am writing to dispute the accuracy of the information being reported on my credit file in connection with XXXX XXXX Account # XXXX. 

The information reported on this account is inconsistent and has not been properly verified. Specifically, there are discrepancies between the credit bureaus regarding the following items : High Balance Last Verified Date Date of Last Activity Date Reported Date Opened Closed Date Last Payment Because these details are not consistently or accurately reported across all three credit bureaus, I have reason to believe this account information is unreliable and in violation of the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to maintain complete and accurate records. 

I am requesting that you : Conduct a thorough reinvestigation of this account. 

Verify the accuracy of all information reported directly with the furnisher. 

Delete the account if the information can not be fully verified with consistent, documented records. 

Please provide me with written confirmation of your findings and any corrections made to my credit file. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX : XX/XX/XXXX SSN : XXXX Enclosures ( copies ) : Proof of Identity ( Drivers License, State ID, or Passport ) Proof of Address ( Utility Bill, Bank Statement, or Lease Agreement )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a Capital One 360 Checking Account on XXXX XXXX and funded it with a small instant deposit. After a few hours I received an e-mail message titled " Please confirm some info to use your accounts '' informing me that my account is restricted and asking me to call the company to confirm some information. After calling a customer service representative told me that my account is closed and they do not know the reason why it was closed. I was not a new customer of Capital One, as I already have a credit card with them with no late payments or other problems and the card account was not closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: MS

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: MoneyLion Inc.
State: TX

Complaint narrative:
In XX/XX/year> I completed a loan application through MoneyLXXXX which was ultimately denied. At that point I opted out of any further communication with the company. As of XX/XX/year>, I received an email from MoneyLion XXXX XXXX stating that my scores have improved. I immediately contacted MoneyLion customer service on XX/XX/year> to voice concerns over credit monitoring in which I never signed up for. I was informed that they were not able to remove my information from their system and that they did not show an open account nor did they show credit monitoring. As soon as I read the email to the representative and stated that my privacy and information had been illegally accessed, I received an email stating that the credit monitoring has been discontinued. This is XXXX of many companies that is violating the FCRA.

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 2025-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
We purchased a new car on XX/XX/year> and at the time of sale the car still had an open recall within the NHTSA database and within the manufacture database which against federal law. The dealership insists that their paperwork excludes them from complying with the law that the recall has to be completed in the vin database at the time of sale not later. They keep insisting their paperwork supersedes the law and they have time for it to update. They refuse to rescind the sale as request

ed Under federal law ( 49 U.S.C. 30120 ( i ) ), a dealer may not sell or lease a new vehicle subject to an open recall unless the defect is remedied before delivery. Selling the vehicle while the recall is still open constitutes a violation of federal law. Under federal regulation ( 49 C.F.R. 573.15 ), manufacturers must report complet
ed recall repairs to NHTSA, and the VIN database is the official, legally recognized record of whether a recall is remedied. Until the database reflects the repair, the vehicle is legally considered unrepaired.

In North Carolina, misrepresenting a recall as completed when it remains open may also constitute an Unfair and Deceptive Trade Practice under N.C. Gen. Stat. 75-1.1, exposing the dealer to potential treble damages.

Until this is done in the official system of record ( NHTSA ), the vehicle can not legally be treated as repaired or safe for delivery under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 explanation
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-08 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX 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 explanation
Consumer complaint received 2025-09-08 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 disputing the accuracy, completeness, and legality of XXXX XXXX XXXX XXXX XXXX on my Experian credit file : Acct # XXXX XXXX XXXX XXXX XXXX Bank {$440.00} Opened XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX  {$440.00} Opened XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX XXXX  {$720.00} Opened XX/XX/XXXX On XX/XX/XXXX, I requested validation directly from XXXX. They failed to provide the legally required validation package ( itemization, chain of title, signed agreement, billing records ). As a result, these debts are unverifiable. 

Experian has continued to report the XXXX tradelines without deleting them. This violates FCRA 607 ( b ), 611 ( a ), and 623 ( b ). Experian is relying only on XXXX automated e-OSCAR responses rather than conducting a reasonable reinvestigation, which courts and the CFPB have found to be inadequate ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ; CFPB Circular XXXX ). 

Requested resolution : Delete the XXXX XXXX XXXX tradelines from my credit report as unverifiable, and provide a full Method of Verification as required by FCRA 611 ( a ) ( 7 ). 
What happened? 
I am disputing the accuracy, completeness, and legality of XXXX XXXX XXXX XXXX XXXX on my Experian credit file : Acct # XXXX XXXX XXXX XXXX XXXX Bank {$440.00} Opened XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX  {$440.00} Opened XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX XXXX  {$720.00} Opened XX/XX/XXXX On XX/XX/XXXX, I requested validation directly from XXXX. They failed to provide the required validation package ( itemization, chain of title, signed agreement, billing records ). These debts are therefore unverifiable. 

Experian has continued to report the XXXX tradelines without deleting them. This violates FCRA 607 ( b ), 611 ( a ), and 623 ( b ). Experian relied only on XXXX automated e-OSCAR responses instead of conducting a reasonable reinvestigation, which courts and the CFPB have held is inadequate ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ; CFPB Circular 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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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