vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
b'TransUnion reported me under the wrong name tied to my Social Security Number and also reported an excessive number of inquiries not shown on my XXXX XXXX XXXX reports. These inaccuracies have harmed me and violate the Fair Credit Reporting Acts requirement of maximum possible accuracy.\n\nOn XXXX XXXX XXXX I obtained my TransUnion credit report. On page 1, it shows:\n\nPersonal Credit Report for: XXXXXXXX XXXXAlso known as: XXXX XXXX XXXXwhile also listing Name: XXXX XXXX XXXX XXXX.\n\nMy full legal name is XXXX XXXX XXXX XXXX. I have never legally been known as XXXXXXXX XXXX TransUnion authenticated me using my Social Security Number, yet still issued the report under the wrong names. This violates FCRA 607(b).\n\nBecause of this error, negative accounts have been wrongly tied to me. I sent a formal dispute letter by certified mail on XXXX XXXX XXXX (Tracking #XXXX XXXX XXXX XXXX XXXX XXXX).\n\nAdditionally, the same report shows XXXX  inquiries (XXXX hard + XXXX account reviews). In contrast, both my XXXX XXXX XXXX reports from the same date show XXXX  inquiries. This inconsistency cannot be accurate. Excessive inquiries harm my creditworthiness, create the false appearance of constant credit activity, and increase my risk of being denied credit.'

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 2025-09-05 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: AZ

Complaint narrative:
I am filing this complaint against CashApp due to unresolved issues regarding withheld funds and lack of customer support resolution. 

On XX/XX/year>, I attempted to send {$120.00} to another CashApp user after receiving that amount. However, the transaction has remained pending since that date. Immediately, I reported the issue directly through the CashApp application. Despite this, CashApp has not resolved the matter. 

Following that incident, additional customers have sent me payments into my account : XXXX transactions of {$200.00} each XXXX transaction of {$170.00} In total, I currently have {$770.00} locked in my CashApp account. 

CashApp has marked my account as suspended due to suspicious activity. I have contacted their support team multiple times both by phone and through the application, but I only receive automated responses stating that a specialist will contact me within 24 hours. It has now been over a month and a half, and no specialist has reached out to me.

As of today, I do not have access to my funds and have been given no clear explanation or resolution. CashApp continues to delay without providing a real solution, which has significantly affected my business and financial stability.

I am requesting that CashApp : 1. Immediately release the {$770.00} currently in my account.

2. Provide a clear explanation of why my account was suspended.

3. Take accountability for the delays and lack of customer support.

I am submitting this complaint to the CFPB in hopes of resolving this issue, as CashApp has not addressed it directly despite my repeated attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I filed previous complaint with this office with complaint # XXXX. There is absolutely nothing in the complaint that mentions another person anywhere. The company needs to provide information who this other so called person is. There is no one to authorize as I am submitting my own complaint on my behalf and nothing in the complaint says otherwise. I have more than one email and phone number. If my phone number or email does not match what the bank has on record that certainly does not mean that someone else is filing a complaint on my behalf. And even if someone were I fully authorize them to do so. I am resubmitting now with the phone number and email the bank has on file or should have on file. 


YOUR COMPLAINT On XX/XX/2025 Capital One has stated they will not resolve my not as described dispute with Airbnb dated XXXX, XXXX, 2025 in the amount of {$970.00} because " the merchant 's decision not to honor your refund request appears consistent with the terms and conditions the merchant makes available to consumers in connection with the purchase at issue. '' This is in direct contradiction to XXXX XXXX rules. See attached pages from the Master Card Chargeback Guide Merchant Edition date XX/XX/2025. The acquirer may second present ONLY when the acquirer can provide one or more of the following : 1 ) Merchant documentation that the goods were repaired or replaced. 2 ) Merchant documentation that the goods or services included on the receipt or invoice were delivered or provided as described, were not damaged, or were defective. As this case is pertaining to services only # 2 above is applicable. The clear rules say nothing about a return policy or abiding by terms and conditions. It is very clear that the merchant must have shown that the services were as described. This was never done in any way. Capital One has side stepped clear XXXX XXXX rules and has violated my rights under Federal law with regard to this billing dispute. XXXX XXXX rules supersede any terms and conditions that a merchant may have. A merchant can not fraudulently misrepresent a service and then rely on terms and conditions to defraud a consumer and avoid liability. The merchant in this case provided XXXX evidence to contradict my overwhelming photographic evidence that service was not as described. See attachments. 

My other telephone number is XXXX My other emails are XXXX or XXXX Note the previous phone number and email is not allowed to be edited on the CFPB site. 

Also note that Capital One has done this previously in my complaint XXXX. After speaking with Capital One they acknowledged they were in error and answered the complaint under the same circumstances. There is no one filing a complaint on my behalf. Capital One just desires to avoid answering for other reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
I have noticed unauthorized foreign accounts appearing on my credit report that I have no knowledge of. I believe this may be connected to the TransUnion data breach. It is extremely unprofessional, unfortunate, and unsettling that I now feel the need to monitor my credit report weekly and monthly to ensure nothing is fraudulently added or removed without my knowledge. This matter is serious, and immediate action needs to be taken.

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 2025-09-05 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$800.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-05 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$810.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
On XX/XX/XXXX XXXX I received a check from XXXX in the amount of {$130000.00} I took it to PNC BANK WHERE I bank at for XXXX  years, an was told the funds would be cashed in XXXX hours. 
PNC verified the check an it was valid with XXXX. PNC teller said the check was forgery. A XXXX put a hold, on/ stop payment check because of what the bank teller said it was forgery .. the check is real. I was racially profiled at PNC Bank the teller was white an I was XXXX .. banking while XXXX XXXX the case

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I notice an account that I am not familiar with. I have requested validation of debt from the credit reporting agencies ; however the information has not been provided.Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach, and a XXXX attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I notice an account that I am not familiar with. I have requested validation of debt from the credit reporting agencies ; however the information has not been provided.Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach, and a XXXX attachment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: OK

Complaint narrative:
This complaint concerns Square ( Block , Inc ) merchant services ( payment processing ). Since XX/XX/year>, XXXX has suspended all transfers to my bank and the amount they are currently withholding is {$6900.00}. They have done this despite XXXX chargebacks, disputes, or customer complaints. This prolonged hold has caused significant financial hardship. These are hard-earned funds from completed sales that have been held for a full year, far beyond the standard 90180 day reserve period, with no release date provided. I am seeking immediate release of these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My Experian credit report is showing an account from XXXXXXXX XXXX XXXX XXXX that is more than XXXX XXXX XXXX and they are refusing to remove it off of my report even though thats a violation of the fair credit reporting act. I submitted a dispute and request they remove it and they said nothing has been changed and it will remain on my report.

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 2025-09-05 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: FL

Complaint narrative:
I never authorized or established these accounts. They appear fraudulent, and I request their removal and investigation. Evidence is included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Dear TD Customer Support / Fraud Department, I am writing to sincerely explain a recent situation in which I unknowingly became a victim of an employment scam, which has unfortunately affected my account. 
On XX/XX/year>, I deposited a check in the amount of {$9000.00} that was provided to me by someone claiming to represent a company I applied to through a job posting on Indeed. I was told that I had been hired and that the check was to cover equipment and onboarding costs. Following their instructions, I deposited the check and believed I was following legitimate steps in starting a new job. 

I now realize that this was a scam, and I was deceived into participating in fraudulent activity. I had no intention of violating any terms or participating in anything dishonest. I truly believed I was beginning a real job opportunity. 

I understand the seriousness of the situation and deeply regret the consequences. I am kindly requesting a reconsideration of my account status. I am more than willing to cooperate fully and provide any documentation or details you may need regarding the scam and the individuals involved. My only goal is to resolve this and restore my account in good standing. 
Please let me know what steps I can take to help with the investigation and to potentially reinstate my account. 

Thank you for your time and understanding. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I would like to refinance my home with Citi Bank. The loan agent is XXXX  XXXX ( XXXX ). Per her request, I had made the application on XXXX XXXX XXXX but it took a long while for her team to respond to my loan status. 

Her team was not able to disclose enough information to me and very slow at responding to my inquiry. After almost 3 months later, I was told that my XXXX XXXX  may have pre-litigation condition ( condition started from XX/XX/year> ) and then got declined with my loan request. 

I reached out to her and her manager a couple of times to request refund on following upfront cost I paid but didn't hear back further. Please follow upon on my request given there is a liability on Citi to postpone my loan request and result into my loan denied. 

Appraisal cost : {$760.00} Application fee : {$170.00} Credit report {$78.00} XXXX questionnaire cost : {$300.00}

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 monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I used chime to return a debt I owed to a XXXX XXXX in the mist of life and rushing I sent the {$670.00} to a XXXX XXXX. After the intended receiver contacted me due to not receiving I checked and noticed I sent to wrong person! I requested funds back! Sent several {$1.00} payments with a note attached that I made a mistake and needed my money back with no avail! After a week of trying through person and even my back I was led to chime which informed me there was nothing they could do!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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. CXXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXXXXe XXXXe ) 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 2025-09-05 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXXXXe XXXXe ) 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