vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Yesterday XX/XX/year>, XXXX XXXX and me XXXX XXXX were scammed by an account named XXXX XXXX on cash app worth {$1300.00}. We were told it was a payment for first months rent. We sent the payment on cash app. We signed a lease thinking it was real. The account of instagram is XXXX XXXX. This is the person we were supposed to be living with. I am now blocked. This happened in XXXX NY We were emailing someone and when it came time to pay to move in with XXXX. they told us to pay through cash app XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I filed a Regulation E debit card dispute regarding an unauthorized XXXX charge approximately six days ago. I was informed by Huntington that the investigation has not yet started. Under Regulation E, Huntington is required to investigate promptly and issue provisional credit within 10 business days if unresolved. I am requesting confirmation that the investigation is active and that provisional credit will be issued as required by law. At this time, Huntington has not provided a case number or confirmation that the investigation clock is running. I rely on these funds for living expenses. This delay is causing financial hardship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX. 

Correct Information to Be Reported : Full Name : XXXX XXXX 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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : 9/1/2017-Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XXXX : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XXXX : {$5000.00} XXXX/DOFED XXXX * * * * * -Date Opened : XXXX : {$3800.00} XXXX/DOFED XXXX * * * * * -Date Opened : XXXX : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XXXX : {$9300.00} XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XXXX : {$3100.00} XXXX/DOFED XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XXXX : {$5000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
A medical collection account from XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX, was reported on my Experian credit report with a date opened of XX/XX/XXXX and a balance of {$610.00}. 

The medical date of service for this account occurred in XXXX. Under medical debt reporting standards, medical collections are not eligible to be reported until at least 12 months after the date of service.

I disputed this account with Experian multiple times and specifically explained that the account was reported before the required 12-month waiting period had elapsed. Experian closed each dispute using identical verification language stating that the furnisher had verified the information, without addressing the medical eligibility issue I raised.

The account remains on my Experian credit report despite being reported before it was eligible. I am requesting deletion of this inaccurately reported medical collection.

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 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
XXXX I opened a new checking account at the PNC XXXX XXXX XXXXXXXX NJ XXXX. This account was to be used for a XXXX payment and bills paid associated with the account. The PNC representative and I proceeded with a lengthy discussion teaching myself how to use the XXXX feature. In the early stages of this discussion the representative asked if I was interested in up dating my older credit card. On XXXX I received a letter from PNC with my credit score. At some point I received a pop up on my PNC online account, I believed the pop up was asking if wanted the new card discussed on XXXX authorized to be mailed to my address. I believed my approval to this pop up was a follow up to the discussion with the representative from PNC on XXXX asking if I wanted a new credit card. The weekend of XXXX I received a notification of possible fraud charges made on my credit card. After several attempts made to contact the voice mail notification with lengthy on hold complications I was finally able to speak to a representative from the fraud detection & remediation PNC National Association. On XXXX afternoon I followed up with a in person meeting at the XXXX XXXX XXXXXXXX XXXX representative as advised and set up through the Fraud Detection & Remediation Association. I was assured things where being handled and there was no reason to believe I had anything of concern to worry about. XXXX XXXX XXXX representative documented my concerns sending them up the chain of command. The claim was denied making me liable for the charges applied to the credit card ending in XXXX in which was never in my possession at any point in time. The charges began XXXX business days after XXXX. Starting on XXXX at XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX for {$13000.00} than XXXX at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX for {$49.00} finally XXXX at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Fl XXXX for {$5.00}. After many phone conversations and a few e-mails including PNC Executive Client Relations. PNC has denied the claim as well terminated my XXXX checking accounts a debit card and credit card. Leaving the balance due for the stated fraudulent charges against the credit card stolen. A police report has been filed as well a call to the United States Post Office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Center Street Finance, LP dba CSF Servicing
State: TX

Complaint narrative:
I had a repossession and account closed in XXXX. I checked my credit report to see csf servicing reporting late payments in all months from XX/XX/XXXX until now. This has caused my score to drop. I no longer owe them any payments and this is ruining all the hard work I am doing on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Express Paycheck LLC
State: TX

Complaint narrative:
Express Paycheck has been explicitly told not to contact my workplace and have continued despite this instruction. They are now harassing me and violating the FDCPA. 
They have called at a minimum the below dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have provided written notice to them as well : " I am now formally providing written notice that you cease all calls to my workplace number immediately. You have been verbally notified multiple times. Any further calls to my workplace will be documented as violations of the FDCPA. 
I am documenting each violation and they are being filed with the CFPB and my State Attorney General.

I will actively seek counsel and file suit against your office if these forms of harassment continue.

DO NOT CALL MY WORKPLACE NUMBER AGAIN ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: MO

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit report. Please find the details of each account listed below, separated by credit bureau. 

Charged Off Accounts : 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 XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Ive a customer with Chime for more than XXXX years and I seen transactions that I didnt not make myself so I called XXXX a dispute and dispute the process. I got an email saying that my account has a block features and then I got out of the email three minutes later saying that my account has to have full access then three minutes later I got an email saying that my accounts was being close for no reason I dont know where my money goes. They provide me access to that account. I dont even I cant even check let me know have no good discriminating this is professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I did an online grocery order with XXXX XXXX XXXXXXXX in XXXX NJ. I was charged twice which then put my checking account in the negative. On Monday I called the merchant explaining what had happened and was notified that the refund was processed and sent to the bank. 
I called Santander bank and explained the whole process and was told that on their end they could not see a refund status, only a charge. The representative advised me to dispute the charge, which I did. 
On Wednesday XX/XX/XXXX I called XXXX XXXX XXXXXXXX again explaining what the bank mentioned to me, I was then provided with a document showing that the funds were indeed refunded XXXX and it was up to the bank to release said funds. 
The dispute department advised that without proper paperwork, I would have to wait. I emailed the documentation they asked for and still nothing. I called the bank again and spoke to another rep and he verified the document that I sent over and the amount of time that has gone by and that he didnt understand the hold up either. The hold is still on my account and my account is still in the red. It has been 6 days. Santander is refusing to release the funds back into my account which is causing a trickle down effect

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 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: GA

Complaint narrative:
I am filing this complaint regarding Klarna loan number XXXX. The entire order associated with this loan was returned to XXXX, and the return was delivered by FedEx on XX/XX/year>. 

XXXX has already issued the full refund for this order, split into XXXX transactions : {$32.00} refunded on XX/XX/year> {$88.00} refunded on XX/XX/year> Despite XXXX completing the refunds, Klarna has failed to properly apply these refunded amounts to my loan balance. As a result, my account reflects an incorrect balance and does not accurately show that the loan has been fully refunded. 

I have met all of my obligations as a consumer. The merchandise was returned, the merchant processed the refunds, and Klarna has confirmation of both refund transactions. Klarnas failure to timely and accurately apply these refunds is improper and creates unnecessary financial and credit risk for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CA

Complaint narrative:
It happened on the XXXX of this month ( XXXX ) i got hacked not sure how but my email and phone number were unlinked in many of my accounts including this one and replaced. 
I kept receiving notifications about funds moving around since then I was only able to recover both emails but they also changed the pin

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-18 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX - XXXX BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XXXXBalance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XXXXBalance : {$610.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XXXXBalance : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XXXXBalance : {$400.00} XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XXXXBalance : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XXXXBalance : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XXXXBalance : {$8800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX -Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XX/XX/XXXX XXXXBalance XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XX/XX/XXXX -Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XX/XX/XXXX -Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XX/XX/XXXX -Balance : {$3100.00} UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX CARD XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXXXXXX CARD - XX/XX/XXXX XXXX CARD XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX CARD - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I am submitting this complaint against Total Select Credit Card regarding their handling of my account during a period of financial hardship. 

I contacted Total Select Credit Card seeking assistance to bring my account current due to financial hardship. During my calls, I spoke with two different representatives. Instead of offering any meaningful hardship options, payment plans, or assistance programs, both individuals focused solely on demanding immediate payment and discussing late fees. 

I specifically explained my financial hardship and my intent to resolve the account responsibly. Despite this, the representatives appeared unwilling to help and provided inconsistent and misleading information. At times, it felt as though they were attempting to bluff or misrepresent options in order to pressure payment rather than provide accurate or helpful solutions. 

No reasonable hardship accommodation was offered, and my requests for assistance were effectively ignored. Their approach lacked transparency, empathy, and good-faith effort to help a consumer who was actively seeking to correct their account.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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


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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: VA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA.

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING.

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: PA

Complaint narrative:
XXXXompany Cashapp XXXX. XXXX  XXXX Email on account is XXXX Called XXXX Last year XX/XX/24 My phone was stolen and person changed my cash app pin. I cancelled phone and because I had too, I didn't have my number or email. I called Cashapp they told me they couldn't verify me so I got my phone number back XX/XX/24 and my email. The account was closed on my end, Cashapp support sees it, people see it but when I try it won't allow me to log in every month I call they tell me open a new one to transfer fund when I put me social it closes the account they submit an appeal never hear from them and are still holding my money. I'm tired it's been 1 year. If the see the account I have the phone and email of the account why can't I have access or send my money XXXX give them my address. No one helps or calls me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief