vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WV

Complaint narrative:
Cash App is stealing my money I will upload the ending balance for XXXX, which is {$34.00} and something I will then upload my credit debits and purchases. XXXX missing {$99.00} and some odd change. Do you think you could ask them where my money is I previously reported this on the XXXX application when they said that they added {$50.00} to my account when they did not and they were supposed to add XXXX, some they still XXXX answered

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Denefits LLC
State: NJ

Complaint narrative:
File Complaint # XXXX I am filing another complaint regarding Denefits LLC.Denefits responded on last complaint with Falsified information on settlement agreement I originally signed up for a credit repair service that used Denefits as their billing platform. After reviewing the service, I decided I did not want to continue and requested to cancel the agreement. Despite my cancellation request, Denefits refused to cancel the contract and continued to attempt to charge me. I never received any loan proceeds, credit, financing, or money from Denefits. Denefits is not a financial lender, yet they are trying to treat this as if I owe a debt or loan. I have repeatedly asked them to provide proof that they issued me any type of loan or credit that would justify these charges. They have refused to provide any proof of this {$2700.00} Debt After I declined to continue the service, Denefits began sending me repeated emails, voice messages, and notices threatening to send my case to their legal department. They continued to attempt to charge my account even though I canceled. Denefits has now reported negative information on my credit report related to this disputed, unverified, and unauthorized debt. This is damaging my credit, and I believe the reporting is illegal and improper because : I never received any loan or credit from them No debt has been validated They ignored my cancellation request They continue to use harassment and threats I believe Denefits is improperly acting as a debt collector and furnishing inaccurate information to the credit bureaus. I am requesting that the CFPB review this matter and require Denefits to : 1. Provide full validation of any alleged debt ( including proof of a real loan or financing agreement in my name and proof that I received funds ). 2. Remove all negative credit reporting related to this dispute from all credit bureaus. 3. Cease all collection attempts and communications regarding this alleged balance. 4. Acknowledge my cancellation request and close the account with a {$0.00} balance. I am attaching any available documentation showing my cancellation request, the ongoing charges, their messages, and copies of my credit report showing the negative entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I need help to resolve this embarrassing situation where i need the creditor to correct the incorrectly and unverified and inaccurately reporting payments history. i have requested for them to show me how they can prove that this is a verified and validated late payment. i have attempt to do this already and i am losing my ; patience. please help me have them validate and verify the accuracy of these late payments reporting on an account that shows paid as agreed, XXXX  bank is reporting this invalidated information which is hindering me frim getting a promiotion at work, i know these late payments are incorrect,. help me fix this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I need help to resolve this embarrassing situation where i need the creditor to correct the incorrectly and unverified and inaccurately reporting payments history. i have requested for them to show me how they can prove that this is a verified and validated late payment. i have attempt to do this already and i am losing my ; patience. please help me have them validate and verify the accuracy of these late payments reporting on an account that shows paid as agreed, amerant bank is reporting this invalidated information which is hindering me frim getting a promiotion at work, i know these late payments are incorrect,. help me fix this please.

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 2025-12-16 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: FL

Complaint narrative:
I am filing a complaint regarding multiple inaccuracies and unauthorized entries on my credit reports from Experian and TransUnion. My XXXX  XXXX XXXX account ( XXXX XXXX XXXX XXXX  ) is reported as a charge-off with a balance of {$870.00}, XXXX XXXX XXXX is listed as a {$0.00} charge-off, and XXXX XXXX XXXX XXXX XXXX  is reported with a {$1300.00} balance, all of which are incorrect or obsolete, violating FCRA 605 ( a ), 607 ( b ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). Additionally, my reports contain multiple XXXX  inquiries that I did not authorize or that appear duplicated, including XXXX XXXX XXXX XX/XX/year> ), XXXX XXXX XXXX XXXX XX/XX/year>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 These inaccuracies and unauthorized inquiries have materially affected my creditworthiness and violate FCRA 604 ( a ), 605 ( a ), and 611. I request that all unverifiable, inaccurate, and unauthorized information be removed or corrected, and that I be provided with documentation showing verification of any disputed entries.

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 2025-12-16 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NY

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
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

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
Consumer complaint received 2025-12-16 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that XXXX  been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-12-16 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: CA

Complaint narrative:
I used Cash App XXXX / XXXX to purchase a custom hair product from XXXX. The order was split into XXXX XXXX installments totaling approximately {$52.00}. The product was defective straight out of the box : it shed excessively, had matted strands, and the wash water turned XXXX, showing it was not as described or the custom quality I paid extra for. 

I contacted the seller immediately. The seller stated in writing that they would issue a refund if the hair quality was not acceptable, but later refused to honor that promise. I then contacted Cash App to dispute the XXXX XXXX payments for defective goods and merchant misrepresentation. Cash App denied the dispute solely based on a time limit without reviewing the defect or sellers written refund promise. 

I requested escalation and provided evidence including photos and chat messages. I am requesting that this complaint be reviewed and that Cash App be required to properly investigate the defective-goods dispute and issue a refund for the XXXX payments related to this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TN

Complaint narrative:
I am formally requesting a full validation of the alleged debt appearing on my credit report under the account number listed above. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1692E ( 8 ) and 15 U.S.C. 1681e ( b ), you are obligated to ensure that all information reported is accurate, verifiable, and lawfully obtained. Therefore, I request the following documentation to substantiate the validity and legal standing of this alleged account : 1. The amount of the debt claimed to be owed.

2. The name and contact information of the original creditor. 
3. A complete copy of the original agreement containing my wet ink signature.

4. All GAAP and ACDC accounting records associated with the debt.

5. The complete chain of custody and assignment for any transfers or sales of the debt.

6. Documentation showing compliance with TILA ( Truth in Lending Act ) and U.C.C. ( Uniform Commercial Code ) provisions, including all required disclosures and lawful handling of the transaction.

7. Details regarding any securitization or monetization of the debt.

8. Confirmation that the account complies with G.L.B.A. 68016802 regarding privacy and data protection.

Please note that I am not refusing to pay any valid debt. I am simply exercising my right to request proper validation and documentation before any further reporting, collection, or dissemination of this information continues.

Under federal law, unverifiable or inaccurate accounts must be deleted or corrected immediately. Failure to comply with this request will be documented as willful noncompliance under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
I am filing this complaint because several debt-collection accounts are being reported on my credit report that resulted from identity theft. I did not authorize or open these accounts, nor did I give consent for any of the alleged debts. The collectors continue to report and attempt to collect despite my written disputes and notice of identity theft. 
The accounts are : XXXX XXXX XXXX  ( {$720.00} ) ( XX/XX/XXXX ), XXXX XXXX XXXX ( {$0.00} ) ( XX/XX/XXXX ), XXXX  XXXX ( {$4600.00} ) ( XX/XX/XXXX ), XXXX XXXX ( {$440.00} ) ( XX/XX/XXXX ). Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, a consumer reporting agency must block information that results from identity theft within four business days once provided with proper documentation. I have supplied such documentation, yet these accounts remain. In addition, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), a debt collector must cease all collection activityincluding credit reportinguntil verification of the debt is provided. The collectors in question have failed to provide verification or proof of my liability. Federal courts have confirmed that furnishers and bureaus may be held liable for failing to conduct reasonable investigations or for reporting inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) ). I request that the CFPB investigate these violations and require the companies involved to permanently delete all fraudulent collection accounts from my credit report. These inaccurate entries are the direct result of identity theft and continued reporting causes significant and ongoing harm to my credit reputation.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-16 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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.

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
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
My credit report was pulled several times without my knowledge. XXXX  XXXX is the correct financial company for the vehicle I purchased. I would like for the remaining ones to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
They have put a block on my card, asked for all the verification. I gave them what they asked for and they stated I needed to send a copy of my driver 's license and utility bill to their fraud department because I tried paying a bill and they said it was suspicious. I told them on the telephone it was me trying to make that payment. They stated I still needed to send documents and I did. The card is still blocked and I do have a balance from previous purchases. I am concerned this is going to harm my credit and if I close the account it will also harm my credit however I do not want this card anymore due to the lack of customer support, the verification process and just overall not worth it.

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 2025-12-16 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: NY

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 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future. 

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach.

Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my Equifax credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

Company response to consumer: Closed with explanation