vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: NV

Complaint narrative:
XXXX cfpb complaint where they lied and refused to arbitrate my Dad is in fact a XXXX  XXXX XXXX XXXX XXXX and I am his son direct dependent and we are not allowed to pledge car up for any title loans at all but Could Have informed us of this or declined the application or further use Several non-valid statements and actions have been put out as true and valid and are not neither is the debts connected to this account ( complaint filed by XXXX XXXX XXXX XXXX ). TitleMax of Nevada , Inc., DBA TitleMax, a member of the CCF Intermediate Holdings LLC family of brands, appreciates the role of the Consumer Financial Protection Bureau in resolving consumer concerns. We are happy to provide this response. To summarize, the Complainant claims they are a dependent of a veteran and are prohibited from the type of loan they obtained due to the Military Lending Act ( MLA ). In addition, they claim they were not provided with paperwork for their loan and that they did not fill out the second application themselves. Further, they claim alleged predatory lending practices. They are requesting the loan be dissolved and the title returned. A review of TitleMax records revealed that on XX/XX/XXXX, the Complainant obtained a loan in the amount of {$850.00} at a storefront in XXXX XXXX, NV. The Complainant and vehicle co-owner granted security interest in a XXXX XXXX XXXX my original complaint was facts and valid complaints closed prematurely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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 have been fighting this account now for over 4 years, I have sent all types of receipts, including my payment history, to prove that I had this car 54 of the 57 months of my contract, to prove that even though the payment history that came from their website is definitely in correct, but it shows that at the time they ( XXXX XXXX illegally repossessed my car accord to them I owed XXXX XXXX and the sold the car for XXXX my residual should only beXXXX which is still not correct, I did not ow XXXX dollars on that car after having it for 54 of the 57 months of the contract, why is it with all of the fraud they have committed and having another class action law suit that just opened in XXXX for doing the same thing to thousands of more costumers this account remains on my credit report, they charged me and illegal amount of interest for the deferment that I got in XXXX of XXXX, not to mention that I never signed a contact with XXXX XXXX my original contract was with XXXX XXXX, XXXX XXXX sold my contract to them and I received no correspondence from either company about the transfer, and now XXXX XXXX keeps reaching the date like it just happened last month, and that is also against the law, the last time I disputed this the results took more than 30 days, but that account alone it should be removed from all three or should I say 4 of my credits reports, Transaction, XXXX, Experian, And XXXX, I am requesting removal of this account from all four of those credit reporting agency and never put them back on their again, because of this illegal repossession I found myself in a situation where I was forced to but a buy here payhere vehicle that the enter transmission went out on me in 5 months, this is causing me so much emotional distress that's that alone should be illegal

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 2025-11-24 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: CA

Complaint narrative:
I am filing this complaint because my credit report is containing false, unverifiable, and unlawfully reported information that is causing ongoing harm. I have repeatedly attempted to correct these errors with the credit bureaus, yet they continue to violate the Fair Credit Reporting Act by failing to ensure maximum possible accuracy under FCRA 602, failing to conduct a lawful reinvestigation under FCRA 611, and allowing furnishers to provide inaccurate, incomplete, and unverified information under FCRA 623. The following items must be corrected or deleted immediately. 

XXXX XXXX  XXXX * Date Opened : XXXX/2025 Balance : {$230.00} Collection * * I have no knowledge of this account, never opened it, and never received validation. A collection reported without proof violates FCRA 602 ( A ), 607 ( B ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), and 623 ( a ) ( 1 ) ( A ). Unverifiable data must be deleted. 

XX/XX/XXXX XXXX/2025  I never gave consent. Violates FCRA 604 and 607 ( B ). 

XXXX XXXX/2025 Unverified and unauthorized. Violates FCRA 604 ( a ) ( 2 ), 604 ( a ) ( 3 ) ( A ), and 611 ( a ) ( 1 ) ( A ). 

I am requesting the CFPB to intervene because the credit bureaus and furnishers have repeatedly failed to follow federal law. These inaccurate and unverified items continue to cause financial harm, emotional distress, and loss of credit opportunities. I am requesting full deletion or correction of all inaccurate items listed above, enforcement of FCRA compliance, and accountability for failure to investigate properly under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
According to Case No. XXXX ( XXXXXX/XX/2025 ), the disputed tradeline was required to be deleted because the debt was determined not to be owed. The original creditor closed and sold the account, and Jefferson Capital Systemsnow the rightful holderhas already resolved the matter. However, the prior account information ( Account Nos. XXXX and XXXX ) remains inaccurately reported. Under the Fair Credit Reporting Act, continued reporting of a resolved and unowed debt is inaccurate and must be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MS

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
Im filing a complaint against Cash App for mishandling a dispute involving XXXX unauthorized transactions totaling {$2500.00} from a merchant called XXXX. These charges occurred between XXXX and XX/XX/XXXX while I was XXXX XXXX XXXX XXXX XXXX XXXX times a week. I provided medical documentation confirming I could not have authorized these transactions. 

On XX/XX/XXXX, Cash App issued a {$170.00} refund and marked XXXX disputes as completed. I have screenshots and verified emails confirming this. Later, they reversed their position and claimed the refund wasnt from themdespite clear evidence to the contrary. 

Cash App then forced me into a circular process : They prompted me to verify my identity, which I did. 
Immediately after verifying, my account was closed. 
Now they claim they can not investigate disputes because I didnt verifydespite the fact that I did, and the closure happened after verification. 


This is not a misunderstandingits a deliberate contradiction used to block resolution. I have screenshots showing the verified status and the closure timestamps. 

Cash App has also provided contradictory responses to regulators : To the Missouri Attorney General, they accused me of misleading tactics. 
To the CFPB, they claimed they wanted to work toward resolution. 


Additionally, XXXX appears to be a gambling platform. Cash Apps own XXXX XXXX XXXX prohibits gambling transactions unless explicitly authorized. Yet they processed all XXXX charges and denied my disputes. 

Requested resolution : Full investigation and refund of the remaining $ XXXX in unauthorized charges Written explanation of the refund reversal Accountability for processing prohibited gambling transactions Review of the retaliatory account closure Correction of the circular verification logic used to block dispute resolution Consistent and transparent communication with regulators I am prepared to escalate to the FTC and legal counsel if this is not resolved fairly. 

-- -

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hi yes Venmo froze my account But my dispute went through and got my money back for an unknown charge!! 
But my account is still frozen I sent over documents of my social security card! & a selfie of me holding it!! & a picture I have of my ID since I lost my ID but have a picture!! 
& they said they cant accept it!! I think they should my social number is more accurate then a ID So messed up!! 
Its not okay and need my account unfrozen My despute credit back to me was XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-24 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: CA

Complaint narrative:
I am filing this complaint because multiple items on my credit report are inaccurate, unverifiable, and reported in violation of FCRA. I have disputed these items, but the credit bureaus and furnishers failed to provide proof or conduct a lawful reinvestigation under FCRA 602, 603, 607, 609, 611, and 623. These errors continue to harm my credit and must be corrected. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} Late Payment I have never made a late payment and no verification has been provided. Reporting an unproven delinquency violates FCRA 611 and 623. Correct the payment history immediately. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$550.00} Chargeoff I have no knowledge of this account and no documents prove ownership. The chargeoff is unverified and violates FCRA 602, 607, 611, and 623. Delete the account. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$24000.00} Late Payment This late payment is false and remains unverified. FCRA 611 and 623 require accurate reporting. Correct the history to show all on-time payments. 

XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2400.00} Late Payment The late payment is inaccurate, and no proof has been provided. Continued reporting without verification violates FCRA 602, 611, and 623. Correct the payment history. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3200.00} Collection I have no knowledge of this account and it remains unverified. Reporting an unvalidated collection violates FCRA 602, 607, 611, and 623. Delete the account. 

XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry with no permissible purpose under FCRA 604. Remove immediately. 
XXXX XX/XX/XXXX Inquiry I am requesting the CFPB to investigate these inaccurate and unlawful reporting practices, compel the furnishers to produce actual documentation proving these claims, and require the removal or correction of any entry that can not be verified with legally acceptable proof. These continued violations have caused financial harm, emotional distress, and denial of fair credit opportunities. I request immediate enforcement of my rights under federal law and full accountability from the bureaus and furnishers.

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 2025-11-24 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: CA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit 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 2025-11-24 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2025, my Chase bank card was charged {$2600.00} for a flight purchase that I did not authorize. I had been working with a travel agent from XXXX XXXX XXXX named XXXX XXXX. We had clearly agreed that he would only book a fully refundable flight to XXXX. I provided my card information solely for that purpose. 

However, without my knowledge or consent, the agent used my card to purchase nonrefundable flights through XXXX XXXX. I did not authorize the purchase of any nonrefundable tickets. I did not learn that he booked a nonrefundable flight until XX/XX/2025. 

When I confronted the agent about this unauthorized booking, he told me there was nothing he could do and claimed that XXXX XXXX  would not make changes or issue refunds. 

On XX/XX/2025, I contacted XXXX XXXX XXXX directly to report the issue. They told me they could not assist and instructed me to contact XXXX XXXX  myself. I contacted XXXX XXXX  the same day, and they informed me that because the booking was made under the travel agents accountnot minethey could not make any changes or process any refund. They stated I would need to resolve the issue through the travel agent who made the unauthorized purchase. 

This situation resulted in an unauthorized transaction on my debit card and constitutes a fraudulent charge, as the purchase was made outside the terms under which I provided my card information. 

Later on XX/XX/2025, I submitted a dispute with Chase regarding this unauthorized charge. After nearly three months, on XX/XX/2025, Chase notified me that they had reversed the claim because they were unable to recover the funds from XXXX XXXX XXXX XXXX XXXX 

I am seeking assistance because the charge was unauthorized, the merchant refuses to resolve the issue, and my bank has declined to provide a refund despite the clear evidence of misuse of my card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: FL

Complaint narrative:
To : U.S. Bank Customer Service Subject : Emergency Immediate Release of Funds Dear U.S. Bank, I am writing because my account has been restricted, my cards frozen, and I can not access the {$3500.00} in my account. I understand that U.S. Bank is ending the banking relationship for risk, but I do not care about the relationship ending I need my money immediately. 

Here is what happened : 1. On XX/XX/year>, I had to call U.S. Bank to find out why my cards were not working. I was told my account was under review and that the account was being closed for risk. At no point did the bank contact me first. 
2. Deposits I made, including direct deposits and other income, were returned to the sender. I was told I must wait for them to be re-released, locking even money that was already in the account. 
3. I have XXXX children, and we are going without food. With XXXX this week, this is an emergency. 
4. Because there are no local branches in XXXX XXXXXXXX XXXX XXXX, I can not pick up a check in person. I require my funds to be released via overnight delivery immediately. Snail mail is not acceptable. 
5. I have repeatedly requested escalation and resolution, but I have received no written confirmation, explanation, or firm timeline. 

This is a life-impacting emergency. I can not pay my mortgage, buy food, or meet basic needs without these funds. 

I demand the following, immediately : 1. Release of the full {$3500.00} via cashiers check or other guaranteed method, sent via overnight delivery only. 
2. Written confirmation that my funds will be released, including an explanation of why the cards were frozen, why deposits were returned, and why funds were held beyond the promised timeline.

3. Reprocessing of any returned deposits so I can access them immediately. 

This is not about maintaining a relationship with the bank it is about my familys survival. 

Please respond today and confirm when my funds will be delivered overnight.

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