vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I went to XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I've been contacting cash app and XXXX because I have {$750.00} sent on cash app and {$240.00} sitting on XXXX  I'll catch up keeps telling me it's called XXXX XXXX XXXX XXXX XXXX and then they finally gave me a website that they have to go on to unblock it but every time I call XXXX XXXX they don't know what I'm talking about I don't so I asked cash app to call them and they won't do it I've been fine with them and I only got that information the last past two weeks so I've got cash up in XXXX saying to call XXXX XXXX XXXX 's but when I do they don't know what I'm talking about I don't know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent accounts are : XXXX XXXX ( {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXXredit Inquiries : XXXX XX/XX/year>, XXXX XX/XX/year>. The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

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 2025-09-23 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:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent accounts are : XXXX XXXX ( {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXXredit Inquiries : XXXX XX/XX/year>, XXXX XX/XX/year>. The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
I have had my mortgage with Freedom Mortgage since XXXXXXXX XXXX XXXX They take my payment each month and are supposed to distribute funds to my escrow account and pay for insurance, property taxes. They have been making mistakes left and right and have caused an escrow shortage for my account. They just sent {$1500.00} to either XXXX XXXX insurance or XXXX. I have called several times to find out what happened and also to talk with a member from leadership. But the leadership and manager in charge of escrow talked privately. They decided on their own that the XXXX was not sent to anyone. And they left me on the phone on hold for 45 minutes. When they should have been discussing this problem with me the customer to find out where my money disappeared. I no longer trust them with my money or any future business interactions. I want a complaint filed asap. No wonder, they have a rating of 1.7 which clearly puts them into a poor management of the people 's hard owned money to do with whatever they want. I thought this was about earning my business and trust. This company has a rating of 0 from me. If anyone gets a mortgage please do not let Freedom Mortgage handle your mortgage.

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 2025-09-23 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX  : Account number : XXXX, Unverifiable. 
XXXX : Account number : XXXX, Unverifiable. 
XXXX XXXX : Account number : XXXX, Unverifiable. 
XXXX XXXX XXXX : Account number : XXXX, Unverifiable. 
XXXX XXXX ( Original XXXX XXXX ) : Account number : XXXX, Unverifiable. 
XXXX XXXX : Account number : XXXX, Unverifiable. 
XXXX XXXX  | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX XXXX  : This inquiry is inaccurate. 
XXXX XXXX XXXX : Account number : XXXX, Unverifiable. 
XXXX : Account number : XXXX, Unverifiable. 
XXXX XXXX  ( Original XXXX XXXX XXXX ) : Account number : XXXX, Unverifiable. 
XXXX XXXX : Account number : XXXX, Unverifiable. 
XXXX XXXX  ( Original XXXX XXXX XXXX XXXX  ) : Account number : XXXX, Unverifiable. 
XXXX XXXX ( Original XXXX XXXX ) : Account number : XXXX, Unverifiable. 
XXXX  XXXX : Account number : XXXX, Unverifiable. 
XXXX XXXX : Account number : XXXX, Unverifiable. 
XXXX XXXX XXXX | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX XXXX | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX : Account number : XXXX, Unverifiable. 
XXXX XXXX  ( Original XXXX XXXX XXXX ) : Account number : XXXX, Unverifiable. 
XXXX XXXX : Account number : XXXX, Unverifiable. 
XXXX XXXX XXXX : Account number : XXXX, Unverifiable. 
XXXX XXXX ( Original XXXX XXXX ) : Account number : XXXX, Unverifiable. 
XXXX XXXX : Account number : XXXX, Unverifiable. 
I believe that my consumer rights have been violated and that the financial institution involved has not properly addressed the matter despite my efforts to resolve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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 writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX  : Account number : XXXX, Unverifiable. 
XXXX : Account number : XXXX, Unverifiable. 
XXXX XXXX : Account number : XXXX, Unverifiable. 
XXXX XXXX XXXX : Account number : XXXX, Unverifiable. 
XXXX XXXX ( Original XXXX XXXX ) : Account number : XXXX, Unverifiable. 
XXXX XXXX : Account number : XXXX, Unverifiable. 
XXXX XXXX  | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX XXXX  : This inquiry is inaccurate. 
XXXX XXXX XXXX : Account number : XXXX, Unverifiable. 
XXXX : Account number : XXXX, Unverifiable. 
XXXX XXXX  ( Original XXXX XXXX XXXX ) : Account number : XXXX, Unverifiable. 
XXXX XXXX : Account number : XXXX, Unverifiable. 
XXXX XXXX  ( Original XXXX XXXX XXXX XXXX  ) : Account number : XXXX, Unverifiable. 
XXXX XXXX ( Original XXXX XXXX ) : Account number : XXXX, Unverifiable. 
XXXX  XXXX : Account number : XXXX, Unverifiable. 
XXXX XXXX : Account number : XXXX, Unverifiable. 
XXXX XXXX XXXX | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX XXXX | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX : Account number : XXXX, Unverifiable. 
XXXX XXXX  ( Original XXXX XXXX XXXX ) : Account number : XXXX, Unverifiable. 
XXXX XXXX : Account number : XXXX, Unverifiable. 
XXXX XXXX XXXX : Account number : XXXX, Unverifiable. 
XXXX XXXX ( Original XXXX XXXX ) : Account number : XXXX, Unverifiable. 
XXXX XXXX : Account number : XXXX, Unverifiable. 
I believe that my consumer rights have been violated and that the financial institution involved has not properly addressed the matter despite my efforts to resolve 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 non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance - {$0.00} Account Name XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance - {$1800.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance - {$0.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance - {$0.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX  - Balance - {$0.00}

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 explanation
Consumer complaint received 2025-09-23 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: NC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
You referred my complaint ( XXXX ) to XXXX XXXXXXXX XXXX XXXX They sent me a letter with the following sentence in the last paragraph : " Unfortunately, XXXX XXXX XXXX  can not return these funds at this time and XXXX will need to contact JP Morgan Chase to further dispute this case. '' I had already submitted claims to Chase ( XXXX and XXXX ) and they responded that " We found that the transaction ( s ) was processed according to the information you provided or was authorized. As a result, we are removing {$1800.00} from your account ... '' Chase evidently feels that I have authorized the fraudulent transactions, but is unable to provide any documentation. I worked with the processing organization ( XXXX XXXX XXXX XXXX XXXX ) for over a year. I exchanged e-mail with a representative named XXXX from XX/XX/XXXX to XX/XX/XXXX. Her final communication with me ended with this note : " We have contacted our processing bank and have been following up on this regularly. Unfortunately, the recipient 's bank has not responded and so the case has been closed. Unfortunately, we are unable to retrieve the funds. 

It has now been more than a year since the Automated Clearing House ( ACH ) fraud transactions posted to my business checking account, and I am still out the {$1800.00} in ACH fraud. 

I understand that the proper form letters have been sent to me, but is there any regulatory body that can actually recover the funds, punish the perpetrators, or simply act as an effective supervisory agent for the federal government?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CO

Complaint narrative:
I have my payroll deposited into my chime banking checking account every Monday the deposit transaction is made by my employer between XXXX XXXX Monday mornings and I am given a payout confirmation number. The first deposit went in like it should before XXXX on Monday afternoon XX/XX/year>. Chime advertises direct deposit made two days early. The following Monday the XXXX my deposit was paid out the same by employer however chime said they did not receive it and that my payout confirmation number means nothing and that they could not trace nd I should of received it the transaction so I three way called chime and employer and after several hours and two days went by I received my direct deposit late Tuesday evening around XXXXXXXX XXXX After I hung up with the representatives. Now on XX/XX/year> I am having the same issues even though chime specifically stated on my app that it is payday and my paycheck will arrive on the XXXX XXXX XXXX. However when I call chime I keep getting the same run around and they can not seem to find my direct deposit. My employer states they have already processed the payment and I should of already received it. I had no problems with this deposit to begin with and other employees have received there checks through chime already

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TRUIST FINANCIAL CORPORATION
State: WY

Complaint narrative:
I requested numerous times the documents stating I authorize the transaction they have not provided any documentation from merchant. I have stated this was a fraudulent charge and they refused to honor charge back

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