vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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:
To : Consumer Financial Protection Bureau Office of the Comptroller of the Currency XXXX XXXX  Disputes Department Subject : Formal Complaint Regarding Mishandled Dispute by Cash App/ XXXX XXXX I am filing a formal complaint against Cash App ( Block , Inc. ) and its partner bank, XXXX XXXX, for mishandling my dispute in violation of Regulation E ( Electronic Funds Transfer Act ). 

On XX/XX/year>, I purchased a vape product using Cash App. The item was defective and did not work. The merchant refused to provide a refund. I submitted a dispute to Cash App, which was denied within one business day, with the explanation that the merchant fulfilled their obligation. It is not possible that Cash App could have contacted the merchant, reviewed evidence, and conducted a reasonable investigation in that time frame. 

After I challenged this decision, Cash App sent me an email ( Ref # XXXX ) claiming no further action will be taken and refusing to provide additional support. Later, they contradicted themselves again by closing my case ( Ref # XXXX ) with a different explanation, falsely claiming that I had failed to respond within 3 days. This is demonstrably false, as I responded to their requests in a timely manner. In fact, Cash App failed to provide all of the mandatory questions they referenced, making it impossible to comply. 

These shifting and contradictory explanations ( 1 ) denial in one day without investigation, ( 2 ) refusal to take further action, and ( 3 ) false claims of no responseclearly show that Cash App did not conduct a reasonable investigation and instead acted in bad faith to deny my claim. This is a violation of Regulation E and constitutes unfair and deceptive practices ( UDAAP ).

I request the following : 1. That my dispute be reopened and properly investigated. 


XXXX. Documentation of all communications between Cash AppXXXX XXXX and the merchant. 


3. A refund for the defective transaction. 


4. Assurance that Cash App and XXXX XXXX  will comply with Regulation E in handling future consumer disputes. 


5. Commitment from Cash App to improve dispute resolution and customer service practices so that consumers receive timely, accurate, and fair treatment. 



Supporting evidence includes : Screenshot of the defective product.

Proof of the merchant refusing refund. 

Cash Apps denial in 1 day. 

Email from Cash App stating no further action. 

Repeated emails falsely claiming I failed to respond within 3 days, despite proof that I did. 


I respectfully request that the CFPB, OCC, and XXXX XXXX  review this complaint and take corrective action to ensure compliance with consumer protection laws, and to provide restitution in the form of a refund for my disputed transaction. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXXcct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX BANK acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct XXXX XXXX, XXXX  XXXX acct # 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 2025-08-22 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXXcct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX BANK acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct XXXX XXXX, XXXX  XXXX acct # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I checked out my credit profile and realized there was some hard inquiries that are not mine.

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 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unifin Inc.
State: FL

Complaint narrative:
I checked my credit report, and I called a company called XXXX XXXX XXXX to settle this account, but they told me that don't have this account anymore. and told me a company name Unifin Inc has my account. On my credit report it's still showing XXXX XXXX XXXX, but Unifin Inc attempted to collect the {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: LA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: FL

Complaint narrative:
I am following up on my complaint against TekCollect.

TekCollect responded by providing me only with a copy of the contract I originally signed with XXXX. However, this does not constitute full debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, TekCollect has not provided : An itemized statement showing how the alleged balance was calculated. 

Documentation showing the chain of assignment/ownership, proving that TekCollect has the legal right to collect on this account. 

Proof that the debt is legally enforceable given that XXXX filed for bankruptcy in XX/XX/year> and failed to complete my treatment, breaching the contract. 

At this point, TekCollect is reporting a debt that appears invalid and unenforceable. They have not demonstrated their legal authority to collect or that I owe the amount claimed. 

Because all of this does not look legitimate, I am requesting that this account be removed from my credit report and closed immediately. If this matter is not resolved in my favor, I am prepared to pursue legal action to protect my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: NV

Complaint narrative:
I submitted a dispute for a collection that is reporting on my credit report. I provided the evidence that I tried contacting the company via certified mail twice to two different address and both times the mail was returned. The dispute results has the same address for the collection company on the letter for me to contact them which is the same inaccurate unreachable address. I spoke with XXXX  representative XXXX XXXX on XX/XX/XXXX ) as well as XXXX ( XXXX on XX/XX/XXXX ) and they are stating that the company verified that the collection acct is accurate, but they don't have any proof in writing as I requested. They are claiming that the lack of inaccurate address was nothing that they could help me with and they refuse to remove the inaccurate reporting acct. due me not having a fair chance to dispute it directly with the reporting company. I am submitting proof of the two times that I attempted to contact them via certified mail, the returned envelope for 1 attempt, receipt for the 2nd attempt as well as 2 copies of my lease to prove where I resided in XXXX from XX/XX/XXXX to current as well as my previous address in XXXX XXXXXXXX. I resided at the XXXX address from XX/XX/XXXX to XX/XX/XXXX. I relocated to XXXX XXXXXX/XX/XXXX but my job had me living in XXXXXXXX XXXX  until XX/XX/XXXX, then I moved to XXXX XXXXXXXX XXXX and have resided here since. 
If they did a thorough investigation the dates that I supposedly resided in XXXX  or owe a balance for an residence I have proof of my address being in a totally different state 3 years prior to the current date. Also I looked at the 1st reported dates or the acct open dates are not even the same, therefore that alone is inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: AZ

Complaint narrative:
I previously submitted a dispute on XX/XX/year> regarding this matter. However, your investigation failed to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611, which requires you to conduct a reasonable investigation. Simply verifying with a third-party database or public record vendor does not constitute a reasonable investigation, especially when I have provided clear notice that the item does not belong to me. 

They have presented consistent Failure to comply with your obligations under the FCRA will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and consider legal action for damages. 

This is a final request for correction of this inaccurate and fraudulent information. Please remove the bankruptcy immediately and provide me with an updated copy of my credit report reflecting the deletion.

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 2025-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: NRA Group, LLC
State: PA

Complaint narrative:
Hospital bill from a car accident and the other party didnt have car insurance, so they never paid the bill its not my fault. They were at fault and I was pregnant and the police made me go to hospital. If I known I had to pay I wouldve used my own insurance not the ppl from the car that was at fault. Everyday Im being XXXX all hours of the morning and night.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XXXX XXXX XXXX, I happened to see in my mobile app that my Zelle Account with my XXXX  XXXX XXXX XXXX Checking Account has been restricted by the XXXX  XXXX XXXX XXXX They asked me to call a given number. I called them and one of the Customer Service Representatives said it was not closed by XXXX  XXXX XXXX, but by Zelle. So, I should contact Zelle. I called Zelle and one of their Customer Service Representatives said that once Zelle had been opened by our partner Bank, neither we have access, nor any control nor we monitor your Account. Everything is done by the Bank. Again I called XXXX  XXXX XXXX and informed them what Zelle said. Bank did not or could not reply properly. Next day I again called XXXX XXXX XXXX and informed the same thing what Zelle said. This Customer Service Representative said the same thing as of XX/XX/year>. On XX/XX/year>, I called Zelle and they said the same thing as of XX/XX/year>. I immediately called XXXX  XXXX XXXX and informed them what Zelle said. This Customer Service Representative of the Bank confessed that Bank did it and he would send an email to their own Fraud Prevention Department to re-open my Zelle Account. On XX/XX/year>, someone from XXXX  XXXX XXXX informed me that they won't re-open my Zelle Account. All the calls are recorded there with XXXX  XXXX XXXX and Zelle and can be called by CFPB for verifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX. This inquiry is not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXXXX/XX/year>.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because all three credit bureaus continue to report false and damaging late payment information tied to several of my accounts, despite the fact that these accounts are either open and current or fully paid and closed with no past due balances. Specifically, the accounts include XXXX ( XXXX XXXX XXXX XXXX XXXX  ) showing an alleged late payment on XX/XX/XXXX while the account is still listed as open and current with no past due balance, XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX ) reflecting an inaccurate late payment on XX/XX/XXXX even though it is reported as open and current with XXXX past due, XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) wrongly showing a late payment from XX/XX/XXXX despite the fact it is paid and closed with a XXXX balance and no delinquency, and XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) showing a XX/XX/XXXX late mark on an account that was also paid in full, closed properly, and with no past due balance whatsoever. These accounts should not carry late payment histories under these conditions, yet the bureaus are reporting them as though I were delinquent. 

This is not only misleading but an outright violation of the Fair Credit Reporting Act. Under 15 U.S.C. 1681e ( b ), each consumer reporting agency is obligated to maintain maximum possible accuracy when preparing credit files. False late payments on accounts that are open and current, or closed and fully satisfied, are the very definition of inaccurate reporting. Additionally, under 15 U.S.C. 1681i, when I file a dispute, the bureaus are legally required to reinvestigate and either verify the accuracy of the disputed information or delete it if it can not be verified. Passing along the same flawed information from furnishers without demanding real proof is not a reinvestigation ; it is negligence. By leaving these late payments on my record, the bureaus are disregarding their statutory duty to ensure accuracy and are causing tangible harm to my financial reputation. 

The personal impact of these errors is severe. Because of these false late marks, I have had difficulty securing favorable lending terms, been forced into higher interest rates, and had my credibility questioned by lenders and financial institutions. I am being penalized as if I were irresponsible when, in fact, these accounts reflect responsible handling. Beyond the financial harm, the stress of repeatedly disputing and being ignored has taken a toll on my peace of mind. Each time I see these incorrect marks on my report, I feel the weight of being unfairly judged for something I did not do. The law is designed to prevent exactly this kind of harm, yet the bureaus failure to comply with their obligations under the FCRA has left me carrying the consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: LEXISNEXIS
State: TN

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within XXXX business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I received alerts from XXXX credit bureaus of a hard inquiry from Capitol One credit card. I contacted Capitol One and an application was made for a Capitol One XXXX card. I reported it as fraudulent as I did not apply for a credit card. That application was removed. On XXXX, there were hard inquiries from Capitol One and also XXXX. I contacted XXXX and an application for a credit card was made. I reported it as fraudulent as I did not apply for a credit card and that application was removed. I placed a credit freeze with XXXX, XXXX  and XXXX  on XX/XX/year> after speaking with all three credit bureaus.

Company response to consumer: Closed with explanation