vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: TX

Complaint narrative:
On XX/XX/year>, I used Cash App to purchase a product from XXXX for {$37.00}. The payment went through immediately, but I never received any confirmation of my order, nor did I receive the product itself. Despite multiple attempts to contact the merchant, I have received no response. 

I filed a dispute with Cash App, but they refused to provide a refund. Their policy states they will not dispute charges older than 60 days, which is unreasonable because some companies take that long or longer to ship. This policy leaves consumers unprotected, as it allows merchants to take money without delivering goods while Cash App avoids responsibility. 

In this case, I paid for something that was never delivered, received no communication from the merchant, and Cash App has failed to protect me as a consumer. 
( I have proof but it wont let me attach an image below. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: UT

Complaint narrative:
My name is XXXX XXXX, and I am trying to recover access to one or more Cash App accounts that I previously created and verified using my Social Security number. I no longer have access to the email addresses or phone numbers that were used at the time, but I am the rightful owner of the accounts. 

I know for a fact that at least one of the accounts has a few XXXX dollars in it. I contacted Cash App support and provided them with my full legal name, date of birth, last four digits of my Social Security number ( XXXX ), and a photo of my government-issued ID. I requested a list of accounts associated with my personal information under the California Consumer Privacy Act ( CCPA ). 

Cash App refused to help and told me to file a complaint instead. They are refusing to verify my identity through the information I provided, despite the accounts being linked to my verified SSN.

I am asking for help recovering access to any Cash App accounts tied to my personal information so I can retrieve any funds that legally belong to me. 

Full Name : XXXX XXXX Date of Birth : XX/XX/year>XXXX  Last 4 of SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CA

Complaint narrative:
My family is stalking and harassing me all day long for being XXXX. They hack my phones and show people videos of me hoping they join in. The banker was laughing throughout the fake process of show my id. Told me nothing she can do today call me tomorrow she said. Next day I need to bring more proof of who I am so she could email the fraud department. She said fraud department had to release the money. And I had to call them The numbers I was given was not for the fraud department. I XXXX  the real number and they said only the person who put the hold can take it off. Witch is the person who giving me the run around while she laughs. Accounts still frozen no help from anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-20 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 submitting a formal complaint against TransUnion and Equifax for failing to properly investigate my credit disputes regarding an account reported by XXXX XXXX XXXX. Both bureaus marked my disputes as verified, yet the furnisher ( XXXX XXXX XXXX ) later corrected the balance proving my disputes were valid and not reasonably investigated. 

Attached is my detailed complaint letter along with supporting documents. I respectfully request the CFPBs assistance in requiring TransUnion and Equifax to correct the inaccuracies, provide their verification methods, and ensure compliance with the FCRA. 

Thank you for your assistance. 

Sincerely, 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 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Complaint : I am submitting this complaint regarding my American Express XXXX XXXX XXXX and the denial of the advertised bonus points for which I was eligible. 

I signed up for the card with a promotional offer of XXXX Membership Rewards points after spending {$20000.00} in the first 3 months. I completed this spending within the first two months. 

On the day my account was opened, I spoke with an American Express representative who confirmed I would receive the bonus points. After escalating the situation internally, the matter was handled by Executive Customer Service, who were unable to credit the points but conducted a financial review, which I successfully passed. 

Following the review, I was repeatedly assured by multiple representatives that the points would be awarded. Despite these assurances, the points were ultimately denied without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: FL

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
First Home Mortgage customer. My loan was transferred to a new service provider. Cornerstone. During the transfer, my loan was ending a forbearance program with the old service provider and entering a trial period payment plan, with the new servicer, to ensure I am able to resume regular payments. Once the three-month trial period ended, my new payment amount would be locked in, and I would resume as regular ( making normal monthly payments on time ). I was advised and received documentation that trial payments would need to be made during the months of XXXX, XXXX, XX/XX/XXXX. In XXXX I had not yet received a welcome letter from the new servicer. However, having their information, provided by the old servicer, I mailed in a check to cover my first month trial payment. I mailed the payment in late XXXX, in such a way that it could be tracked through the mail to ensure it arrived on time. By XX/XX/XXXX the payment had not arrived at the new servicer. Therefore, to ensure that the payment was made and I can continue with the trial payment plan, I called the servicer and made a payment over the phone. About a week later, the check was located and cashed by XXXX  resulting in XXXX payments in the month of XXXX. XXXX came around and I made another trial payment on time. Therefore, by XXXX I had completed the payments for all three months early ( though not intentional ). Later, I was advised by loss mitigation not to make a payment in XXXX. Since then, I have had 3 calls from loss mitigation, advising me that " management '' is reviewing my file. They have concluded that since my payments were early, I have forfeited the trial period plan and will have to begin again. I asked, why should I be punished for paying in advance. I have yet to get a comprehensive answer. Again, I was advised on XX/XX/XXXX that I will not " advance to a permanent loan modification. '' but must repeat the trial period in XXXX, XXXX XX/XX/XXXX. I asked where in the XXXX XXXX XXXX XXXX documents does it indicate that early payments would hamper my ability to transition from trial, to permanent loan modification. I have yet to receive a comprehensive answer. This decision by XXXX loss mitigation is non sensical, as I have met the payment requirements to transition to the permanent loan modification. I believe it is in retaliation for another CFPB compliant I placed in XXXX against them and successfully won. I would appreciate any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously filed a complaint with the CFPB against XXXX on XX/XX/year>XXXX  regarding a 90-day late payment mark that dropped my score from XXXX to XXXX. XXXX has not responded to the original complaint after more than 90 days. This lack of response shows non-compliance with CFPB complaint protocols. Furthermore, the continued reporting of a 90-day late payment remains inaccurate and unfairly punitive. I am submitting this new complaint to request escalation and require XXXX to correct their reporting to reflect the account as Paid as Agreed or to remove the derogatory 90-day late mark entirely.

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 2025-08-20 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: TX

Complaint narrative:
I have no ties to these fraudulent accounts. I ask for immediate removal from my record and a comprehensive investigation. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Finkelstein, Kern, Steinberg & Cunningham, PC
State: TN

Complaint narrative:
To Whom It May Concern, I am writing in response to a collection notice I received from your agency regarding an alleged debt with account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, referenced in your communication dated XX/XX/year>XXXX  This letter is sent in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, which grants consumers the right to dispute the validity of a debt and request verification. 
I am formally disputing the validity of this debt and requesting that you provide full verification of the debt as required by law. Until proper validation is provided, you must cease all collection activities, including reporting this debt to any credit reporting agency, as stipulated in 15 U.S.C. 1692g ( b ).

Please provide the following information : The name and address of the original creditor. 
The amount of the alleged debt and a breakdown of any interest, fees, or other charges. 
Documentation that verifies I am legally obligated to pay the alleged debt. 
A copy of the original signed agreement, or other proof, that establishes the debt and your authority to collect on it. 
Proof that your agency is licensed to collect debts in my state, if applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NJ

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

1681c2 ) that you, the TransUnion 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 : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} 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, 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 2025-08-20 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 have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX XXXX XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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