vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: MECHANICS BANK
State: AZ

Complaint narrative:
XX/XX/XXXX my vehicle was repossessed. A XXXXXXXX XXXX XXXX in the middle of documented disputes and verification request. We asked for the chain of ownership and the orginal signed agreement we signed. We send documents asking to cease communication with us until the matter had been resolved and verified so we could bring current and make it right. With all the scams and fraud in the world we were being safe and cautious. my intent to pursue legal action for the unlawful repossession of my vehicle, in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Uniform Commercial Code ( UCC ), and Arizona state law. 

Despite two separate written requests sent to you on XX/XX/XXXX and XX/XX/XXXX requesting full account verification and a lawful response under the FDCPA and UCC 9-611, you failed to provide validation of the alleged debt. Additionally, I sent a cease-and-desist notice specifically instructing your organization not to proceed with any repossession or auction activity. This request was ignored, and on or around XXXX, my vehicle was repossessed without proper notice, justification, or legal process sketchy in the middle of the night with my trailer attached to it. 

This action has resulted in severe personal and professional damages, including : Interruption of my business operations ( I am a XXXX XXXXXXXX ) Loss of work vehicle and trailer Emotional distress and disruption to my family life Additional financial burdens caused by unlawful actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: TN

Complaint narrative:
I reported unauthorized charges totaling {$2800.00} after my phone was lost. I submitted a dispute to US Bank XXXX XXXX. They initially denied my claim, but later told me if I could provide a signed statement from the person who sold me my replacement phone, and prove I transferred my number, they would reconsider. 

I submitted all requested documents on XX/XX/year>, including a signed statement from the seller and proof that my original phone number was transferred to my new phone. 

Despite this, the bank has not resolved the claim. I have not received a refund, and I am experiencing financial hardship. I need this money to pay my rent. US Bank is causing unnecessary delays even though Ive followed every step. Im asking for this case to be fairly reviewed and for my {$2800.00} to be returned.

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 2025-06-24 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I was a victim of identity Fraud someone opened an account in my name fraudulently here are the details listed Creditor Name : CITICARDS CBNA Partial Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Credit Limit : {$4400.00} Balance : {$4400.00} ( as of XX/XX/XXXX ) Monthly Payment : {$85.00} Last Payment Date : XX/XX/XXXX Status : Open/Never late Responsibility : Individual Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Phone : ( 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I made a payment over the phone with a representative from XXXX on XX/XX/XXXX for the payment due XX/XX/XXXX. In XXXX I received a letter stating that the loan was being transferred to XXXX and that all payments after XX/XX/XXXX would need to be made to XXXX. I made the XXXX payment to XXXX on XX/XX/XXXX and the XXXX XXXX on XX/XX/XXXX. The XXXX and XXXX payments were made to XXXX. I did not find out that there was a late payment reporting to the XXXX bureaus until I applied for another loan in XX/XX/XXXX. I immediatly called and asked for a payment history from both companies. XXXX sent me a history and I noticed that they did not show a payment made in XXXX to XXXX. I called XXXX and they told me the loan wasnt theirs anymore and they couldnt help me. I have since discovered that for some reason, XXXX  never processed the payment through my bank in XXXX, I have no idea why this happened but I have never had a 30 day late on any qccount with this company over the five years that I have been with them. Both XXXX  and XXXX are reporting this loan to the credit bureaus as an active loan with a balance which is false. XXXX  should be reporting closed, transferred with a XXXX balance as of XXXX. XXXX is reporting the account as active and open with a 30 day late in XXXX which is also not correct. ALL of this violates the FCRA and I would like the companies to correct all three bureaus.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I made a payment over the phone with a representative from XXXX on XX/XX/XXXX for the payment due XX/XX/XXXX. In XXXX I received a letter stating that the loan was being transferred to XXXX and that all payments after XX/XX/XXXX would need to be made to XXXX. I made the XXXX payment to XXXX on XX/XX/XXXX and the XXXX XXXX on XX/XX/XXXX. The XXXX and XXXX payments were made to XXXX. I did not find out that there was a late payment reporting to the three bureaus until I applied for another loan in XX/XX/XXXX. I immediatly called and asked for a payment history from both companies. XXXX sent me a history and I noticed that they did not show a payment made in XXXX to XXXX. I called XXXX and they told me the loan wasnt theirs anymore and they couldnt help me. I have since discovered that for some reason, XXXX  never processed the payment through my bank in XXXX, I have no idea why this happened but I have never had a 30 day late on any qccount with this company over the five years that I have been with them. Both XXXX  and XXXX are reporting this loan to the credit bureaus as an active loan with a balance which is false. XXXX  should be reporting closed, transferred with a XXXX balance as of XXXX. XXXX is reporting the account as active and open with a 30 day late in XXXX which is also not correct. ALL of this violates the FCRA and I would like the companies to correct all three bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On multiple occasions, I have disputed the accuracy of this bankruptcy, and Experian has failed to delete this item. Recently, Experian stated that this account was verified as accurate by the company, yet failed to identify the actual furnisher of this information. 

As you are aware, PACER is not a furnisher or company and can not serve as a source of verification. All data must come directly from a source that can verify this account under the FCRA. 

I am formally demanding the following under 15 U.S.C. 1681i ( a ) ( 7 ) : The full name and address of the company and person who verified the bankruptcy information as accurate. 

The business phone number of that company or person. 

The complete manner and method in which this data was verified ( e.g. was the court directly contacted? was XXXX relied upon? etc. ). 

If you can not provide this information and evidence that this record was properly verified not merely parroted from a public-record database then remove this account immediately from my credit report! 

Please respond to this request within the time period specified under the FCRA attached file is the response i got nothing about how, who or anything. i will say this again. PACER is not the furnisher. please investigate with the furnshier. cause pacer is not on my credit report. if they were the furnisher they would be and there not.

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 2025-06-24 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: TX

Complaint narrative:
I am contacting you regarding several fraudulent accounts that have been reported on my credit file. These accounts were not opened by me, nor did I authorize anyone to use my personal information to create them. Their presence on my credit report is damaging, distressing, and completely inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My Equifax credit report is currently displaying multiple unauthorized inquiries that I did not initiate, approve, or consent to. These include inquiries from XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on both XX/XX/XXXX and XX/XX/XXXX, XXXX  on XX/XX/XXXX, and another XXXX  inquiry on XX/XX/XXXX. I did not apply for credit with any of these institutions on or near those dates, and no valid reason exists for these inquiries to be accessing my credit profile. Under Section 604 of the FCRA, credit reporting agencies must not release a consumer 's file unless the inquiring party has a permissible purpose and the consumer has given explicit authorization. These hard inquiries have negatively affected my credit score and are causing unwarranted harm. 

The volume and pattern of these inquiries raise further concerns about potential data misuse or unauthorized activity stemming from Equifaxs failure to properly screen inquiry requests. This is unacceptable and is a direct violation of my rights under the FCRA. Equifax is obligated to maintain the accuracy and integrity of the data it reports under Section 607 ( b ), and this failure represents a serious breach of that duty.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely or effective measures to prevent and address fraud on their platform, leaving my account with them vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: Experian Information Solutions Inc.
State: CA

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-06-24 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: FL

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

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ACCOUNTS : XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} BANKCRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} BANKCRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

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 non-monetary relief
Consumer complaint received 2025-06-24 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: AL

Complaint narrative:
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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 2025-06-24 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: AL

Complaint narrative:
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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In early XX/XX/year>, I opened a checking account based on a promotion for a {$300.00} bonus offered for opening that account. In late XX/XX/year> and mid XX/XX/year>, I called customer service to ensure I was on the right track requirement-wise to receive the bonus and during both calls, the customer service agents reviewed my account, reviewed the deposits, and positively confirmed I was eligible and that I would be receiving the {$300.00} by automatic deposit on XX/XX/year>. I didn't receive the money so I called on XX/XX/year> and the agent told me that my deposits were ineligible. I explained that two other agents had assured me I was eligible right up until the deadline of the promotion so I hadn't made any changes to my deposit method. I asked the agent to escalate the situation to a manager and he left me on hold for 45 minutes. After being on hold, he told me management would review my issue but that they would make an exception anyway and deposit the money to me in 3 days. After the 3 days, I received an email stating they reviewed my case and would not deposit the {$300.00} after all. I called today and 3 agents revealed that management found " no error on their part '' despite completely misleading me during by phone before the deadline by assuring me the deposits were eligible. They also stated that once a decision is made on an issue, they can not reopen the case or make any other changes. This is unacceptable and quite scam-y on their part, not only leading customers to believe they are meeting requirements beforehand but CONFIRMING they are, despite the fine-print, and then denying customers their bonuses so they don't have to cough up the money and don't have to do any extra work because apparently, management will only review an issue once and that's it.

Company response to consumer: Closed with explanation