vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: NJ

Complaint narrative:
I am filing this complaint because Experian continues to report hard inquiries on my credit file without providing any lawful justification, documentation, or proof of permissible purpose, despite being disputed multiple times. The inquiries currently appearing on my report include XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXXXXXX dated XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX NA dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, and XXXX dated XX/XX/XXXX. Experian has failed to demonstrate that any of these entities had legal authorization to access my credit file, in direct violation of the Fair Credit Reporting Act. Allowing repeated third-party access to my credit report without proper authorization is not a harmless error, it is a serious breach of privacy and data protection. These inquiries have harmed my credit standing and continue to damage my financial profile. I am demanding immediate enforcement action requiring Experian to remove all inquiries that can not be supported by written proof of permissible purpose and consumer authorization. Experian has ignored its legal duty to safeguard my credit file and must now be compelled to correct these violations and secure my report from further unauthorized access.

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 2025-12-08 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: NV

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-08 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: NY

Complaint narrative:
Cash App has frozen a {$300.00} personal payment my father sent me on XX/XX/XXXX. We are both U.S. citizens, we both live in the United States, and we have used Cash App consistently for years. I have had my Cash App account since XX/XX/XXXX and my father has had his since XX/XX/XXXX. We have sent and received money between each other dozens of times with no issues. The last successful transfer before this was {$150.00} on XX/XX/XXXX. 
Cash App is now claiming the XX/XX/XXXX payment might violate U.S. sanctions, which makes no sense because neither of us has ever been sanctioned, involved in anything illegal, or connected to any restricted country. We didnt even know what a sanction was until Cash App accused us of this. They refuse to release the funds OR return them to my father, and it has been over a month with the money still pending. 
Cash App is withholding my money without explanation and is threatening to deactivate my account. This has caused financial hardship, including late fees on bills and delaying required employment fingerprinting. I believe Cash App is improperly using sanctions compliance as an excuse to keep consumer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
I am filing this complaint regarding multiple hard inquiries reported on my credit file without documented proof of permissible purpose as required under FCRA 604. I have requested verification of authorization and signed application, but the credit reporting agency has not provided valid evidence showing I granted permission for these parties to access my consumer report.

I am requesting the CFPB to compel the reporting agencies and creditors listed below to provide documented proof of permissible purpose ( including signed application and date of authorization ), or remove these inquiries from my report under FCRA 604 ( b ) and 611 ( a ) for unverifiable reporting. 

List of inquiries to verify or delete for lack of permissible purpose : 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 XXXXXX/XX/XXXX If documentation proving authorization and permissible purpose can not be produced, I request immediate removal of these inquiries and correction of my consumer file accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 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 non-monetary relief
Consumer complaint received 2025-12-08 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 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 2025-12-08 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: FL

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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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.

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 2025-12-08 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: IL

Complaint narrative:
I am a consumer requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these items individually with each credit bureau. Under the Fair Credit Reporting Act ( FCRA ), please verify all information and remove anything that can not be fully validated. 
Charged Off Accounts Bankruptcy XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$600.00} Inquiries 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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Formal Complaint Summary PNC Dispute Handling I am writing to file a formal complaint regarding PNCs handling of my dispute for a {$1000.00} charge related to a vehicle deposit that I never used and a purchase that never occurred. 

Background On Claim # XXXX, I disputed a {$1000.00} charge placed as a deposit for a vehicle at XXXX. The transaction was never approved, no documents were signed, and I never took possession of the vehicle. Because no contract existed, I had no documentation to provide beyond the required details of the car ( make, model, year, and XXXX ). 

XXXX XXXX PNCs XXXX PNC sent a letter dated XX/XX/year> requesting additional information. I responded with everything I had, reiterating that no documents existed because the purchase never happened. 
PNC then sent a denial letter also dated XX/XX/year>, but the postmark was XXXX days later, and I did not receive it until XX/XX/year>. 

After receiving the letter, I immediately contacted customer service and explained that : It is not the consumer 's obligation to prove a charge invalid. 

PNC should have contacted XXXX to request proof that the charge was valid. 

PNC did not attempt to recover the funds or contact the merchant at all. 

I was repeatedly told on XXXX separate calls that there were no notes on the claim and no investigation updates. 

Second Claim Filed On XX/XX/year>, a PNC supervisor filed a new claim ( # XXXX ) and assured me all details were documented. I also emailed the dispute department again with the information. 

However, on XX/XX/year>, I received a denial letter for the second claim stating " Untimely Notification to PNC. '' This is not accurate, as : I reported the dispute immediately after learning the charge was not valid. 

Delays were caused by PNCs slow mailing practices and lack of follow-up, not by me. 

Lack of Reasonable Investigation Despite multiple requests, I never received : The backup documentation used to deny either claim, A call back from the dispute supervisor, or Confirmation that PNC made any attempt to contact XXXX for validation. 

Had PNC contacted the merchant, XXXX would not have been able to prove the charge was valid, as no agreement, no paperwork, and no vehicle delivery occurred. 

My Expectation As a consumer, I expected a reasonable, good-faith investigation, including contacting the merchant to verify the legitimacy of the charge. That did not occur. The handling of this dispute was inadequate, untimely, and did not align with standard dispute procedures or fair consumer practices. 

I respectfully request : A full review of both denied claims. 

Copies of all documentation used to deny both disputes. 

Confirmation of whether XXXX was ever contacted. 

Corrective action to reimburse the {$1000.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
My first part of complaint is with XXXX, purchase made during XXXX XXXX were never delivered from XXXX. The app still showing my items are in transit as of XX/XX/XXXX. Trying to resolve with their container service, they only use AI, I believe and reassure me that my refund will not be honored nor will my item be delivered. XXXX also responded to Netspend on my dispute that that the charge of {$310.00} is valid without error. I was never refunded and if XXXX offered a store credit, I was never notified. My items were never delivered.

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 2025-12-08 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy of certain late payment entries appearing on my credit report. These entries do not accurately reflect my payment history. I have previously submitted multiple requests for investigation, along with all required documentation, yet the inaccuracies have not been corrected. The continued reporting of these erroneous entries has caused me significant financial hardship and emotional distress. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and complete credit report. This includes the right to have any information that is inaccurate, incomplete, or unverifiable promptly corrected or removed. Despite my repeated attempts to resolve this matter, these inaccurate entries continue to appear on my report without justification or adequate explanation. 

I am therefore requesting that you conduct a thorough and immediate investigation into the disputed late payment entries. Please review the documentation I have provided, verify the accuracy of the information with the furnisher, and update or remove any entries that can not be fully verified or that inaccurately reflect my payment history.

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 2025-12-08 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-08 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-08 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: CA

Complaint narrative:
These accounts are not connected to me ; they must be cleared within 15 days as USC 1681g states.

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 2025-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trust Financial LLC
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX is attempting to collect consumer medical debt and is filing lawsuits in Wyoming courts without being legally licensed as a collection agency in Wyoming. Their attorneys, XXXX & XXXX XXXX, including attorney XXXX XXXX, are filing these lawsuits on their behalf. 

They filed a lawsuit against me : XXXX XXXX. : XXXX They have filed many other cases statewide this year and continue to file them. 

This violates : FDCPA 807 ( 2 ) ( A ) false representation of legal authority FDCPA 807 ( 5 ) threatening/initiating legal action they can not legally take FDCPA 809 improper validation Unfair or deceptive acts under federal law I request a full federal investigation and enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: IL

Complaint narrative:
For the past four months, I have notified TransUnion that these accounts were created as the result of identity theft and requested a 605B identity-theft block. TransUnion has not complied with these requests nor have they given me any of the evidence which supports their claim that the account is valid. Attached is the pre-litigation demand letter I issued to them.

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 2025-12-08 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington did not give me funds out of my account and they are taking forever to give my credit for my {$1200.00} that was deposited XX/XX/year> and another dispute for my {$430.00} from very long ago that makes no sense for my funds to be on hold for no reason I have not committed any fraud. If I do not recieve my funds before or on XX/XX/year> this will be a civil case that I will now XXXX Huntington for {$5000.00} for discrimination and misuse and data breach of my information. Call me at XXXX to get this resolved

Company response to consumer: Closed with explanation