vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, somebody got into my account. And transferred {$880.00} into their account from Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
Good day, In this letter, I would like to request that the following outstanding payment be removed from my credit report. Apparently, there is an error on the bill. I never failed to make a payment on this item. Due to the fact that my account is configured to receive payments automatically, I have never missed a payment. Change the time to never late, please. All the necessary documents are included in this letter.

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 2025-12-26 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
FollowUp Evidence of Continued Unauthorized Activity XXXX XXXX Provisioning Attempt on XX/XX/year> I am submitting additional evidence showing that unauthorized activity involving the fraudulent PayPal Credit Card account continued even after my initial complaint. This new evidence further contradicts Synchrony Banks claim that no unauthorized activity occurred and demonstrates that the account was compromised at multiple points. 
On XX/XX/XXXX, I first became aware of unauthorized activity when I received notifications related to this account. I immediately contacted the company to report the account as fraudulent and requested that it be closed and investigated. I also requested documentation of the investigation, including device information, IP logs, authentication logs, and any digitalwallet provisioning records. 
On XX/XX/XXXX, additional unauthorized activity occurred. I again contacted the company and repeated my request for investigation details and supporting documentation. The company did not provide the information I requested and did not explain how the account was opened or how the unauthorized activity occurred. 
On XX/XX/XXXX at XXXX XXXX, I received an email from the company stating : One last step to add your card to XXXX XXXX and Finish setting up your PayPal Credit Card in your XXXX XXXX. I did not attempt to add this card to XXXX XXXX, and I do not use XXXX XXXX. This message indicates that someone attempted to provision the fraudulent card to a digital wallet, which requires device access, authentication, and issuer communication. This is clear evidence of continued unauthorized activity.

Despite multiple requests, the company has not provided the required investigation documentation, including device or digitalwallet provisioning logs, nor have they explained how these unauthorized events occurred. The companys prior response claiming no unauthorized activity occurred is contradicted by their own systemgenerated messages.

I am requesting that the company : 1. Acknowledge the account and all related activity as unauthorized.

2. Provide all device, IP, authentication, and digitalwallet provisioning logs
associated with the unauthorized events on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
3. Provide a complete investigation report.

4. Remove any liability and ensure no negative information is reported to credit bureaus.

5. Explain why these events were not disclosed or addressed in their prior response.

This complaint concerns an account that was opened without my consent, ongoing unauthorized activity, and the companys failure to properly investigate or provide required documentation.

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 2025-12-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: WA

Complaint narrative:
I started a dispute told cash app what has happened with the subscription and with customer service after 4 minutes of being subscribed and talking to customer service on XX/XX/year>. It was denied and they won't help me get my money back at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good day, In this letter, I would like to request that the following outstanding payment be removed from my credit report. Apparently, there is an error on the bill. I never failed to make a payment on this item. Due to the fact that my account is configured to receive payments automatically, I have never missed a payment. Change the time to never late, please. All the necessary documents are included in this letter.

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 2025-12-26 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
I did not consent to arbitration for any company to use my personal information for corporate fishing scheme are for insurance XXXX and other third party company have been soliciting consumer and taking advantage of consumer with XXXX XXXX  with consumer data to help gain profit and assistance other that lead to financial hardship to the consumer and personal information which is illegal XXXX use a entrapment business tactic to XXXX to very abusive to the consumer rights and federal consumer rights XXXX haven't verified anything why it's share consumer data to data furnishers company for it's a manipulation to profit off consumer reports

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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TransferWise Ltd
State: NY

Complaint narrative:
Wise has been illegally maintaining an incorrect tax status for me for over 18 months. I became a US tax resident over 18 months ago. I have tried more than 20 times to update my tax information, filing 10+ tickets, and filing a formal complaint.

Most customer support responses were nonsensical and did not even respond to my actual issue ( updating my information to reflect US tax residency and adding tax details ), or if I did receive a relevant response, they said they would look into it, or escalate, and when I would follow up, no matter how many times, I would inevitably not hear back. I am sitting at the end of the 2025 tax year and Wise is still illegally preventing me from updating my tax information despite my best attempts. 

This is an absolute disgrace for a cross-border payments company. Every single one of their responses have been truly pathetic, and I strongly encourage consumers to seek out any other cross border payment service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewi

ng my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. Thank you for your prompt attention to this matter. I look fo
rward to hearing from you soon regarding the resolution of this dispute.

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 2025-12-26 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: FL

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewi

ng my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. Thank you for your prompt attention to this matter. I look fo
rward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Address does not match account. XXXX XXXX XXXX XXXX is not my address and has never been my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Address does not match account. XXXX XXXX XXXX XXXX is not my address and has never been my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian : XXXX XXXX {$0.00} Account Number : XXXX open/closed status : Closed Date opened : XX/XX/year> Transunion : XXXX XXXX {$0.00} Account Number : XXXX open/closed status : Closed Date opened : XX/XX/year>XXXX  Equifax : XXXX XXXX {$0.00} Account Number : XXXX open/closed status : Closed Date opened : XX/XX/scrub> 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 2025-12-26 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-26 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: VA

Complaint narrative:
On XX/XX/year>, Cash App ( XXXX, XXXX ) initiated an ACH debit of {$25.00} from my checking account without my authorization. My debit card had been cancelled on XX/XX/year>XXXX  and is not involved in this dispute. 

Cash Apps own application labels the transaction as Add Money XXXX XXXX  and shows it as completed, transferred from my bank account to my Cash App balance. I did not initiate or authorize this transfer. 

I disputed the ACH debit with my bank, which returned the funds after review. Following the banks return, Cash App imposed a negative balance instead of providing proof of authorization. 

I requested ACH authorization documentation from Cash App, including the originator name and ID, originating bank ( ODFI ), and the date, method, and record of authorization. Cash App has not provided this information and has instead given inconsistent explanations and conflicting dates, and improperly tied the transaction to a debit card despite the transaction being ACH-based. 

Cash Apps transaction records and balance statements do not reconcile with my banks ACH records. I am requesting regulatory review of this unauthorized electronic fund transfer and Cash Apps failure to provide required ACH authorization documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
Please correct/update this inaccurate information on my credit report

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 2025-12-26 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: NY

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-12-26 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: NY

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-12-26 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: MI

Complaint narrative:
XXXX XXXX XXXX is furnishing inaccurate credit information to TransUnion in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
An auto loan from XXXX XXXX was included in my bankruptcy discharged on [ XX/XX/year>XXXX  ]. Despite this, XXXX XXXX is reporting the account on TransUnion only as open with past-due payments and incorrect payment history. 
This reporting is inaccurate and misleading because : The account was included in bankruptcy and is no longer legally enforceable The account can not be open after bankruptcy Past-due payments are being reported after the bankruptcy filing date, which is prohibited The account does not appear on XXXX  or XXXX, indicating inconsistent and unreliable reporting I disputed this account directly with TransUnion and provided bankruptcy documentation. However, the account was either not corrected or was improperly verified without resolving the inaccuracies. 
15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after dispute This inaccurate reporting is causing ongoing harm to my credit profile.

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 2025-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fairway Independent Mortgage Corporation
State: WY

Complaint narrative:
I am submitting this complaint regarding the apparent unauthorized access to and disclosure of my non-public personal financial information by an employee of Fairway Independent Mortgage Corporation, XXXX XXXX, or through Fairway personnel. 

In XX/XX/XXXX, I communicated with a Fairway employee, XXXX XXXX, regarding a potential bank-statement mortgage product. In connection with that inquiry, I provided copies of my bank statements. I ultimately did not obtain financing through Fairway and completed my home purchase through a different lender. I did not authorize disclosure of my financial information to any third party. 

On or about XX/XX/XXXX, XXXX XXXX made statements to my stepchildren, including a XXXX minor, asserting that I cheat on my taxes and referencing the relationship between my bank-statement cash flow and my tax returns. These statements were false and demonstrate apparent knowledge of non-public personal financial information that was provided to Fairway in confidence. 

XXXX XXXX has no personal, professional, or lawful basis to possess or discuss my financial information. The statements raise serious concerns that Fairway consumer data may have been improperly accessed, disclosed, or discussed outside a legitimate business purpose, in potential violation of privacy and safeguarding obligations, including those under the Gramm-Leach-Bliley Act. 

I have submitted a formal compliance complaint directly to Fairway Independent Mortgage Corporation and am requesting that the CFPB review this matter to ensure appropriate investigation, data-protection controls, and corrective action. 

I am prepared to provide additional documentation, dates, and statements if requested.

Company response to consumer: Closed with explanation