vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I received a letter addressed to me from Synchrony Bank dated XX/XX/XXXX regarding XXXX XXXX XXXX. A letter came in the mail at the same time for this XXXX XXXX XXXX. dated XX/XX/XXXX. 

It states an application has been approved for a credit card account with XXXX XXXX XXXX. This letter is to notify you that your information was provided on the application as the personal guarantor of this account. 

If you have any questions or if we may be of further assistance please contact us at the address above which is Synchrony Bank, XXXX. XXXX XXXX, XXXX, PA XXXX No telephone number was provided. I contract XXXX bank by phone and I was transferred and given the phone number to the fraud department. I never got to speak to anyone though because it asked for information I didn't have since the telephone system was automated. 

Yesterday XX/XX/XXXX additional mail came for this XXXX XXXX XXXX with two credit cards enclosed. This is a home address there is absolutely no business at this address.

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 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I opened an account with Capital one after working very hard to get my credit score right. I used my card, set up direct pay for the full amount owed every month. The due date comes and it has my full payment posted for a week .. then it's sent back with no explanation. So I check my information and try again .. same result.. I call my bank and ask why .. My bank says that capital one sent it back .. reassured me that my bank wasn't the cause of my payment being returned. I call capital one and explain what's going on and ask them why they return my payment and asked if I could pay it all then to fix this and they denied me. Closed my account. So I spent 7 years fixing my credit so I could get a credit card to help build my credit. I kept money in my account for my bill. I chose direct payments at the full balance due for every month. Being as responsible as possible just so an error on their part can ruin my credit as soon as I got it... Unfair practice. Their mistakes should not be able to affect my credit or financial situation .. I went from a XXXX credit score to XXXX because they wouldn't except my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NC

Complaint narrative:
I am filing this complaint because Cash App has repeatedly denied my fraud dispute for unauthorized transactions on my XXXX XXXX, in violation of federal law. 

On XX/XX/year>, my Cash App Card was used without my authorization for multiple transactions, including a {$100.00} charge at XXXX XXXX XXXX XXXX. I immediately reported these transactions as unauthorized. Cash App denied my claim on XX/XX/year>, providing only a generic statement that no error occurred and attaching a PDF that simply restated my account history. No evidence was provided to show I authorized these charges. 

Cash Apps handling of my case violates the Electronic Fund Transfer Act ( EFTA, 15 U.S.C. 1693 et seq. ) and its implementing regulation, Regulation E ( 12 C.F.R. Part 1005 ), in the following ways : 1. Failure to Provide Proof of Authorization ( 12 C.F.R. 1005.6 & 1005.11 ( d ) ) Cash App has never provided any verifiable evidence that I authorized these transactions ( such as IP logs, device data, merchant authorization, or employee records ). Instead, they rely only on generic account summaries.

2. Failure to Provide Provisional Credit ( 12 C.F.R. 1005.11 ( c ) ( 2 ) ) No provisional credit was issued within 10 business days, despite my timely report of fraud.

3. Improper Denial & Bad Faith Handling ( 12 C.F.R. 1005.11 ( b ) ( d ) ) Cash App repeatedly closed my disputes and support chats with copy-and-paste responses, refusing to provide employee IDs, investigation notes, or supporting documentation. 
Their denials lacked transparency and failed to meet the regulatory requirement to provide a written explanation of the evidence relied upon. 
XXXX. Misrepresentation of XXXX XXXX Cash App advertises fraud protection for XXXX XXXX users but then denies legitimate claims without proof. This is misleading and potentially a violation of the FTC Act ( 15 U.S.C. 45 ).

As a result, I have suffered financial loss, stress, and emotional distress from being deprived of my funds and repeatedly stonewalled by Cash App. 



Resolution I Am Seeking I am requesting that the CFPB require Cash App to : Reimburse me in full for the unauthorized transactions. 
Provide a complete explanation and supporting documentation of their investigation. 
Correct their dispute-handling practices to comply with Regulation XXXX. 
Compensate me for the damages caused by their mishandling of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX. 

Account Number : XXXX Subject : Complaint Regarding Unlawful Account Hold by PNC Bank Dear Sir/Madam , I am writing to formally file a complaint against PNC Bank regarding my business account, XXXX XXXX XXXX XXXX Account No. XXXX. 

On XX/XX/year>, I deposited a check endorsed from XXXX XXXX XXXX XXXX, originally issued by XXXX XXXX XXXX XXXX, into my PNC account. Despite submitting all required documentation, including a letter from XXXX XXXX XXXX XXXX confirming the endorsement, the bank has placed my entire account on hold. 


This hold includes all deposits, such as cash, XXXX, XXXX transfers, and other legitimate funds, preventing any access to my account. The hold has now exceeded the standard XXXX business days allowed under Regulation CC for newly opened accounts. The bank has provided no legal justification for withholding funds that are legitimately available.

This situation is causing significant operational difficulties for my business. I respectfully request that the CFPB investigate this matter and require PNC Bank to :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I am submitting this complaint and formal dispute regarding inaccurate and fraudulent information being reported in my Early Warning Services consumer file, specifically related to XXXX XXXX XXXX XXXX. 

These accounts and negative records are the result of inaccurate and/or fraudulent reporting, and they are causing continued harm by blocking me from accessing basic banking services. I have never authorized, opened, or maintained the XXXX XXXX account ( s ) being reported.

Under the Fair Credit Reporting Act ( FCRA ) : 605C requires consumer reporting agencies to block information that results from identity theft when a consumer provides appropriate proof.

611 requires consumer reporting agencies to investigate disputed information and remove items that are inaccurate, incomplete, or can not be verified. 

Despite my attempts to resolve this, Early Warning Services has continued to report unverifiable information in violation of the FCRA. This is retraumatizing, damaging, and unlawful. 

I am demanding that the CFPB enforce compliance and that Early Warning Services immediately delete all XXXX XXXX XXXX XXXX XXXX and any other unverifiable or fraudulent items from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: TX

Complaint narrative:
I am filing a complaint because my credit report still shows a repossession with XXXX XXXX XXXX account number XXXX, which is incorrect and does not belong to me. I have already disputed this directly with the credit bureau, but they responded saying the account was 'verified. ' That response is inaccurate, as the reported account number does not correspond to me, therefore, this information is erroneous and is unfairly damaging my credit score. In accordance with the Fair Credit Reporting Act ( FCRA ), I request : An immediate reinvestigation of this account. Clear information on the verification method used by the credit bureau. The immediate removal of this inaccurate information from my credit reports, as it affects my access to fair credit and constitutes a violation of my rights as a consumer. I demand that this situation be corrected as soon as possible and that I be notified in writing once the account has been deleted.

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 2025-09-07 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
On XX/XX/2025, Aidvantage reported a late payment on my federal student loan account. I disputed this information with the credit bureaus, and the account was verified as accurate. However, Aidvantage claims they notified me of delinquency by mail and telephone, which I categorically deny ever receiving. 

I subsequently submitted a direct dispute letter to Aidvantages Credit Bureau XXXX department [ XXXX Mail : XXXX ; Return Receipt : XXXX ]. In that letter, I specifically requested verifiable proof of any mailed notices, proof of mailing, or telephone records. Aidvantage has failed to provide any such documentation. 

Despite not providing proof, Aidvantage continues to mark the late payment to the credit bureaus. This is inaccurate ; I called many times and sent mail letters. However, I can not verify such information, and they continue to maintain their claim. 

As a small business owner, I rely heavily on my personal credit profile for access to working capital. Since this inaccurate late payment was reported, my XXXX XXXX has dropped significantly. As a direct result, my available business credit lines have been cut in half, I have been denied approval for new credit cards, and existing cards have had their limits reduced substantially. This has directly harmed my ability to operate my business and manage cash flow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I reported fraud on my card ending XXXX couple months ago I believe back in XXXX or XXXX and they closed my account reverse my credits and didnt send the documents to the correct address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX XXXX XXXXXXXX -Date Opened XX/XX/year> - Balance {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: TX

Complaint narrative:
I am filing this complaint regarding fraudulent and unauthorized derogatory accounts that have appeared on my credit report. These accounts were opened without my knowledge or consent and are the result of identity theft. I have already contacted the credit bureaus and the furnishers to dispute these items, but they have either failed to respond appropriately or refused to remove the accounts. 
I have provided documentation, including a police report, FTC Identity Theft Report, and a written statement confirming the fraud. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be investigated and permanently removed from my credit reports. The continued reporting of these fraudulent accounts is causing financial and emotional distress. 
I am asking the CFPB to help ensure the credit bureaus and furnishers fulfill their legal obligations by conducting a proper investigation and removing all fraudulent information from my credit file.

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 2025-09-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding fraudulent and unauthorized derogatory accounts that have appeared on my credit report. These accounts were opened without my knowledge or consent and are the result of identity theft. I have already contacted the credit bureaus and the furnishers to dispute these items, but they have either failed to respond appropriately or refused to remove the accounts. 
I have provided documentation, including a police report, FTC Identity Theft Report, and a written statement confirming the fraud. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be investigated and permanently removed from my credit reports. The continued reporting of these fraudulent accounts is causing financial and emotional distress. 
I am asking the CFPB to help ensure the credit bureaus and furnishers fulfill their legal obligations by conducting a proper investigation and removing all fraudulent information from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: CA

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: PA

Complaint narrative:
Hi to whom this may concern. My name is XXXX XXXX XXXX and I noticed multiple inaccuracies reporting on my credit report in XX/XX/year>. Please remove it from my credit report as soon as possible. I didnt give any authorization whatsoever. These accounts do not belong to me!

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 2025-09-07 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: NY

Complaint narrative:
RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Regional Management Corporation
State: SC

Complaint narrative:
In XX/XX/year>, Regional Finance asserted a claim of indebtedness against me through their attorney. By asserting this claim, they took on the obligation to pursue the matter only in the manner provided by the governing loan agreement. 
In XX/XX/year>, I formally invoked arbitration under that agreement. From that point forward, if they wished to continue pursuing the claim, their only lawful forum was arbitration. The obligation to commence arbitration rested with them as the party asserting indebtedness. 
Despite this, in XX/XX/year> Regional Finance continued collection activity outside of arbitration by sending notices, and in XXXX and XX/XX/year>, they continued furnishing negative updates to the credit agencies. This conduct violates the arbitration agreement and constitutes furnishing unverifiable information under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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:
I am filing this complaint to bring to your immediate attention the failure of the national credit reporting agencies to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I submitted disputes to Equifax / Experian / TransUnion regarding inaccurate information on my credit reports. The FCRA, Section XXXX ( a ) ( XXXX ) ( A ), clearly requires credit reporting agencies to investigate consumer disputes and provide written results within XXXX days. It has now been more than XXXX days since my submissions, and I have received no investigation results, no explanation for delays, and no notice of any permissible XXXXday extension. This failure to act is not only unacceptable but constitutes a direct violation of federal law. The inaction of these agencies undermines my consumer rights, exposes me to ongoing harm from inaccurate reporting, and demonstrates a disregard for compliance obligations mandated by the FCRA. Their failure to respond within the statutory timeframe must be treated as a serious compliance violation warranting immediate enforcement action. I respectfully demand that the CFPB investigate this matter, require the credit bureaus to immediately provide results of my disputes, and hold them accountable for their noncompliance. Continued violations of the FCRA should subject these agencies to penalties and corrective action. 
I am attaching documentation of my dispute submissions for your review. Please confirm receipt of this complaint and advise on the corrective measures that will be taken. 
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ), that you, The TransUnion, Equifax, and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened. This account has resulted in items appearing on my consumer FICO credit report. I've attached the account in question as well as a copy of the fact that my personal information was impacted by the Equifax Data Breach, TransUnion Data Breach, XXXX Data Breach, XXXX Data Breach, and XXXX Data Breach. I do not recognize the aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my Identity Theft Affidavit as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. 
XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
A loan in amount of {$550.00}, a purchase from XXXX was opened on or around XX/XX/year>, a round trip flight booked and subsequently canceled. XXXX shows the purchase refunded back to Affirm, however, plan does not show refunded as of XXXX. A payment was made toward loan in amount of {$30.00} as down payment. To date, plan has not been canceled or refunded, despite refund issued from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In XXXX of XXXX  somebody who isnt ME opened a Wells fargo bank account. This person stole my identity using old information of mine including address and phone number from 15 years ago. Wells Fargo sent me a letter stating I owe XXXX from wire transfers when i had no idea account existed. I called fraud department and am still receiving letters stating pay now or will be submitted to my credit.

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 monetary relief