vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: IL

Complaint narrative:
l 've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-11-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
l 've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
From the period of XXXX through XXXX, I was scammed out of approximately {$16000.00} by XXXX individuals living in XXXX. Most of what I was scammed was through Cash App. 

So far, I have gone through XXXX rounds of the dispute process with Cash App. The first dispute was denied, with Cash App 's rationale being that because I physically authorized these transactions, they were not eligible to be disputed. However, I appealed and am still waiting for a response from Cash App. Additionally, I am in the process of filing a police report that when completed I will forward to Cash App. 

Additionally, I have sent both Cash App and the local police department - - Screenshots of my conversations with the individuals responsible for the fraud. 
- An XXXX report detailing each transaction. 

XXXX of the additional problems that I have experienced is that Cash App does not have an email address that is monitored. As such, there is no guarantee that what I am submitting will even be found. Because of that, I have cc'ed Cash App executives on the information I am sending to them. 

For verification, the dispute appeal that is still active is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX CARD # XXXX CAF # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> 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 2025-11-08 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:
Emailed Debt Collection Agency, XXXX XXXX XXXX, on XX/XX/XXXX regarding a Formal Dispute & Debt Validation Request with XXXX XXXX. I was never notified of this charge and I was flagged via XXXX XXXX for an outstanding amount of {$600.00}, saying that the account was opened back on XX/XX/XXXX. I never received any email/mail/phone call or text regarding this information. 

I continued to request a dispute with TransUnion via XXXX XXXX on the same day, noting that. I was approved of my dispute request on XX/XX/XXXX. 

A month has passed and the collections is still showing on my account. I still received no word from XXXX XXXX for the validation and I opened up a reinvestigstion with TransUnion. I would like your help to have this removed from my account immediately

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 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Total Card, Inc.
State: NC

Complaint narrative:
XXXX {$220.00} to XXXX  for car tag renewal. Was informed that information I entered ( card number, CCV, or zip ) was incorrect. I countered that information entered was not entered incorrectly as this was for an item that was legally necessary to operate my vehicle. Asked for rejection code that was given for this transaction. Customer Service agent ignored me. Asked to speak with a supervisor. Supervisor reiterated the above and also did not give rejection code when asked. Was then told that the website in question was believed to be a potential scam site. Also questioned this as this is a state government run website. Confirmed there would be no other issues with using my card. 

XX/XX/year> a little over {$87.00} to XXXX XXXX for delivery order. Was once again told information had been entered incorrectly. Countered that it had not as information is saved on my phone and what isn't I triple check now. Was told there was no issue with my account, to wait XXXX minutes, and to try again. Waited XXXX minutes, tried again and transaction was rejected. Called back and customer service agent believed I was having issues making online payments. Asked for supervisor. Supervisor once again said I entered information wrong, countered that I hadn't and that they must have something wrong on their end. Verified exactly what was entered on my screen. He said to try again. Tried, and it rejected. Supervisor said again something is entered wrong on my end. Asked how when I just verified all of the information I have entered? He said if it rejects once it's going to continue to reject until they clear it. Supervisor verified account was in good standing. I said I didn't understand why every online purchase i was making kept getting rejected. He once again went back to wrong information. 

These people are flagging my account for " wrong information '' when they verified everything was correct. Also, noted that they were going to keep doing it because it all comes back as suspicious activity thus rendering this card useless. I've had this account with this company for XXXX  years and they've only raised my credit limit once.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
As you see from the previous email here is what we are requesting. Bank statements are provided as well as XXXX information. We did not pay by checks. I am requesting a review of my account to correct errant posting of my payments due to Freedom Mortgage practice of posting my payment to the month previous due to a lost payment, disbursed electronically by my bank, XXXX XXXX to FREEDOM Mortgage. 

Payment made on XX/XX/XXXX for {$1700.00} was not recorded by Freedom Mortgage. I have the bank records ( attached ) documenting the disbursement from my bank to Freedom Mortgage. 
1 ) Find and acknowledge the missing XX/XX/XXXX payment, post that payment accurately to the account, which corrects all subsequent Freedom Mortgage errors/ misapplications of payments dated XX/XX/XXXX to thru XX/XX/XXXX resulting in false reported late payments to the Credit Bureaus. 
2 ) Re-apply all subsequent payments XX/XX/XXXX thru XXXX accurately to the month in which they were paid so that 0 late payments are shown in the file. 
3 ) Send an electronic correction on XXXX to all 3 Credit Bureaus to remove the late payments from past reporting. The full amount of each month 's payment was made within the month it was due. 
4. ) If you look at XXXX of XXXX the payment was made in full. Then the split payments started in XXXX. If you look at the posting date, XXXX 's XXXX payment was posted to XXXX, and this has had a ripple effect. 

Comment : Freedom Mortgage policy of shifting payments from the period actually paid to a prior period harms the Borrowers by creating late payments on every month following when in fact the late payment occurred in 1 month when the full payment was not made. Posting payments against prior balances does not reflect actual payment activity. 

All, I am requesting is that we receive a letter stating that our credit will be adjusted to reflect on time payments as we were not late.

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 2025-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I took out a vehicle loan that has proven to be completely unfair and predatory in nature. The lender failed to clearly disclose all the terms, interest rates, and fees associated with the loan at the time of signing. The total cost of the vehicle was significantly inflated due to hidden charges, and I later discovered that the interest rate far exceeded what was discussed or what would be considered reasonable based on my credit profile. Additionally, the lender engaged in deceptive collection practices and reported inaccurate or incomplete information to the credit bureaus. These actions have caused financial hardshipXXXX XXXX XXXX, and damage to my credit profile. I believe this account should be thoroughly investigated for potential violations of the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), and Fair Debt Collection Practices Act ( FDCPA ).

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 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
I was notified through the credit reporting agencies that a " Current '' credit card was opened in my name. I've tried repeatedly to contact the company and they have not addressed the issue or responded to any of my contacts. I left a voicemail as well as sent multiple emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: GOLDMAN SACHS BANK USA
State: NM

Complaint narrative:
I am writing to formally document that I contacted Apple Card XXXX Goldman Sachs Bank USA regarding a fraudulent account that was opened in my name without my authorization. I notified their fraud department of the issue and requested the immediate removal and closure of the unauthorized account. 

During my communication with Apple Card/GS Bank USA , I explained that I did not open this account, nor did I permit anyone else to do so on my behalf. I have taken steps to protect my identity, and I am requesting that this fraudulent account be removed from my credit file and that any negative information associated with it be deleted. 

Please consider this letter as official confirmation that I disputed the unauthorized account and initiated the process to rectify the matter with Apple Card/Goldman Sachs Bank USA .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: GA

Complaint narrative:
Please accept this complaint that XXXX XXXX has violated the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ), by failing to conduct a proper reinvestigation and continuing to furnish inaccurate and incomplete information to TransUnion. 

On XX/XX/XXXX, I disputed the completeness and accuracy of the XXXX XXXX account reporting with TransUnion. The investigation was completed on XX/XX/XXXX. Upon reviewing the investigation results and updated credit report, the following inaccuracies and inconsistencies remain : ( XXXX ) XXXX XXXX failed to note the account as a consumer dispute after receiving a valid dispute through TransUnion. This omission violates FCRA 623 ( a ) ( 3 ), which requires furnishers to indicate when an account is being disputed by the consumer. 

( 2 ) The date opened does not coincide with the payment history. XXXX XXXX furnished that the account was opened on XX/XX/XXXX, but the payment history does not reflect any data prior to XX/XX/XXXX. Additionally, the payment history for XX/XX/XXXX through XX/XX/XXXX is listed as unknown. Furnishing incomplete or unverifiable information violates FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ). 

( 3 ) The date closed does not coincide with the payment history. XXXX XXXX reported the account as closed on XX/XX/XXXX ; however, the payment history lists unknown information for both XX/XX/XXXX and XX/XX/XXXX, showing the account was not properly verified prior to furnishing. This inaccuracy violates FCRA 623 ( a ) ( 2 ) and 607 ( b ), which require furnishers to ensure the maximum possible accuracy of all information reported to consumer reporting agencies. 

Home Depots continued failure to update, verify, and correct this information after a formal consumer dispute demonstrates noncompliance with the Fair Credit Reporting Act.

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 2025-11-08 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: IL

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: CA

Complaint narrative:
I am writing to formally submit a complaint regarding multiple inaccuracies and potentially unauthorized activities on my credit report, which are causing undue harm to my credit profile. The details are as follows : XXXX ( Account # XXXX ) Reported Late Payment ; High Balance : {$340.00} ; Date Opened : XX/XX/XXXX I dispute the reported late payment. I have never missed a payment on this account. The account history is inaccurate and must be corrected immediately. 

U.S. Bankruptcy Court ( XXXX  # XXXX ) Reported Bankruptcy I have no knowledge of this bankruptcy filing and do not recognize this account. This is an incorrect report that must be investigated and deleted from my credit file. 

XXXX  ( Inquiry XX/XX/XXXX ) XXXX XXXX  ( Inquiry XX/XX/XXXX ) I did not authorize these inquiries. Reporting unauthorized credit inquiries is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and must be removed immediately. 

The above inaccuracies are negatively impacting my creditworthiness and financial reputation. I request that the credit bureaus investigate these items immediately, correct or delete all inaccurate information, and provide confirmation in writing of the corrections made. 

I also request that all correspondence regarding this matter be directed to me at my mailing address or email provided below. 

Thank you for your immediate attention to this urgent matter.

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 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/year>, I received a targeted pre-approved mailer from American Express offering XXXX Membership Rewards points for the American Express XXXX XXXX after spending {$8000.00} in XXXX XXXX. The offer is NOT for the " Up to XXXX Membership Rewards points ''. It is for the full XXXX Membership Rewards points upon completion of the spend requirement. The RSVP code is XXXX, expiring on XX/XX/year>. This was a personalized offer I received via email based on my credit profile. 

I received the email at XXXX XXXX  XXXX  on XX/XX/XXXX, I began the online application via the XXXX portal. XXXX through, the session timed out unexpectedly, and I lost progress. A window appeared and stated " Application not submitted, please try again ''. Subsequent attempts to re-enter the code resulted in a " Sorry, we are unable to verify the information you provided, or your offer may have expired. Please verify your information and try again. '' error. 

I called American Express XXXX times, over the span of XX/XX/year>, XX/XX/year> and XX/XX/year> to request reactivation or escalation. XXXX repeatedly stated there is " no marketing team '' or " escalation available, '' and refused supervisor transfersdespite the mailer 's pre-approval language promising the bonus if qualified. The offer is still valid through XX/XX/year> per the email offer I received. I have been lied to on resolution of this problem through multiple " teams ', including the generic customer service team, new accounts team, and the apply by phone team. I was told by a " supervisor '' that the apply by phone team handles problems addressing invitations/RSVP marketing code offers. It has been a constant back and forth from those " teams '' that their department are the ones who handle these issues. The " supervisor '' I spoke with when I believed the issues was being escalated turned out to be a generic customer service representative when I asked their credentials. No " supervisor '' escalation to date. American Express has refused to escalate this to anyone with the competency to resolve this issue. 

This prevents me from accessing a legitimate targeted offer I was solicited for, which constitutes deceptive marketing practices under CFPB rules ( e.g., unfair denial of advertised terms ). I qualify based on the pre-approval and have no other issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: VA

Complaint narrative:
I am submitting this rebuttal as Velocity Investments , LLC provided false and misleading information in their response to the CFPB and continued collection activity despite being notified of a fraud dispute.

Velocity stated to the CFPB that the account was placed on hold while the account is investigated and that no further action would occur until the investigation was concluded. This statement is untrue and materially misleading. No investigation was conducted, no findings were provided to me, and legal collection efforts continued.

Violations & Misconduct 1. Misrepresentation to the CFPB Velocitys response falsely claims an investigation was initiated and the account was placed on hold. In reality, they proceeded with legal enforcement actions, including moving forward with garnishment. Providing false or misleading information to the CFPB is a direct violation of federal consumer protection standards.

2. Continued Collection Activity During a Fraud Dispute Once a fraud dispute is raised, a collector is required to pause collection efforts pending review. Instead, Velocity and its legal counsel continued pursuing judgment enforcement. This constitutes improper and abusive collection conduct.

3. Failure to Provide Any Investigation Results or Debt Validation Velocity stated the consumer would be notified at the conclusion of the investigation. To date, I have received no investigation outcome, no validation, and no communication whatsoever. Closing a dispute without investigating is a direct violation of a reasonable review standard and fails to meet basic requirements of a fair credit dispute process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation