vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I transferred {$500.00} from my XXXX XXXX XXXX  account to my CashApp. It never credited to my CashApp but it was taken out of my XXXX XXXX account. I contacted CashApp support to resolve the issue. I was first told to give it a couple of days, so I did. Then on XX/XX/XXXX I reached out again. First I was told that my {$500.00} was used for a bill that I paid of {$450.00}. This wasnt the case. I had money in my account to pay that bill and that the {$500.00} I transferred was after that bill got paid. After sending screenshots proving this, I was then told I had 4 transaction disputes made by a sender on XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. I asked them who and they told me. The sender turned out to be a really close friend of mine. I immediately contacted her and asked her. She told me she never disputed anything. She also checked with her bank and they didnt either. I was told my {$500.00} was taken for the disputes but my friend and her bank never received any money. At that point CashApp terminated her account. She also closed her bank account from XXXX. Cash App then told me there was 3 transaction disputes, not 4 and they were : on XXXX for {$80.00}, XXXX for {$120.00}, and XX/XX/XXXX for {$350.00}. If you add these up it comes to {$550.00}, not {$500.00}. I was told I need to get my money back from the sender, my friend. After taking this loss, on XX/XX/XXXX I got an email saying that a transaction I received from the same sender from back in XXXX cancelled the {$360.00} transaction and they took that from my account. She never cancelled anything. It was impossible because her account has been closed since XXXX and so was her XXXX account. I contacted CashApp support and again got absolutely nowhere. I asked to speak to manager and they told me that one would email me. I received an email from them and I responded by explaining everything and attaching screenshots of the entire conversations with their support team. I then got a response saying that they dismissed my case and could not be reimbursed any of my money. So total I lost {$860.00}. Im not sure if CashApp is scamming people or if they have an employee stealing from their customers. I got so far behind financially that my electric got shut off and it costed me even more money for XXXX off fees. Please help me get my money back and stop whoever is taking money from customers. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: IL

Complaint narrative:
I am filing this complaint due to the unauthorized reporting of a student loan account on my credit report by MOHELA/DOFED, which I believe is in violation of the Family Educational Rights and Privacy Act ( XXXX ) and constitutes a breach of contract. 

My student loan information, which is protected under XXXX as part of my educational record, was shared with XXXX or more credit reporting agencies without my consent. I never authorized this disclosure, and I was not notified that this information would be reported or reinserted after being previously removed. This is a direct violation of federal law and the terms outlined in the original loan agreement. Furthermore, I was not given any notice of the reporting or an opportunity to verify the accuracy of the information. 

Details of the Violation : My student loan was either reported, reinserted, or altered on my credit file without proper notice. 

No written consent was given for the loan servicer to disclose this account information to third-party credit bureaus. 

The servicer has failed to provide documentation supporting the accuracy or authorization for this reporting. 

I believe this is a clear violation of XXXX, which protects the privacy of my educational records, and a breach of the original loan terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: CLGF Holdco 1, LLC
State: UT

Complaint narrative:
I am a single mother experiencing homelessness with my children. I have a Milestone Gold credit card issued by Concora Credit. Recently, I updated my address, which caused the block on my card ( I did not know that updating my address would cause this inconvenience ). I submitted the requested document on XX/XX/year>, and again on XX/XX/year>, and was told the review process would take up to two weeks.

However, I am in an emergency situation, our hotel stay has ended, we are homeless, and I urgently need access to the funds on my Milestone card to secure a room for me and my children. I explained this to customer support and asked if there was a way to expedite the review due to the circumstances. They refused and stated there was nothing they could do.

I am not asking for special treatment, only for emergency access to my own available funds to prevent my children and I from sleeping on the street. The company 's refusal to take urgent needs into account is unacceptable and puts our safety at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$4100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
Because I did not authorize these fraudulent accounts, I request their removal under USC 1681g within 15 days.

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 2025-07-29 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: GA

Complaint narrative:
XXXX XXXX XXXXXXXX- I was never late on this account, please remove late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
XXXX XXXX XXXXXXXX- I was never late on this account, please remove late 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 non-monetary relief
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-29 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
I have several inquiries on my credit report that Im not aware of. I have tried several times to have these items removed. I am a victim of identity theft and would like to have all fraudulent inquiries thoroughly investigated and deleted from credit report, items are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: TN

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-07-29 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
I am submitting this complaint to report inaccurate and unfamiliar information being reported on my credit file. I have identified one or more incorrect information, accounts and inquiries that I do not recognize, did not authorize, and have never had any prior relationship or knowledge of. These items appear to be incorrectly attributed to my profile. I have reached out to the reporting entity to request validation and removal, but have not received sufficient documentation proving that the incorrect information, accounts and inquiries belong to me or were lawfully initiated. 
This reporting may constitute a violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and possibly the Gramm-Leach-Bliley Act regarding the safeguarding and proper use of consumer information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX pm i attempted to send XXXX dollars to my mom so i could buy some viral ice cream at a little XXXX store. I was in a rush so when i sent to the subject line i spam typed the keyboard and it ended up auto correcting to isis and sending. Ever since then my account has been under investigation and yesterday my account was locked and suspended i have been unable to reach my money ( theres a total of about XXXX dollars in my cashapp account ) and today XX/XX/XXXX i need to pay for a math test at my university but am unable to due to the money being unavailable. At this point i consider this company to have STOLEN my money i have tried to reach out to get them to understand and i responded to the messages and called their support but they have not resolved this problem. I called them and they were unable to give me direct information to their supervisors or direct contact with the persons performing the investigation so i find this to be extremely suspicious and unfair this can not be legal l to refuse to give contact information to your customers. The people performing and investigation have only emailed me but have not emailed back even though i have asked them for information to verbally contact them they have just not been responding to my emails and this had made me very distressed. This is my livelihood at stake here every day that they do not let me access my money i have to pay and overdraft fee for this test since it was schedule for today XX/XX/XXXX. Cashapp has been extremely unresponsive and unhelpful and i believe it is insanity to lock and suspend someones account over a big mistake. Instead of having communication with the customer so they can easily solve this problem they have chosen ignore communication attempts and have made this situation a even bigger issue. If by Friday i have not gotten a response from them i will begin looking into taking legal action i believe its unacceptable for cashapp to do this and i will do anything to get my money back i am extremely disturbed by their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt XXXX  Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-07-29 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: TX

Complaint narrative:
Clarity Services XXXX XXXX XXXX FCRA Violations ) I am filing this complaint against Clarity Services XXXX XXXX XXXX XXXX division of Experian ) for furnishing unauthorized inquiries and falsely verifying data to XXXX  without any direct consumer relationship or permissible purpose. 

Clarity has been listed as the verifier for numerous inquiries that appeared on my XXXX  report, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Clarity Services is not the creditor , lender, or original inquirer in any of these cases. They are a data broker acting on behalf of unknown entities, yet theyre responding to disputes as if they are the source of the inquiry, which is a violation of the FCRA XXXX 

Under 15 U.S.C. 1681b, every inquiry must be initiated by the consumer or based on a legitimate business need in connection with a transaction. I never initiated any such transactions with these lenders, and I never authorized Clarity Services to furnish or verify inquiries on my behalf. 

Worse, Clarity verified these inquiries even after I froze my file. This is a violation of FCRA 1681c-1 and the Texas Data Privacy and Security Act ( XXXX ), which prohibits further processing after a freeze and opt-out. 

This is not a reinvestigation ; its an automated rubber-stamp process that launders unverifiable inquiries through a data broker, with no proof of authorization, no documentation, and no transparency. 

The CFPB has already penalized Clarity Services for similar misconduct in XXXX XXXX. XXXX, which involved the unauthorized sharing of consumer data with high-risk lenders.

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 2025-07-29 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: OH

Complaint narrative:
I am filing a complaint against both Remitly and XXXX ( XXXX XXXX XXXX XXXX regarding the mishandling of a {$520.00} transaction that was debited from my XXXX account and never refunded. 

On XX/XX/2025, XXXX attempted to debit {$520.00} from my XXXX account ( Account ending in XXXX ) for a deposit into my Remitly Circle Global Account. Approximately XXXX minutes after the debit initiation, my XXXX account was closed. 

Subsequently, Remitly canceled the deposit and claimed that the funds were automatically refunded to XXXX. However, XXXX has refused to acknowledge receiving the funds, stating that since the account is closed, they can not trace it. 

Despite repeated follow-ups, both parties ( Remitly and XXXX ) are shifting responsibility and refusing to provide any concrete proof regarding the location of my funds. 

I reside outside of the United States and can not accept a mailed paper check refund. I request that this refund be processed via ACH transfer to an active XXXX bank account that I will provide. 

Transaction ID : XXXX Amount : {$520.00} Date : XX/XX/2025 I request CFPB 's intervention to hold both Remitly and XXXX accountable and provide a resolution. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation