vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: MO

Complaint narrative:
On XX/XX/XXXX, Cash App froze my account after I sent two payments totaling {$270.00} ( {$100.00} and {$170.00} ). The funds were withdrawn from my linked debit card/bank account, but the recipient never received the money. I was told the issue was due to the word XXXX in the note linethis was a harmless nickname, not related to XXXX or sanctions. 

I immediately responded with clarification on XX/XX/XXXX and have followed up multiple times since, asking for updates, a refund, or at least to cancel the payments ( XX/XX/XXXX, XXXX, and beyond ). I also have {$94.00} frozen in my Cash App balance that I can not withdraw. My account remains locked for over two weeks. 

Ive communicated with numerous support reps and managers across chat, phone, and email. Ive been passed between case numbers : XXXX, XXXX, XXXX, XXXX, and was issued complaint ref XXXX. Every time, Im told someone will " email me. '' No resolution ever comes. Some emails were " no-reply '' messages I couldn't respond to.

Ive spent hours in chat support, repeatedly requesting real-time contact and clarity. Ive made at least five separate phone calls to XXXX with no actual resolution. Despite my pleas, no one has offered a real answer or helped me get access to my own money. 

This is financially damaging, completely unreasonable, and clearly not being handled in good faith. Ive asked for a cancellation or refund of the two pending transactions. Ive also requested the frozen funds in my balance be released. At this point, it feels like Im being stonewalled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I submitted a credit dispute to TransUnion regarding inaccurate and harmful reporting from XXXX XXXX XXXX. TransUnion sent two emails ( 1 ) dated XX/XX/year> with a XXXX  day dispute available ending XX/XX/year>. ( XXXX ) dated XX/XX/year> with a XXXX day dispute result availability ending XX/XX/year>. Emails stated I had a limited time to view my dispute results, yet I was unable to access the resolution at all. I never received any written notice, and I was denied the opportunity to review or respond. 

I contacted TransUnion by phone multiple times. All calls were recorded. Each time, I was placed on extended holds and ultimately disconnected without assistance. Their customer service has been unresponsive and obstructive. 

As a result, I have suffered severe harm to my credit health, including denials for housing and employment, and ongoing financial hardship. I am also receiving harassing calls from debt-related services due to the unresolved dispute.

TransUnions failure to provide timely, accessible, and transparent resolution violates my rights under the Fair Credit Reporting Act. I request the CFPB to : Investigate TransUnions dispute handling practices Require them to provide written dispute results and account corrections Compel them to remove inaccurate data or provide proof of its validity Hold them accountable for violating federal consumer protections I am also requesting an official statement from TransUnion acknowledging their failure and a commitment to improving their consumer dispute resolution processes.

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 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
My identity was compromised, resulting in unauthorized access to my XXXX XXXX account. Between [ insert approximate dates, e.g., XX/XX/year> to XX/XX/year> ], approximately {$10000.00} was withdrawn from my XXXX betting account without my consent. Additionally, around {$3000.00} in unauthorized payments were made using XXXX and XXXX linked to my XXXX XXXX account. I immediately reported the fraud to XXXX XXXX, but the dispute process has been slow, and I have not yet received a provisional credit or timely resolution. These funds represent settlement money I received after the death of my mother, making this loss particularly distressing. I am seeking prompt investigation, resolution, and protection of my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NV

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 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FCC Finance, LLC
State: GA

Complaint narrative:
The company has placed a negative report on my credit report for a debt that I do not owe to them. I have not received any information to validate this debt and have never done business with this company or have any contracts with then. Further, this debt seems to be from another company that charged the debt off and has therefore received tax credit for it but did not send me a 1099C.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MA

Complaint narrative:
I am sending to formally dispute several inaccurate and unverified items currently appearing on my credit report as furnished by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), these entries are not only erroneous but are also a result of either identity theft or unverifiable information both of which are direct violations of my rights. In accordance with 15 U.S. Code 1681c-2, I am demanding that all information that is a result of identity theft or can not be verified be deleted and REMOVED from my credit report within four ( 4 ) business days from the receipt of this notice. 
XXXX XXXX BALANCED {$27000.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$10000.00} XXXX XXXX BALANCED {$40000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MA

Complaint narrative:
I am sending to formally dispute several inaccurate and unverified items currently appearing on my credit report as furnished by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), these entries are not only erroneous but are also a result of either identity theft or unverifiable information both of which are direct violations of my rights. In accordance with 15 U.S. Code 1681c-2, I am demanding that all information that is a result of identity theft or can not be verified be deleted and REMOVED from my credit report within four ( 4 ) business days from the receipt of this notice. 
XXXX XXXX BALANCED {$27000.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$10000.00} XXXX XXXX BALANCED {$40000.00}

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 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Synovus Bank
State: NV

Complaint narrative:
I noticed a charge on my card that I did not make. Then went ahead and dispute the charge in which they came back and said that I had went ahead and made the charge. Then I appealed the dispute and they have been giving me the runaround and ignoring my emails And not letting me talk to anyone of importance over the phone. The charge was from XXXX and I had called up XXXX and they told me that they were sorry that happened to me and the charge was not mine. XXXX even told me that the charge was made from their XXXX site in which I was charged the initial charge plus a foreign currency exchange and all of this was done online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MO

Complaint narrative:
XXXX XXXX XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-23 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: IL

Complaint narrative:
A few months ago, I reached out to all the credit bureaus and asked if the hard inquiries for car companies can be removed because I didnt give permission for them to run my credit I only agreed to XXXX car company XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: IL

Complaint narrative:
A few months ago, I reached out to all the credit bureaus and asked if the hard inquiries for car companies can be removed because I didnt give permission for them to run my credit I only agreed to XXXX car company 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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A few months ago, I reached out to all the credit bureaus and asked if the hard inquiries for car companies can be removed because I didnt give permission for them to run my credit I only agreed to XXXX car company 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 2025-06-23 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: Self Financial Inc.
State: MI

Complaint narrative:
SELF FINANCIAL/LEAD BANK Partial Acct # XXXXXXXX Is reporting several late payments from an account I have no knowledge of ever being late. XXXX also did not provide properly disclosures to me per the consumer law that I have the opportunity to opt out of this information being shared. I do not believe I was late with these payments and have received no information to prove otherwise. I demand an opportunity to inspect the records of XXXX to ensure I was indeed late with these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MO

Complaint narrative:
XXXX XXXX XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , 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 XXXX XXXX XXXX  - XXXX, XXXX XXXX XXXX - XXXX, XXXX  - XXXX ; These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
They couldnt provide proof that it belongs to me over the phone and has 30 days to send a letter of whatever debt this is and it was removed from XXXX  a while ago and yet i still see it plus om the other credit bureaus

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 2025-06-23 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: GA

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 non-monetary relief
Consumer complaint received 2025-06-23 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: NV

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXX XXXX XXXX Balance {$210.00} XXXX XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX XXXXXXXX Balance {$230.00} XXXX XXXXXXXX Balance {$4200.00} XXXX XXXX XXXXXXXX Balance {$470.00} XXXX XXXX XXXXXXXX Balance {$290.00} XXXX XXXX Balance {$690.00} XXXX XXXXXXXX Balance {$690.00} XXXX XXXX Balance {$290.00} XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Received a credit inquiry alert from Capitol one around XXXX while cooking that I did not authorize. Called to inquire and was told an application was pending and they canceled it and that was it. Asked if I can have a copy of the status that it was canceled or a number to follow up and was told there is nothing that can be provided. 

Filed a police report, froze my credit and opted for credit monitoring for the time being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have made multiple documented attempts to contact Capital One Auto Finance by certified mail regarding a charge-off account being reported on my credit reports. These letters included good-faith pay-for-delete settlement offers for a reduced amount in an effort to resolve the matter privately. Despite proper delivery and tracking, Capital One has failed to respond or acknowledge any communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NV

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : 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 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
the company is reporting that this account is open, when this account should be close, The company is adding fee and changing the amount of the debt. I didn't receive a debt validation letter, as. required by the fair debt collection practices act.

Company response to consumer: Closed with explanation