vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Hello, There was XXXX Shop Your Way points promotion with totaling {$1500.00} spending between XX/XX/year> and XX/XX/year>, and I met the spending requirement. However, the bonus points weren't issued until now. 

I called customer service and they told me that the promotion was " EACH MONTH '' not " TOTALLING ''. I still have the email I received and it CLEARLY SAYS " Activate this offer and use your card to earn XXXX Bonus Shop Your Way Points when you make eligible purchases " totaling '' {$1500.00} or more made with your Shop Your Way XXXXXXXX between XXXX through XXXX. 

I contacted multiple times and heard same answers that since the promotion is for " EACH month '' spending, I didn't meet the spending requirement. However as you can see the attachment, it says " XXXX '' not each month. 

I contacted multiple times, but the requests have been denied. 

I want to it is resolved fairly and get my bonus points back. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding Cash App, operated by Block , Inc . 

My original Cash App account was closed without clear explanation. The company stated I had violated the Terms of Service but has refused to specify which term was violated or what activity triggered the closure. 

Since the account was closed, I have attempted to contact Cash App support multiple times through the in-app support system and email. Despite repeated requests, I have received only vague responses claiming the decision is final, without providing any details or steps for resolution. 

Additionally, whenever I attempt to open a new Cash App account using my personal information ( name, phone, XXXX, etc. ), it is immediately locked or restricted even before any transactions are made. This has made it impossible for me to use their service at all. 

I am concerned that this decision XXXX have been based on : An automated review, and/or Information from a consumer reporting agency ( such as XXXX, XXXX XXXX  XXXX, or another source ) To date, Cash App has not provided any adverse action notice, nor have they confirmed whether a consumer report was used, as is required under the Fair Credit Reporting Act ( FCRA ). 

Desired Resolution : I am requesting that Cash App provide a clear explanation of the reason for the account closure and the specific Terms of XXXX allegedly violated. 

If a consumer report was used, I am requesting a copy of the adverse action notice and the name of the agency from which the information was obtained. 

I am also requesting guidance on whether and how I XXXX resolve the issue and regain access to their services. 

I am submitting this complaint in good faith and simply want transparency and a fair opportunity to resolve this issue. 

This has been an ongoing issue for an extended amount of time. I have documentation of my times attempting to resolve or inquire about the issue. The account was closed unexpectedly in XX/XX/year> so that shows you how long its been. I find the whole situation treating me the customer unfairly. 

XXXX XXXX : Cash App / Block , Inc . 
Product : Money Transfer or Payment App Your Full Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
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 2025-08-13 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: PA

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 2025-08-13 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: MS

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX Account Number : [ 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 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information Under FCRA Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute inaccurate information currently being reported on my credit report. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), which require credit reporting agencies to ensure maximum possible accuracy of the information they report and to correct or delete inaccurate or unverifiable information after reinvestigation.

The following account ( s ) contain information that I believe to be inaccurate or unverifiable and must be removed from my credit report : Creditor Name : PORTFOLIO RECOVERY Account Number : N/A Reason for Dispute : This account is inaccurately reporting Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I assert that this has not been done in my case.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item of information is found to be inaccurate or can not be verified during the reinvestigation process, the credit bureau must promptly delete that item from the consumers file. 

I am requesting that you conduct a reinvestigation of the account ( s ) in question and provide me with written confirmation of the results. If the information can not be verified, it must be removed from my credit report entirely.

Please find enclosed copies of my identification and supporting documentation relevant to this dispute.

I request that you complete your investigation within the 30-day period as required by law and send me a written update of the outcome, along with a free copy of my updated credit report as provided by 15 U.S.C. 1681i ( d ).

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-13 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ DOE XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-08-13 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: IL

Complaint narrative:
I did not authorize the opening of these accounts, and they seem to be inaccurate. Please investigate this issue carefully and remove it from my credit history. Supporting documents are attached for your reference. Kindly block and delete them.

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 2025-08-13 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: IL

Complaint narrative:
I did not authorize the opening of these accounts, and they seem to be inaccurate. Please investigate this issue carefully and remove it from my credit history. Supporting documents are attached for your reference. Kindly block and delete them.

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 2025-08-13 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-13 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: CIG FINANCIAL LLC
State: CA

Complaint narrative:
On XX/XX/2025, AutoNation XXXX XXXX accessed my credit reports without my authorization, despite my explicit refusal and my pre-approved auto loan through XXXX XXXX XXXX XXXX. I financed my vehicle entirely through XXXX XXXX ( see attached pre-approval and promissory note ). 

On XX/XX/2025, I received a formal credit denial letter for a loan I never applied for. This proves that AutoNation or its financing partner processed a false credit application in my name. This false application led to : - An unauthorized hard inquiry on my credit reports ( 15 U.S.C. 1681b ) - An adverse action without a valid application or permissible purpose ( 15 U.S.C. 1681m ) - Potential obtaining of my credit report under false pretenses ( 15 U.S.C. 1681q ) I have requested a letter of deletion from AutoNation to remove the inquiry, but Finance Director XXXX XXXX refused in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed a dispute through Wells Fargo for a transaction with Playground on the amount of {$1600.00} The bank closed the dispute, but I never received a refund or chargeback. 
The merchant has informed me that the bank withdrew the funds from them, as if the chargeback had been successful and therefore they are unable to issue a separate refund. However, I have not been credited the refund by the bank. If the merchant issued a refund to me it would be considered duplicate refund due to Wells Fargo pulling the dispute from their system. 

I have contacted the bank for written confirmation of what happened to the disputed funds, but they have not provided clear answers or proof of whether a credit was ever issued or reversed. They keep sending me in circles, transferring me on the phone, I even went in person to speak with a bank teller they only put me on the phone with the claims department just how Ive been doing for the last month. 

I am now stuck between the merchant and the bank, both claiming the other party has the money, while I remain without a refund. I am seeking a formal investigation and refund of the disputed amount, as I believe the bank has mishandled this dispute or failed to apply the funds correctly. The bank wants to hear me out no further but I have updated information from the merchant they even provided a statement to Wells Fargo explaining why they cant refund it is no longer in their hands but to my bank holder. 

Please help resolve this issue. I can provide documentation from the merchant indicating that the chargeback was withdrawn from their side. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: WA

Complaint narrative:
These accounts were not opened by me and appear to contain false information. I request a full investigation and the removal of this data from my credit file. Relevant evidence is enclosed for verification. Please block and erase them.

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 2025-08-13 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: FL

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 four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/2022, Balance : {$18000.00}

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