vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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:
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 XXXX 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.

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 2025-11-21 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: MN

Complaint narrative:
I recently filed a complaint on CashApp for this same issue and they responded by saying they had resolved my issue and this was a lie. 

In my original complaint I requested that they correct the problem of cashapp contacts being retained on a device even after logout, which was resulting in cashapp contacts merging with someone else 's account that used the device to login. 

I have now lost {$200.00} due to accidentally sending money to a contact that is not mine, the contact was connected to my friends account, who used my phone to login to her cashapp. Once she logged out and I logged back into my cashapp account, there were several contacts that I did not know. I immediately reported the transaction to cashapp and asked them to please reverse the payment as it went to the wrong receipt, who I did not know and was never in contacts before. They refused to reverse the payments. 

I then sent a request to the unknown recipient and explained in the note field that I did not mean to send them this money and to please return it. The recipient denied my requests and blantly stole my money. I thought this was considered theft if the person is aware that the money was not meant for them but they choose to keep it anyways. 
CashApp is basically allowing users to commit theft and refuse to help when it occurs. They are also responsible for my financial loss because there shou be no reason for another users contacts to merge with mine all because they used my phone to login into their personal account. 
This is a serious privacy issue and financial loss. Ive tried multiple times to get this money back and continue to be told it's my fault and they won't fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
I purchased an XXXX XXXX XXXX XXXX XXXX  in XX/XX/year> at the XXXX XXXX in XXXX. I was approved for a loan by XXXX XXXX XXXX XXXX by XXXX XXXX XXXX. The amount financed {$30.00}, XXXX and the finance charge of {$21000.00} with XXXX 16.69 % which total to be {$52000.00}. The Motorcycle was original purchased price {$25.00}, XXXX. I had made up to XXXX payment with the of {$620.00} a monthly I have paid about {$32.00}, XXXX in the past XXXX  years and I still have {$20.00}, XXXX on this loan which is another XXXX  years. I even put down {$5000.00} as a down payment on the bike. I would like to be out of this loan I paid way over the purchased price of this bike. The company is refusing to help me get out of the loan and refusing to help understand why I have to pay over XXXX for a bike that was priced at {$25.00}, XXXX. They harassed me every time I pay a couple days past my due date they call me from XXXX in the morning to after XXXX at night even on the weekends. I would to be out this contract asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Protas, Spivok & Collins. LLC
State: MD

Complaint narrative:
Protas , Spivok & Collins , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is attempting to collect an alleged debt originated by XXXX XXXX XXXX XXXX XXXX I disputed this same debt in writing with XXXX XXXX  XXXX ( XXXX ) in early XX/XX/year> from an affiliated collection agency. Rather than validate the debt, that agency simply turned the collection to another agency. On XX/XX/year> XXXX  sent me a collection letter. On XXXX XX/XX/year> XXXX followed up with an email and voicemail seeking to collect on the alleged debt. I still have never received any validation on this debt, which I dispute in its entirety. Therefore, XXXX is violating 15 U.S.C. 1692g and 1692f by continuing collection activity without first providing validation after I disputed the debt. Please order XXXX to cease all collection and stop pursuing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
Dear CFPB, I am filing a complaint regarding my Sofi account. My account is currently under review, and I have not received any explanation for why it was blocked or closed. Despite my attempts to contact Sofi and request access to my funds, they have not provided any response or resolution. 

I am asking for CFPBs assistance to investigate this issue, ensure that my funds are released, and clarify why my account is being restricted. 

Account Details : Name : XXXX XXXX Email/Username associated with account : XXXX Thank you for your attention

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have contacted Capital One on Multiple Occasions asking that they review and fix my account i explained that the Excessive Interest rate is causing Hardship on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX as well as previous years I Finance a XXXX XXXX XXXX XXXX in XXXX - Financed for XXXX My interest rate at the time of purchase was 16 % My payment was/ is XXXX I am being Charged an additional XXXX in interest fees which is forcing a Total payment of XXXX on a XXXX Financed car loan. I have paid over XXXX thus far have been advised of a remaining balance of over XXXX. My concerns has not been acknowledged fixed or addressed only continued collection calls and threats to continue to pay for something that has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Climb Credit Inc.
State: TX

Complaint narrative:
I took out a loan for XXXX  through Climb Credit ( aka XXXX XXXX ) in XXXX and as of XX/XX/XXXX they have ceased operations. This has broken the contract I signed of a lifetime access to the program. Even after multiple attempts to contact XXXX about this and trying to get them to refund my loan for me as Climb Credit keeps telling me, all of my contacts come back as undeliverable and unable to contact anyone at XXXX. Now Climb Credit won't do anything and don't have a plan to actually take care of their borrowers. Even after informing them of the FTC Holder Rule that protects us against these sort of things.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
These accounts are not mine ; they should be removed within XXXX  days in accordance with USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: IN

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION LLC Consumer Dispute Center 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 {$9900.00} 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 FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of 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 2025-11-21 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:
Dear Sir/Madam, I am writing to dispute the following items on my TransUnion credit report. These accounts are listed as charged off and contain inaccurate information. Below are the details of the accounts in dispute : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00}

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 non-monetary relief
Consumer complaint received 2025-11-21 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: MN

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-11-21 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: NJ

Complaint narrative:
There are a string of hard credit inquiries on all three of my credit reports. Experian had XXXX. The majority of which I did not authorize or give permission to pull a hard inquiry on my report. I have requested the credit contact and provide verification and/or delete them which they had not. 

Unauthorized hard Inquires are concerning because someone is pulling credit history without my knowledge and could be using my information to open up accounts in my name. All three credit reporting agencies are highly complacent when it comes to reporting accurate credit and/or warning you that someone has pulled a hard inquiry without your consent and they almost force you to buy their over-priced credit monitoring subscriptions which is so I can police them at their own job where they are the ones responsable for reporting and verifying correct and accurate information. Each of the XXXX major agencies continue to be complacent and/or down right refuse to help when there are mistakes or unauthorized access to your information, AKA the numerous security breaches at Trans Union over the last XXXX  years is when I notice unauthrzed activity on my files. They should be shut down at this point for how bad the entire organization is run and how they just allow anything to be put on your report. They also do not provide any explanation as to how they go about verifying information. It just verified with creditor or give an inquiry date. These organizations need to be better regulated as to what personal data and information is allowed in your file and who can access it.

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 2025-11-21 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
b"I applied for a second card through credit karma with Indigo credit company aka concora credit and was  approved. Card was sent to me on XXXX XXXX XXXX. I noticed on XXXX XXXX XXXX I could not activate the card online and I contacted the company at XXXX XXXX XXXX and spoke to several representatives who stated my DOB is incorrect and I was told to upload my ID information on their website upload: concora credit.com so I uploaded my id and accidentally uploaded the actual card front and back  and immediately I called the company to inform what had happened. I was put through to speak with a Supervisor by the name XXXX   and told her what happened she stated she couldn't give out any information on this account.  So I asked if she can put freeze on account  or cancel and re issue me out another card due to the error, she proceeded  to repeat that she not able give any information on this account and I would have to wait two weeks for a response. I don't have protection its looks like on this new card and they also have my facial ID and I am concerned   the new card information is available to this company.  I want to freeze or replace card I mistakenly  sent to this company.  And how was I able to get an actual credit card sent to me with wrong date of birth."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I write as a documented victim of identity theft arising from the Equifax data breach. You are knowingly reporting false, fraudulent accounts in my file without authorization. My Social Security Number and other personal data were compromised in the Equifax breach. I possess proof of SSN exposure. My credit file is contaminated with accounts I did not open. 

Your failure to investigate, verify, and expunge these entries violate : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

a. 1681e ( b ) : Duty to maintain reasonable procedures to ensure maximum possible accuracy b. 1681i ( a ) : Duty to conduct a reasonable reinvestigation upon dispute c. 1681i ( 5 ) ( A ) : Duty to notify consumer of reinvestigation results in writing d. 1681c-2 : Mandatory expungement of identity-theft information 2. 15 U.S.C. 1681s-2 ( b ) : Furnishers duty after notice of dispute Under FCRA 1681i, you must complete a documented, effective investigation of each disputed item, including : a. Verification from the original creditor with wet-ink signature on the application b. Copy of government-issued photo ID used to open each account c. Proof of my express written authorization to open the accounts d. Confirmation of account opening dates relative to the Equifax breach period e. Direct, signed affidavit from the original creditor ; no automated verifications Your obligations under FCRA 1681c-2 to expunge identity-theft information are absolute upon my written notice. Your prior letter admitting you couldnt expunge fraudulent entries constitutes either willful non-compliance or gross negligence of your statutory duties. I will use that refusal as evidence of willfulness to pursue punitive damages. 

I never authorized these accounts ; they are fraudulent : 1. XXXX/Accnt # XXXX : XX/XX/XXXX, XXXX {$2400.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXX {$450.00} 3. XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXX {$740.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: AL

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: AL

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-11-21 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: DISCOVER BANK
State: CA

Complaint narrative:
I received a text message on XX/XX/year> from Discover Card alerting me of potential fraud and that transaction was declined. I called Discover right away and informed them the transaction was fraudulent. They informed me there was another transaction at a Sporting Goods store. I informed them that was fraudulent as well. Discover is informing me that after my fraud claim, I called Discover and admitted those purchases were made by me. I never called Discover to say I used the card. 
One of the representative from Discover Fraud Department informed me that they mailed a new card because the card was going to expire. The new card was activated and these transactions were made on the new card. I informed Discover I didn't receive a card and I didn't activate any card. 
Discover is now claiming there was no fraud. They are refusing to provide Phone Call Records they based their decision on. 
I stand by my initial claim that those transactions are fraudulent.

Company response to consumer: Closed with monetary relief