vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TN

Complaint narrative:
Based on the evidence I have acquired, it appears Cash App is currently in violation of the Electronic Fund Transfer Act ( Regulation E ), specifically regarding the mandate to conduct a " reasonable investigation '' upon receipt of a Notice of Error. 
I have attached a formal letter from the XXXX  XXXX XXXX ( the ATM operator ). 
This document confirms XXXX critical facts : The ATM audit confirms a surplus of exactly {$400.00} ( the disputed amount ). 
Cash App has made no attempt to contact the bank to verify these funds, despite your claim that an investigation is underway. 
Your failure to contact the merchant to verify a confirmed error constitutes negligence and a failure to investigate under federal law. 
Regarding the Account Deactivation : You stated my account was closed for " Terms of Service '' violations. However, this closure occurred merely XXXX hours after I filed my first-ever ATM dispute. 
Temporal Proximity : The immediate timing between my dispute filing and the account closure suggests this was an adverse action taken in retaliation for exercising my consumer rights. 
Pretextual Justification : I have been a loyal user for years with no history of violations. Your vague citation of " Terms of Service '' without providing specific particulars is unacceptable. 
It is evident that your automated risk algorithms ( bots ) flagged my account as " high risk '' simply because I filed a dispute, and subsequently auto-closed the account without human review. 
Remedy Required : I have uploaded this bank letter to my open complaints with both the CFPB and the Better Business Bureau. 
To resolve this, you must : Review the attached correspondence from the XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
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 youhave 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 XXXX  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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am really frustrated right now, last time, I asked for TRANSUNION to fix or to delete any variations that was on my file, but they did nothing for it to be fixed. This is actually the second time I disputed my personal information because they are doing nothing about it. My full legal name is XXXX XXXX, but I still see a last name XXXX on my file which is incorrect that should be UPDATED to XXXX. I live at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, but I still see an incorrect address and that's XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I want this incorrect address be DELETED. Lastly, I am XXXX, but I still see an incorrect employer which is XXXX XXXX XXXX I want this to be DELETED. These incorrect information was disputed last time you can check my dispute letter which was mailed on XX/XX/XXXX and was received via XXXX XXXX which is also attached on the file I will submit. They failed FCRA 15 U.S.C 1681e ( b ) for reporting an information without maximum possible accuracy. These negligence also falls under FCRA 15 U.S.C 1681o for failing to maintain accurate information and for not complying my request they violated FCRA 15 U.S.C 1681n which they are liable for damages.

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 2025-12-02 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
I am requesting a reinvestigation into accounts Experian is reporting inaccurately. Many accounts appear duplicated with different dates or numbers across bureaus. I am disputing the following accounts as inaccurate, unverifiable, or incomplete under the FCRA. 

Accounts in Dispute Charged Off XXXX XXXX, XX/XX/XXXX, {$3600.00} XXXX XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX  XXXX XXXX XX/XX/XXXX, {$5500.00} XXXX  XXXX, XX/XX/XXXX, {$6500.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, {$6100.00} XXXX XXXX  XXXX, XX/XX/XXXX, {$10000.00} XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX, {$2600.00} XXXX  XXXX XXXX, XX/XX/XXXX, {$4300.00} XXXX  XXXX XXXX, XX/XX/XXXX, {$5100.00} Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Payment XXXX XXXX ( inaccurate 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 2025-12-02 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: CA

Complaint narrative:
I am disputing the following items on my TransUnion credit report. The information is inaccurate and does not reflect the true status of my accounts. I respectfully request that TransUnion promptly investigate these records under the Fair Credit Reporting Act ( FCRA ) to ensure my credit report is accurate. 

Charged Off Accounts : XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$6000.00} XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$11000.00} Inquiries : XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX XXXX : XX/XX/XXXX ) XXXX XXXX XXXX  ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) Late Payments : XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2025-12-02 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: MO

Complaint narrative:
Consumer : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/year> Summary of Complaint : I am submitting this complaint because my consumer report contains multiple inaccurate, unverified, and improperly reported items. Despite my formal dispute and request for reinvestigation, these items remain on my report without proper verification or correction. 

XXXX. Nature of the Inaccuracies My consumer report shows several items that are factually incorrect or not mine, including : Incorrect personal identifiers ( AKA names ) Incorrect previous addresses Incorrect employer information An unauthorized inquiry Several accounts that have not been properly validated or verified I directly disputed each item, identifying the specific errors and requesting verification and deletion where appropriate. 

XXXX. Violations of the FCRA The reporting and handling of my dispute violate several sections of the Fair Credit Reporting Act, including but not limited to : FCRA 602A Failure to maintain maximum possible accuracy of consumer information. 

FCRA 604 Permitting access to my consumer report without proper authorization ( unauthorized inquiry ).

FCRA 607 ( b ) Failure to follow reasonable procedures to assure accuracy of the information reported.

FCRA 611 ( a ) Failure to properly reinvestigate, verify, or delete unverified information within XXXX  days. 

XXXX. FDCPA Violations ( Where Applicable ) For accounts handled by any third-party or debt collector : FDCPA 807 ( 8 ) Reporting false, misleading, or inaccurate information.

FDCPA 809 ( b ) Failing to validate or provide required documentation after written request. 

XXXX. Verification & Documentation Issues I requested proper verification, including : Method of Verification ( MOV ) Documentation from the original furnisher Proof of permissible purpose for the inquiry Verification of accounts allegedly associated with me None of these were provided. 

Under FCRA and consumer protection laws, unverifiable information must be deleted. 

XXXX. Data Security Concerns Given the number of national data breaches affecting consumer information, I expressed concern that some of the information reported may have been compromised and does not belong to me. No documentation was provided to prove the accuracy or origin of the disputed items. 

XXXX. Harm Experienced These inaccuracies have caused : Denial of credit and financial opportunities Reputational harm Emotional distress Difficulty in obtaining accurate credit decisions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
I am disputing several items on my Experian credit report. The information is inaccurate, and I believe there are discrepancies that need to be rectified. I request that Experian conduct a full investigation of these accounts under the Fair Credit Reporting Act ( FCRA ). It is imperative that these issues be corrected to ensure an accurate reflection of my credit history. 

Charged Off Accounts : XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX  ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$6000.00} XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$110000.00} Inquiries : XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX  XXXX Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX  ( Date : XX/XX/XXXX ) Late Payments : XXXX XXXX XXXX Account # 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.

Complaint narrative:
Today is XX/XX/year>. 

Recently, Citi bank took over ownership of the Shop Your way Credit Card that I originally obtained from Sears. I received a new card approximately XXXX weeks ago. 

When I logged into the Rewards website today, a little over {$100.00} worth of rewards ( which can be redeemed for XXXX, Best Buy and other retailers ) was missing. So I called both the credit card and the rewards phone numbers ( XXXX and XXXX ). 

The AI agent at the rewards line used a script that obviously was defective ( verbalizing " asterisk '' as an example ) and clearly had not been properly set up. It confirmed the existence of the rewards but could not redeem them, and then suggested I clear the browser cache and re- log in, which I did. Ultimately it indicated that I would need to fill out a Support form. 

So I followed the hyperlink to that support form, but it was non-functional. First, it " bounced '' so much I could not enter any thing into the forms ( email, phone number, name, last few digits of account number etc. ) I tried multiple times and even when the bouncing stopped I could not log in. 

I asked to speak to a human when the AI indicated that the non-functional support form was my only recourse. 

So, I called back to the credit card support line and asked them to connect me with a human or otherwise intervene on my behalf. They indicated they could not reach a human and could not help. 

Thus my complaint- I suspect there are many cardholders similarly looking for points. 

So I called

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is reporting on my credit report that I a negative payment history on my XXXX auto loan account. That is false I was never late.on XX/XX/XXXX of XXXX I was involved in a car accident. Subsequently the young lady who hit me insurance company paid the vehicle off.

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 2025-12-02 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed the reporting of the XXXX tradeline because the balance history, credit limit, and account status are inconsistent and do not match the information reported by other credit bureaus. Experian closed my dispute as soft deleted without providing documentation or conducting a proper reinvestigation. 

I filed a second dispute, and Experian refused to process it, again stating the tradeline was soft deleted. No investigation was performed, and no verification from the furnisher was provided. 

Experian failed to comply with its reinvestigation obligations under FCRA 611 ( a ). I am requesting a full reinvestigation and written verification from the furnisher, or removal of the inaccurate tradeline. 

Thank you for your time!

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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have contacted XXXX multiple times regarding receiving money from my account. My account was suspended and subsequently terminated for failure to provide identification. I provided identification on multiple occasions. I requested a new account specialist to review the account. I was told XXXX could legally hold my money for up to XXXX  days after closing/suspending the account. The User Agreement does confirm this ( see attached ) if any of my usage violates the " Acceptable Use Policy '' ( also attached ). XXXX has not provided any reason written kr verbal of how my User has violated the " Acceptable Use Policy ''. 

I just want my money. I am hungry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/year> : {$1400.00} XX/XX/year> : {$1500.00} XX/XX/year> : {$1900.00} XX/XX/year> : {$1700.00} XX/XX/year> : {$1800.00} XX/XX/year> : {$1900.00} XX/XX/year> : {$1700.00} All of these transactions are labeled as " RETURN DEPOSIT ITEM ''. 

On XX/XX/year>, my car was broken into and my purse was stolen, including my state-issued ID, debit card, and credit cards. I filed a police report for this. I also reported all of my items as stolen. I reported my ID as stolen to the state of XXXX  and was issued a new one, reported my credit cards to the respective companies as stolen and got them replaced, and I reported my Truist Bank debit card as stolen and was issued a new one as well. On XX/XX/year>, I opened my Truist Bank app to look at my checking account, and saw all of these unauthorized charges. I immediately disputed all of them, and got into contact with the bank. The representatives at the bank told me that someone took my state-issued ID ( which was stolen ), and took it to a Truist branch to get a copy of my recent bank statement. They then took a different victim 's checkbook, wrote XXXX separate checks out to me ( my name ) ( checks match the transactions listed above ), took the checks to a XXXX  XXXX XXXX branch in a different state than where I am located, and cashed them. They then went and cancelled the checks, and had the money that they cashed to be withdrawn from my bank account, which they got access to from the bank statement they received from the Truist branch using my stolen ID. These transactions kept occurring, even after my checking account went into overdraft, and Truist never flagged any of them as potentially fraudulent, or even notified me that my account was in overdraft. I have been in contact with Truist frequently about having my account reimbursed, but they are saying that they " can not prove it wasn't me '' since the people who went into the branch had my ID. However, they sent me copies of the forged checks that were used. Truist is requiring that I send them a copy of the police report before they consider reimbursing me for my money that was stolen. I am still waiting on receiving the report from police, which is a long process since it can only be saved by mail. In the meantime, I have no access to my old checking account since has a significant negative balance. It has been over a month since this has happened and it still has not been resolved.

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 monetary relief