vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: OR

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX * * * * Balance : {$480.00}, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX,

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

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX * * * * Balance : {$480.00}, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: IL

Complaint narrative:
I am asking for your assistance to review accounts from these companies that are wrongly reporting late payments. After checking my credit report, I noticed some accounts show late payments inaccurately. There should be no late payment remarks on these accounts. Please remove these notes and update the accounts to show the agreed positive status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: VA

Complaint narrative:
cash app account was opened on XX/XX/year>, to send emergency money to a family member that was stuck out of town. The transaction was successful as I sent {$50.00} to XXXX XXXX. 
the next successful transaction was {$5.00} spent on XXXX XXXX  on XX/XX/XXXX, XXXX to XXXX XXXX 
and the final successful transaction was receiving money from XXXX XXXX in the amount of & XXXX. 
My account was then closed on XX/XX/XXXX for a Violation of Terms and Service. 
none of my transactions are illegal, nor a violation of the entire Terms and service policy of Cash APP. 

Quote : " Hi XXXX, this is XXXX with Cash App Support. Thank you for your patience during our delay in getting back to you. I know it can be concerning to see your account got deactivated. I'd be glad to look into this for you. 

We conducted a review of your account. Based on that review, we have found activity that violates our Terms of Service ( XXXX XXXX XXXX XXXX 

As a result, your Cash App account will remain deactivated, and you will no longer be able to use your account or its features. '' I have 3 total Transactions ever. 

when I attempted to Appeal the decision, I was told that the investigation can take 30 days, and then on XX/XX/XXXX I was sent an email that stated that my appeal was closed due to no response given by the customer. 

I can not reply to an email that was never sent. Every day since then, CASH APP support has been unable to elaborate on the exact reason my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I owed around {$500.00} for an XXXX XXXX XXXX. XXXX XXXX  picked up the debt. A court office named XXXX XXXX subpoenaed my account and took the full amount due on XX/XX/year>2025 ( I HAVE PROOF AND BANK STATMENTS ). Moving forward, i started to get calls from a law office called Pressler felt and Warshaw LLP. after, realizing that they were trying to collect a debt that was already paid I contacted the court officer in question, The court officer stated My bank never follow up with him, when that is HIS JOB. Now I keep getting court documents from the law office that the money was levied and there's too much back and forth and I haven't received any update. I think this company is scamming me and i think i got money taken illegally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a gym membership with XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) on XX/XX/XXXXXXXX  for {$1100.00} ( Pro-rated {$100.00} per month ). The membership was to expire on XX/XX/XXXX. I was fraudulently sold services for a full year 's membership, when XXXX  XXXX XXXX was going through Bankruptcy proceedings. On XX/XX/XXXX, I was told the XXXX XXXX is closing. I asked for a refund and the sales manager told me to dispute the charge with my credit card company because they can not refund me. XXXX  XXXX XXXX did not fulfill the terms of the contract. 

I asked my credit card company to refund the pro-rated amount of $ XXXX submitted a copy of my contract and a letter from the XXXX XXXX XXXX their closure. I highlighed the portion of my contract that states : REVOCATIONS AND REFUNDS. Member agrees that XXXX may revoke this Membership, in XXXX  sole discretion, by giving written notice to Member. Any unused Membership Dues in possession of XXXX at the time of the effective date of revocation or cancellation will be paid to Member within 4 weeks of effective date of revocation. 

I've disputed the charge with my credit card company twice and until this day, they deny that request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
Hello, I have 6 outstanding student loans. 2 Subsidized Loans, 2 Unsubsidized Loans, and 2 GRAD Plus Loans. On XX/XX/year>, I was approved for the Subsidized Loans and the GRAD Plus Loans to be put on the SAVE plan. I understand that the SAVE plan has been under litigation, but during this litigation, it was stated on studentaid.gov & from MOHELA based on the correspondence below, that based on the litigation with SAVE, that interest would not be accruing during the litigation. However, since I have been on SAVE in XX/XX/year>, my GRAD Plus Loans have been accruing interest and just yesterday, despite just graduating from XXXX XXXX XXXX, MOHELA has decided to let interest accrue on my SUBSIDIZED loans despite the fact that those loans should be in grace period for 6 months after graduation, accruing no interest. 

For one of my GRAD PLUS loans ( 8.05 % interest rate specifically ), I paid off the accrued interest prior to SAVE, so the outstanding interest on that loan was {$0.00} as XX/XX/year>. However, over the last year and some months, at the moment of this email, {$1100.00} of unpaid interest has accrued on this GRAD PLUS loan despite it being under SAVE. Furthermore, for my other GRAD PLUS loan ( 7.54 % interest ) {$1700.00} of interest has accrued, all of that while under the SAVE plan.

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

Complaint narrative:
This account is inaccurate. Im seeking Litigation. Please delete at once.

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
This account is inaccurate. Im seeking Litigation. Please delete at once.

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I was charged {$100.00} for services which were not rendered. I ordered a tow from XXXX XXXX XXXX on XXXX. They said they needed a card to charge for the tow. No problem. I made it very clear I would not use them if they could not give me a shop to tow. They said they could. I provide my credit card number. The tow truck driver calls a few moments later. He then reports the shop I was told to tow my truck to cant work on my vehicle. I tell him to cancel the tow and was told my card would be charged. The owner texts me days later telling me he thinks he found me a shop to tow my RV to. He thinks. i dispute the charge. I attempted to contact Citi about it. I was not able to provide a statement nor did they reach out to me regarding the matter. Some time later, the owner of the Tow company texts me harassing messages. So i receive no tow, was lied to, and harassed. Citi went a head and sided with the tow company. I did not nor have not received an explanation. I need my {$100.00} back.

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
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

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

Complaint narrative:
I did not consent to authorize nor benet from the following accounts and hard inquiries. I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. I need them to delete and block these inaccurate accounts from reflecting on my credit report. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 
I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). I need them to delete and block these inaccurate accounts from reflecting on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
on XX/XX/XXXX i reached out to try and use my card. I was told to verify some activity, which i did. I then was instructed to submit some documentation via the mail, which i am unable to do since i have been in XXXX for 4 months. I offered to submit what i could. Which was a passport and bank statements and finances. I called today to Use a benefit on XX/XX/XXXX from the card which i pay an yearly fee for. I was then told I could not utilize that benefit after paying anual fee and then the agent promptly made a request to cancel my card, which i told them that is not what i was asking for. I want to just be able to use my card and use the benefits that i paid for with this card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On Thursday XX/XX/year> I started receiving fraud alert texts around XXXX. I replied to the messages that it was not me and I did not authorize it. I then received several phone calls with who I thought was regions but now I am unsure who it was. I tried to login to my mobile banking account online via app on my phone and realized my information was changed and I no longer had access to my own bank information. I was traveling to XXXX from XXXX on XX/XX/year> and was unable to call fraud until XXXX  XX/XX/year> when regions was able to finally lock my account. They said thats all they could do over the phone and that I would need to come in person. I would have called sooner but I was on the phone with I thought regions on Thursday when I was told I was getting a new card send to me and that my account was sealed then. I returned home from XXXX on Sunday evening XX/XX/year> and then went to the XXXX regions bank in person to file a claim on XX/XX/year> ( today, XXXX  ) and now I am still locked out of my account since my information was changed by whoever has my card information and I have not had access to my own banking since Thursday XX/XX/year>. Not only did they steal {$2700.00} of charges that have already gone through there are also several pending charges for over {$500.00} that XXXX praying doesnt go through.

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
Consumer complaint received 2025-07-07 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:
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 XXXX XXXX XXXX XXXX. 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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: AL

Complaint narrative:
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 2025-07-07 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:
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 response to consumer: Closed with non-monetary relief