vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: WV

Complaint narrative:
SO TO START WITH A XXXX XXXX HAD BEEN USING CASH APP AT THE TIME FOR LIKE XXXX XXXX  OR SO IM PRETTY SURE THEN ON HVING MY MONTHLY XXXX  XXXX XXXX CHECK DIRECT DEPOSITED INTO MY ACCOUNT TO BUT I HAD ALSO MOVED TO N COULD NOT LOCATE THE CARD AS WELL N I HAD CALLED THEM CASH APP SUPPORT N ALL SECERAL SEVERAL TIMES CONCERNING THE ISSUE N TOLD THEM I HAD MISPLACED THE CARD N WOULD BE ABLE TO LOCATE CARD SOON WHEN I GOT UNPACKED N THEN NEXT THING I KNOW THEY HAD TAKEN IT UPON THERE SELFS TO JST SAY I VILOTATED CASH APP TERMS N CLOSED MY ACCOUNT WITH MY MONTHLY GOVERNMENT XXXX XXXX in it TO N I DID NOT TELL THEM TO CLOSE IT OUT N THEN I OWED MY MONTHLY RENT TO N ONE CAR PAYMENT LEFT ON MY VEHICLE AT THE TIME TOO N I SPENT HOURS N DAYS N COUNTLESS TIME WITH CASH APP SUPPORT N SUPERVISORS TO N NEVER GOT ANYWHERE AT ALL W THEM BUT THEN IT WAS LIKE XXXX TO XXXX MONTHS LATER I CALLED THEM BACK N AGAIN XXXX ALL INFORMATION REQUIRED N REGARDING MY CASH APP ACCOUNT THEY CLOSED OUT AGAIN N THEN THEY TOLD ME AT FIRST THEY COULD REOPEN MY ACCOUNT N I COULD ACCESS MY FUNDS N ALL WHICH WAS LIKE {$940.00} DOLLARS THEM TO N MAY BE A LITTLE MORE TO BUT I WAS SUPPOSE TO OF GOTTEN A LOAN PUT INTO THE ACCOUNT TO SO WHO KNOW HIW MUCH WAS IN IT AT LAST BUT THEN THEY TOLD ME I COULD NOT DO THAT BUT THEY COULD TRANSFER MY FUNDS TO A NEW CASH APP ACCOUNT I OPENED TO THEN N THEN CAME BACK N TOLD ME THAT I HAD XXXX  XXXX COULD NOT TRANSFER FUNDS OR ISSUE ME A CHECK EITHER CAUSE OF XXXX  IN MY ACCOUNT BUT THEN SAID I COULD USE THE FUNDS AGAIN N ISSUE WAS FIXED BUT ISSUE WAS NOT FIXED N I COULD NOT USE MY XXXX XXXX XXXX XXXX AT ALL N TRYED N TRYED TO CONTACT THEM BXK IN EVERY WAY POSSIBLE TOO N THEY SAID IT WAS A CLOSED ACCOUNT N COULD NOT TALK BOUT ANYTHING AT ALL N COULD NOT PROVIDE ANY MORE INFO ON IT AT ALL ONCE AGAIN SO I ONCE AGAIN LOST ALL HOPES TO ACCESSING MY CASH APP ACCOUNT N GETTING MY MONEY ONCE AGAIN AT ALL N SPENT NUMEROUS DAYS N HOURS N TEXTS N EMAILS N ALL TRYING TO GET HELP N ALL TO GET MY MONEY BACK BECAUSE AFTER ALL OF THAT I LOST MY APT N CAR DUE TO NOT HVING THE MONEY THAT MONTH TO PAY MY BILLS AS ALL N DID PROFF EVERYTHING THEY NEEDED TOO. N COPIES OF THE CASH APP CARD N MY GOVERNMENT ID TO N LEGAL MAIL WITH ADDRESS N ALL ON IT TO N NEVER GOT ANYWHERE WITH THEM AT ALL N THIS IS LIKE XXXX XXXX LATER N STILL NEVER GOT MY XXXX MONTHLY XXXX  XXXX XXXX BACK FROM CASH APP AT ALL N LOST EVERYTHING I HAD BECAUSE OF CASH APP DOINT THE THINGS THEY DID TO ME AS WELL N ETC SO IM HOPING UALL MAY BE ABLE TO HELP ME OR GUIDE ME IN RIGHT DIRECTION TO GET HELP N KY MONEY BACK N MORE TO FIR ALL THE HEADACHES N PAIN N SUFFERING N LISING MY APT N CAR TOO MUCH APPRECIATED TO THANK U SINCERELY XXXX XXXX my email now is XXXX XXXX my cell numbers are XXXX or XXXX as well to n ur help is greatly appreciated to sincerely

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing a complaint against TransUnion for inaccurately reporting information on my credit report and failing to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). 

I disputed the accuracy of a XXXX XXXX account with TransUnion. After the investigation was completed, TransUnion continued to report inconsistent and incorrect information. The account is being reported with inaccurate dates, including a date updated that does not coincide with the investigation timeline. The last payment date reported also does not match the actual payment history. The account status and payment history contain contradictory and incomplete information that does not reflect the true activity on the account. 

In addition, TransUnion failed to mark the account as consumer disputes, even though I submitted a valid dispute. This failure to report the dispute is materially damaging to my credit and is a violation of FCRA 623 ( a ) ( 3 ) and the CRAs duty to maintain maximum possible accuracy under FCRA 607 ( b ).

These errors are negatively impacting my credit score and creditworthiness.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not open this account, and the information being reported is incorrect.

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: TX

Complaint narrative:
I have XXXX Collections ( XXXX and XX/XX/XXXXXXXX XXXX {$190.00}, XXXX and XXXX XXXX XXXX {$350.00} and XXXX XXXX XX/XX/XXXX, XXXX {$480.00} ) resulting in derogatory marks on my credit report as well as XXXX Hard Inquiries that I did not initiate from ( XXXX Bank XXXX XXXXXX/XX/XXXXXX/XX/year>, and XXXXXX/XX/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 2025-11-21 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: TX

Complaint narrative:
I have XXXX Collections ( XXXX and XX/XX/XXXXXXXX XXXX {$190.00}, XXXX and XXXX XXXX XXXX {$350.00} and XXXX XXXX XX/XX/XXXX, XXXX {$480.00} ) resulting in derogatory marks on my credit report as well as XXXX Hard Inquiries that I did not initiate from ( XXXX Bank XXXX XXXXXX/XX/XXXXXX/XX/year>, and XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
DEAR BEST BUY/CBNA : XXXX : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX that unverifiable or misleading data can not lawfully remain on a consumers credit file.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute several inaccurate items on my credit report and request immediate correction or deletion of these entries. The reporting agencies and creditors listed below have included information that is either false, inaccurate, or not associated with me : Address Issue : XXXX XXXX XXXX, XXXX, NY XXXX This address is not associated with me and should be corrected immediately. 

Charge-Off Account : XXXX XXXX XXXX * * High Balance : {$660.00} Date Opened : XX/XX/XXXX Status : Charge Off I have no knowledge of this account. It is inaccurate and must be deleted from my credit report. 

Late Payment Account : XXXX XXXX XXXX XXXX * * High Balance : {$17000.00} Date Opened : XX/XX/XXXX Status : Late Payment This account history is incorrect. I have never missed a payment, and this negative reporting is damaging my credit unfairly. I demand that this account be corrected immediately to reflect accurate payment history. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that is inaccurate or can not be verified. I request that the reporting agencies and creditors investigate these matters thoroughly and delete or correct the erroneous entries without delay. 

Please confirm in writing that these corrections have been made. Failure to promptly and properly correct these inaccuracies XXXX result in further legal action. 

Thank you for your immediate attention to this serious matter.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-11-21 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: MI

Complaint narrative:
Fraudulent inquiries were reported on my credit profile on behalf of transunion by the XXXX XXXX XXXX XXXX XXXX credit. 
Ive also went as far as to report this matter to the FTC and the report # XXXX. I need these fraudulent inquiries removed from my credit as I never authorized them to begin with! Ive attached my proof and identification needed to have this matter 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 explanation
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
I previously disputed the following inaccurate items on my credit report, and the XXXX failed to conduct a reasonable reinvestigation under FCRA XXXX. Despite providing full identity verification and supporting documentation, including my ID, proof of address, and if applicable, an FTC Identity Theft Report, the bureau either verified the items without proof or failed to correct them. These items remain inaccurate and/or the result of identity theft connected to a data breach. 
Items in Dispute : XXXX. XXXX - XXXX * * * * - I was never late ; please correct the record to reflect Paid as Agreed. 
XXXX. XXXX - XXXX * * * * - Identity theft please block and delete under FCRA 605B. 
XXXX. XXXX - XXXX * * * * - I was never late ; please correct the record to reflect Paid as Agreed. 
XXXX. XXXX - XXXX * * * * - I was never late ; please correct the record to reflect Paid as Agreed. 
XXXX. XXXX XXXX - XXXX * * * * - I was never late ; please correct the record to reflect Paid as Agreed. 
XXXX. XXXX - XXXX * * * * - I was never late ; please correct the record to reflect Paid as Agreed. 
XXXX. XXXX  - XXXX * * * * - I was never late ; please correct the record to reflect Paid as Agreed. 
XXXX. XXXX - XXXX * * * * - I was never late ; please correct the record to reflect Paid as Agreed. 
XXXX. CXXXX  - XXXX * * * * - Identity theft please block and delete under FCRA 605B. 
XXXX. XXXX - XXXX * * * * - I was never late ; please correct the record to reflect Paid as Agreed. 
XXXX. XXXX - XXXX * * * * - I was never late ; please correct the record to reflect Paid as Agreed. 
XXXX. XXXX - XXXX * * * * - I was never late ; please correct the record to reflect Paid as Agreed. 
XXXX. XXXX XXXX XXXX - XXXX * * * * - Identity theft please block and delete under FCRA 605B. 

XXXX. XXXX - XX/XX/year> - XXXX did not authorize this inquiry. Please remove it from my credit report

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: Problem with fraud alerts or security freezes — 
Company: CREDIT CONCEPTS, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX I went to an auto dealership called auto XXXX and they recommended me to a company that would lend me money to purchase a car that car only lasted 8 months before it was broken down on the side of XXXX XXXX. With engine problems. 
The XXXX and the auto dealership were friends and had previously done business together and unwittingly I was sold a junk car and now XXXX expected to pay for it. 
On XX/XX/XXXX I took a loan out for {$5800.00} and my last payment was XX/XX/XXXX. When the car broke down, I had it towed by XXXX towing and it stayed in their yard. I paid for the impound and credit concepts picked up the car and took it to an auto and quoted me {$5000.00} for the engine to be fixed. I did not have {$5000.00} so I told him that I didnt have {$5000.00} and I could not do anything with the car or the payment payments On XX/XX/XXXX a separateloan was taken out in my name in the amount of {$4800.00} and the amount was paid off XX/XX/XXXX this loan, was taken out by credit concepts and was not authorized by me. I asked XXXX at credit concepts about showing me the bill of sale for the car and also her version of the credit report that was charged off in my name and she did not want to produce either XXXX of those and at this current moment, they are now assuming me for the loan that was taken out and the initial loan plus interest which is XXXX % interest on a {$4800.00} loan. My total amount is over {$10000.00} and I have no car and no proof of the vehicle, either being sold or totaled.

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: 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 submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccuracies I have identified on my credit report with the XXXX major credit bureaus : Equifax ( XXXX ), Experian ( XXXX ), and TransUnion ( XXXX ). Below is a detailed summary of the accounts in dispute Charged-Off Accounts : XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX Account Number : XXXX, XXXX Opened : XX/XX/XXXX, Balance : {$0.00} XXXX CRED Account Number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} AFFIRM XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX  XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX FCU, Date : XX/XX/XXXX FIRST TECH FCU, Date : XX/XX/XXXX XXXX XXXX FCU, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX WAYMC/CBNA, XXXX : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXXA, Date : XX/XX/XXXX XXXX XXXX XXXX  Date XXXX XX/XX/XXXX FIRST XXXX BANK, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX Experian ( XXXX ) XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXccount Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX 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 2025-11-21 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
I asked who they were and they force me to set a pay date or else they sue me.

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: UT

Complaint narrative:
I am disputing a {$320.00} damage claim that XXXX Rent A Car referred to Summit A * R for collection. 

I rented a XXXX XXXX ( rental agreement # XXXX ) from XXXX at XXXX XXXX XXXX from XXXX XXXX, XXXX. After the rental, XXXX claimed I had caused a scratch to the front driver-side rim. I did not cause this damage. The damage was already present when I picked up the vehicle. I noticed the damage when I picked up the car, but considered it minor and didn't feel a need to report it. 

I told XXXX this repeatedly in writing and asked for time-stamped photos showing the rim before my rental. XXXX admitted that they do not take photos of vehicles at checkout and has never produced any pre-rental photographic evidence that the rim was undamaged before I received the car. 

XXXX then referred the claim to Summit A * R. When I requested validation, Summit sent me : - The rental agreement listing numerous pre-existing damages, including damage to the front passenger-side rim, but nothing showing the front driver-side rim was undamaged before my rental. 

- A damage report stating that the front driver-side rim had a scratch XXXX cm, and a customer response section that reflects my position : it says the damage was noticed at pickup and that it was not caused by me. 

Despite the lack of any pre-rental photos and despite my clear written denials, XXXX and Summit are still trying to collect this {$320.00} from me and have threatened escalation and possible impact to my credit. I believe they are attempting to collect for damage that was pre-existing and can not show occurred during my rental. 

I am asking the CFPB to review this matter and require XXXX and Summit A * R to stop collection efforts on this invalid claim and ensure they do not report this as a legitimate default on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation