vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. My student loan account, which had been in good standing and reported as current, was suddenly marked as XXXX days latewithout any prior XXXX or XXXX delinquencies being reported. This is inconsistent with the standard reporting timeline and raises serious concerns about the accuracy and integrity of the information being furnished.Under the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be complete and accurate. Reporting a XXXX delinquency without any prior notice of XXXX or XXXX lateness is a clear violation of this standard. 
Additionally, I noticed that Equifax does not even show this account as up to date, failing to reflect the history of on-time payments or the accounts previously good standing. This omission further contributes to the inaccuracy and misrepresentation of my credit profile. 

Ive attached a copy of my credit report highlighting these discrepancies on the following dates : XXXX Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that this account be corrected and updated to reflect the accurate payment history. You can not report or retain inaccurate information with knowledge that it contains errors. Thank you for your understanding and prompt action. Please update this account to reflect its correct status : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. My student loan account, which had been in good standing and reported as current, was suddenly marked as XXXX days latewithout any prior XXXX or XXXX delinquencies being reported. This is inconsistent with the standard reporting timeline and raises serious concerns about the accuracy and integrity of the information being furnished.Under the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be complete and accurate. Reporting a XXXX delinquency without any prior notice of XXXX or XXXX lateness is a clear violation of this standard. 
Additionally, I noticed that Equifax does not even show this account as up to date, failing to reflect the history of on-time payments or the accounts previously good standing. This omission further contributes to the inaccuracy and misrepresentation of my credit profile. 

Ive attached a copy of my credit report highlighting these discrepancies on the following dates : XXXX Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that this account be corrected and updated to reflect the accurate payment history. You can not report or retain inaccurate information with knowledge that it contains errors. Thank you for your understanding and prompt action. Please update this account to reflect its correct status : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In late XX/XX/year>, my Citibank account was suddenly locked without any prior notice. I was not informed via email, phone, or system message. I only discovered the issue when I attempted to log in and found myself completely locked out, without access to my funds or even the ability to view my account balance. 

Over the next several weeks, I called Citibank nearly 10 times. I was told that four separate verification letters were mailed to me. However, I never received any of them. 

During the same period, I continued to receive Citibank promotional materials at the exact same address, confirming that the mailing address on file is accurate and functional. 

Despite this, Citibank refused to confirm what address they had in their system, simply stating that " its whatever is on file '' without offering a way for me to verify or update it. 

Worse, I was told that there were no other options to verify my identity : no in-branch visit, no email confirmation, no document uploadonly the physical letter, which never arrived. 

This has caused serious financial disruption. I have been unable to access my funds for weeks. Citibank refused to tell me : When the letters were sent Whether they were mailed Whether any tracking was available What address did they use? 

What is my account balance? 

I am a responsible account holder with no fraudulent activity, and yet I have been treated as if I do not exist in the system. This process lacks transparency, accessibility, and basic customer protection. I am requesting an immediate investigation into : Why was my account locked without notice? 

Why was I denied access to verify or update my address? 

Why were no alternative verification methods provided Why was I denied visibility into my account balance? 

This has significantly harmed my financial stability and confidence in Citibanks practices. I expect a full review and formal resolution.

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 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX, I purchased a vehicle ( XXXX XXXX XXXX, XXXX : XXXX ) in full, with no financing. I later discovered that a loan was fraudulently filed under this vehicle with XXXX XXXX I did not authorize or sign for this loan, and I have no knowledge of any credit application related to it. 

My insurance company, XXXX, issued a total loss payout of {$77000.00} to XXXX XXXX on XX/XX/XXXX, because the vehicles title erroneously showed a lien. I immediately submitted a Police Report ( XXXX Police Case XXXX, categorized as Deceptive Practice ), an Identity Theft Victim Statement, XXXX XXXX Report showing no active liens, and my original Bill of Sale to CXXXX XXXX  XXXX 

Despite full documentation submitted over three weeks ago, XXXX XXXX has not provided any case status or resolution. This is preventing me from recovering the funds and may result in ongoing financial harm. 

I am requesting CFPB assistance in compelling XXXX XXXXXXXX to : Investigate and acknowledge that the loan was unauthorized Remove any lien or account associated with my name/VIN Assist in resolving the incorrect insurance payout Provide formal confirmation of resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act the list of inquiries have violated my rights.

15 u.s.c. section 502A states I have the right to privacy. 

please delete inquiries below they are fraudulent and were not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
See attachment below! 
I am writing to formally dispute the accuracy and legality of multiple items on my Experian credit report. These items contain material inaccuracies and misrepresentations, and I demand their immediate deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-05-20 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: Cascade CISS Holdings, LLC
State: CA

Complaint narrative:
A credit card for XXXX XXXX was stolen in the mail. There was evidence and police reports. XXXX XXXX sent text to approve purchase and I declined purchase on my phone because I had not received card yet. XXXX XXXX approved purchase anyhow. I saw charges and began disputing. I submitted a fraud report with police and US postal service evidence multiple times. XXXX XXXX lost it multiple times. Finally, after many months of fighting with them, they acknowledged receiving it and did an investigation and came to the conclusion that it was fraud. I was assured all charges and credit reporting would be corrected. I received a letter indicating so. I spoke to multiple supervisors requesting a letter indicating I have no late payments that a mortgage lender needed to help me improve my home. XXXX XXXX has refused and told me I have to wait several months until credit report is updated. I got an update and learned they reported it as a charge-off which made the situation worse. I have been on the phone for hours multiple times per week and no one will help with the situation and correct my credit. I can not get even a simple letter so that mortgage lender can use for a temporary re-score. The only adverse item is there's but it is preventing from improving my finances. I considerate it fraud against me by XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Equifax Information Services LLC, XXXX. XXXX XXXX XXXX, GA XXXX RE : FINAL DEMAND FOR DELETION INACCURATE PREMIER XXXX REPORTING Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as a final demand for the immediate deletion of the XXXX XXXX account from my Equifax credit report due to false, misleading, and unverifiable information, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Equifax is falsely reporting the following : Status : Charged Off Written-Off Amount : {$640.00} Past Due Balance : {$640.00} This recent update constitutes knowingly publishing and republishing inaccurate information. I have enclosed a letter from XXXX XXXX data furnisherwhich clearly states : XXXX. The account was NOT charged off. 
XXXX. The balance is LESS THAN {$600.00}, not {$640.00} as Equifax falsely reports. 

This is not a clerical oversight. It is a material inaccuracy, and your recent update to reinforce this false information shows willful disregard for accuracy and compliance with federal law. 

FCRA VIOLATIONS EQUIFAX IS IN BREACH OF : XXXX. FCRA 607 ( b ) 15 U.S. Code 1681e ( b ) : You are required to follow reasonable procedures to assure maximum possible accuracy. Updating the account with false data after receiving correct information from the furnisher is a direct violation of this obligation.

2. FCRA 611 15 U.S. Code 1681i : You are required to investigate and remove inaccurate or unverifiable information. If youve failed to verify this data with the furnisher before your XXXX XXXX update, that constitutes negligent reinvestigationor worse, no investigation at all.

3. FCRA 602 15 U.S. Code 1681 ( a ) : Congress mandated that reporting agencies operate with fairness, impartiality, and respect for consumer rights. You are clearly failing that duty. 

FORMAL DEMAND Based on the evidence from the furnisher and the recent inaccurate update, I am demanding the immediate and full deletion of the XXXX XXXX account from my Equifax credit report. 

Your failure to do so will trigger the following actions : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ) Formal complaints to the Federal Trade Commission ( FTC ) Potential civil litigation for damages under FCRA 1681n and 1681o, which include statutory and punitive damages, plus attorneys fees for both willful and negligent noncompliance. 

ENCLOSURES XXXX XXXX Letter Confirming No Charge-Off and Lower Balance You are hereby put on final notice. I expect confirmation of deletion within XXXX calendar days from the date of this letter. Do not send generic stall responses. I will pursue all available legal remedies if this is not resolved immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX. 
* * XX/XX/year> * * Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX * * Subject : Follow-Up Complaint Against Chase Bank for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am submitting this letter to provide additional details regarding a formal complaint I have already filed against Chase Bank for their negligence in handling a fraud case that has caused me significant financial harm. 

On * * XX/XX/XXXX and XXXX, 2025 * *, I reported fraudulent activity on my account to the bank as soon as it occurred. Rather than taking immediate and appropriate actionsuch as placing a restriction or hold on the compromised accountthe bank merely advised me to change my user ID and password. 

This precaution was wholly inadequate. The scammers were still able to access my account, deposit fraudulent checks, and withdraw falsely credited funds. The total amount involved in this fraudulent activity, including falsely credited checks, was {$4600.00}. 

Despite my proactive reporting, the banks failure to secure the account in a timely and responsible manner allowed the fraud to continue. I am now left with a negative balance and in a severe financial crisis, entirely due to the banks negligence. 

Even after submitting a complaint, the bank continues to deny responsibility, refusing to acknowledge their failure to act decisively and appropriately to prevent further loss. Their inaction has placed the entire burden of this situation on me, the customer, which I find grossly unjust. 

I respectfully request that the CFPB further investigate this matter and hold the bank accountable for its role in allowing these fraudulent transactions to occur after being clearly warned. I am seeking a resolution that reflects the bank 's failure to protect my account despite being alerted in real time. 

Please let me know if further documentation or clarification is needed. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Thanks for the clarification. XXXX an updated version of your CFPB complaint that includes your request for the accounts to be removed entirely if they can not be corrected : Complaint to the CFPB Subject : Repeated Monthly Reporting of Charge-Offs by State Employees Credit Union XXXX XXXX ) Dear Consumer Financial Protection Bureau XXXX XXXX am submitting this complaint against State Employees Credit Union XXXX XXXX ) for their repeated and inaccurate reporting of charged-off accounts on my Experian credit report. These accounts are being reported as newly charged-off every month, which is both misleading and unfairly damaging my credit profile. 

According to the Fair Credit Reporting Act ( FCRA ), charge-offs should be reported once and not repeatedly as ongoing derogatory entries. This repetitive reporting gives the impression that the account is being charged off multiple times, which is not accurate and inflates the severity of the delinquency. 



Details of Accounts XXXX Improperly Reported : 1. Account # XXXX ( Unsecured Loan ) Original Balance : {$500.00} Charged Off : {$470.00} Charge-Off Reported : XX/XX/XXXX Issue : CO reported for XXXX, XXXX, XXXX, XXXX XXXX XXXX. Account # XXXX ( Line of Credit {$700.00} Limit ) Charged Off : {$720.00} Charge-Off Reported : XX/XX/XXXX Issue : CO reported for XXXX, XXXX, XXXX, XXXX XXXX XXXX. Account # XXXX ( Line of Credit {$200.00} Limit ) Charged Off : {$68.00} Charge-Off Reported : XX/XX/XXXX Issue : CO reported for XXXX, XXXX, XXXX, XXXX XXXX XXXX. Account # XXXX ( Auto Loan ) Original Balance : {$17000.00} Charged Off : {$12000.00} Charge-Off Reported : XX/XX/XXXX Issue : CO reported in XXXX and XXXX XXXX ; also marked with R ( Repossession ) in XXXX and XX/XX/XXXX 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: EQUIFAX, INC.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally demand resolution regarding unauthorized transactions on my Cash App account. Despite promptly reporting these fraudulent charges and complying with the dispute process, I have received neither a refund nor adequate assistance from Cash App. I contacted Cash App customer service multiple times but was met with inadequate responses and delays. The companys failure to properly investigate and address these claims is unacceptable and has caused me significant distress. 

I understand that the Consumer Financial Protection Bureau ( CFPB ) has ordered XXXX XXXX parent company to pay {$170.00} XXXX in refunds and penalties due to widespread failures to protect users from fraud. As an affected user, I am entitled to compensation under this settlement. 

I expect Cash App and the CFPB to take immediate action to ensure I receive the refund and support owed to me. Failure to do so will leave me no choice but to pursue further remedies to protect my rights. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation