vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The bureau has demonstrated a sustained pattern of wilful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 1681n, by continuing to report information that is inaccurate and unverifiable despite multiple, properly submitted disputes over an extended period. This conduct indicates not mere negligence but a conscious disregard of statutory obligations and consumer rights.

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 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
I only us CashAPP to send money to my daughter for child support and that's the only time I use it, I asked to review my account and this morning I received an email stating that my account will still be closed because I violated their terms, I would like to know what I violated as far as sending money to my XXXX daughter. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputes to TransUnion, Equifax, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputes to TransUnion, Equifax, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Approximately XXXX weeks ago, Citizens Bank closed my bank account without prior notice. At the time the account was closed, I had a balance of {$1300.00}. 

After the account was closed, I contacted Citizens Bank multiple times to request an explanation for the closure. However, the bank has refused to provide a clear reason for why my account was closed. 

As a result of this account closure, I have been unable to open a bank account at other financial institutions, as the closure by Citizens Bank appears to be preventing me from doing so. This situation has caused significant financial difficulties. 

I am requesting that Citizens Bank provide a clear written explanation for the closure of my account and clarify or correct any information they XXXX have reported that is affecting my ability to open a bank account elsewhere. I also want confirmation regarding the status and return of my {$1300.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
EXPERIAN, EQUIFAX, AND TRANSUNION HAS FAILED TO PROPERLY INVESTIGATE DISPUTES THAT ARE THE CAUSE OF FRAUD AND IDENTITY THEFT. IGNORING MY FTC REPORT, POLICE REPORT, ETC. I HAVE DISPUTED THIS INFORMATION SINCE XXXX WHEN ACCOUNT WAS OPENED AT XXXX XXXX XXXX IN WHICH THE CAR WAS PURCHASED. NO ONE HAS ATTEMPTED TO ASSIST WITH THIS MATTER THAT CONTINUES TO COST ME FINANCIALLY AND MENTALLY. THE ADDRESS ON LETTER XXXX XXXX SENT TO CFPB IS NOT MINES AND NOR HAVE I EVER LIVED AT XXXXXXXX XXXX XXXX XXXX, TEXAS, XXXX. 

XXXX XXXX HAS NOT FURNISHED ME WITH Copies of the application used to open the account. 
Transaction records ( receipts, signatures, IP addresses ). 
Any other business records related to the fraudulent account. 

AN AUTO LOAN WAS OPENED IN MY NAME AT XXXX XXXX XXXX XXXX WITHOUT MY CONSENT IN THE AMOUNT OF {$60000.00}. THE AUTO WAS NOT REPOSSESSED FROM ME ARE MY HOME THAT I HAVE BEEN RESIDING AT WITH MY PARENTS XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TEXAS XXXX, SINCE XX/XX/XXXX. I HAVE NEVER SIGNED ANY CONTRACT BEARING MY SIGNATURE FOR ANY AUTO LOAN WITH XXXX XXXX. MY NAME IS XXXX XXXX XXXX XXXX, THIS ACCOUNT NAME IS XXXX XXXX, THAT IS NOT ME.

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 2025-12-22 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: TX

Complaint narrative:
EXPERIAN, EQUIFAX, AND TRANSUNION HAS FAILED TO PROPERLY INVESTIGATE DISPUTES THAT ARE THE CAUSE OF FRAUD AND IDENTITY THEFT. IGNORING MY FTC REPORT, POLICE REPORT, ETC. I HAVE DISPUTED THIS INFORMATION SINCE XXXX WHEN ACCOUNT WAS OPENED AT XXXX XXXX XXXX IN WHICH THE CAR WAS PURCHASED. NO ONE HAS ATTEMPTED TO ASSIST WITH THIS MATTER THAT CONTINUES TO COST ME FINANCIALLY AND MENTALLY. THE ADDRESS ON LETTER XXXX XXXX SENT TO CFPB IS NOT MINES AND NOR HAVE I EVER LIVED AT XXXXXXXX XXXX XXXX XXXX, TEXAS, XXXX. 

XXXX XXXX HAS NOT FURNISHED ME WITH Copies of the application used to open the account. 
Transaction records ( receipts, signatures, IP addresses ). 
Any other business records related to the fraudulent account. 

AN AUTO LOAN WAS OPENED IN MY NAME AT XXXX XXXX XXXX XXXX WITHOUT MY CONSENT IN THE AMOUNT OF {$60000.00}. THE AUTO WAS NOT REPOSSESSED FROM ME ARE MY HOME THAT I HAVE BEEN RESIDING AT WITH MY PARENTS XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TEXAS XXXX, SINCE XX/XX/XXXX. I HAVE NEVER SIGNED ANY CONTRACT BEARING MY SIGNATURE FOR ANY AUTO LOAN WITH XXXX XXXX. MY NAME IS XXXX XXXX XXXX XXXX, THIS ACCOUNT NAME IS XXXX XXXX, THAT IS NOT ME.

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 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I disputed this debt through Experian XXXX responded debt verified. I have no contract with company to pay these debt. 
No proof has been provided that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Mortgage — USDA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
My XXXX XXXX bankruptcy was reopened in XX/XX/XXXX due to my attorneys failure to file a reaffirmation agreement on my mortgage. ( Originally finalized in XX/XX/XXXX ) During this period, the automatic stay was in effect. 

On XX/XX/XXXX, I was incorrectly granted online access by the servicer according to them and attempted to make a mortgage payment. That payment was rejected by the servicer, and I was not notified of the failure or letter created to explain the failure via email as usual. I later learned that the online access had been granted in error and subsequently removed. 

I contacted the servicer on XX/XX/XXXX upon discovering the issue. Due to a federal holiday, weekend, and bill pay processing timelines, payment could not be reissued until XX/XX/XXXX because I was told I was unable to pay over the phone or online due to the bankruptcy. I do bill pay that day but unfortunately they require it to go to mail to a different address than usual payments. 

Despite this, the servicer reported a 30-day late payment. This delinquency resulted from servicer error, lack of notice, and bankruptcy procedural confusionnot borrower nonpayment. I am requesting immediate correction of all credit reporting to remove the late payment and reflect accurate status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have an account with Coinbase with {$1000.00} in XXXX. I was unable to trade, withdraw, deposit and etc.. I called Coinbase to resolve the issue and they said I had XXXX accounts and that they had to close the first XXXX so they close the first XXXX for me and then they said the issue should should be able to use the account but then I had to call them again because after a month I still wasnt able to use the account so then they went over checking some other information like proof of citizenship which I provided them with. Then they sent me an email saying that. My account has been verified and now I can use it but yet again I had no access to my account for another month. I called them again, they apologized and said in XXXX to XXXX business days I will have access. its been about XXXX months now and I still dont have access to my account. I called them again today, and they said they dont know what the issue is. They arent gon na tell me and now theyre gon na contact a higher higher department, but I still dont have access to my account or my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-22 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: MD

Complaint narrative:
b'CFPB STATEMENT NEW METHOD \n\nI am submitting this statement because I am a victim of identity theft connected to a data breach in which my personal information was accessed without my permission. This breach resulted in fraudulent activity on my credit report, including unauthorized accounts and negative items that I did not create, authorize, or approve. I am requesting an immediate investigation and the removal or blocking of all fraudulent information from my credit file.\n\n1.XXXX XXXX XXXX Account Number: XXXX EXPERIAN / EQUFIAXXXXX XXXXcount Number: XXXX: EXPERIAN XXXX XXXX XXXX  Account Number: XXXX EXPERIAN / EQUFIAX\n\n\nFurthermore, I am also requesting the removal of any inaccurate, outdated, or unauthorized personal information that may have been added or altered as a result of this identity theft incident: \n\nPERSONALINFO:XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX MD 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 2025-12-22 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: MD

Complaint narrative:
b'CFPB STATEMENT NEW METHOD \n\nI am submitting this statement because I am a victim of identity theft connected to a data breach in which my personal information was accessed without my permission. This breach resulted in fraudulent activity on my credit report, including unauthorized accounts and negative items that I did not create, authorize, or approve. I am requesting an immediate investigation and the removal or blocking of all fraudulent information from my credit file.\n\n1.XXXX XXXX XXXX Account Number: XXXX EXPERIAN / EQUFIAXXXXX XXXXcount Number: XXXX: EXPERIAN XXXX XXXX XXXX  Account Number: XXXX EXPERIAN / EQUFIAX\n\n\nFurthermore, I am also requesting the removal of any inaccurate, outdated, or unauthorized personal information that may have been added or altered as a result of this identity theft incident: \n\nPERSONALINFO:XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX MD 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 2025-12-22 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: NJ

Complaint narrative:
I previously challenged these items and requested that they be corrected or fully removed. However, after my disputes, the company continues to report the same tradelines and has not provided a clear, fact-based explanation or outcome supported by actual evidence. 
This continued reporting suggests noncompliance with the Fair Credit Reporting Act ( FCRA ), including the obligation to follow reasonable procedures to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ), and the obligation to perform a reasonable reinvestigation of disputed information under 15 U.S.C. 1681i.

If the companys position is that the information was verified, I am requesting the complete verification particularsnot a boilerplate response. Specifically, I request disclosure of the method of verification required by 15 U.S.C. 1681i ( a ) ( 7 ), including : The precise source ( s ) consulted to confirm the information ; The identity of the furnisher used for verification and what data was obtained from that furnisher ; The date and manner of the verification process ; and The basis for the decision to keep reporting the tradelines as accurate.

I am seeking CFPB assistance because this inaccurate reporting is causing continuing harm, and the matter has not been resolved through standard dispute channels. I request prompt deletion and/or correction of any information that can not be properly substantiated, along with written confirmation of the reinvestigation results and the verification method used.

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 2025-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
There was a credit card opened with XXXX XXXX through Synchrony Bank on XX/XX/year> without my consent or knowledge. There was {$660.00} used on that day. I have already disputed through TXXXX XXXX and XXXX  and have also placed a freeze on my credit. I did not approve this.

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 2025-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am a victim of fraud. 

On XX/XX/XXXX, my phone number and email account were hacked. As a result, my XXXX XXXX and XXXX accounts were compromised. The hacker gained unauthorized access to my accounts and withdrew money using an old checking account current card which is under XXXX XXXX Bank, which I had not used for the past XXXX years.hacker made XXXX virtual card and mailed the card into his address.and the hacker opened XXXX current account by using my identity and and withdrew the money from the account. ow the company is refusing to provide reimbursement. 

They are responsible for the unauthorized withdrawal of the money. 

On XX/XX/XXXX, the hacker somehow accessed that inactive bank account and created XXXX virtual debit cards, which were mailed to the hackers address. Using that account, the hacker withdrew money from my XXXX XXXX and XXXX accounts. 

The total amount stolen was {$2100.00} I contacted Current company immediately after discovering the fraud. However, both companies stated that the transactions were authorized and have refused to reimburse my lost funds, despite this being a case of unauthorized access and fraud. Due to their lack of adequate security measures, I suffered a financial loss of {$2100.00} Additionally, the fraudster is now attempting to open credit card accounts using my identity, which has caused me severe stress and financial hardship. 

I have filed police reports, but I have not yet received any response. This ongoing fraud has greatly affected my life, and I urgently need assistance.

Company response to consumer: Closed with explanation