vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NM

Complaint narrative:
am filing a complaint against Cash App regarding their mishandling of my unauthorized transaction dispute. I was charged with a total of XXXX XXXX worth of XXXX XXXX coins. I filed a dispute for several unauthorized transactions made through my account, and I provided strong evidence proving that these transactions were not made by me. 

Despite this, Cash App denied my dispute without a valid explanation. When I called customer support, they told me I would receive the reason for the denial that same daybut I never did. I called again the next day, and the representative told me I would have to wait XXXX business days for an email explanation. This makes no sense since I was already promised a same-day follow-up. 

Additionally, I provided proof from the merchant ( XXXX ) confirming that the only reason they couldnt refund the transactions was because my card was locked. This directly supports that the charges were unauthorized, yet Cash App still denied my claim without addressing that evidence. The merchant also said that they dont see any activity made with the last digits of the card that the unauthorized transaction was made even though my cash app account history said so otherwise. 

Cash App has been unhelpful, inconsistent, and dismissive throughout this process. They also did not provide me with a provisional credit for the transactions as I was waiting for the dispute to be resolved. They denied my claim and I went ahead and filed an appeal. and that same day, they denied the appeal without even reviewing the additional evidence i provided. I am requesting that the CFPB review this issue and require Cash App to properly investigate my dispute and provide a detailed explanation for their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: WA

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and have a police report or FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
TSI/XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research TSI/XXXX  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 - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that 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.

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 2025-11-06 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding two LMMINC accounts being reported on my credit report that I have no knowledge of. The accounts are : LMMINC Account # XXXXXXXX XXXX XXXX High Balance : {$710.00} Date Opened : XX/XX/year> LMMINC Account # XXXXXXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/year> I have never opened or authorized any account with LMMINC. These accounts appear to be inaccurate or reported in error. I request that the CFPB investigate this matter and ensure the furnisher provides proper validation and proof that these debts belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
My Name is XXXX XXXX XXXX, SS # XXXX under the Fair Credit Reporting Act ( FCRA ), it is generally illegal to report information on my credit report without my permission, as this violates my privacy rights. The FCRA requires " permissible purpose '' for a person or organization to access my credit report and allows me to sue for damages if this rule is broken. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove all negative item from my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 611. Signed : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: AZ

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-06 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 have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-11-06 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC
State: NH

Complaint narrative:
On XX/XX/year>, I took out a loan in the amount of {$1500.00} with LoanMax in XXXX. I was financially stable at the time of taking out the loan, I later lost my job and was unable to make payments. Interest and fees continued to be piled on, until they received a letter from me, with the state law attached, which states they can not continue to add interest on a loan in default after 60 days. They also can not charge more than a single late fee, not in excess of 5 % of the installment in default. They are continuing to add {$5.00} or more per day, to the loan balance, which is rapidly increasing the amount owed, despite NH state law RSA 399-A:15 which states that they can not do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
I noticed a bunch of unauthorized charges on my XXXX  debit account. I reached out to XXXX. Had a new card sent and disputed the transactions. XXXX  has decided those transactions were in line with what I normally purchase and denied the disputes. They did not reach out to the vendor that charged me and they did not ask for any other information for me. 

All charges are from the same vendor but seem to have different states and payment vendors used. 

XX/XX/XXXX {$84.00} XX/XX/XXXX {$79.00} XX/XX/XXXX {$26.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$18.00} XX/XX/XXXX {$33.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/XXXX at XXXX, I had 2 unauthorized charges to my bank card. One was for {$660.00} and one was for {$2.00}. Both charges were for the same merchant. 
I filed a dispute with Chime and it was denied. During this time I requested a new bank card and multiple other transactions were attempting to come out of my account. They denied my dispute on XX/XX/XXXX. On XX/XX/XXXX, I re opened my dispute case and sent them pictures of my transactions to that merchant. The fraudulent charges did not appear. I also sent them documents that the merchant could not locate that transfer anywhere. On XX/XX/XXXX, they denied my dispute again. On XX/XX/XXXX I opened the dispute again. They denied it again on XX/XX/XXXX. On XX/XX/XXXX reopened my dispute case again and sent them the police report documents. They denied my case again on XX/XX/XXXX. I called chime immediately but they did not offer any more help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: NY

Complaint narrative:
I am disputing the following items on my Equifax credit report due to discrepancies in the reported information. Please review and correct these entries in accordance with the Fair Credit Reporting Act. 

CHARGED OFF XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$240.00} This account is inaccurately reported as charged off. I respectfully request verification of the reported balance and account status. 

XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Please verify the accuracy of this account, as I do not recall this balance. If the account can not be verified, I request it to be removed. 

XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} This account is incorrectly marked as charged off. Please provide documentation that justifies this status. 

XXXX Account XXXX : XXXX Date XXXX : XX/XX/XXXX Balance : {$700.00} I request verification of this account 's status and balance to ensure the accuracy of the reporting. 

XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$960.00} Kindly provide detailed documentation confirming the balance and the status of this account. 

XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$3200.00} Please review the accuracy of the account balance and status and provide verification. 

XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} I dispute the charged-off status of this account. Please verify and update accordingly. 

XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$490.00} I request that this account be verified for accuracy and updated as necessary. 

XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$120.00} Kindly provide full verification of this account and its reporting details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief