vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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:
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! 


INQUIRIES : 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 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 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 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
The NMLS ID XXXX in your image belongs to Block, Inc. ( Cash App ). As of XXXX, the federal government has officially confirmed that Cash App 's customer service and security systems have failed me XXXX XXXX XXXX as a user.Inaccessible Customer Service : I found that Cash App intentionally made it hard to reach a human, which allowed fraud to thrive to all my accounts.Missing/Locked Accounts : I also found und Cash App failed to properly investigate when I XXXX XXXX XXXX reported that my accounts were taken over and my money was missing.I am contacting you regarding the XXXX  CFPB Consent Order ( File No. XXXX ). I have multiple accounts with missing deposits that your standard support claims they can not locate. I am requesting an investigation and redress under the terms of the settlement. " Block , Inc Failed to investigate unauthorized transfers and account takeover.In this claim I also want to add XXXX v. Block, Inc. '' Class Action.For additional references look up ( XXXX et al. v. Block , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: AR

Complaint narrative:
To Whom It XXXX Concern, I am submitting this complaint against XXXX XXXX XXXX and Experian Information Solutions XXXX XXXX for willful violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including but not limited to 1681s-2 ( a ), 1681s-2 ( b ), 1681e ( b ), and 1681i. 

The account in question is an auto loan reported by XXXX XXXX XXXX that is currently being furnished as Charged Off / Written Off with a balance of {$28000.00}. This reporting is materially inaccurate, internally inconsistent, and legally indefensible for the following reasons : XXXX. Illegal Balance Inflation & Contradictory Reporting The account reflects an original balance of {$25000.00}, yet XXXX is reporting a past-due balance of {$28000.00}, exceeding the original obligation. 
XXXX simultaneously reports the account as charged off and written off, while continuing to report a past-due balance, which violates XXXX XXXX XXXX standards and constitutes deceptive furnishing. 
XXXX. Failure to Accurately Report Charge-Off Status Once an account is charged off, it must reflect a {$0.00} past-due amount and be coded accurately. Reporting a charged-off account as both closed and past due is false and misleading to creditors and scoring models. 
XXXX. Failure to XXXX a XXXX XXXX Experian has published this inaccurate data without ensuring maximum possible accuracy, in direct violation of 15 U.S.C. 1681e ( b ). 
Any automated or superficial verification conducted by XXXX does not meet the reasonable investigation standard required under 1681s-2 ( b ).

4. Ongoing Harm and Damages This false reporting has caused severe credit damage, denial of credit opportunities, increased interest rates, and reputational harm. 
Continued reporting after notice constitutes willful noncompliance, exposing both parties to statutory, actual, and punitive damages under 15 U.S.C. 1681n. 

DEMAND FOR XXXX XXXX XXXX XXXX XXXX can not legally substantiate this tradeline in full compliance with the FCRA and XXXX XXXX standards, I am demanding the following : Immediate and permanent deletion of this tradeline from Experian Written confirmation of deletion Cessation of any further inaccurate reporting Correction is not acceptable. The data is fundamentally unreliable and unfit for reinsertion. 

If this matter is not resolved promptly through deletion, I am prepared to escalate with : Formal litigation under the FCRA State Attorney General complaints Additional regulatory filings This complaint serves as formal notice. Continued reporting after receipt of this complaint will be construed as knowing and willful misconduct. 

Sincerely, 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 2025-12-29 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: TN

Complaint narrative:
I am filing this complaint because TransUnion failed to properly investigate an inaccurate repossession account. 

After I disputed this account, TransUnion did not provide lawful verification and instead resent my credit report, without correcting the inaccurate information. This does not meet the investigation requirements under the Fair Credit Reporting Act. 

This same repossession account was deleted by XXXX  and XXXX, confirming the information is not verifiable. Despite this, TransUnion continues to report the account, resulting in inconsistent and inaccurate credit reporting. 

I am requesting immediate deletion of this repossession account.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
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! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: TX

Complaint narrative:
I made a Deposit into my new Business account on XX/XX/XXXX at Comerica Bank that was open for the purposes of receiving Employee Retention Funds that were refunded to XXXX XXXX XXXX from the Internal Revenue Service. Comerica bank has placed 3 extended holds without particular explanation. I believed that I was profiled by the branch manager located at XXXX XXXX XXXX XXXX, XXXX  I was also told that my deposited funds were requested to be returned to the United States Treasury, which was not true, because I followed up with the IRS, and the information that was told to me by the branch manager was false. I visited the branch on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX the first hold was placed on XX/XX/XXXX after the deposit was made available after midnight on the XX/XX/XXXX after which a hold was placed that would expire on XX/XX/XXXX another extended hold was placed on XX/XX/XXXX, which was to expire on XX/XX/XXXX, I've since received another letter informing me of another extended hold, due to expire on XX/XX/XXXX after being told by the branch manager that the funds were requested to be returned to the United States Treasury. This was not true. I have yet to receive a sincere explanation of where my funds are at this point. And I have reason to believe that the branch manager acted egregiously and is biased toward certain depositors. I still don't nowhere my deposit is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have been unable to use XXXX through my account with the Navy Federal Credit Union for several years, without any clear or valid explanation. When I asked XXXX XXXX about this issue, I was told that the problem was with XXXX ; however, I am able to use XXXX without issue through multiple other financial institutions, including XXXX XXXX, XXXX, XXXX, and XXXX Bank. Because XXXX works normally with all of these other accounts, it appears that the restriction is being applied by XXXX XXXX rather than XXXX itself. This prolonged block has prevented me from using a standard payment service tied to my checking account. I have never been provided with written notice or a clear reason explaining why this restriction was placed on my account. I am requesting that this restriction be investigated, that XXXX XXXX provide a clear written explanation for why my XXXX access has been blocked, and that my access be restored if there is no legitimate basis for the restriction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Failure to Conduct a Reasonable Reinvestigation 15 U.S.C. 1681i ( a ) This letter constitutes a formal demand for a lawful reinvestigation. A superficial or automated verification is insufficient. You are required to : Independently verify the accuracy of each disputed item Obtain and review actual documentation from furnishers Delete any item that can not be fully verified Please note that courts have consistently held that parroting furnisher data without independent verification does not satisfy the FCRA.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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 was shocked to discover an unauthorized fraudulent inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-29 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: CA

Complaint narrative:
On XX/XX/year>, $ {$780.00} was taken out of my account without my permission. XXXX transactions within XXXX minutes. I called at XXXX to report the unauthorized charges when I found out. I only realized when I tried to make a purchase. I almost never make a transaction if I know I dont have any money in my account. The dispute was started and they let me know it would take XXXX to resolve. Chime took less than XXXX hours to deny my claim. No further questions asked and no one let me know what the charges were for. I have no clue where and how the charges and for what they were made. I called the dispute department again and was offered absolutely no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. XXXX fraudulent accounts ( an auto/loan tradeline and a credit card tradeline ) were opened and/or reported under my credit file without my authorization. These inaccurate items have been reporting on my credit report and have caused ongoing harm ( credit denials/credit score damage, higher borrowing costs, and repeated time spent disputing and mailing documentation ). 

I have repeatedly tried to resolve this directly with the credit reporting agency. I have submitted XXXX ( XXXX ) prior written demands/disputes requesting that the identity-theft information be blocked and removed, not simply updated or marked verified. I have also provided a complete identity theft documentation package, including an FTC Identity Theft Report, a police report, and proof of identity and address. Despite these complete submissions, the fraudulent accounts have not been permanently blocked/removed and the matter remains unresolved. 

Key timeline/ actions taken ( summary ) : XXXX : I discovered identity-theft accounts appearing on my credit report and began disputing them. 
Multiple times ( XXXX total submissions ) : I submitted written disputes/demands requesting the accounts be blocked as identity theft and provided supporting documentation ( FTC XXXX Theft Report + police report + proof of identity/address ). 
Most recent submission : XX/XX/year> I sent a final written demand referencing the credit reporting agencys obligation to block identity-theft information under FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires blocking within 4 business days of receiving the required information. 
Current status : The fraudulent accounts continue to report and/or the agency has not provided adequate proof, a clear method of verification, or a lawful basis to refuse the required block. 

In addition, the XXXX XXXX XXXX has also continued to report inaccurate personal information ( incorrect addresses ) and has not corrected my file to ensure maximum possible accuracy, even after notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-29 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-29 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:
I am a victim of identity theft. XXXX fraudulent accounts ( an auto/loan tradeline and a credit card tradeline ) were opened and/or reported under my credit file without my authorization. These inaccurate items have been reporting on my credit report and have caused ongoing harm ( credit denials/credit score damage, higher borrowing costs, and repeated time spent disputing and mailing documentation ). 

I have repeatedly tried to resolve this directly with the credit reporting agency. I have submitted XXXX ( XXXX ) prior written demands/disputes requesting that the identity-theft information be blocked and removed, not simply updated or marked verified. I have also provided a complete identity theft documentation package, including an FTC Identity Theft Report, a police report, and proof of identity and address. Despite these complete submissions, the fraudulent accounts have not been permanently blocked/removed and the matter remains unresolved. 

Key timeline/ actions taken ( summary ) : XXXX : I discovered identity-theft accounts appearing on my credit report and began disputing them. 
Multiple times ( XXXX total submissions ) : I submitted written disputes/demands requesting the accounts be blocked as identity theft and provided supporting documentation ( FTC XXXX Theft Report + police report + proof of identity/address ). 
Most recent submission : XX/XX/year> I sent a final written demand referencing the credit reporting agencys obligation to block identity-theft information under FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires blocking within 4 business days of receiving the required information. 
Current status : The fraudulent accounts continue to report and/or the agency has not provided adequate proof, a clear method of verification, or a lawful basis to refuse the required block. 

In addition, the XXXX XXXX XXXX has also continued to report inaccurate personal information ( incorrect addresses ) and has not corrected my file to ensure maximum possible accuracy, even after notification.

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 2025-12-29 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: SC

Complaint narrative:
Equifax and Transunion are reporting a duplicate account with incorrect balances on both. These accounts are 100 % paid off with no late payments. I NEVER gave Equifax or Transunion or the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices.

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed as duplicates with incorrect balances on the accounts, and missed payments and that is incorrect. According to the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed or updated to PAID AS AGREED. 


I have also attached the inaccurate spelling of my name that both Equifax and Experian are reporting and would like that to be updated as well. I have attached proof of my identity and address!

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 2025-12-29 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:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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