vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
Google was supposed to cancel my XXXX XXXX Account in XX/XX/year>. Instead, it appears they transferred that subscription to a different, inactive account. I have been charged for this recurring payment for 9 months. In that 9 months, Google did not send a confirmation of payment ( which they do for all other services ), an invoice, a marketing email, or a renewal notice to that account. They also did not attempt to 2-factor authenticate the user at anytime even though that option is turned on.Again, their other services that I pay for ALL send monthly payment notices. The fact that they chose not to for this service was a manual and deceptive decision. I called Google for a resolution of this nearly {$1000.00} fraud, and they only offered me 4 months refund. I am demanding it all be refunded due to a : it being a fraudulent charge and b : because of the deceptive ways they hid the charges.

I asked and they have confirmed that no activity was logged on the email or the subscription service in the full 9 months of charges. This was an account I DONT use.

They were supposed to cancel my subscription. They moved it to an inactive account and turned off notifications instead. GROSS behavior for such a large company.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing the personal information section of my credit report, I noticed that there were several outdated and or incorrect personal information being reported. Please see to it that the following personal information is removed from my credit report due to being outdated or incorrect. I have listed the information below : Remove the following address : XXXX XXXX XXXX XXXX TX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX Remove the incorrect spelling of my Employer 's Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Correct Spelling of my Employer 's Name 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 explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: CA

Complaint narrative:
- XX/XX/year> : Opened a Netspend checking account during a bonus offer of {$200.00} in 5 days after meeting a direct deposit requirement of $ XXXX and activating a debit card within 60 days. 
- XX/XX/year> : Activated Netspend debit card. 
- XX/XX/year> : Received qualifying direct deposit over {$400.00}. 
- XX/XX/year> : Filing CFPB complaint after no bonus received.

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 2025-07-29 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-07-29 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NV

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: GA

Complaint narrative:
I signed up for a new checking account through their official promotion. I've fulfilled all the requirements : XXXX XXXX XXXX XXXX XXXX XXXX  and receive Direct Deposits totaling {$400.00} or more within 60 days of acquiring the account And it passed almost 3 weeks after fulfilling all the requirements, but I haven't received a {$200.00} bonus yet. 

I contacted the customer support, but they just replied the wrong information and made me wait again and again. I don't think they will resolve this issue.

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 2025-07-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: KY

Complaint narrative:
In XXXX, unauthorized transactions were made on my Cash App account without my knowledge or consent. I later received an IRS notice about a large tax liability connected to activity on my account that I did not authorize or recognize. Despite multiple attempts to contact Cash App support through their official channels, I have not received assistance or resolution. I am requesting an investigation into these fraudulent transactions, verification of any income reported to tax authorities under my name, and immediate action to secure my account and prevent further unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: MI

Complaint narrative:
I have met requirements to earn 4 % interest, but I am only earning 1.5 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
To the Consumer Financial Protection Bureau : I am submitting this complaint due to the continued reporting of unauthorized hard inquiries and inaccurate personal information on my credit report, despite having submitted a formal identity theft dispute over XXXX  days ago with all supporting documentation, including my FTC Identity Theft Report ( FTC Report Number : XXXX ). 

In accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to block identity theft-related information within XXXX business days upon receipt of a valid identity theft report. To date, no action has been taken, and I have received no proper response, which is a direct violation of federal law.

The issues include : 1 ) Unauthorized hard inquiries on my credit report which I did not authorize nor initiate. 2 ) Failure to block or remove these inquiries after submittin
g a valid identity theft report.

3 ) Inconsistent and inaccurate personal information, including incorrect or outdated addresses, name variations, and employment data.

4 ) Lack of any real investigation or human response, despite complying with legal requirements under the FCRA.

DEMANDS : -Immediate and permanent deletion of all unauthorized hard inquiries from my credit report across all three bureaus.

-Immediate correction of my personal identifying information so that it reflects only accurate and verified data ( name, address, employer ).

-A written confirmation that these changes have been made and that the disputed items will not be reinserted without full compliance under FCRA 1681i ( a ) ( 5 ).

-A resolution handled by a real agent, not an automated system or generic denial. 

FTC Identity Theft Report ( Report Number : XXXX ) List of disputed hard inquiries Failure to act will result in legal escalation under 15 U.S.C. 1681n and 1681o, seeking damages for noncompliance. 

HARD INQUIRIES : XXXX ) XXXXXXXX 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 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 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 Sincerely, 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 2025-07-29 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have a duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.

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 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall 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 explanation
Consumer complaint received 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-07-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCF Intermediate Holdings LLC
State: AK

Complaint narrative:
Someone is impersonating Speedy Cash and threatening to take me to court over a loan I dont have. They said I had to respond within XXXX hours, and they took XXXX dollars from my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( 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 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding Wells Fargos handling of a fraud claim I submitted following the theft of my mobile phone on XX/XX/year>. 

On that date, my phone was stolen and subsequently used to gain unauthorized access to my Wells Fargo account. The individual responsible made multiple attempts to withdraw over {$40000.00} via XXXX, ultimately succeeding in withdrawing {$2200.00} through XXXX separate unauthorized transactions ( {$2000.00} and {$210.00} ) the full balance of my account at the time. 

Despite submitting a police report ( Ref : XXXX ) and documentation of these fraudulent activities to Wells Fargo over a month ago, my claim was denied. I find this unacceptable and deeply concerning given the clear signs of fraud, including : Numerous high-value failed withdrawal attempts througXXXX XXXX  Successful unauthorized withdrawals totaling {$2200.00XXXX XXXX subsequently locking my account due to suspicious activity A verified police report confirming the theft and timeline of events I am a customer of several financial institutions, including XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. All of these institutions have demonstrated significantly stronger fraud prevention measures and customer support. Wells Fargos refusal to acknowledge the claim, even with a formal police report and supporting evidence, raises serious concerns regarding the banks security protocols and fraud resolution processes. 

I have also attached the receipt of my new phone dated as well. Thank you

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