vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint regarding Cash Apps handling of a dispute for a {$37.00} subscription charge from XXXX. I had two identical subscriptions charged on the same day : {$37.00} and {$39.00}. I filed two disputes, and I submitted the same evidence for both.

Cash App approved the {$39.00} dispute but denied the {$37.00} dispute, despite the fact that both transactions involved the same failed service and the same documentation. This inconsistency is unreasonable. 

The merchant failed to provide the services I paid for. Starting XX/XX/XXXX, the service stopped functioning : videos remained stuck as Scheduled, rendering froze at 20 %, animations failed, and my account became locked. My XXXX connection was removed without my action. Although I canceled on XX/XX/XXXX, I had paid for a full month, and the service was unusable for most of that period. 

Cash App allowed only 10 images for evidence, but I have more documentation available. They denied my appeal without proper review and stated the decision was final. 

Since Cash Apps investigation was incomplete and contradictory, I am requesting XXXXXXXX XXXX to properly investigate the unresolved {$37.00} transaction under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I bought a truck on XX/XX/2025 at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX for {$36000.00}. I put {$3000.00} down cash and had taken a loan out with USAA for the remaining balance. USAA had called me XXXX days later and told me they issued a check to XXXX XXXX in the amount of {$35000.00}. They asked me if I wanted to re-do the loan or obtain the refund of {$1600.00} from XXXX XXXX. I told them that I would just get the over payment from XXXX XXXX. I have spoken with XXXX XXXX and they keep giving me the run around that I only put down {$1300.00}. My purchase agreement is attached and shows the {$3000.00} down. I am still owed the {$1600.00} that they have yet to return.

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 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
My mother send me {$15.00} to the wrong card ( chime account ) and it sent it to my overdraft I called to see if there was anything the branch could do because it was her last XXXX dollars she is a XXXX XXXX  and is barely making it through the week the people that I spoke on the phone XXXX the supervisor on XX/XX/year> at XXXX had no so part his response was well we know things are rough out there but there's nothing we can do about this it was so unprofessional and heart wrenching to hear him say well we can't do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: GA

Complaint narrative:
I am filing this complaint because U.S. Bank failed to honor a cashback promotion that I properly enrolled in before making a qualifying purchase. Despite being fully eligible, the bank awarded only 1 % instead of the 5 % promotional cashback.

Timeline : I enrolled in the 5 % cash-back promotion before the transaction. The U.S. Bank mobile app showed that I was successfully enrolled. I also received an enrollment confirmation email. I then made the qualifying purchase within the valid promotional period. However, U.S. Bank only issued 1 % instead of the promotional 5 %. 

I contacted customer service multiple times, including an investigation under conference # XXXX, but U.S. Bank refused to correct the cashback despite clear evidence. U.S. Bank advertised a promotional cashback offer, confirmed my enrollment, and then failed to honor it. This is misleading and deceptive under consumer financial rules because : The bank confirmed enrollment before the purchase. The offer terms did not state any exclusion that applies to my transaction. The bank benefited from the transaction but refused to apply the promised cashback. Multiple representatives provided inconsistent explanations. 

I am simply asking U.S. Bank to honor the promotion I was properly enrolled in and issue the correct 5 % cashback.

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 monetary relief
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I Requested my items on my credit reported to be verified/ deleted, these items come back as Verified as Reported '', the reporting company has certified it is reporting accurately in less than 2 weeks that means the credit reporting agency Equifax/ & Experian are not practicing fair practicing and using an automation to review my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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 Requested my items on my credit reported to be verified/ deleted, these items come back as Verified as Reported '', the reporting company has certified it is reporting accurately in less than 2 weeks that means the credit reporting agency Equifax/ & Experian are not practicing fair practicing and using an automation to review my credit report

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 2025-11-18 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: CA

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 
The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 
I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: OH

Complaint narrative:
My Revolut account has been restricted for more than three months without any clear explanation or timeline. I have repeatedly asked Revolut to explain why my funds are being held and what is required to resolve the issue, but I have received no specific information. Instead, I receive contradictory responses : customer support tells me that my account review is still ongoing, but I also received a formal email stating that a final decision was made on my case. Despite this so-called final decision, my funds remain blocked and I have no access to them. Revolut has not explained the reason for the restriction, has not given me a timeline, and has not requested any documents during this entire period. This lack of transparency and prolonged withholding of my money raises serious concerns under U.S. financial regulations and CFPB consumer protection rules. I am requesting that Revolut be required to provide a clear reason for the restriction, disclose the actual status of my account review, and release my funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: NM

Complaint narrative:
Assets frozen. The XXXX  thing that went wrong with XXXX was my XXXX  on the XXXX XXXX At XXXX  I sent money and it said it would take XXXX  days. Then there is a button that says cancel XXXX  payment button on the XXXX XXXX I pressed it, and it said it was canceled. I walked into the XXXX  brokerage building to deposit a check into my checking account. And the XXXX  thing the representative said was oh your using this check to pay your XXXX  balance? And I told him, that I had canceled that XXXX  payment on the app. Then the next day I sent money through XXXX and it sent immediately this time. Then I was going to send money that night through XXXX  and my XXXX  account was locked. XXXX said they would send XXXX an email. Then I deposited money into my checking through XXXX  the day after the XXXX  incident. Then I tried to login to my XXXX  XXXX and all it said was i could not log in and to call a number. I called the number and the lady said my account is frozen. That the check I deposited was fake. And that the only way to unfreeze my account was to fax all my income sources. I did not receive any notification that my XXXX  account was frozen, leading me to believe that XXXX thinks I'm the one committing fraud. Then I explained that I had deposited money and it said it would take a few days to process. Then the lady said since your account is XXXX XXXX will not accept the money. Today, XXXX DID accept the money. I have no money because my account is frozen. And every time I call them they say they are working on it. 
Dates unknown since I do not have access to my account. But my checking account was opened around XX/XX/year>. And is still currently locked today XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-18 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: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
On XX/XX/year> ALLY FINANCIAL pulled my credit report without my knowledge or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MI

Complaint narrative:
Remove all fraudulent accounts immediately. I am trying to buy a house and took a look at my credit report and found accounts that I did not authorize. Under the fair credit reporting act, I have the right to dispute unauthorized information and furnishers are required to conduct a reasonable investigation.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The information reported on my file by the involved company is inaccurate, incomplete, or entirely unverified. This includes errors regarding the status of the account, the reported balance or amount owed, and/or specific dates of activity or delinquency. I have no record or knowledge of the transaction or account as reported, or the entry conflicts directly with my payment history and supporting documentation, which indicates the account was either paid in full, settled, or never legitimately owed. I request a thorough investigation and removal of this entry or correction to reflect the accurate status, balance, and history of the debt or transaction in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: MA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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