vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
The consumer reporting agency is willfully and negligently failing to comply with the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.C. 1681c-2 ], by continuing to report fraudulent accounts and identity theft-related information on my credit file. Despite being provided with an Identity Theft Report, proof of identity, and a formal request for removal, the agency has failed to take action within the required timeframe. This constitutes a violation of my consumer rights and has resulted in ongoing financial and reputational harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
The consumer reporting agency is willfully and negligently failing to comply with the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.C. 1681c-2 ], by continuing to report fraudulent accounts and identity theft-related information on my credit file. Despite being provided with an Identity Theft Report, proof of identity, and a formal request for removal, the agency has failed to take action within the required timeframe. This constitutes a violation of my consumer rights and has resulted in ongoing financial and reputational harm.

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 2025-07-11 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: CA

Complaint narrative:
The consumer reporting agency is willfully and negligently failing to comply with the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.C. 1681c-2 ], by continuing to report fraudulent accounts and identity theft-related information on my credit file. Despite being provided with an Identity Theft Report, proof of identity, and a formal request for removal, the agency has failed to take action within the required timeframe. This constitutes a violation of my consumer rights and has resulted in ongoing financial and reputational harm.

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 2025-07-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sulphur Bank Rancheria Enterprises
State: NC

Complaint narrative:
I signed a loan agreement with Right Now Loans in XX/XX/year>XXXX  for {$1300.00}, but soon discovered the lender is likely not licensed in New Mexico and is claiming tribal affiliation to avoid regulation. The loan carries an APR of over 700 %, far exceeding New Mexicos legal lending cap. According to the repayment schedule, I would be expected to pay over {$9600.00} in totalon a {$1300.00} loan. The lender uses vague electronic debit language, remotely created checks, and wage assignment clauses that I have formally revoked via email and mail. I have also requested full loan validation and proof of legal authorization, but have not received a response. In the documentation, Right Now Loans claims affiliation with the XXXX XXXX XXXX XXXX XXXX XXXX  but has not presented any valid state license or legal justification for issuing loans in my state. I am asking regulators to investigate the legitimacy of this lender and to protect consumers from further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
These accounts were opened without my permission. In accordance with USC 1681g, I am requesting immediate deletion within 15 days. I have included documentation that supports my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing this complaint regarding a fraudulent transaction made through Cash App XXXX  on my account, which Cash App refuses to resolve. On XX/XX/, my Cash App account was charged {$400.00} ( I was refunded XXXX with a remaining {$390.00} that was not refunded to me ) by XXXX through Cash App XXXX. I did not authorize this transaction. I immediately contacted both XXXX and Cash App to dispute this unauthorized charge. XXXX responded by stating that they can not reverse or refund the transaction and instructed me to resolve the dispute directly with Cash App. However, Cash App has denied my dispute, claiming that the payment was authorized by me or someone I authorized to use my account. This is not true I did not approve this payment, nor did I give anyone else permission to use my account. I contacted XXXX company to let them know my email and password on the account was changed without any verification being sent to my email. The address on file was also changed to a location in Florida. I provided both XXXX and Cash app with this information email and address. I notified both companies as soon as I receive notification that these transactions took place. I have also filed a complaint with the XXXX XXXX XXXX but Cash App continues to refuse to refund my money, leaving me with no recourse despite this being a clear case of an unauthorized transaction. Cash Apps refusal to resolve this matter raises serious concerns about their fraud protection policies and their obligations under federal financial regulations. I am requesting that the CFPB investigate this issue and require Cash App to refund this unauthorized charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-11 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6700.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In XX/XX/year>, the XXXX made a ruling that, after XX/XX/year>, it was illegal to submit Medical Debt to the credit bureaus. XXXX XXXX sent records to at least XXXX collection agencies- XXXX XXXX and XXXX XXXX XXXX. They, in turn sent the report to TransUnion, which lowered my credit rating. I needed a loan for dental implants and that score cost me a lot of money in higher interest rates. I have the papers scanned ready for attachment.

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 2025-07-11 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: VT

Complaint narrative:
XXXX XXXX Hotel and Travel XXXX XXXX/2025 XXXX XXXX XXXX XXXX XXXX/2025XX/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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I noticed in late XXXX that CapitalXXXX XXXX balance had not been updated. I was in the process of researching and securing another home loan to buy a duplex, so I needed all accounts to be updated prior to requesting a loan. It was still showing the last update in XX/XX/XXXX. I paid the card down and should had reflected a smaller balance. So I disputed the balance amount. On XX/XX/XXXXXXXX  I saw that the report showed that I had a potentially negative balance. When I did some more digging, instead of updating my account to reflect a decrease, XXXX  report stated that the dispute/investigation had been completed and reported that my Capital OneXXXX XXXX account is closed and had been late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It also stated that I owed a balance of {$100.00}, which was incorrect information. It also reflected that my account was opened in XX/XX/XXXX, which was not true, my account was opened in XXXX XXXX. I called first Capital One/XXXX XXXX , they stated this was not true, they reported that the account is opened and their were no deliquenies. I then called XXXX  to inquire as to why this incorrect information is reporting. XXXX  stated that Capital OneXXXX XXXX had given them this information. I called Capital OneXXXX XXXX back , they denied this. I then called XXXX  back and they stated asked them to correct this. I launched another dispute and prior to calling them back, uploaded all Capital OneXXXX XXXX statements XXXX XXXX - XX/XX/XXXXXXXX  showing I had never been late and that the account was still opened. THey stated gthe only thing I can do is wait for another investigation. I explained I can not wait for this to occur, I am an XXXX  and my job is tied to my credit. I also explained that I was in the process of applying for credit. In fact, that morning XXXX XXXXXX/XX/XXXX, I just applied for a XXXX XXXX XXXX XXXX credit card as well. I asked that they fixed this that I provided all documentation. I also requested a manager to call me back. I then called Capital OneXXXX XXXX asking them for the same. Capital One stated that they reported it correctly and I had to wait until the billing cycle to hit. I informed them that I can not wait that it was urgent that they correct this issue. The next morning today, my credit scored had dropped by XXXX points. THis problem still had not been corrected and this can affect my other creditor dropping my credit limit. This is not fair and need to be correct ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
I am writing to formally file a complaint concerning a recent data breach that has adversely affected my financial accounts and led to delayed payments. Due to this breach, unauthorized parties gained access to my personal information, which disrupted my ability to manage my accounts and hindered my ability to make timely payments. The data breach has not only compromised my personal and financial security but has also caused me significant inconvenience and stress. I am requesting immediate action to address these issues, as well as additional information on any measures being taken to secure my accounts and prevent further disruptions.

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 2025-07-11 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: CA

Complaint narrative:
I am writing to formally file a complaint concerning a recent data breach that has adversely affected my financial accounts and led to delayed payments. Due to this breach, unauthorized parties gained access to my personal information, which disrupted my ability to manage my accounts and hindered my ability to make timely payments. The data breach has not only compromised my personal and financial security but has also caused me significant inconvenience and stress. I am requesting immediate action to address these issues, as well as additional information on any measures being taken to secure my accounts and prevent further disruptions.

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 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I requested assignment contract, debt validation,1099, written consent, signature! 
OnXXXX XXXX.was not properly done, not after 3 days.

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 2025-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HUNTINGTON NATIONAL BANK, THE
State: NH

Complaint narrative:
My vehicle was involved in a crash on XX/XX/year> and declared a total loss. Huntington Bank is still accruing interest on the loan while refusing to allow the loan to be paid off by my insurance company. 

My insurance carrier XXXX has requested a Letter of Guarantee from Huntington Bank on XX/XX/XXXX. This letter is a promise from Huntington to XXXX that they will provide XXXX with the vehicle 's title after being issued payment for the remainder of the loan. We have called Huntington Bank 3 times ( Huntington Bank XXXX # XXXX ) to request the letter be sent to XXXX. 

It is now over XXXX weeks since requesting this document from Huntington Bank and my loan payment is now late as I was advised to hold off on making any more payments after the Letter of Guarantee was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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 CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX VIA XXXX XXXX XXXX CA XXXX INQUIRIES : IXXXX Date : XX/XX/year> XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
Given my history of on-time payments, I find this late payment highly inaccurate and ask that it be addressed immediately.

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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
This account is not mine and yet, without verifying anything, they put it in my XXXX  credit bureau and it lowered my score by XXXX points. I think that credit bureaus are not supposed to put any medical bills. I apologize if I'm wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: The Aligned Company DBA Extra
State: FL

Complaint narrative:
I attempted to access my account with Extra ( extra.app ) on XX/XX/year>2025, using their official login process. After entering my verified phone number multiple times, I was repeatedly told that a verification code had been sent via XXXX  but no code ever arrived. 

I waited over 10 minutes, tried refreshing, resubmitting, and confirming my device settings. The code never came. I attempted this process several times with no success.

I was completely locked out of my account, unable to verify, view, activate, or use the card. This means I couldnt check my balance, confirm account status, or even close the account which is a serious breach of financial access.

I reached out to their support email with no timely resolution. There is no live support, no functional verification method, and no alternate way to access the account. This is unacceptable for any financial product that claims to report to credit bureaus or hold customer funds.

This platform is unreliable, broken, and potentially dangerous. It should not be marketed to consumers especially those trying to rebuild their credit without offering basic account access and user protections.

I demand the CFPB investigate this company for deceptive marketing, system-level access failures, and lack of support infrastructure. If they are reporting credit activity while users are locked out, thats an additional violation that must be stopped.

Company response to consumer: Closed with explanation