vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.

Complaint narrative:
I have a outstanding balance on cashapp however the app is not available here in the XXXX and I can not withdraw my funds when I tried to before the app was removed, I would like my money and have even been sent messages by cash app however, I am unable to contact them as the app is no longer available

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NY

Complaint narrative:
Complaint : I am a small business owner using XXXX as my primary point-of-sale system for multiple businesses. XXXX has suddenly terminated all of my accounts with no reason or warning beforehand. I have not received any written notice explaining the termination. Just an email telling me my accounts are all terminated, and they have refused to communicate further or provide any appeal process. 

I rely on XXXX to run my day-to-day business operations, and this unexpected closure has negatively affected my income and customer service. I have attempted to reach XXXX for support but was denied access to a live agent and was told there are no additional options for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: TX

Complaint narrative:
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 XXXXWORLD ACCEPT: Failure to adhere to the widely accepted industry standards is completely unacceptable. It appears that you are not following the rules, which damages the credibility of credit reporting. There is an urgent matter at hand. Kindly eliminate these errors as soon as possible to rebuild trust in your reporting procedures.\nAccount#: 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 I respectfully ask for clarification on how you maintain compliance, considering the repercussions of reporting errors and the stringent requirements, including those set forth by the FCRA. The system's integrity depends on your compliance with these guidelines. It is necessary to eliminate every entry from my report if any discrepancies are discovered.\n\nAccountXXXX 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  guidelines are necessary requirements that ensure reporting. Finding out that there have been departures from these standards during your oversight is alarming. Please resolve this matter and remove any errors from my report as soon as possible."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
b"Account#: XXXX XXXXAccount type: XXXX XXXXInstallment\tAccount Status: XXXX XXXXDerogatory\nCredit Limit: XXXX XXXXDate Opened: XXXX XXXXPayment Status: XXXX XXXXCollection/Charge-off\nMonthly Payment: XXXX XXXXBalance: XXXX XXXXNo. of Months \n(terms): XXXX XXXXPast Due: XXXX XXXXHigh Credit: XXXX XXXXDate of last \nPayment: XXXX XXXXLast Reported: XXXX XXXXDate Last Active: XXXX XXXX XXXX XXXXTwo-Year Payment history: XX/XX/XXXX:(0) XXXX:(0) XXXX:(0) XXXX:(0)\nComments: XXXX XXXXCharged off account Account transferred or sold.XXXX XXXX: Failure to adhere to the widely accepted industry standards is completely unacceptable. It appears that you are not following the rules, which damages the credibility of credit reporting. There is an urgent matter at hand. Kindly eliminate these errors as soon as possible to rebuild trust in your reporting procedures.\nAccount#: XXXX XXXXAccount type: XXXX XXXXOpen Account\tAccount Status: XXXX XXXXDerogatory\nCredit Limit: XXXX XXXX$0.XXXXDate Opened: XXXX XXXXPayment Status: XXXX XXXXLate XXXX  Days\nMonthly Payment: XXXX XXXXBalance: XXXX XXXXNo. of Months \n(terms): XXXX XXXXPast Due: XXXX XXXXHigh Credit: XXXX XXXXDate of last \nPayment: XXXX XXXXLast Reported: XXXX XXXXDate Last Active: XXXX XXXX XXXX XXXXTwo-Year Payment history: XXXX XXXX:(0) XXXX:(0) XXXX:(0) XXXX:(0)\nComments: XXXX XXXXCollection accountXXXXSPRINGOAKS: I respectfully ask for clarification on how you maintain compliance, considering the repercussions of reporting errors and the stringent requirements, including those set forth by the FCRA. The system's integrity depends on your compliance with these guidelines. It is necessary to eliminate every entry from my report if any discrepancies are discovered.\n\nAccount#: XXXX XXXXAccount type: XXXX XXXXOpen Account\tAccount Status: XXXX XXXXCredit Limit: XXXX XXXXDate Opened: XXXX XXXXPayment Status: XXXX XXXXLate XXXX  Days\nMonthly Payment: XXXX XXXXBalance: XXXX XXXXNo. of Months \n(terms): XXXX XXXXPast Due: XXXX XXXXHigh Credit: XXXX XXXXDate of last \nPayment: XXXX XXXXLast Reported: XXXX XXXXDate Last Active: XXXX XXXX XXXX XXXXTwo-Year Payment history: XXXX XXXX:(0) XXXX:(0) XXXX:(0) XXXX:(0)\nComments: XXXX XXXXCollection accountXXXX XXXX In addition to being recommendations, the XXXX XXXX XXXX XXXX guidelines are necessary requirements that ensure reporting. Finding out that there have been departures from these standards during your oversight is alarming. Please resolve this matter and remove any errors from my report as soon as possible."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 - {$1100.00}

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 2025-07-03 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: LA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE 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 non-monetary relief
Consumer complaint received 2025-07-03 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: LA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: NC

Complaint narrative:
I am filing a follow-up to Complaint ID XXXX, which was closed before I had a chance to fully respond to the companys explanation. I received their response, but I still have serious concerns that were not addressed. Below is additional information and clarification that I believe warrants further investigation. 
Beyond Finance claimed they clearly explained the fees and collected them only after a resolution was made. But this does not reflect my experience. 
I signed the agreement under financial distress, based on verbal promises that this program would act like a savings account, where I could build up reserves and pay off debts faster. They told me to stop paying my creditors and said my monthly payment of {$600.00} would be enough to settle everything. But what I now realize is that nearly {$4000.00} in settlement fees were deducted from my payments, some as high as {$1200.00}, before many of my creditors even received a single payment. I only had XXXX accounts settled, XXXX completed, XXXX in progress. Meanwhile, a large number of enrolled creditors were never contacted or paid at all. Despite this, the company charged huge fees early on, leaving little money to build reserves or settle other debts. Their response quoted section XXXX of the agreement, saying fees were earned once a debt was resolved. But my documents show they deducted fees for months before those accounts were even negotiated, let alone settled. In XX/XX/year>, I was charged settlement fees even though no creditor had been paid yet. 
I am requesting : A full itemized breakdown of how each payment I made was applied An explanation of which fee matched which settlement, and why it was taken at that time A partial refund of any fees collected before the actual settlement or payment of debts An investigation into the misleading marketing practices, including claims that this account would act like a reserve and allow flexibility I believe the contract language does not excuse deceptive or predatory behavior, especially targeting people in financial crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
CFPB Complaint Failure to Provide Consumer Disclosure by Multiple Secondary Consumer Reporting Agencies On XX/XX/year>, I, XXXX XXXX XXXX, submitted formal written requests to the following consumer reporting agencies : XXXX, XXXX, and XXXX. These requests included all required documentation to verify my identity including a copy of my Social Security Card, Proof of Residence, and Drivers License. Despite these legally sufficient submissions, many of these agencies either failed to respond entirely or falsely claimed I did not provide adequate identification. This is factually inaccurate and a direct violation of FCRA 1681g ( a ), which mandates that consumer reporting agencies must provide a complete copy of a consumers file upon request and proper verification. This pattern of obstruction prevents me from exercising my federally protected rights to access, verify, and dispute any data being collected or disseminated by these entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: CA

Complaint narrative:
CFPB Complaint Failure to Provide Consumer Disclosure by Multiple Secondary Consumer Reporting Agencies On XX/XX/year>, I, XXXX XXXX XXXX, submitted formal written requests to the following consumer reporting agencies : LexisNexis, XXXX, and XXXX. These requests included all required documentation to verify my identity including a copy of my Social Security Card, Proof of Residence, and Drivers License. Despite these legally sufficient submissions, many of these agencies either failed to respond entirely or falsely claimed I did not provide adequate identification. This is factually inaccurate and a direct violation of FCRA 1681g ( a ), which mandates that consumer reporting agencies must provide a complete copy of a consumers file upon request and proper verification. This pattern of obstruction prevents me from exercising my federally protected rights to access, verify, and dispute any data being collected or disseminated by these entities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells fargo XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all the banks i have tried too open and i cant because it says i owe a balance or when i try to verify my identity it still does not let me. The system is saying i cant open bank accounts but i have never even had them before im popping up in early warning systems when i have not had a bank account since 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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: MI

Complaint narrative:
This loan has been paid off in full 100 % shows. I was late three payments and still owe 94 % of the balance. The loan is paid off in full Take off my credit report. 
I sent documents showing inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
On XX/XX/XXXX I logged into my PayPal account to transfer my XXXX into my bank account. When logging on I found out that on XX/XX/XXXX someone hacked into my account and added a XXXX  card and stole the money from my pay pal. They changed my security questions and added their card ad a primary. I was finally able to gain access. I filed a claim with PayPal and the denied it after telling me it was unusual activity and the ip address wasn't my normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-03 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
I am a 100 % XXXX XXXXXXXX XXXX XXXX, decorated for honorable wartime service. I live with permanent injuries and am unable to work. I rely on accurate credit reporting and legal protections under the FCRA to maintain financial stability. 

Equifax has not only failed to comply they have retaliated against me. 

After filing a dispute and a previous CFPB complaint regarding inaccurate reporting, Equifax charged my card XXXX times in a row for the same {$9.00} service, then sent an email saying, payment failed. 

I contacted them by phone and was told the issue would be resolved in XXXX hours. It has now been over XXXX hours, and not only was the billing issue ignored I am now completely locked out of my Equifax account. 

This appears to be a retaliatory response to my prior dispute and complaint. Their portal had always worked before I formally challenged them. I now suspect Im being discriminated against either by ethnicity, zip code, or veteran status. 

I requested an explanation, a breakdown of charges, and a resolution to my ongoing dispute. None were provided. Ive attached screenshots proving : XXXX charges from Equifax on my bank account Their email falsely stating payment failed Their portal denying me access I am also a public XXXX creator, and this situation will be publicly documented within XXXX hours if my account is not restored, my charges reversed, and my dispute addressed. 

XXXX XXXX XXXX XXXX XXXX and I am now preparing to escalate this into civil action for retaliation, discrimination, fraudulent billing, and failure to comply with federal law. 

Is this how Equifax treats a decorated, XXXX veteran and XXXX citizen? 
I expect full resolution now not silence, not retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I activated the Chase Sapphire Preferred XXXX benefit in early XXXX, which entitles eligible cardholders to free XXXX membership when activated through XXXX and paid with the Chase card. I followed all steps exactly as outlined : I clicked the Activate button on the Chase offer page, added my Chase Sapphire card as the default payment method in XXXX, and assumed the benefit had applied. 

However, I was still charged the standard XXXX subscription fee through my Chase card, despite being eligible for complimentary service. XXXX support later told me the benefit did not apply because I already had an active XXXX subscription, and that I would have needed to cancel it first. That requirement was not disclosed during the activation process, and I received no warning or confirmation that my activation attempt had failed. 

In effect, the offer appeared to activate but silently failed, and I was charged for a service that should have been free under the terms of the promotion. 

I contacted XXXX support, who acknowledged that I am eligible and suggested I re-enroll when my current subscription ends. They canceled my XXXX, but refused to reimburse the charges Ive paid since activating with Chase despite their own documentation stating I am entitled to at least XXXX months of complimentary XXXX access. 

I am not seeking the additional XXXX XXXX XXXX  credits that are part of the offer only a refund of the XXXX charges billed to my Chase card after I followed the activation steps in good faith. 

The Chase and XXXX partnership marketing did not make this requirement clear, and the user experience failed to enforce it, leading to unexpected charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
FRAUDLANT ACCOUNT. PLEASE REMOVE OFF MY CREDIT REPORT. NOT MY ACCOUNT.

Company response to consumer: Closed with explanation