vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which v

iolates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me. The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law.

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/year> I was made aware that I was eligible for a boost with Cashapp that guaranteed me {$5.00} off my next purchase using my Cashapp debit card. It's expiration date was marked as XX/XX/year> at XXXX and thats attached in a screenshot of an email regarding the boost. I made a purchase on the evening of XX/XX/year> for about {$11.00} and as of now, I still dont have the {$5.00} discount. I contacted cashapp and they claim the offer expired on XX/XX/year> just after midnight, but that date and time was never mentioned prior to me contacting them, and its not consistent with any information they previously gave me regarding the boost. I'm not that worried about {$5.00}, at the end of the day thats XXXX minutes of work, but I'm extremely worried about the long term effects of allowing a billion-dollar financial institution lie to and breach contract with its users.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. 
Late XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX : $ - Legal Basis : 1. 15 U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law. 
2. 15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data.

3. 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information.

4. 15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified. 
Legal Precedent : In XXXX XXXX Trans Union, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors 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 2025-12-03 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: MI

Complaint narrative:
I am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. 
Late XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX : $ - Legal Basis : 1. 15 U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law. 
2. 15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data.

3. 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information.

4. 15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified. 
Legal Precedent : In XXXX XXXX Trans Union, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: GA

Complaint narrative:
I am filing a complaint against Republic Finance , LLC for aggressive lending practices, refusal to provide hardship options, and unprofessional account handling. Despite contacting the company multiple times to request refinancing, deferment, or relief due to financial hardship, I was met with continued collection pressure and no meaningful assistance. 
The local branch representatives were often dismissive, unprofessional, and at times aggressive, making it extremely difficult to receive accurate or transparent information. Their communication consistently lacked courtesy and support, which is concerning given the seriousness of the financial circumstances being discussed. 
Since XXXX, I have made consistent payments toward this loan, yet the balance has shown little to no meaningful reduction due to the compounding interest structure. Despite years of good-faith payments, my account reflects minimal progress, which has been both discouraging and financially burdensome. During this period, I also received excessive collection calls even while payments were being made but no solutions, hardship accommodations, or refinance pathways were ever offered. This reflects a pattern of pressure rather than support and demonstrates a lack of reasonable options to help borrowers remain in good standing. 

The loans design driven by continuously compounding interest has created a cycle of financial oppression with no realistic path to becoming current. This approach does not acknowledge the economic realities facing many consumers, including inflation, reduced work hours, and widespread financial strain. Instead of offering hardship programs, skip-payments, or temporary relief, the company appears more inclined to threaten legal action, worsening financial instability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
On XX/XX/year> I tried to use the money in my SoFi account to buy XXXX, but my account was suddenly restricted. I called their support, and they told me it would be fixed, but nothing changed. I called again, only to be told that my account had been closed and there was nothing they could do. When I asked about the money in my account, they said there was nothing available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
I was reviewing my credit report and noticed unauthorized inquiries on my credit report that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: PR

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: MO

Complaint narrative:
I am submitting this complaint regarding inaccuracies and inconsistencies on my credit reports with Experian, Equifax, and TransUnion that have caused confusion and potential harm to my creditworthiness. On Experian, my XXXX  XXXX account ending XXXX shows numerous late payments from XX/XX/XXXX through XX/XX/XXXX, including 30-, 60-, 90-, and 120-day delinquencies, which do not align with my actual payment history, and my XXXX XXXXXXXX accounts XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX appear to have been reopened and charged off after previously being removed, with late payments reversed, creating an inaccurate portrayal of my account history ; additionally, multiple XXXX accounts ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX report late payments on Experian that do not match other bureaus, and some late payments are only reported to Experian. On Equifax, the same XXXX XXXX XXXX account shows late payments from XX/XX/XXXX through XX/XX/XXXX with a similar pattern of repeated 30- through 120-day lates, and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX accounts show unexpected charge-offs after previously being corrected, creating misleading reporting about account reopening and status. On TransUnion, the XXXX account XXXX XXXX XXXX XXXX XXXX reports late payments in XX/XX/XXXX and XX/XX/XXXX that are not reported on other bureaus, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows repeated late payments through XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX similarly show charge-offs after prior resolution, with late payments reversed, all of which misrepresent my payment history and account standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MO

Complaint narrative:
I am submitting this complaint regarding inaccuracies and inconsistencies on my credit reports with Experian, Equifax, and TransUnion that have caused confusion and potential harm to my creditworthiness. On Experian, my XXXX  XXXX account ending XXXX shows numerous late payments from XX/XX/XXXX through XX/XX/XXXX, including 30-, 60-, 90-, and 120-day delinquencies, which do not align with my actual payment history, and my XXXX XXXXXXXX accounts XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX appear to have been reopened and charged off after previously being removed, with late payments reversed, creating an inaccurate portrayal of my account history ; additionally, multiple XXXX accounts ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX report late payments on Experian that do not match other bureaus, and some late payments are only reported to Experian. On Equifax, the same XXXX XXXX XXXX account shows late payments from XX/XX/XXXX through XX/XX/XXXX with a similar pattern of repeated 30- through 120-day lates, and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX accounts show unexpected charge-offs after previously being corrected, creating misleading reporting about account reopening and status. On TransUnion, the XXXX account XXXX XXXX XXXX XXXX XXXX reports late payments in XX/XX/XXXX and XX/XX/XXXX that are not reported on other bureaus, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows repeated late payments through XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX similarly show charge-offs after prior resolution, with late payments reversed, all of which misrepresent my payment history and account 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
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union regarding an {$8500.00} loss through XXXX separate transactions from my account on XX/XX/year> due to a fraud-induced XXXX XXXX scam. 

Although the transaction appears authorized, it was not a valid authorization. I was deceived by a team of scammers who used misrepresentation to induce me to approve the XXXX XXXX request. I did not knowingly or willingly authorize a payment to a fraudster, as they were impersonating a Navy Federal fraud team, go so far as to spoof the Caller ID to appear as a legitimate Navy Federal telephone line. 

Navy Federal denied my dispute under XXXX XXXX, stating that the transaction was authorized, but failed to consider that authorization obtained through deception is NOT valid consent. The scammer manipulated me into believing the payment was legitimate. This was a clear case of fraudulent inducement, also known as an Authorized Push Payment ( APP ) scam, which financial regulators increasingly recognize as fraud requiring consumer reimbursement. Additionally, Navy Federal failed to provide reasonable fraud protection. They allowed an unusual, high-risk, high-dollar XXXX XXXX transfer inconsistent with my account history to process without any fraud alert, any verification, any security hold, or any intervention whatsoever. XXXX XXXX is known as a high-risk payment platform for scams, yet Navy Federal provided XXXX safeguards. 

Due to my Navy Federal being linked to both mXXXX XXXX XXXX XXXX XXXX XXXX XXXXecking accounts, they also targeted those as well, attempting to place transactions totaling to {$6400.00} on my XXXX credit card and initiating an {$8000.00} balance transfer to Navy Federal from my XXXX XXXX XXXX card, presumably to withdraw that as well when the funds settled. Fortunately, the balance transfer was sent by check to my mailing address of XXXX XXXX and I was able to get it reversed and report thXXXX XXXX XXXX XXXXarges as fraud, but the XXXX transactions still stand, leaving Navy Federal as the sole financial institution complacent in fraud.

I respectfully request the CFPBs assistance in having Navy Federal properly investigate and reimburse the fraudulent, misrepresented transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On XX/XX/year>, I was charged {$750.00} for email mailboxes that I purchased for a university project. The service was a scam - I could only access a fake dashboard, and the mailboxes could not send or receive any emails. After attempting to resolve this with the merchant and being denied a refund, the company charged me another {$750.00} on XX/XX/year> without authorization. 
On XX/XX/year>, I called my bank to dispute both fraudulent charges. The representative explicitly told me he was filing XXXX separate claims- XXXX for each transaction. I received an email confirmation that my claim was filed, but this only referenced XXXX claim number. 
On XX/XX/year>, the bank refunded the second transaction from XX/XX/year>. However, I never received any refund, communication, or documentation regarding the first transaction from XX/XX/year>. When I checked my online banking portal, only XXXX claim appeared in my claims history - the claim does not show the XX/XX/year> transaction at all. 
On XX/XX/year>, I called the bank for clarification. The first representative stated that only XXXX claim was ever filed for the XX/XX/year> transaction, and that it was now too late to file a dispute for the XX/XX/year> charge. When I asked to speak with a XXXX, the XXXX contradicted this and claimed the first claim had been filed, but could not provide any evidence, reference number, or documentation to support this statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
b'I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediatXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: PA

Complaint narrative:
I received a letter that I owed Debt from a hospital which is weird because I have XXXX or XXXX XXXX of those XXXX I did explain to them that I lost my wallet, but I didnt make a report or nothing because all I had and it was my license. I just ended up getting a new XXXX. Didnt think nothing of I did speak to them I told them I was unaware of this Debt and I wasnt sure if it was mine. They said they were going to. Send documents. to validate that the debt was mine they never did that. They just automatically. Just put it on my credit report. they didnt have anything on file but a piece of paper stating that I owed a debt. In the process of losing my wallet as well just with my license in it I act the file bankruptcy not too long ago so theres a lot of things popping up on my credit report and theres a lot of things that shouldnt be there, but Im working on it, but for them just to throw it on my credit without even verifying anything.

Company response to consumer: Closed with non-monetary relief