vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have reached out to this company XX/XX/XXXXtimes to remove a dispute on an account.XX/XX/XXXX they said they removed the dispute only for it to still be showing on my credit report a week later. 

I called on the following dates ; XX/XX/XXXX- they gave me the confirmation number of XXXX XX/XX/XXXX- they gave me the confirmation number of XXXX XX/XX/XXXX- was on hold for over an hour just to be hung up on The dispute is still showing on my credit report. I want to remove the dispute and they are not doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-20 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: WA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XX/XX/XXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXXXX/XX/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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reported on my credit file. After reviewing my report, I identified information that appears to be outdated or inaccurate. I kindly ask that my credit report be corrected to ensure it accurately reflects my current financial 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 explanation
Consumer complaint received 2025-10-20 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year>2025, I sold my phone through XXXX. The buyer paid me with counterfeit cash, which I later confirmed was fake. Because they now had my phone and knew my passcode, they canceled my remote action to clear the phone, gained full access, and used my Cash App account to send themselves {$1900.00} without my authorization. 

I immediately contacted Cash App and filed a police report with the XXXX. I provided the report and screenshots showing that the payment was made by the thief ( XXXX XXXX ) from my account. 

Despite this evidence, Cash App repeatedly closed my case ( Case # XXXX ) and denied my claim without providing any explanation or investigation results. The only documentation they sent was a one-line summary of the stolen transaction. 

This is a clear case of an unauthorized electronic fund transfer, yet Cash App failed to comply with the Electronic Fund Transfer Act ( 15 U.S.C. XXXX ) and Regulation XXXX ( XXXXXX/XX/XXXXXXXX ), which require a reasonable investigation, a written explanation with supporting evidence, and provisional credit while the claim is reviewed. 

I am requesting that Cash App be required to reopen and properly investigate my case and refund the stolen {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-20 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Hard Inquires listed on credit file which were not authorized and/or allowed by myself

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. I would like to assert that no permissible purpose under 15 USC XXXX ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C XXXX ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C XXXX ( b ) ( XXXX ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless (XX/XX/XXXX ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( XX/XX/XXXX ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( XX/XX/XXXX ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C section XXXX A Section XXXX : States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C XXXX ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more thanXX/XX/XXXX years. 

15 U.S.C XXXX ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. CXX/XX/XXXXe XXXXi ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NY

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I receive repetitive calls all times of the day and every day of the week even at late at XXXX on a Sunday night. 

I've told them to remove my number and my husbands number from their call list and send all communication in writing. 

They have refused to do so and the calls have increased from multiple numbers. 

Latest Calls : XX/XX/XXXX XXXXXX/XX/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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Subject : XXXX XXXX Wells Fargo Bank , N.A . Failure to Pay Promised New Account Bonus Dear Sir or Madam, I am writing to file a formal complaint against Wells Fargo Bank , N.A . regarding their failure to credit a {$400.00} promotional bonus to my new consumer checking account, which was opened in reliance on their offer. 

Here is a summary of the events : Account Opening : On XX/XX/year>, I opened a new consumer checking account with Wells Fargo Bank to take advantage of a promotional offer that promised a {$400.00} bonus. 

Promotional Terms : The terms and conditions of the offer stated, in part : " Offer is not available to customers that received a bonus for opening a Wells Fargo consumer checking account within the past 12 months ... '' My Eligibility : I believe I fully qualify for this bonus. While I did receive a bonus for upgrading an existing Wells Fargo XXXX checking account to a XXXX checking account within the last 12 months, I did not receive a bonus for opening a new consumer checking account. The promotional language specifically disqualifies individuals who received a bonus for " opening '' a new account, a condition which does not apply to me. 

Issue : It has been nearly XXXX months since I opened the account and met all qualifying requirements. To date, Wells Fargo has failed to credit the promised {$400.00} bonus to my account. 

Attempt to Resolve : I have already attempted to resolve this issue directly with Wells Fargo. I opened an inquiry with their customer service department, and my reference number for that inquiry is XXXX. Despite my efforts, the issue remains unresolved, and I have not received the bonus.

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 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are XXXX accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XXXX XXXXXX/XX/year>, I sent my wife, XXXX, {$2000.00} through Cash App ( XXXX XXXXXXXX ) for her work trip, to XXXX. The note said for XXXX, referring to her trip, not a foreign transfer. On XXXX, after contacting support, my account was suddenly frozen. 
It has now been over a week with no update from Cash App, and my funds remain inaccessible. I have contacted both XXXX and XXXX with no response. This appears to be an automated compliance hold triggered by a keyword, despite this being a domestic transfer. 
XXXX requesting that Cash App immediately review and release my account and funds or provide a written legal justification for continuing to hold them. I have {$2000.00} pending and {$1200.00} on my cashapp balance, that I am unable to access

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-20 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-20 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXXXXXX 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 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank, with which I have credit cards, made the decision to close my credit card accounts, despite the fact that I have never defaulted on my card payments, nor have I committed fraud or had any motive for it to happen. 

XX/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 explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX offers a month to month no contact internet phone service their service failed to preform and was spotty brook up could not hear and or use the service as designed we stopped service and informed them to stop service now they decided to send a collection agency against us for terrible service THIS IS A NON CONTACT SERVICE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has failed to comply with its legal obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information upon a consumers request. I formally requested this information, including the name and contact information of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. However, the agency failed to respond within the 15-day period required by law. This failure to provide the requested details constitutes a violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
Please remove all inaccurate inquiries in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief