vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I submitted a formal dispute regarding several inaccurate entries on my credit report under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ). I provided supporting documentation to demonstrate that the information was incorrect and did not belong on my credit file. Despite this, the credit bureau failed to conduct a reasonable and timely reinvestigation within the required 30-day period.

No meaningful changes or updates were made to my credit report, and no sufficient explanation or verification was provided. This is a direct violation of my right to a proper reinvestigation under the FCRA. 

The disputed and unresolved items include : Incorrect or unverified addresses : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$6800.00} These accounts either do not belong to me, were inaccurately reported, or lack proper verification. The continued reporting of these items is materially damaging to my credit score and 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 non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered accounts on my Experian credit report that I do not recognize or recall ever opening. I submitted multiple factual disputes requesting that Experian verify these accounts with proper documentation or remove them if they can not be verified. Despite my efforts, Experian has continued to report these accounts without providing any proof of their accuracy. This failure to conduct a reasonable investigation violates my rights under the Fair Credit Reporting Act and has caused ongoing harm to my credit profile.

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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
After I filed the dispute, the bank requested additional evidence. I complied and provided receipt numbers and supporting documentation. 

Despite this, the bank closed the case and informed me that I lost the dispute. No explanation was given as to why the receipts I submitted were not considered valid. I believe my evidence was not properly reviewed, and I feel the decision was unfair and incomplete. 

I am requesting that the CFPB investigate this matter to ensure that the dispute resolution process was handled correctly and that my submitted receipts and supporting documents are properly evaluated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Block, Inc.
State: AZ

Complaint narrative:
My cash app card was closed for no reason at all they won't fix the problem to where I can use my card they give me all this XXXX on I did fraudulent charges and it had to be closed I can't get my refunds because they won't reopen my card to where I can use it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Assistance LVNV Funding, LLC Account Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding the handling of an account in my name with LVNV Funding, LLC ( LVNV ). The details are as follows : LVNV Account Number : XXXX Reference Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX ( Opened XX/XX/year> ) A payment arrangement was previously established with a company by the name of XXXX XXXX, and I have fully satisfied the agreed-upon payment plan for this account. Despite this, I recently received a collection notice from XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, regarding the same account. 

It appears that this account has been sold and transferred multiple times to different companies, despite my completion of the settlement arrangement. This repeated transfer and continued collection activity is not only frustrating but also misleading. Since the debt was resolved, I should not continue to receive collection letters regarding this matter.

At this time, I am requesting that the CFPB investigate this issue and require LVNV Funding, LLC and its affiliates to : Cease all collection activities on this resolved account. 

Remove the account in its entirety from all of my credit report profiles with the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX ) immediately. 

I have upheld my end of the agreement, and I believe it is unjust and inaccurate for this account to remain on my credit reports or to be pursued further by other entities. 

Thank you for your time and assistance. I respectfully request your prompt intervention to correct this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CapitalOne XXXX terminated my account today after I made big purchase during XXXX XXXX sale - They advertised 30 % cash back on some websites- I have more than $ XXXX rewards not redeemed - I have another $ XXXX rewards pending They are forfeiting $ XXXX rewards just by terminating my account without any evidence of violation they Terms

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc.
State: PA

Complaint narrative:
When XX/XX/year>, I made a payoff loan payment to prosper in the amount of {$8300.00}. On Monday the XXXX of XXXX I checked the status of the payment and it showed failed. I had the funds available and called customer service. After explaining my issue with the failed payment, the companies representative told me that payment never went through due to issues with their system. I proceeded to make another payoff loan payment in the amount of {$8300.00}. On Wednesday the XXXXXXXX XXXX XXXXXXXX both payments processed through my bank account and put my bank account in the negative. Called prosper and asked what was going on, they apologized for the frustration and inconvenience this caused. The also told me that a refund will take place on the XX/XX/XXXX. In the meantime I working with my bank to put a stop payment for XXXX of the payments.

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 2025-09-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
When I first recieved my Macy 's Credit Card Bill, I logged in to my Macy 's account on my phone to make a payment on XX/XX/year>. Upon doing so, it asked me to link my bank account using Citi Plaid. I attempted to do so, but their systems failed numerous times to connect with my bank ( XXXX XXXX ). I have used Citi Plaid with XXXX XXXX with other credit cards recently and have not had any issue. I then tried to type my routing number and bank account number in manually and I got a system error. I tried again today ( XX/XX/XXXX ) as my bill is due the XXXXXXXX XXXX XXXXXXXX, and i ran into the same issues. I tried on both my cellphone and my laptop and their systems again ran into technical difficulties. I then connected with their XXXX online chat systems and they requested my bank account number. I told them I would not give it to them over chat and they acknowledged that is not how they operate and a secure form is sent instead. After I completed the secure form, the agent posted my bank account number to the chat. I asked to speak to a manage/supervisor and was ignored XXXX times before finally being connected.

The manager then finalized connecting my bank account to theiir systems, but when i refreshed my account, my bank account is not populating. 
This company seems to be slowing the process down of payments intentionally, and mishandling customer 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 monetary relief
Consumer complaint received 2025-09-11 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:
No paper proof was sent to dispute with document attached to proof the allegation on the credit file. As stated, I am a victim of fraud and I have proof of the only income which was XXXX for the last XXXX  years.

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 2025-09-11 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: NV

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX XXXX with late reported on XXXX XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-11 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 has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-11 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

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 2025-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: VA

Complaint narrative:
In XX/XX/year>, I closed on a mortgage with Cardinal Finance for a XXXX  in XXXX XXXX, XXXX. Several issues occurred during the closing process that I believe violated disclosure and documentation standards.

First, Cardinal Finance repeatedly listed the property address incorrectly by adding a unit number to the mailing and property address fields in loan documents. The recorded Deed clearly shows the property address without a unit number. The unit number appears only in the legal description as a condominium designation, not as part of the mailing or property address. Despite this, Cardinal Finance claimed that XXXX confirmed the address requires a unit number. I personally verified this with the XXXX ZIP Code Lookup, which shows the official deliverable address without any unit number. This demonstrates that Cardinal Finance misrepresented XXXX records and created a discrepancy that could cause future risks for taxes, insurance, XXXX billing, refinancing, or resale. 

Second, I was charged for an appraisal without clear and transparent disclosure of the fee. The cost was not adequately explained upfront and was inconsistent with TRID disclosure requirements. Only after I questioned the charge in writing did the company issue a refund.

Third, my assigned loan officer, XXXX XXXX, failed to respond to multiple calls and emails during critical stages of the process, effectively disappearing when her input was urgently needed. As a result, my closing was delayed by XXXX full business days. When she did respond, my concerns were dismissed rather than addressed. 

I request CFPB to investigate Cardinal Finances handling of mortgage disclosures, address accuracy, appraisal fee practices, and communication standards, and to require corrective action, accountability, and remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
Dear CFPB, I am writing to formally dispute the mishandling of my account by Cash App and demand the release of my portion of the settlement, which amounts to up to {$2500.00}. 

In XX/XX/year>, I was a victim of fraud involving several transactions totaling {$990.00}. I reported this fraud to Cash App, but they denied it and permanently XXXX my account, effectively making me ineligible for a settlement that was later proven in court. This is a clear case of unfair treatment and fraud on the part of Cash App. 

Additionally, I previously submitted a claim to the CFPB regarding this issue, and Cash App responded, but no resolution was reached. Instead, they XXXX my account and left me without the ability to claim my rightful portion of the settlement. 

I demand that Cash App refund my portion of the settlement, which could be up to {$2500.00}, and also demand the immediate reopening of my account. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation