vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IL

Complaint narrative:
My money is MISSING.

CashApp support did not provide any real time support for a HUGE issue. 
A withdrawal for {$5000.00} was initiated on Monday, XX/XX/year>. 
CASH APP charges a {$75.00} transfer fee that I could NOT pay for my money to be sent to my bank account immediately so l chose the standard transfer. 
The standard transfer was supposed to reflect in my account ending in XXXX on Wednesday XX/XX/year>. 
The money was NOT in my account. 
After calling my bank, it looks like CASHAPP labeled the account type as a CHECKING & not a SAVINGS account. 
Therefore, my bank had to return the payment to CASH APP. 
After reaching out to CashApp about where my money is they proceeded to send me automated responses from a Robot they have working on chat support.

When, I asked to speak to an advisor, the advisor told me the pay was SUCCESSFULLY sent ( without issues ) at XXXX. 
As we now know, this was NOT SUCCESSFULLY sent. 
I received the SAME response repeatedly from chat support, that I would need to wait another 1-3 business for my MISSING funds to reflect.

When calling into the support line, they gave me misinformation several times & repeatedly told me I could NOT be transferred to a supervisor & can only give me with a ticket number and a supervisor would email me. 
THEN, the representative told me that CashApp settled the {$5000.00} & it should show up in my CASH APP account by XXXX XXXX on XX/XX/year>, after asking her to send me written proof of this, she refused & said that she had NO WAY to PROVE that my settlement was on it's way. 
After, expressing my concern of not having proof of this, she then told me the {$5000.00} would show up in my bank account... 
Then I asked her to clarify if I'd see it in my CashApp or in my bank account since the bank returned the payment, she then said it was going on a CARD, of which I NEVER provided. Not once was anyone able to get me in touch with someone that could help resolve my issue. 
Then XXXX XXXX on XX/XX/XXXX came with NO FUNDS AVAILABLE anywhere!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
Re : 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed

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 2025-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is claiming I owe a debt {$13000.00} however they have not showed verifiable proof that the debt belongs to me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX XXXX is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof from XXXX XXXX XXXX ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed above. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, and you must not place this account on my credit reports. I demand XXXX XXXX XXXX cease and desist all collection activities on this account and remove this account off of my credit reports immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
This is a ESCALATED dispute of the Ally Financial tradeline currently appearing on my credit report. I am demanding immediate deletion of the account due to serious violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and reporting inaccuracies under Metro 2 guidelines.

1. Ally failed to provide a signed lease agreement to support the account. Under FCRA 623 ( a ) ( 1 ) ( A ) and 1681i ( a ), unverifiable information must be removed. 
XXXX. The account was charged off on XX/XX/year>, but Ally continues to update the account status monthly, amounting to illegal re-aging. This misleads lenders and violates FCRA 1681s-2 ( a ) ( 1 ) ( A ).

3. The vehicle tied to the account was seized by law enforcement, not voluntarily surrendered. Ally has not demonstrated proper repossession notices or rights to cure under UCC Article 9 or relevant state repossession law.

4. No detailed validation of the alleged {$22000.00} deficiency balance has been provided. This lacks a full accounting of sale proceeds, fees, and offsets and violates consumer rights under FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX number Chase Bank XXXX acting like they were helping me twice and hung up on me Called other branches no answer The XXXX guy was gas hiding me and told me to look up transactions on XX/XX/XXXX and XXXX I take pictures of it and then he hung up on me XX/XX/scrub>XXXX XXXX Went into Bank branch they told me because the claim was already filed they couldn't file another one I needed additional information but never told me what information I needed to clear it up I was straight disrespected and laughed at in my face and then when I lash out defending myself to the disrespect I'm told not to be disrespectful The other branch I visited called the department for me and put me on speaker to handle the situation this one just refused to help me XX/XX/scrub>XXXX XXXX Called number on the back of card was redirected to a certain Department say there was no one available to help me at this time and the phone hung up XX/XX/scrub>XXXX XXXX The number on the back of the car was redirected to certain Department put me on hold for a long time came back said my account was closed due to customer contact and a letter was sent out something about something will be released at their discretion funds or something like that I said okay got off the phone disrespected to the entire process after being scammed and then i have my account closed not helped at all If my account was closed why was I sent a text to call asking for more information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
XXXX ( XX/XX/XXXX XXXX ) Today, Equifax issued a response claiming my disputes were investigated and the accounts were verified. This is absolutely false. Equifax has closed my disputes without correction, ignored all evidence I submitted, and falsely reported a {$780.00} payment that never occurred. This is not just negligentit constitutes fraudulent furnishing and a direct violation of the FCRA, XXXX XXXX standards, and New York General Business Law 349.

1. Mishandled XXXX XXXX Joint Account Equifax verified a XXXX XXXX joint account, despite the fact that I submitted proper identification and supporting documentation during the dispute process. Instead of conducting a lawful reinvestigation, Equifax blindly verified the account without requiring validation from the furnisher. 



2. False Verification of Joint XXXX Account & Re-Aged XXXX Account The XXXX XXXX account is clearly labeled as joint, and thats exactly how I know Equifax never performed a real investigation. If they had, they would have discovered the facts and deleted the account entirely. Instead, they verified it as accurate, which constitutes a direct failure under FCRA 1681i.

Even worseEquifax updated this account in XX/XX/year>, post-dispute, to make it appear recent, as if new activity or payments had occurred. This is a deceptive act meant to keep a disputed account alive on my report. 

At the same time, Equifax allowed XXXX XXXX XXXX to re-age a time-barred debt by updating the tradeline in XXXX XXXX after the original delinquency. XXXX has already confirmed they can not sue, meaning this debt is uncollectible and should not be presented as active. 

These updates show a clear pattern of post-dispute retaliation, re-aging, and bad faith reporting, all in violation of the FCRA, XXXX XXXX standards, and XXXX XXXX XXXX. 



XXXX. Obstruction of My Dispute Rights Equifax has also blocked my access to the online dispute portal, displaying the message : We are temporarily unable to complete this request. This interference violates FCRA 1681i ( a ) ( 3 ) ( B ) and shows a broader pattern of retaliation and obstruction.

( See Exhibit B Screenshot of Dispute Blocked ) 4. Fabricated {$780.00} Payment Equifax falsely reported a {$780.00} payment that I never made. There is no bank account, no transaction record, and no authorization under my name tied to this phantom payment. This appears to be either a completely fabricated entry or an illegal post-dispute manipulation meant to validate a collection account. 

I demand an explanation : What financial institution was this payment tied to? 
What name was on the payment? 
Who auth

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : ACCOUNTS : XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX bill received in the amount of {$1100.00} was paid in full XX/XX/XXXX which was XXXX  months in advance of the actual due date to avoid interest payments. The payment missed to due date by XXXX days so a late fee of {$40.00} was implemented. When the next bill was received showing the late fee ( statement date XX/XX/XXXXXXXX  ) I called and spoke with XXXX and XXXX and was told the fee would be waived. I didn't even open the next couple statements as I had been told my balance would be {$0.00} after that call. Then I started getting collection calls from Comenity harassment level. Prompting me to open the XX/XX/XXXX statement showing a balance of {$78.00} at which time I called and spoke to XXXX # XXXX ( XX/XX/XXXX ) who told me the credit was never issued and he would issue the credit and balance would be $ XXXX statement XXXX received with a balance due of {$43.00} after showing refund of fees and more late fee charges which I assumed was just due to the waived fees not being processed before the statement date. Then XXXX statement shows more charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to formally dispute your recent decision to reverse the provisional credit issued in response to my fraud claim regarding unauthorized transactions on my account. I request that you immediately reinstate the credited funds and provide the documentation and justification for the reversal as required under Regulation E ( 12 CFR Part 1005 ).

According to Regulation E, Section 1005.11, financial institutions must conduct a reasonable investigation and provide the consumer with written notice of findings. Your reversal letter lacked sufficient detail, failed to include documentation of your investigation, and offered no substantive proof that the disputed transactions were authorized by me. 

Key Facts : I did not authorize the disputed transactions. 
I submitted doctors letter showing I was unable to conduct these transactions. 
Your decision to reverse the credit appears to rely on assumptions, not concrete evidence, and may be based on internal analysis that does not meet the standard of a reasonable investigation.

I am requesting the following : 1. A written explanation detailing your investigation, as required by 12 CFR 1005.11 ( d ).

2. Copies of any evidence used to justify the credit reversal.

3. Reinstatement of the funds if no clear, documented evidence supports your claim.

Please be advised that I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may escalate to the Office of the Comptroller of the Currency ( OCC ) and the Attorney Generals office if this issue is not resolved in a timely and lawful manner.

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 2025-06-04 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
It is not lawful to be denied my right to grant credit. Furthermore, my social security number ( Credit Card ) ending in XXXX XXXX XXXX XXXX  was used, and I received NO benefit. An inquiry appeared on my credit report, which indicates a transaction receipt. This means that the company was paid using my credit ( SSN ), for which I have received no benefit. I am aware of my open-ended credit plan and my right to contract unlimited without being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX 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

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 2025-06-04 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: PA

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, XXXX, and Transunion data breach, which adds to my worries about the safety of my personal data.

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 2025-06-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Check Resolution Inc.
State: TX

Complaint narrative:
XXXX XXXX at NCR contacted me for the first time on XX/XX/XXXX. She also contacted my husband and mom. My mom was not a contact I provided when requesting my original loan so I have no idea how she got her information. XXXX stated I would be served on or by XX/XX/XXXX if I didnt comply in XXXX XXXX XXXX On XX/XX/XXXX I spoke with XXXX XXXX at NCR about options to pay back the debt. XXXX also stated Id be served by XX/XX/XXXX and there wasnt anything he could do to stop that process if I didnt pay. His options and scare tactics worried me. On XX/XX/XXXX I contacted XXXX XXXX and spoke with XXXX XXXX who I entered into a repayment contract with, paid {$250.00} to start the contract and received the contract via email. On XX/XX/XXXX I confirmed with XXXX XXXX that everything was good to go and I didnt need to worry about NCR . On XX/XX/XXXX I called XXXX XXXX to let him know of the arrangement set up and requested he cease contact with me and notate my account with NCR. 

Today, XX/XX/XXXX, XXXX XXXX contacted me, my husband and mom again. When I called back to ask why shes still calling me I found XXXX XXXX never notated my account with the details we discussed on the phone on XX/XX/XXXX. I asked to speak with XXXX but was told shes just the court courier and they had no way of transferring me to her. I asked the rep on the line to notate my account accordingly and I guess let XXXX know. I asked requested again for contact to cease. 

This company is using scare tactics and this is the first Ive ever heard of them or the fact that they had my debt in their office. Now they are giving me days to act on a debt they want even more money from than the original loaner. They are calling from multiple numbers too.

Company response to consumer: Closed with explanation