vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
On XX/XX/XXXX, I noticed I had 2 unauthorized charges taken out of my Cash App account. One was for {$490.00} and the other was for {$200.00}. These were duplicate charges of the same amount for payments I made to another person in XXXX and XXXX, which I did authorize. I did not, however authorize the payments in XXXX nor did the person get the money. I immediately called my bank, suspecting fraud, closed the card associated with Cash App, and removed the card from Cash App. I then filed a dispute for both claims with Cash App. They denied both claims, so I appealed both claims and they denied my appeals. I even sent screen shots of the texts saying something is wrong with my cash app and money was taken out. Then the the other texter wroote, ' I didn't get anything ' and proceeded to send me a screenshot of his Cash App that didn't show the money. 
XX/XX/XXXX, I called the 1-800 number and was told there was nothing I could do and the person it was sent to would have to call and check their Cash App. I informed the representative that he had already done that and the representative he talked to said he only saw one transfer for each amount on the days I sent them. She continued to give me the run around and say to do things that I had already done. I also informed the rep, that it could be a glitch in their system, which I had read has happened with Cash App and making duplicate charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I received a solicitation from Capital One for their Spark Business Card. I provided the information that was requested ( address, TIN, etc. ). Later I received an email stating that Capital One needed more information from me. I called Capital One and spoke to a representative who informed me that they had already run my credit and needed a copy of my personal social to proceed with the application. I did not understand why they needed my personal social security card when I already provided my TIN and Capital One had already run my credit. I was told that Capital One needed the social security card to prove that it was me. I did not understand the logic, but on that same day I submitted a PDF of my social security card per directions from the representative who informed that the call was being recorded.

I did not hear anything which was curious to me as my understanding is that all they needed was the social security card to move forward. Within the last 24 hours I resubmitted a PDF of my social security card and this morning I received a letter of decline ( attached ) stating that they could prove my identity. This does not make sense to me. Why would they have run my credit before they decided they were not able to verify my identity? Also, the credit inquiry has now negatively influenced my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NY

Complaint narrative:
Following my previous complaints ( XXXX and XXXX ), I am filing an additional new complaint about Sallie Mae 's predatory practices - which include incessant calling, failing to pause student loan payments due to unemployment and adding additional penalties ( which, by extension, could be seen as an attempt to siphon state unemployment funds for their pernicious private pockets by adding additional fees and threatening credit scores, even though Unemployment Insurance is intended to pay for basic necessities ) and finally most recently Sallie Mae obstructed justice by failing to pause student loan payments during the recent CFPB investigation. I will explain : In my first complaint ( XXXX ), I mentioned that Sallie Mae was collecting debt despite my unemployment status, even though I was receiving money from the state for unemployment and food and not loans. Sallie Mae told me to " budget better, '' implying that I should forego food or other necessities because my student loan took priority- which is not only heartless but potentially a misuse of state funds. I was told to forego food and rental money by reallocating my money to repay private student loans, even though I was given state welfare to meet my basic needs. If I had applied for a One Shot Deal because my rental payments were so far behind because I was reallocating cash assistance to pay for private student loans, I would have been misusing public funds. Although I was able to get by because I did not pay my Sallie Mae loan, I think that their practices are predatory because they can lead other vulnerable buyers to misuse public funds and benefits for Sallie Mae. 

On a related note, I filed another complaint about discharging my student loan ( XXXX ) because I was the victim of discrimination, which impacted my ability to get an equal education. During the time that I filed the claim to dispute the loans, Sallie Mae has called me incessantly and continued to compound interest on the payments, which means that they did not give the complaint a fair review, did not comply with the CFPB, and obstructed justice. These loans should not be collected while I am disputing the nature of the loans, as that is also predatory.

Finally, Sallie Mae claims that " the loan agreements ... do not provide for loan forgiveness on the basis you requested, '' but the failure to disclose the terms and conditions by which loans can be forgiven is a clear violation of caveat emptor and are disproportionately impacting disabled borrowers, like me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: AZ

Complaint narrative:
I disputed a charged-off credit card account reported by XXXX XXXX XXXX with Experian transunion and Equifax because it contained multiple factual inaccuracies, including : Repeated reporting of the same Paid on XX/XX/year> date for over 24 months after no payments were made. 
Inconsistent Date of First Delinquency between bureaus and within the same report, which impacts the reporting period. 
High balance ( {$510.00} ) exceeding contractual credit limit ( {$300.00} ) without supporting documentation. 
Multiple Charge-Off notations in consecutive months instead of a single event. 
Missing critical fields, including the Date of Last Activity and Original Creditor Name. The bureaus verified the account without providing proof. I then sent a Method of Verification request under FCRA 611 ( a ) ( 7 ) asking for the name and contact of the furnisher, the method used, and the original documentation used to verify the information.

They failed to provide this required information within the statutory time frame and have not deleted the account.

This is a violation of the Fair Credit Reporting Act ( FCRA ) for : Failure to maintain maximum possible accuracy ( 607 ( b ) ) Failure to provide the method of verification upon request ( 611 ( a ) ( 7 ) ) Continued reporting of unverifiable information ( 611 ( a ) ( 5 ) )

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 2025-08-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : KIMBRELLS Date : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: EQUIFAX, INC.
State: NH

Complaint narrative:
1. Charged-Off Accounts Capital One ( 2 accounts ) : Discharged through bankruptcy but showing charge-off status Discover Card : Discharged through bankruptcy Discover Student Loans ( 2 accounts ) : {$16000.00} and {$10000.00} written off XXXX : Discharged through bankruptcy.

Fair Credit Reporting Act ( FCRA ) Violations 1. Inaccurate Reporting Post-Bankruptcy Issue : Accounts discharged in bankruptcy ( XX/XX/XXXX ) still showing charge-off status Law : FCRA Section 605 ( a ) - accounts included in bankruptcy should reflect " Included in Bankruptcy '' not charge-off Action : Dispute with all three bureaus citing inaccurate post-discharge reporting For Charge-Off Accounts : " This account was included in my XXXX  XXXX bankruptcy filed XX/XX/XXXX and discharged XX/XX/XXXX. The current reporting as 'charge-off ' is inaccurate and misleading. Per FCRA Section 623, this should reflect 'Included in Bankruptcy ' status only. '' For Student Loans : " I dispute the accuracy and completeness of this account. The reported balance and charge-off status appear inflated and unverified. I request validation of this debt including original loan documentation and payment history under FCRA Section 611. '' For Closed Accounts : " Request removal of this closed account as it serves no legitimate business purpose and negatively impacts my credit utilization calculations under FCRA Section 605 ( a ). '' For Charge-Off Accounts : " This account was included in my XXXX XXXX  bankruptcy filed XX/XX/XXXX and discharged XX/XX/XXXX. The current reporting as 'charge-off ' is inaccurate and misleading. Per FCRA Section 623, this should reflect 'Included in Bankruptcy ' status only. '' For Student Loans : " I dispute the accuracy and completeness of this account. The reported balance and charge-off status appear inflated and unverified. I request validation of this debt including original loan documentation and payment history under FCRA Section 611. '' For Closed Accounts : " Request removal of this closed account as it serves no legitimate business purpose and negatively impacts my credit utilization calculations under FCRA Section 605 ( a ). ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On XX/XX/year>, I was contacted regarding a {$6700.00} purchase made at Nordstrom using a store credit account in my name. I did not authorize this account access or transaction. I later learned that an individual named XXXX XXXX used a fraudulent Illinois drivers license with my personal information to complete the purchase. 

I immediately reported the incident to Nordstrom, the issuing bank ( TD Bank USA, N.A. ), and XXXX Police Department, which documented the fraud under Case XXXX XXXXXXXX. XXXX XXXX was later arrested and charged with identity theft and forgery. 

Since then, I have repeatedly disputed this account and transaction with Nordstrom, TD Bank USA, N.A., and the credit bureaus. I also requested copies of the original application, account statements, transaction receipts, and any ID used to open or access the account. None of the requested documentation has been provided.

Despite my police report and evidence proving the account was accessed fraudulently, the account and related negative information remain on my credit report. I am seeking removal of the fraudulent account, correction of my credit report, and confirmation that I am not responsible for the {$6700.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor name : XXXX XXXX Account number : XXXX Date of charge off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the fair credit reporting act ( FCRA ), negative information such as charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. Subsection 1681 e ( b ) ). The continuous monthly reporting of this charge off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge off is seven years from the initial delinquency that led to the charge off ( 15 U.S.C. Subsection 1681 c ( a ) ( 4 ) ). Repeatedly reporting this charge off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to 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
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
sent a letter asking me to dispute about before XX/XX/year> to avoid it going on my credit report so i sent them a letter and an email disputing it and asking them for debt validation which they did not provide within 45 days as listed in fcra. they have since then reported it to my credit report and will not respond to my emails or letters disputing it and asking for validation so i would like help getting this deleted off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : -SOUTHWEST CREDIT SYSTE PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-13 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: MD

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NY

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-13 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: GA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/year>

Company response to consumer: Closed with explanation