vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
A collection company by the name or Caine & Weiner acting on the behalf of their clients which will be P fleet that is a commercial account, they have not provided personal liability clause due to this account being reported on my personal credit report i requested for a personal liability clause the original date requested XX/XX/year> i have XXXX then re-requested for the same information as of XX/XX/year> the balance reported to my personal credit report is {$3800.00} and I also have evidence of this company adding extra charges to that balance after my first initial request for a debt validation XXXX request XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: GA

Complaint narrative:
I am submitting this complaint regarding the inaccurate and improper reporting of my XXXX XXXX XXXX XXXX XXXX XXXX, which is currently being reported in a manner that is incomplete, misleading, and inconsistent with federal law. The bankruptcy information appearing on my credit report is either being reported with incorrect dates, incorrect statuses, or in a way that causes accounts included in the bankruptcy to continue reporting as active, delinquent, or collectible, which is unlawful. This violates the Fair Credit Reporting Act 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ), as credit bureaus and furnishers are required to ensure maximum possible accuracy and are prohibited from reporting discharged debt as still owed. Despite my efforts to correct this matter, the inaccurate bankruptcy reporting has not been properly corrected and continues to cause significant financial and reputational harm. I am requesting that the CFPB require an immediate and lawful correction of all bankruptcy-related reporting tied to Case Number XXXX and written confirmation that my credit report now reflects only accurate, complete, and legally reportable 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 2025-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am filing a formal complaint against Ally Auto for failure to properly apply my insurance and GAP payments following a total vehicle loss, and for inaccurate credit reporting.

My vehicle was declared a total loss. My primary auto insurance payment was issued and my GAP insurance payment was also issued. I have now directly confirmed with the GAP provider that the GAP payment SHOULD HAVE fully covered the remaining balance on my auto loan. 

Despite both payments being made, Ally Auto is still reporting that I owe a remaining balance of {$2900.00} and is reporting the account as a charge-off on my credit report. This balance should be {$0.00}. This is an incorrect balance and inaccurate credit reporting. 

I have attempted to resolve this directly with Ally Auto, but the balance has not been corrected. Ally is now reporting a debt that should no longer legally exist and is damaging my credit through inaccurate reporting. 

I am requesting an immediate investigation, correction of my balance to {$0.00}, and full removal of the charge-off and all negative reporting associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: CA

Complaint narrative:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Branch Messenger, Inc.
State: MI

Complaint narrative:
I am filing a complaint for an unauthorized and fraudulent transaction made through the Uber Driver app using the Uber Pro Card system. A scammer, pretending to be Uber support, contacted me and instructed me to transfer funds to a card they said was associated with Uber. I believed it was legitimate because the Uber app does not normally allow transfers to cards not in the drivers name. 

I followed the instructions within the official Uber Driver app, and the money was sent instantly. I later learned the card did not belong to me and the transfer was fraudulent. 

I immediately filed a dispute with the Uber Pro CardXXXX XXXX XXXXXXXX department , provided all evidence, but the dispute was denied despite this being an unauthorized transfer under Regulation E ( 12 CFR 1005 ), which states consumers are protected from electronic fund transfers induced by fraud or deception. I did not authorize my funds to be withdrawn to a third-party scammers card. 

I am requesting the CFPBs assistance because : My dispute was improperly denied My funds were transferred to a card not in my name My transfer was induced by fraud I used the official Uber app, which should have verified the card owner I am seeking reimbursement for the unauthorized transfer and a proper investigation consistent with Regulation E. I am attaching screenshots, the dispute denial letter, timeline, and all communications. 


Date XXXX : I received a message claiming to be Uber support. 
Date XXXX : They stated my account was on hold and I needed a virtual Uber card. 
Date XXXX : I transferred $ XXXX $ XXXX through the Uber app to the card they provided. 
Date XXXX : I realized this was a scam and contacted support. 
Date XXXX : I filed a dispute with Uber Pro/XXXX XXXX 
Date XXXX : They denied my claim even though the transfer was unauthorized. 
Today : Filing CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: SC

Complaint narrative:
On XX/XX/year>, I filed XXXX disputes with Cash App for transactions with the same merchant : XXXX for {$38.00} and XXXX for {$200.00}. Both disputes were for goods/services not received. I submitted all required information and documentation immediately. 

Cash App refunded the {$38.00} dispute on Monday XX/XX/year>, but did not refund the {$200.00} dispute, even though both were filed on the same day for the same issue and same merchant. 

I filed a CFPB complaint on XX/XX/year>, because Cash App exceeded the investigation window without resolving my claim. Cash App continues to send repeated scripted emails and has not provided a resolution, refund, or any explanation as to why XXXX dispute was refunded and the other was not. 

Today is XX/XX/year> ( Day XXXX since XX/XX/XXXX ). Cash App has exceeded both the 45-day investigation deadline and the additional 15-day CFPB response deadline. I rely on this refund for essential expenses, and Cash App has failed to follow their required dispute process. 

I am requesting that the {$200.00} dispute be refunded immediately, as required, since both disputes were identical, filed on the same day, and one was already refunded by Cash App with no issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was trying to make a payment online using my debit card. Was rejected multiple times. I checked my account via the bank website and found out that my checking and saving account are gone. So I decided to call the bank. They transferred me to 4 different people including the supervisor. One of them hung up on me. I called them back and they transferred me to the supervisor. I explained to her why I called and she raised her voice with a bad attitude. Seemed like she didn't want to help. Terrible customer service from Citibank Citi Debit Card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: GA

Complaint narrative:
I am submitting this follow-up statement to request immediate attention to the ongoing inaccuracies reported on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$470.00} Date XXXX Date of Last ActivityXXXX  Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1300.00} Date XXXX Date of Last XXXX Last Payment : XX/XX/XXXX late 30 days XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1000.00} Date XXXX Date of Last XXXX Last XXXX Late 30 days XX/XX/XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$13000.00} Date XXXX Date of Last XXXX Last Payment XXXX XX/XX/XXXX Late 30 days XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX Last XXXX not reported in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$62000.00} Date XXXX Date of Last XXXX Last Payment : XX/XX/XXXX Late 30 days Mar-Apr XXXX XXXX XXXX entries continue to reflect unverifiable late payments that do not match my verified payment history or the corrections previously made by the bureaus. These accounts still display inconsistent and unsupported delinquencieseven though I have maintained timely payments and no documentation has ever been provided to validate the negative informationresulting in violations of FCRA 611 ( a ) ( 1 ) ( A ), 607 ( b ), and 623 ( a ) ( 1 ) ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because my TransUnion and Experian credit reports are showing two hard inquiries XXXX XXXX XXXX and XXXX XXXX XXXX both dated XX/XX/year> that I never authorized, initiated, or consented to, which violates my rights under the Fair Credit Reporting Act. Under FCRA Section 611, I have the right to dispute inaccurate or unauthorized information, and under FCRA 604 ( a ), no entity may perform a hard pull on my credit without a permissible purpose. These companies have never provided any service to me, nor have I submitted any application that would justify accessing my credit file. The presence of these inquiries has caused confusion, concern, and unnecessary risk to my credit profile. Additionally, according to FCRA 605 and 605 ( a ), credit bureaus must ensure that only accurate, verified, and properly sourced information is reported, yet these inquiries remain despite having no lawful basis. I believe these entries are either mistakenly attributed to me or conducted without my consent, and the bureaus failure to verify proper authorization before reporting them violates federal consumer protection standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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:
I am filing this complaint because my TransUnion and Experian credit reports are showing two hard inquiries XXXX XXXX XXXX and XXXX XXXX XXXX both dated XX/XX/year> that I never authorized, initiated, or consented to, which violates my rights under the Fair Credit Reporting Act. Under FCRA Section 611, I have the right to dispute inaccurate or unauthorized information, and under FCRA 604 ( a ), no entity may perform a hard pull on my credit without a permissible purpose. These companies have never provided any service to me, nor have I submitted any application that would justify accessing my credit file. The presence of these inquiries has caused confusion, concern, and unnecessary risk to my credit profile. Additionally, according to FCRA 605 and 605 ( a ), credit bureaus must ensure that only accurate, verified, and properly sourced information is reported, yet these inquiries remain despite having no lawful basis. I believe these entries are either mistakenly attributed to me or conducted without my consent, and the bureaus failure to verify proper authorization before reporting them violates federal consumer protection standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I mailed through XXXX. the payment method for the personal loan I had taken. I called two weeks later and was told that my payment would be processed once it was received. I had gotten an email from XXXX. that it was signed and delivered on XX/XX/XXXX of XXXX. I called on Wednesday the XXXX of XXXX and was told that they had received the form of payment and when I intended to speak to a manager I was told that they were busy and would call me back in the next XXXX hours and its been two weeks since then. Under U.C.C. 3-603 my payment should be accepted by them. I've given them more than two months to make this correct>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In reviewing my credit reports, I discovered inaccurate and inconsistent reporting of a previously charged-off Capital One account ( ending in XXXX XXXX XXXX XXXX XXXX ). The account was paid in full on XX/XX/XXXX, yet the bureaus continue to display conflicting and contradictory status descriptions, including settled for less than full balance and paid in full/was a charge-off. These remarks can not simultaneously be correct, and the inconsistency creates an inaccurate portrayal of the account. 

Additionally, the information being furnished does not appear to align consistently across all three credit bureaus. The Date of First Delinquency appears to be reported inconsistently or unverifiably, as Capital One has not provided documentation supporting the exact delinquency timeline dating back to approximately XX/XX/XXXX. 

I contacted Capital One to request clarification and correction, but the information has not been updated or verified. Because this data is being furnished to multiple credit bureaus, accuracy and consistency are required under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the account be fully investigated and that inaccurate or unverifiable information be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: AR

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 XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: MD

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Summary : USAA Federal Savings Bank incorrectly altered the amount of a mobile check deposit from {$1500.00} to {$15.00} three days after the funds were credited to my account. USAAs automated system made this change without human review, without notifying me, and deducted {$1400.00} from my account. When contacted about the error, the representative confirmed that the check images in their system clearly stated {$1500.00} but also stated that there was absolutely no way to correct the error and that the only way for me to get the money back was to ask the original check issuer to write me a new check for the difference. I escalated the request to their executive branch, and I received an email reiterating the original representative 's statements. 

Issue : The original check is clearly written for {$1500.00}. Despite acknowledging the error, USAA representatives and supervisors stated they can not correct the error and that only the check issuer can remedy the situation. This is an improper denial of responsibility for an entirely internal banking error. 

Impact : This caused my account balance to be incorrect without notification or consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have XXXX dispute cases with the same amount of charges and reasons. One is pending. The other one, CLAIM ID : XXXX, was closed. 
I called the customer service XXXX to reopen the case. 
But no one could help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
contacted Truist Bank and the credit bureaus and asked them to : Confirm that these two tradelines are for the same secured credit card with a {$2000.00} limit and approximately {$400.00} owed.

Provide a complete and accurate payment history, including the correct date opened, date of first delinquency, date closed or charged off, and a clear explanation of how the current balance was calculated.

Identify which reporting entry is correct and explain why two different negative accounts are being reported for a single secured card.

Either consolidate the information into one accurate tradeline or, if they can not fully verify the accuracy of the information, delete the duplicate and any unverifiable reporting.

Truist has not provided complete documentation or a consistent explanation, and both negative, conflicting entries remain on my credit reports.

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