vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
The original owner of this debt " XXXX XXXX XXXX & More '' + " along with its parent company XXXX XXXX XXXX, filed for XXXX XXXX XXXX on XX/XX/XXXX. " + This filing led to the closure of all XXXX stores and XXXXXXXX XXXX plans to sell its assets. 
" XXXX writes that interest rate expenses XXXX from {$25.00} XXXX in the year that ended XXXX XXXX, XXXX to {$81.00} XXXX in the year that ended XXXX XXXX, XXXX up 217.89 %. The steady increase in interest rates and costs of capital, with minimal to no relief in the near term, has detrimentally impacted the companys ability to service its debt obligations. * Accounting to the same some source, XXXX is identified as " the combined companys newly installed president and CEO, XXXX XXXX '' * In my opinion, the new servicer of the debt has not provided proof of validation of ownership of debt as of XX/XX/XXXX. In my opinion, I was not aware of any cited information prior to XX/XX/XXXX. 
In my opinion, I was not aware of the existence of the cited source : " XXXX XXXX XXXXXXXX '' prior to XX/XX/XXXX. 
In my opinion, I was aware of the existence of the cited source : " XXXX '' prior to XX/XX/XXXX. 
In my opinion, I was not aware of information cited from the source : " XXXX XXXX  '' prior to XX/XX/XXXX. 

* Source : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX All opinions stated are my own, whether specifically attached to a date or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: HI

Complaint narrative:
On XX/XX/year> # XXXX XXXX an unauthorized payment was made from my cash app through cash app pay to XXXX play in the amount of {$120.00}. I don't use cash app pay, my XXXX accounts show nothing purchased. I only noticed it because this XXXX another similar charge was attempted only there was no money in my account and the charges were declined. I immediately contacted cash app, made a claim, and they denied it. I asked for supporting documents, what they sent was a generic invoice that showed nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
On Wednesday, XX/XX/year>, I made a purchase using Cash App at XXXXXXXX XXXX. The payment showed as pending in my Cash App activity. Later that same day, at XXXX XXXX, I canceled the order through the merchants website. The merchant confirmed the order was canceled and that the funds were released on their end. 

Despite this, the payment is still pending in Cash App. Ive contacted their support multiple times, and Im repeatedly told to waitsometimes up to 10 business dayseven though there is no active transaction and no refund in progress. The funds were never completed or settled by the merchant, yet Cash App continues to hold the money.

As of today, it has been more than three business days, and the funds have not been returned to my balance. I am requesting that Cash App immediately release the pending charge and provide an explanation for this delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
My XXXX XXXX XXXXXXXX credit card with Barclays was locked due to fraudulent transactions several months ago. I had my balance paid down to zero, and didn't like the card, so I just stopped using it instead of unlocking it. Because I was not using it, and had been notified that it had been locked, I did not log in to check my balance, as there was no reason for it to be anything other than zero. However, I started getting messages to make payments, and when I logged in I found that several fraudulent transactions had occurred from a merchant called " gmrorg.com '' that I do not recognize. I called the Barclays customer service line and spoke to a representative, to whom I explained the situation. I asked that all transactions from gmrorg.com be reported as fraudulent, and that my account be closed immediately. I made it clear that I did not expect to pay those balances, because they were fraudulent charges. I asked for written confirmation that the transactions were reported as fraudulent and that my account was to be closed. The representative refused to provide any written confirmation. 

A few weeks later, I saw that no such thing had happened, so I called back again. The second representative I spoke to said that the transactions were never reported as fraudulent. I was upset and asked them to make sure that they were reported as fraudulent. They transferred me to another department and I went through a long process of confirming the transactions I wanted to report as fraudulent. Once again, I asked for written confirmation that the account was being closed and that the transactions were reported as fraudulent and refunded. The representatives refused to provide written confirmation again, but told me verbally that they had done so. 

Now, months later, I noticed that my credit score dropped, so I checked my account and see that I have been charged multiple late payment fees and that the transactions still have not been reported as fraudulent. At this point it is senseless to continue trying to rectify this with Barclays directly as they have openly lied to me multiple times and have done none of the things they said they would after multiple attempts by me to contact and address these issues.

I have now paid the account balance because I don't want it to further affect my credit score, but this in no way indicates that I accept responsibility for these amounts. I expect that all fees and fraudulent transactions be refunded to my checking account.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NJ

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-02 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: NJ

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I deposited my monthly payroll check on XX/XX/year>. I then got an email XXXX minutes later that due to some confidential information it shows that the check will bounce. This is a payroll check from XXXX when I called and asked what type of confidential information was found. They said that is not the case and that this is a standard hold since its a first check. However, that is not what the email said and when I said that they said oh well that just means that its a standard hold. They refused to expedite it and they spoke to me like I was a child. No customer service representative was supportive or helpful. I do not have the money I worked a month for and they are holding it for an additional week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: GA

Complaint narrative:
I was dropped by my current insurance company in XXXX due to no receipt of paperwork after they had already written me a renewal policy and received payment from my mortgage lender. Their strict guidelines would not allow them to insure me another policy. After reaching out to other insurers to get a new policy one agent went the extra mile and told me the problem was with the reporting information from Nexis Lexis that was coming from XXXX XXXX. I requested a consumer report from them and found that a XXXX XXXX XXXX with a different ss # and d.o.b, and middle initial 's information was reporting on my Nexis Lexis ID. They had claims and this was preventing me from getting a reasonable quote since all the companies run consumers through this system for verification. I reached out directly to XXXX, whom I've never been insured with, and they sent me in circles with Nexis Lexis and said it has to be the local insuring agency that must fix this. The report clearly shows information belonging to another individual but when reverifying they keep saying its valid. This is clearly fraudulent on XXXX 's reporting and my disputes with Nexis Lexis have been fruitless. This has been reporting for years but I reached out on XX/XX/year> when I noticed. This has caused me financial damage and time with no clear resolution yet. My lender has forced placed insurance on me that has doubled my initial premium that i had since a new homeowner from about {$1800.00} to {$3200.00}. I have also reached out to the XXXX XXXX XXXX XXXXXXXX without any resolve yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
I need your help reviewing accounts from these companies that have incorrectly flagged late payments on my credit report. After checking the report, I found several entries marked late that are not validthere should be no late payment remarks. Please remove these inaccurate entries and update the accounts to the agreed positive standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Formal Cease and Desist & Deletion Demand Source XXXX XXXX XXXX ( {$620.00} ) Equifax Reported : XX/XX/2025, | Opened : XX/XX/2025 To Whom It May Concern : I am formally disputing and demanding immediate deletion of the collection account being reported by Source XXXXXXXX XXXX  for {$620.00}, opened on XX/XX/2025. 



This account is being reported on my Equifax credit file without sufficient identifying information, no original creditor, and no proper validation. Your continued publication of this item violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). 
Applicable Violations of the FCRA : FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) You must conduct a reasonable reinvestigation within 30 days of a dispute. If the information is inaccurate or unverifiable, it must be removed.

FCRA 15 U.S.C. 1681s-2 ( b ) ( 1 ) The furnisher of this data ( XXXX XXXX XXXX ) must verify the debt in full, including legal right to collect, chain of title, and contract. Without this, you must remove the entry.

FCRA 15 U.S.C. 1681e ( b ) Equifax must keep maximum accuracy. Continuing to report collections with missing creditor information, no account history, or unverified debt, constitutes negligence or willful noncompliance. 

Consumer Financial Protection Bureau ( CFPB ) has issued enforcement actions and consent orders in similar cases, requiring credit reporting agencies to stop reporting unverifiable debt and improve dispute handling practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for and was approved for the XXXX XXXX credit card through Chase on XX/XX/year>. As part of the promotion, I was to receive a {$250.00} eGift card from XXXX, upon approval. I have met all the terms of the offer. 

However, I have not received the reward, and both Chase and XXXX have refused to take responsibility, each directing me back to the other. Ive contacted both companies multiple times with no resolution or accountability. No clear contact or escalation path has been provided. 

This reward was a key factor in my decision to open the credit card, and the failure to honor it feels deceptive and misleading. 

I am requesting that Chase or XXXX fulfill the original terms of the offer and deliver the {$250.00} eGift card as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Self Financial Inc.
State: NC

Complaint narrative:
On XX/XX/2025, a transaction in the amount of {$730.00} was withdrawn from my primary bank account and was intended to be applied to my Self credit account. The funds never arrived at Self, and I have not received a refund, credit, or any confirmation of where the funds went.

My primary bank provided me with a trace number and stated they could not open an investigation because the transaction was over 60 days old. I provided that trace number to Self, but they have not confirmed the status of the transfer or taken responsibility. I have made multiple attempts to follow up and resolve this issue, including phone calls and emails to both parties. 

This unresolved loss is impacting my financial situation. I am requesting assistance in determining where the funds went and ensuring I am refunded or credited appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: U.S. BANCORP
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue XXXX before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with ELAN FINANCIAL or any of the affiliates. I have confirmed and advised ELAN FINANCIAL that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how ELAN FINANCIAL approved a credit under my name, without doing any further review and confirmation. Given the fact that ELAN FINANCIAL has the right to investigate and obtain all necessary information prior to approving any credits, ELAN FINANCIAL has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, ELAN FINANCIAL must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that ELAN FINANCIAL must comply with prior to approving any credit card/lines to anyone. Pursuant to ELAN FINANCIAL 's online advertisement, ELAN FINANCIAL encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from ELAN FINANCIAL stating that my information was used or attempted to be used in order to open an account. Thus, ELAN FINANCIAL has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, ELAN FINANCIAL violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for ELAN FINANCIAL to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

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 2025-08-01 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:
Complaint Summary : I am filing this complaint to formally report that the nationwide credit reporting agenciesEquifax, Experian, and TransUnionhave failed to update or remove inaccurate personal information from my credit report, despite multiple prior requests. I have also discovered discrepancies across my credit files that raise serious concerns about possible identity theft. I have submitted the required documentation, including an FTC Identity Theft Report and a police report, yet the agencies have not corrected or removed the following : ________________________________________ 1. Inaccurate and Outdated Personal Information Name : Not displaying consistently across reports.

Addresses : Old and incorrect addresses remain listed, despite clear instruction to remove them. These addresses are linked to identity theft incidents. 
Phone Numbers : Several outdated numbers are still listed, which are no longer in use. 
Social Security Number & Date of Birth : Not adequately protected or redacted. 
Employer Information : Inaccurate and outdated employer listings remain. 
________________________________________ 2. Discrepancies Across Credit Bureaus Indicating Identity Theft Account numbers differ between bureaus.

Payment statuses are reported inconsistently.

Addresses and employer information vary widely between agencies. 
Fraudulent accounts and inquiries are still being reported, with no valid method of verification provided. 
________________________________________

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