vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: FL

Complaint narrative:
there accounts that dont belong to me that are reporting on my credit report and i have called in already numerous times to remove me from the credit cards. they were authorized users from my x and we both have called and furnishers have removed us but bureaus are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: VA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX. XXXX  XXXX Washington XXXX DC XXXX Email : XXXX From : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Date : XX/XX/XXXX Subject : XXXX XXXX Equifax Identity Theft & FCRA Violations I am submitting this formal complaint against Equifax for failure to act upon valid identity theft claims, pursuant to the Fair Credit Reporting Act ( FCRA ). Despite submitting complete documentation including my FTC Identity Theft Report ( Report # XXXX ) and identity verification, Equifax has not removed fraudulent data from my credit file. 

Fraudulent and Disputed Items : XXXX. XXXX Accounts : XXXX XXXX {$160.00} charged-off account ( Account # XXXX ) XXXX. Fraudulent Collection Account : XXXX XXXX XXXX ( NATLCRSYS ) {$2000.00} collection account ( Account # XXXX ) XXXX. Unauthorized Inquiries ( All Dated XX/XX/XXXX or XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inaccurate Personal Information : Incorrect Name : XXXX XXXX ( should be XXXX XXXX. XXXX ) Incorrect Previous Addresses : XXXX XXXX XXXX Apt XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Violations of the Fair Credit Reporting Act ( FCRA ) : XXXX Failure to block fraudulent information within XXXX business days of receiving the FTC report XXXX Failure to properly reinvestigate disputed information XXXX ( b ) Failure to maintain accurate and verifiable information in the consumers file Requested Resolution : I request the CFPB to compel Equifax to XXXX Permanently delete the above-listed fraudulent accounts and inquiries Correct all inaccurate personal information Issue an updated, corrected credit report Provide written confirmation of all actions taken Equifax has failed in their legal duty to address my identity theft dispute in a timely and lawful manner. I ask the XXXX to take appropriate enforcement measures and ensure my credit file is restored and compliant. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: Block, Inc.
State: IL

Complaint narrative:
Cash app took XXXX a unauthorized payment from XXXX play XXXX XXXX Ca for subscription on XX/XX/year> directly from my checking acct. 
Then again XX/XX/XXXX for another XXXX for another XXXX play XXXX XXXX charge from mountain View Ca. from a locked cash app card. 
We disputed and they won't refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2025, someone did an ACH transfer from my savings account. I did not authorize this transaction. I have no idea who the person is nor have I ever done business with XXXX XXXX XXXX. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-27 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:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your 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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Dave Operating, LLC
State: CA

Complaint narrative:
A company called XXXX  was taking money out of my account that I did not authorize somehow they got to hold to my account information but it all actual facts if Dave XXXX  would have blocked them as an unauthorized using the money wouldn't have been taken out so I made a claim and Dave XXXX  said that they have to put my account on freeze that I would not be able to get back into my account until they're done with their investigation this is illegal I get my direct deposit through Dave XXXX  not only that I get other checks that come through Dave XXXX  I'm not able to pay my bills feed my kids and can end up on the streets because they want to freeze my account instead of just doing the investigation and blocking that company they did so without me speaking to a supervisor quickly to hang up the phone so when I called them it sends me automatically to a automated system that says check your email instead of someone answering the phone to give me any answers that's illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
To Whom

It May Concern, I am writing to formally dispute and request an investigation into certain information currently appearing on my credit report under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Under the FCRA, you are legally obligated to conduct a reasonable
investigation of any disputed information and to delete any data that can not be verified within 30 days of receipt of this letter. This letter serves as my official notice to invoke that right.

I am not required to identify which specific items are inaccurate in this dispute ; rather, I am requesting that your agency verify all accounts reported under my file. Any item that can not be verified with competent evidence must be immediately removed from my credit report in accordance with Section 611 of the FCRA. 
Please complete your reinvestigation within the legally mandated 30-day window and send me an updated copy of my credit report reflecting the results of your findings. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I am filing a formal complaint against TransUnion LLC for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate, respond to, or validate serious issues I raised in a letter dated XX/XX/2025. 

Despite clearly stating in my correspondence that this was not a typical dispute, TransUnion ignored my demand for compliance with multiple sections of the law and instead sent a generic template letter claiming the accounts I challenged were " verified as accurate '' with no evidence, documentation, or explanation. 

Background : On XX/XX/2025, I mailed a letter to TransUnion, identifying XXXX specific accounts ( XXXX XXXX XXXX XXXX XXXX  ) that were either inaccurately reported, or unverifiable. 

In that letter, I explicitly cited my rights under FCRA 1681e ( b ), 1681i ( 5 ), 1681i ( 6 ) ( B ) ( iii ), 1681i ( 7 ), 1681c-2 ( 605B ), and 1681n. 

I demanded : Removal of unverifiable accounts Explanation of reinvestigation methods Method of verification details per 1681i ( 7 ) Physical proof of a signed contract Proof that my data was shared lawfully under GLBA Violations by TransUnion : 1681i ( 6 ) ( B ) ( iii ) Failure to Disclose Reinvestigation Procedures TransUnion never explained what steps were taken to verify the accounts or who they contacted.

1681e ( b ) Failure to Maintain Maximum Possible Accuracy The tradelines remain on my report despite no supporting evidence, contracts, or proof of debt. TransUnions continued publishing of these unverifiable accounts is a direct violation of their legal duty to report only accurate and verifiable information.

1681n Willful Noncompliance TransUnion has demonstrated a pattern of willful neglect of its statutory duties by sending a template response instead of addressing serious legal claims. This willful failure subjects them to statutory damages under 1681n. 

Accounts Involved : 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 2025-07-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
Issue : Scam-related transactions/ refusal to investigate or provide provisional credit Details : I am filing this complaint against Crypto.com regarding their handling of multiple debit card transactions made through their Crypto.com XXXX debit card, issued by XXXX XXXX XXXX XXXX 

I authorized the transactions under false pretenses, after being misled by what turned out to be a fraudulent website posing as a legitimate service. Upon realizing it was a scam, I promptly reported it to Crypto.com and requested a dispute. Despite submitting all available documentation, Crypto.com denied the dispute and has refused to provide provisional credit or conduct what appears to be any meaningful investigation. 

While I understand these were authorized in the technical sense, the merchant was clearly deceptive and engaged in fraud. Crypto.coms process appears to offer no protection to customers who fall victim to scamseven when reported quickly and in detail. They continue to treat the merchant as legitimate and claim that since I initiated the charges, the case is closed. 

This stance is both unethical and potentially noncompliant with consumer protection standards. Ive also spoken directly with law enforcement, who confirmed they cant open an investigation until the financial institution recognizes the situation as fraudulent. Crypto.coms refusal to acknowledge that possibility is blocking all avenues for recovery. 

Requested Resolution : A full reinvestigation of the disputed charges Issuance of provisional credit during the investigation A written explanation of how the decision was made and what policies were followed Assurance that Crypto.com will improve its dispute handling process for scam-related activity Additional Information : Crypto.coms refusal to act, even when presented with clear evidence of deceptive practices by the merchant, sets a dangerous precedent. Consumers deserve better protection, especially when dealing with card products issued under regulated banking institutions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting a formal complaint against XXXX XXXX, XXXX for multiple and ongoing violations of federal and state consumer protection laws. XXXX is reporting an alleged debt originating from XXXX XXXX in the amount of \ {$1200.00}. I have submitted formal debt validation requests starting in * * XX/XX/XXXX * *, along with multiple dispute filings to * * XXXX XXXX and TransUnion, and over XXXX formal complaints to the CFPB * *. 

Despite these efforts, XXXX XXXX has refused to provide legally required documentation to validate the debt. They continue to report this alleged account on my credit file without producing : * A copy of the original signed agreement or contract * An itemized accounting of the debt * Proof of legal ownership or assignment from XXXX  XXXX * Documentation of charge-off status and activity dates This violates the following statutes : FDCPA 809 ( b ) Failure to provide debt validation upon written request FCRA 623 ( a ) ( 1 ) ( A ) Reporting incomplete or inaccurate information FCRA 611 ( a ) Failure to reinvestigate disputed information FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion without proper certification Texas Finance Code 392.202 * * Failure to investigate and correct false information XXXX has falsely claimed in writing that they are " not obligated '' to validate the debt, which is a willful misrepresentation of their legal responsibilities. I have experienced financial harm, credit score damage, and emotional stress due to their continued reporting of unverified debt. My most recent * * Uqual credit report * * ( XX/XX/XXXX ) confirms this tradeline remains inaccurately reported.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting a formal complaint against XXXX XXXX, XXXX for multiple and ongoing violations of federal and state consumer protection laws. XXXX is reporting an alleged debt originating from XXXX XXXX in the amount of \ {$1200.00}. I have submitted formal debt validation requests starting in * * XX/XX/XXXX * *, along with multiple dispute filings to * * XXXX, Equifax, and XXXX, and over XXXX formal complaints to the CFPB * *. 

Despite these efforts, XXXX XXXX has refused to provide legally required documentation to validate the debt. They continue to report this alleged account on my credit file without producing : * A copy of the original signed agreement or contract * An itemized accounting of the debt * Proof of legal ownership or assignment from XXXX  XXXX * Documentation of charge-off status and activity dates This violates the following statutes : FDCPA 809 ( b ) Failure to provide debt validation upon written request FCRA 623 ( a ) ( 1 ) ( A ) Reporting incomplete or inaccurate information FCRA 611 ( a ) Failure to reinvestigate disputed information FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion without proper certification Texas Finance Code 392.202 * * Failure to investigate and correct false information XXXX has falsely claimed in writing that they are " not obligated '' to validate the debt, which is a willful misrepresentation of their legal responsibilities. I have experienced financial harm, credit score damage, and emotional stress due to their continued reporting of unverified debt. My most recent * * Uqual credit report * * ( XX/XX/XXXX ) confirms this tradeline remains inaccurately reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I opened an account with Citi Bank and they asked that I deposit funds into the new account. I transferred money from my external savings to the new checking. 

The next day, I sign into the Citi app to check the status of the transfer. Upon logging in I was immediately denied access and instructed to contact customer service. I did so and the agent prompted a PIN text sent to my phone along with the message " Citi will never ask for this PIN. '' The agent told me that I had been blocked because I was using the app on cell service and that wasn't possible for all customers. The agent said some customers quite literally could never access their banks over the app. 

That seemed incorrect so I requested to speak to someone higher up. She transferred me to a different agent and he verified that she was indeed correct and I wouldn't be able to use the app. That was inexcusable so I requested that my transfer be reversed and my account closed. The agent said that wasn't possible at this time because I had a pending transfer and the transfer itself was irreversible. He told me to call back when it went through. 

The next day the transfer is complete and I call Citi again. This agent is unable to grant me access to my account. The agent confirms that yes the others were correct and I would never be able to use the app. I request the transfer reversed to my savings and my account closed. The agent closes my account and informs me that a check for the funds would be sent in the mail. I expressed concern because there have been widespread cases of missing mail in my city due to workers at the XXXX facility stealing. The agent said there was nothing more she could do and that the call was over. I requested to speak to her supervisor and she informed me that she didn't have one, and there was nobody willing to speak to me regarding my account. 

I've emailed Citi because my XXXX phone calls have not gone well and were not in fluent XXXX. Citi CSRs have emailed me back stating concern about discussing my account over email and would like me to call their CSRs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-27 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: OH

Complaint narrative:
I was checking my credit report in preparation to purchase a vehicle and notice damages to my credit report according to the 15 U.S.C 1681 law there should not be any damages to my credit report, its an defamation to my character.

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 2025-07-27 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: OH

Complaint narrative:
I was checking my credit report in preparation to purchase a vehicle and notice damages to my credit report according to the 15 U.S.C 1681 law there should not be any damages to my credit report, its an defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Property was sold — 
Company: EZCORP, INC.
State: IN

Complaint narrative:
I made a timely online payment for a pawn loan on XX/XX/year>, and I received an electronic receipt confirming the transaction. Despite making payment, the item was pulled, and the store manager refused to reactivate the loan. I suspect that the item was no longer in inventory, and the payment was accepted after the item had already been removed. For approximately five weeks, there have been days when I have been blocked from making online payments, and Ive made the company and store aware of this situation. When I informed the store of this situation, I was told that it was my responsibility to ensure I could make online payments, and it was not their problem. Before this incident, my payment was blocked when I attempted to make a payment before the XXXX. The store manager has not contacted me directly, and no resolution has been offered. I am concerned about possible theft, breach of contract, and financial deception.

Company response to consumer: Closed with explanation