vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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: OH

Complaint narrative:
My phone was stolen and in the process my money was able to be stolen out my cash app account the amounts of XXXX dollars and XXXX dollars was fraudulently sent to someone's cash app by the name XXXX XXXX I reached out to cash app and told them that my phone was stolen and even sent over the police report and all the information that they needed and they still denied my dispute I then appealed the denial and was told by cash app that I would be refunded within XXXX days after the XXXXdays was up I was informed that I would not be getting a refund after I was already told that I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Loan officers at XXXX told me that my loans would be placed on pause/deferment. 

Based on their assurances, I reasonably believed no payments were required during the affected months. 

The servicer failed to process the pause correctly. 

I was never notified by email, text, or phone that my accounts were considered late. 

Instead, late payments were reported, damaging my credit history. 

This is not consumer negligence it is the result of servicer error and lack of communication. 

Why this violates the law : Under FCRA 607 ( b ), credit bureaus must ensure maximum possible accuracy.

Under FCRA 611, they must conduct a reasonable reinvestigation. After multiple disputes, they continue to verify inaccurate information without providing proof. 

The servicer has failed to provide proper documentation or verification of these alleged late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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:
A few weeks ago, I submitted dispute letters directly to all XXXX credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Fraudulent charge and target responded XX/XX/year> and XX/XX/year> but charge is still there and no notification of decision Original charge XXXX Police report with XXXX Police Department XXXX XXXX notified on XXXX XXXX  statement Phone call XX/XX/year> from 3 to XXXX XXXX I was told it was being investigated and charge would be removed from bill and was not. 
All correspondence has been sent by certified mail Company is TARGET CIRCLE CARD

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-29 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: AZ

Complaint narrative:
Category : Money transfer / Money service Company : Western Union Issue : Money was taken before verifying transaction ; transfer was canceled, leaving recipient stranded XXXX XXXX What happened Western Union accepted my money for an online money transfer to my friend in XXXX. The transaction was fully approved on their website and I received confirmation. 

My friend took a cab to the designated XXXX pickup location. When she arrived, Western Union canceled the transaction without warning, even though they had already taken my money and confirmed the transfer. 

Because Western Union canceled after accepting payment, the recipient had no cash to pay the cab driver. She was forced to surrender her laptop computer to the driver as collateral. This would never have happened if Western Union verified the transaction before taking my funds. 

Western Union then issued a refund instead of completing the transfer, but the damage was already done. Their system regularly cancels transactions after recipients are already en route, and they provide no notice or warning before doing so. 

Why this is a violation Western Union took money for a service, then canceled after the recipient traveled to pick it up. This is functionally : taking advance payment without the ability or intent to deliver the service canceling after funds were already accepted leaving the recipient in a financially dangerous situation imposing risk and loss on both sender and recipient No legitimate business in the United States is allowed to take payment first and only afterward decide whether it will honor the transaction. 

The cancellation created a real, immediate, financial harm, including loss of property ( recipients laptop placed as surety ) and transportation costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: CA

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-29 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: GA

Complaint narrative:
I HAVE BEEN RECENTLY INSTRUCTED BY EQUIFAX CUSTOMER SUPPORT TO OPEN A CFPB COMPLAINT. I HAVE ALREADY DONE THIS IN THE PAST AND CFPB CLOSED THE COMPLAINT AFTER EQUIFAX REPLIED SAYING THEY ALREADY LOOKED INTO THE DISPUTE AND THE RESULTS WERE VERIFIED. THIS WAS INCORRECT. I FILED XXXX  ( XXXX XX/XX/year> ) AND THE COMPANY XXXX XXXX XXXX XXXXXXXX HAS REFUSED TO ACKNOWLEDGE IT. THEY HAVE REPORTED A LATE PAYMENT AND CHARGED OFF THE ACCOUNT AFTER I FILED XXXX. For some reason my bankruptcy does not show under the public records area on my report but an actual search of public records clearly shows my bankruptcy that included XXXX XXXX XXXX XXXX services. I have the petition that was filed as well as the discharge letter and any other court documents that may be needed. I have been trying for several months to get this resolved and no one is doing anything. I continue to be ignored. Equifax will not allow me to dispute this anymore and I have received letters stating they will not look into this because they have already concluded prior dispute requests. This is a blatantly illegal mistake that should be corrected. When I call equifax everyone I have spoken to has agreed with me and told me to try and submit a dispute again or open a case with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,

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 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/year>, my PayPal account was charged {$170.00} by XXXX XXXX XXXX for a transaction I did not authorize. This was a fraudulent, unauthorized use of my payment credentials. PayPal initially denied my request for a refund citing my existing billing agreement in place at the time between myself and the merchant ( XXXX ). No such billing agreement exists anymore. 
XXXX XXXX XXXX XXXX XXXX : XXXX. I immediately reported the transaction to PayPal 's Resolution Center as unauthorized activity Claim/Case ID : XXXX XXXX XXXX I also contacted XXXX XXXX ( the merchant ). XXXX confirmed in writing ( Date : Tuesday XX/XX/year> ) that the {$170.00} charge IS NOT associated with my personal Apple ID. This confirmation proves that the transaction was initiated by a third party using compromised payment information. 

XXXX. The existence of a valid billing agreement between my PayPal account and XXXX does not negate unauthorized third-party use of my payment credentials. The merchant itself ( XXXX ) has confirmed that the purchase was not from the authorized consumer ( me ), but from a fraudulent, separate account. PayPal 's refusal to reverse the chargedespite this direct proof from the merchantdemonstrates a systemic failure to protect consumers from fraud. 

PayPal 's Failure to Investigate : PayPal initially denied my fraud claim, failing to conduct a reasonable investigation. 
I submitted a formal appeal, attaching the written confirmation/screenshot from XXXX that the charge was external to my account, which constitutes direct, compelling evidence of fraud. 
Despite this conclusive evidence from the merchant confirming the transaction was not linked to my account, PayPal denied the appeal. 

PayPal has failed to fulfill its obligation to investigate and protect the consumer from unauthorized charges, as evidenced by its refusal to reverse the charge even after receiving direct merchant confirmation that the transaction was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
These debt collectors have engaged in abusive, deceptive, and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they failed to follow the legally required five-step debt validation process, denying me my right to proper notice and verification, which constitutes an unfair and unlawful practice. Under the FDCPA, I am entitled to up to {$1000.00} per violation, and these actions represent clear violations of my consumer rights.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
These debt collectors have engaged in abusive, deceptive, and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they failed to follow the legally required five-step debt validation process, denying me my right to proper notice and verification, which constitutes an unfair and unlawful practice. Under the FDCPA, I am entitled to up to {$1000.00} per violation, and these actions represent clear violations of my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: TN

Complaint narrative:
I am submitting this complaint because TransUnion refused to process my valid written dispute, even though it was submitted directly by me with full verification. 

Summary of the Issue On XX/XX/year>, I mailed a complete dispute package to TransUnion that included : A detailed dispute letter referencing inaccurate, incomplete, and unverifiable accounts A copy of my Tennessee Drivers License My current address My personal identifying information My signature Despite receiving full documentation, TransUnion sent me a postcard on XX/XX/year> stating that the dispute did not appear to come from me. This is false. 

The detailed dispute letter I sent includes disputes of multiple accounts, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others listed in the original dispute packet TransUnions refusal to investigate violates the Fair Credit Reporting Act. 

FCRA Violations Include : FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct reinvestigation FCRA 611 ( a ) ( 2 ) Failure to forward disputes to furnishers FCRA 609 ( a ) ( 1 ) Failure to provide verification FCRA 607 ( b ) Failure to maintain maximum possible accuracy XXXX v. TransUnion Reinforces duty to reasonably reinvestigate Requested CFPB Action I am requesting assistance from the CFPB to compel TransUnion to : Process my original dispute without further delay Conduct a full reinvestigation of every disputed item Delete any account that can not be verified Provide complete verification documentation Explain why they incorrectly claimed my dispute was not submitted by me Update my credit report and provide me a new copy at no charge Their refusal to accept my dispute has delayed corrections and caused harm to my creditworthiness.

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 2025-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: MA

Complaint narrative:
Theyve called 3 times a week and when I answer someone starts pressing buttons, so Im unable to ask my questions. When I call the number back, the person on the other end hangs up on me.

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 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX ( formerly XXXX  ) attempted to debit my Cash App card multiple times per day, often using different dollar amounts, even after my card declined and even after I told them I could not make a payment. These attempts continued for weeks without my authorization. 

They changed their business name from XXXX to XXXX without notifying me or giving me new paperwork, yet continued trying to charge my card under the new name. 

They also made false legal threats by claiming felony charges were filed against me, which was not true. The company used these threats to pressure me for payment and continued attempting to charge my card despite my inability to pay and without proper authorization. 

These repeated debit attempts feel abusive, harassing, and deceptive. I am requesting that these unauthorized attempts stop, and that the CFPB investigate the companys debit practices and communication behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: CA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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