vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The following debt XXXX XXXX must be removed per Federal Law sinIce it is related to the CFPB Regulation V XXXX XXXX XXXX. I was an authorized user on a XXXX XXXX account which is now closed and is reporting negatively on my account. It now has negative information on it even though it is being paid as agreed.This is my Mother 's account. I did not authorize any language to be added to my Consumer Report. LAW 25 US SODE 6802 STATES NO FINANCIAL INSTITUTION CAN SHARE MY NON PUBLIC INFORMATION WITH A THIRD PARTY ENTITY. ACCORDING TO FCRA SECTION 605 IT IS ILLEGAL TO PUT ANYTHING ON MY CONSUMER REPORT WITHOUT MY WRITTEN PERMISSION. PLEASE REMOVE THIS NEGATIVE, FRAUDULENT ITEM FROM MY CONSUMER REPORTS IMMEDIATELY. Thank you!

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 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Using cash app, a friend sent {$510.00} on XXXX XXXX XXXXXXXX. I deposited the money into my account the same day, paid a fee to express but the money was never added to my account. And cash app is refusing to help get the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I was unfairly charged multiple overdraft fees by my bank, even though I had overdraft protection and deposited funds within the required grace period. 
Specifically, on XX/XX/30, I made purchases that day. According to the banks Peace of Mind overdraft protection, I had until the following Monday at XXXXXXXX XXXX  to bring my account current. I deposited funds in time. 
However, the bank still charged me overdraft fees on XX/XX/30 for those same-day charges even though those charges did not actually post until XXXX. 
To make matters worse, the overdraft fees themselves caused my account to actually fall further into overdraft, and I was charged two additional overdraft fees.

I called the bank and explained the situation, but my request for a reversal was denied. I believe this is a deceptive and harmful banking practice especially since I relied on their stated policy and acted within the allowed time frame. Additionally, a refund from a merchant appeared as a pending credit on my account, temporarily increasing my available balance. 
However, the pending refund fell off ( disappeared ), and I was subsequently charged an overdraft fee. The bank did not provide a clear explanation. 
I was charged for overdrafts on pending charges since the overdraft fee was stated on XX/XX/30 yet the charges didnt post until XXXX. Including that I made a deposit. I believe this fee is unfair, especially since pending transactions can change and the timing is not under my control. Charging overdraft fees before a transaction is fully processed misleads consumers and creates unnecessary financial hardship. 
I am requesting a full refund of all overdraft fees related to this situation ( {$170.00} ) I would also like the CFPB to review this banks overdraft practices, particularly with respect to grace period protections that are not being honored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
In disputing transactions every time I complaint would go to cfpb within a few hours it would cancel the dispute now I notified them of the police report number notify them that my information was stolen now they're going to close out my account if I can not verify my identity I submitted the receipt to them via email and uploaded it to them where I applied for the new ID and I'm having to wait dispute so not all the disputes are given the XXXX deadline They allowed a transaction to be processed that does not match the name on my debit card They're doing this ID verification for a dispute no they can complete the dispute because they allowed it to to go through when it does not match the name on mine debit card So I'mma submit a photo of my ID that I had on my phone while I wait for the you want to come in the mail I've submitted to them via email already or the upload of pictures so they know I'm currently waiting for my ID there's a backlog because of the real ID mandate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: NC

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX INQUIRIES : XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/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 2025-06-14 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I disputed this rental collection with the collector by email in XX/XX/year> and requested full validation under the FDCPA. They never responded or provided any proof of the debt. Despite that, they reported the debt to the credit bureaus in XXXX XXXX. That was able to be disputed through XXXX XXXX and was approved and deleted. Now, in XX/XX/year>, a new letter was sent, and although the issue had already been investigated and resolved by two credit bureaus, I submitted another dispute within the 30-day timeframe and again requested verification. Despite this, they reported it to a different bureau, causing my FICO score to drop over XXXX points.This is a violation of the Fair Debt Collection Practices Act, which requires validation before reporting. The original balance was around {$14000.00}, and the most recent letter reduced the balance slightly to about {$13000.00} without any explanation or documentation. This is now my third attempt to dispute the debt, and it continues to be reported without proper verification. I am requesting that this collection be deleted from all credit bureaus due to illegal and unverified reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX, my son sent me money through Cash app. They suspended my account and froze the money. I have contacted them numerous times. I tried chat and phone and have got no response. They keep telling me they will email me and I have gotten no emails.My money is in limbo. Its almost {$700.00}. They are still saying they will get back with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
I disputed a collection account with XXXX  that was reported by The CBE Group , Inc . The account was added or updated during XX/XX/year>, shortly after I filed my dispute. This caused my credit score to drop.

When the account first appeared, CBE Group falsely listed themselves as the original creditor. A few
days later, they updated it to say XXXX XXXX was the original creditor instead but no documentation or verification was ever provided to prove this debt is mine.

XXXX  accepted this conflicting and unverified information without conducting a proper investigation, which violates the Fair Credit Reporting Act ( FCRA ).

I requested proof of the debt and the right to collect or report it. None was provided.

I am asking the CFPB to hold XXXX  accountable for reporting inaccurate and unverifiable information and to have this account removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Tx XXXX XXXX XXXX Equifax XXXX XXXX XXXXXXXX, XXXX, GA XXXX. 

RE : Formal Request for Removal of Unauthorized Credit Inquiries Under 15 U.S. Code 1681b and 1681n To Whom It May Concern, I am writing to formally dispute certain inquiries that appear on my credit report issued by your agency. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, consumer reporting agencies are permitted to furnish a consumer report only under certain permissible purposes. 

Upon review of my credit report, I have identified one or more inquiries for which I did not authorize or initiate a credit transaction, nor did I grant permission for these entities to access my credit file. These inquiries were made without a permissible purpose as defined by 15 U.S. Code 1681b. As such, their presence on my report is a violation of federal law.

Furthermore, under 15 U.S. Code 1681n, any person or entity that willfully obtains a consumer report under false pretenses or knowingly without a permissible purpose is liable for damages. This statute provides for civil liability against entities that violate a consumers rights under the FCRA, including actual damages, statutory damages, punitive damages, and attorneys fees. 

Therefore, I am requesting the immediate removal of the following unauthorized inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request that your office investigate this matter and provide me with written confirmation of the results of your investigation, as well as an updated copy of my credit report reflecting the removal of the disputed inquiries. 

If the inquirers claim to have had permissible purpose, I request documentation of the authorization I allegedly provided. If such documentation can not be provided, these inquiries must be removed in accordance with federal law. 

Please consider this a formal dispute under the FCRA. You are obligated to complete your investigation within 30 days of receiving this notice, as per 15 U.S. Code 1681i. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX [ Social Security Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
I am formally disputing inaccuracies reported by XXXX on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. I respectfully request the removal of this account from all three credit bureaus due to inconsistent and incorrect reporting, which violates my rights as a consumer.

The following discrepancies were found in the account : 1. * * Equifax * * lists the account as charged off but also shows a last payment made on XX/XX/XXXX, with no update to status. This inconsistency violates accurate reporting requirements.

2. * * TransUnion * * reports multiple months as " CO '' ( Charge Off ), yet also lists the account as still having an outstanding balance and updates as recently as XX/XX/XXXX, which is misleading.

3. * * Experian * * shows late payment codes of 60, 90, 120, and 180 days throughout XXXX, yet also reports a payment on XX/XX/XXXX. If the account is charged off, it should not reflect post-charge-off payments without clearly updating account status.

According to 15 U.S.C. 1681i, the credit reporting agencies must reinvestigate any disputed information and delete inaccurate, unverifiable, or outdated data. Additionally, continued reporting of inconsistent or false information may be a violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 
I am requesting the removal of this XXXX account from all three credit bureaus due to the conflicting information which may adversely affect my creditworthiness.

Company response to consumer: Closed with non-monetary relief