vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal within 4 days : 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 NY XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$3200.00}

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 2025-06-04 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: EQUIFAX, INC.
State: KY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear Transunion, I am writing to you to request the removal of outdated and inaccurate address information from my credit report. Below are the details of the address I would like to be removed : XXXX XXXX XXXX XXXX XXXX, PA XXXX I believe this address is no longer relevant to my credit history and may be impacting my credit report negatively. Please review this information and remove the address on file. 

For verification, I have provided supporting documents, such as proof of address. See attached document. 

Thank you for your attention to this matter. Please confirm once requested updates have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year>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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: MA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Rausch Sturm LLP
State: MA

Complaint narrative:
My name is XXXX XXXX. I received a letter from XXXX XXXX XXXX regarding a debt, and the letter explained that I may not have to pay the full balance if my income is below {$750.00} per week. I have been trying to contact them by phone to provide documents that prove my income, but I was on hold for over an hour and transferred multiple times without any help. I am not refusing to pay I just want to send the paperwork they requested and understand what options I qualify for. However, the lack of communication is preventing me from resolving this matter. I am feeling overwhelmed and frustrated, and I need assistance.

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 2025-06-04 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: VA

Complaint narrative:
Between XXXX XXXX, 2025, I was XXXX  and XXXX XXXX  under a XXXX XXXX XXXX ( XXXX ) and held in XXXX XXXX XXXX During this time, I had no access to my phone or ability to monitor financial activity. On XX/XX/XXXX just XXXX days before I was XXXX  XXXX major unauthorized transactions were processed through my Cash App account : a XXXX purchase and a {$1900.00} withdrawal. These transactions occurred without my knowledge or consent. 

Shortly afterward, while I was still incapacitated, my mother attempted to verify her own Cash App account using my phone, as she needed technical assistance. She submitted a legitimate selfie, but her verification was denied and her account was blocked. Cash App later cited this attempt incorrectly as an issue involving a selfie taken by someone else, despite it being her own photo. This incident was unrelated to my account but contributed to a broader pattern of account restriction and false assumptions about identity misuse. 

Once I was XXXX  and learned of the unauthorized transactions, I submitted a formal dispute. Despite providing full details, screenshots, and medical context, Cash App denied my claim, stating the transactions were either authorized by me or someone I allowed to use my credentials. This is categorically false. I was legally restrained and unable to approve, monitor, or reverse any activity. 

Furthermore, Cash App failed to provide basic investigative transparency. I repeatedly requested IP address logs, device access history, and support records, but none were provided. The company closed my case while ignoring key contextual evidence and refusing to acknowledge my legal and medical status at the time of the transactions. 

This pattern denying my claims, blocking family member access, and refusing to release supporting documentation indicates both procedural negligence and possible institutional suppression. I have submitted related complaints to XXXX and intend to escalate this to the XXXX XXXX XXXX  ( XXXX  ) if left unresolved. 

I am requesting the CFPB investigate this incident as a case of financial exploitation during medical incapacitation and compel Cash App to : XXXX. Reopen my dispute claim and conduct a transparent review. 
XXXX. Provide access logs and internal investigation materials. 
XXXX. Issue a full refund for the {$1900.00} XXXX  withdrawal and related unauthorized activity. 
XXXX. Clarify and correct the record of my support history and denial. 

I have attached a ZIP folder titled XXXX containing full documentation, screenshots, support emails, medical context, and timeline evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MS

Complaint narrative:
Cash App Regulation E Investigation Violations Subject : Cash App 's Failure to Conduct Proper Investigation Under Regulation E Complaint Details : Following my previous CFPB complaint about an unauthorized {$400.00} transaction, Cash App promised to conduct a proper investigation through manager XXXX. However, their investigation process reveals systematic violations of Regulation E requirements. 
Account Information : Cash App Tag : XXXX XXXXXXXX Email : XXXX Phone : XXXX Original Case Numbers : # XXXX, # XXXX, # XXXX Investigation Failures : Cash App 's investigation completely ignored critical evidence I provided : Unauthorized Card Evidence : I provided clear documentation that an unknown card ending in XXXX was linked to my Cash App account and then quickly unlinked without my authorization. I own no cards ending in XXXX. This is direct proof of unauthorized access. 
Coordinated Attack Evidence : During the same timeframe ( late XXXX XXXXXX/XX/year> ), I had documented security breaches across multiple platforms : XXXX account confirmed hacked by XXXX XXXX  XXXX Case # XXXX ) XXXX  account confirmed compromised by XXXX  XXXX  Multiple critical security threats detected on my devices Regulation E Violations : Under Regulation E ( 12 CFR 1005.11 ), financial institutions must conduct thorough investigations of unauthorized transaction claims and consider ALL evidence provided by consumers. Cash App 's investigation : Failed to address the unauthorized card activity visible in their own system Ignored the pattern of coordinated security breaches Provided no explanation for how the unknown card was linked to my account Denied the claim without addressing the most compelling evidence Pattern of Avoidance : When I questioned their inadequate investigation and demanded answers about the unauthorized card evidence, Cash App attempted to close all communication channels rather than address these legitimate concerns. 
Requested Resolution : CFPB investigation into Cash App 's investigation practices under Regulation E Requirement that Cash App conduct a proper investigation addressing ALL evidence Full refund of the {$400.00} unauthorized transaction Review of Cash App 's compliance with Regulation E investigation requirements This appears to be a systematic failure to properly investigate unauthorized transaction claims as required by federal law. 
Evidence : I have email documentation of the entire investigation process, including Cash App 's failure to address key evidence and their attempt to shut down communication when challenged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
Please be advised that due to a data breach, fraudulent accounts now appear under my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts InquirieXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-04 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: CA

Complaint narrative:
Please be advised that due to a data breach, fraudulent accounts now appear under my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts InquirieXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-04 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: AL

Complaint narrative:
Because of a recent data breach, my credit file has been compromised by unauthorized accounts. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date XXXX XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX 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 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/year> To : XXXX  XXXX XXXX XXXX XXXX, TX XXXX RE : Formal Debt Validation Request under 15 USC 1692g & Dispute Under FCRA 611 ( 15 USC 1681i ) Accounts/Reference Number : JEFFERSON CAPITAL SYSTEMS Account Number : XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX To Whom It May Concern, This letter is sent in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Pursuant to 15 U.S. Code 1692g and 15 U.S. Code 1692c ( c ), I am requesting full validation of the alleged debt you claim I owe. This communication also serves as a formal dispute of the accuracy of the information being reported to the credit bureaus in violation of FCRA 611 ( 15 USC 1681i ).

I do not acknowledge this debt and request that you immediately cease all collection activity until the following is provided : Original creditors name and address A complete account history, including all debits and credits, charge-offs, and payments made Proof of assignment or ownership of the alleged debt, including the chain of custody if the debt was sold A copy of the original signed contract or agreement with my signature A breakdown of how the amount claimed was calculated A copy of your debt collectors license in my state ( if applicable ) Until the above documents are provided, you are not legally permitted to continue collection efforts or report this account to any credit reporting agencies, pursuant to 15 USC 1692g ( b ) and 1692e ( 8 ). 

Furthermore, your failure to validate the debt and yet continue to report to the credit bureaus may constitute a violation of the FCRA and the CFPBs regulations against unfair or deceptive practices. I am preparing a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) to report this issue.

If the alleged account remains unvalidated or inaccurate, I am requesting that you : Cease all collection activity immediately Delete the tradeline from credit reporting agency XXXX  Send me written confirmation of the accounts removal Please note that under 15 USC 1692c ( c ), I request that you cease any further communication with me except for providing proper debt validation as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
My credit file now contains fraudulent accounts due to a major data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting blocking and deletion within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$13000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$6400.00} XXXX XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$00.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$00.00}

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 2025-06-04 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: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
I paid off my auto loan in full on XX/XX/year>, and immediately notified Santander on XX/XX/year>, requesting expedited processing of the title release, as I am preparing to XXXX  relocate to XXXX. The representative I spoke with acknowledged the urgency of my situation and confirmed that the title would be processed accordingly. I was assured that the title would be sent via XXXX Priority Overnight to my address, with delivery scheduled for XX/XX/year>. Despite these assurances, I have yet to receive the title or any credible update regarding its status or tracking ID. 

To date, I have not received the vehicle title, and each time I contact Santander, I am given inconsistent and conflicting information by different representatives. Most recently, I was informed by an agent that it may take an additional 15 to 30 days to process the requestdespite earlier assurances of expedited handling and a confirmed delivery date.

I have made several follow-ups, but Santander agents have consistently failed to provide clear or accurate status updates. This delay is now severely impacting me, as I am leaving the XXXX XXXX  due to XXXX  XXXX  and need the title to complete the transportation procedure of my vehicle. The lack of accountability and transparency is unacceptable, especially from a bank.

Company response to consumer: Closed with explanation