vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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 to dispute the accuracy of certain information on my Equifax credit report. I have recently reviewed my report and discovered the following accounts, which I believe are fraudulent and were opened without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX 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 non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXXI am sending this request to have inaccurate or fraudulent accounts on my TransUnion, Experian, and Equifax credit reports investigated and removed in accordance with FCRA 605B, 607(b), 611, and 623(a)(8). These accounts appear to result from identity theft or unauthorized activity. Please block or delete the disputed items, ensure they are not reinserted without full verification, and provide written confirmation of the investigation results along with an updated copy of my credit report.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 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 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 2025-10-31 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:
XXXXI am sending this request to have inaccurate or fraudulent accounts on my TransUnion, Experian, and Equifax credit reports investigated and removed in accordance with FCRA 605B, 607(b), 611, and 623(a)(8). These accounts appear to result from identity theft or unauthorized activity. Please block or delete the disputed items, ensure they are not reinserted without full verification, and provide written confirmation of the investigation results along with an updated copy of my credit report.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 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 2025-10-31 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: AL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

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 2025-10-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This company name BANK OF AMERICA has my funds on hold saying there stuck and they can't disburse while using my funds and wiring them to another bank account. I've been victimized waiting on them to release my funds to me for a while now they have not. They keep saying it makes everyone sick if they release my funds to me. Im having a very hard time with this bank. I told them to release the funds and I will go to another bank sll she says is im using them and won't release the funds. I have a life to she never consider my life my bills or anything they just refuse to release my funds to me this an unlimited account I even told them that I was just going to withdraw some of the money and she said she would put the rest in a savings account. Im tired of waiting around it's a waste of time for me they won't let go. There just not paying any attention to me I need access to my funds she just gave me the account number by mouth that's all no documents are nothing. We are in court me and this branch at XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. The judge is at XXXX XXXX XXXX house judge XXXX near they haven't honored nothing the judge ask them to do he ask the over and over to release my account to me. My money just sitting there going in other people 's accounts. She gave me this account number yesterday mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I say she gave me the account number im speaking about the lady works in the executive office at bank of America when I say she. I think they need someone to help them give me access to my funds I don't think they have to much respect for the judge he been telling them to release my funds for a long time they have not yet. Im asking you for help can you release my funds to me I think they need help please thanks she changed my bank account number from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX savings account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
I am submitting this formal complaint regarding the reporting of inaccurate information on my consumer credit file, which has caused damage to my credit reputation and financial stability. The following address, accounts, and inquiries appear on my credit report without proper verification or authorization. I request an immediate investigation and correction pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment XXXX XXXX This account reflects an alleged late payment, yet the balance is reported as {$0.00} and the account was closed with no active delinquency. Reporting a late payment after the account was closed and paid in full is inaccurate and misleading. Under FCRA Section 602 ( A ) ( 1 ) and Section 607 ( b ), you are required to report only verified and complete data. The furnisher failed to validate this information as required under Section 623 ( a ) ( 1 ) ( A ), and continuing to report such errors misrepresents my creditworthiness. I demand deletion or correction. 

XXXX XXXX XX/XX/XXXX XXXX This inquiry was unauthorized. I never granted permissible purpose under FCRA Section 604 ( a ) ( 3 ) to XXXX Mortgage. Pulling or accessing my credit file without written consent or legitimate business need is a violation of federal law. This inquiry must be deleted immediately. 

Under FCRA 611 and 623, I am requesting a thorough reinvestigation of each item mentioned above, deletion of any unverifiable or inaccurate information, and confirmation in writing once corrections are completed. The continued reporting of such information after notice of dispute is a willful violation of federal law and subjects the responsible parties to liability under FCRA 616 and 617. 
I respectfully request that CFPB intervene to ensure compliance, accountability, and proper correction of these inaccurate and unauthorized entries that have caused me undue harm.

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 2025-10-31 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.

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 2025-10-31 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: GA

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
b'SoFi Bank allowed an unknown person calling themselves XXXX XXXX to add themselves to my bank account on XXXX. The perpetrator then fraudulently electronically transferred the following monies to a Wells Fargo bank account:\n  XXXX XXXX\n  XXXX XXXX\n  XXXX XXXX XXXX\n XXXX XXXX XXXX\n     Total       XXXX\n\nDespite repeated requests SoFi has refused to retore any funds to the extent allowed by the Electronic Funds Transfer Act. (Reg E - Consumer Protection Act). \n  \n\n I never received any email from SoFi bank about the addition of a XXXX XXXX on my SoFi bank account. While the investigator from SoFi "XXXX" was on my cell phone with me, I checked my active emails, spam emails and deleted emails and there were none from SoFi bank to me nor were there any pertaining to the perpetrators email: XXXX Note that the perpetrator\'s name provided by SoFi and the name in the email do not even match. I also asked the investigator to wait while I looked at my SoFi bank account to see if XXXX XXXX showed up in any profile on my bank account and he did not. I was the only one showing up on my bank profile. SoFi bank never tried to call me or text me at the phone number I had on my account. A cell phone that I had in my possession. I asked for the document that authorized XXXX XXXX to be on my account, but to date have never seen that document.\n\n\nI invited the SoFi investigators to look at my computer to see if they could determine if anyone had committed a cybercrime and accessed it to get to my SoFi bank account. My USAA bank account and business Bank of America bank account had not been breached - just the SoFi bank account. The SoFi investigators never looked at my computer even though I told them they could.\n\n\nOn XXXX, I notified SoFi and about the unauthorized electronic transfers and also call XXXX XXXX bank that same day to see if they could do anything at their end to stop the unauthorized transfers. Since it was not my XXXX XXXX bank account, they said that SoFi would have to contact them. SoFi bank did not contact Wells Fargo bank until XXXX  days after I had notified them. - way too late to realistically recover any funds fraudulently taken from my account. Also, note that XXXX more unauthorized electronic transfers were made even after I had notified SoFi bank. SoFi bank should have immediately froze my bank account when I contacted them on XXXX about unauthorized transfers.\n\nMy wife and I are in our XXXX  and so desperately need our savings restored to the extent allowed by the Electronic Funds Transfer Act. (Reg E - Consumer Protection Act).'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

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 2025-10-31 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: CA

Complaint narrative:
I was a victim of identity theft and have an engagement number from equifax regarding the data breach. I sent these documents to all three major agencies and NEVER received ANY communication in response, I sent the letters via certified mail.

I am referencing the codes and providing verified identity and relevant information regarding this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I was a victim of identity theft and have an engagement number from XXXX  regarding the data breach. I sent these documents to all three major agencies and NEVER received ANY communication in response, I sent the letters via certified mail.

I am referencing the codes and providing verified identity and relevant information regarding this issue.

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 2025-10-31 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: FL

Complaint narrative:
My name is XXXX 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 2025-10-31 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:
The credit bureaus are claiming to verify my disputed information, yet they are not providing any proof or documentation showing how the verification was conducted. Their responses appear to rely solely on automated data or the furnishers word, without obtaining original records or valid evidence. This practice does not meet the requirements of a reasonable investigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and results in inaccurate information remaining on my credit report. 


Experian states in a credit report below that they will keep the information on the account due to it already being disputed but failed to provide proof or documentation concerning the information as well as the inquiries. 

They have seen I have been a victim of identity theft with proof by both bureaus and still fail to investigate properly.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern, Subject : Notice of Impact from XXXX  Data Breach and Rights Under 15 U.S.C. 1681c2 I am writing to formally notify you that I, XXXX XXXX, was affected by the XXXX  data breach, which resulted in unauthorized exposure of my personal and financial information. Due to this breach, my identifying data has been compromised, placing me at risk of identity theft and other fraudulent use of my information.

Pursuant to 15 U.S.C. 1681c2 of the Fair Credit Reporting Act, I am asserting my right to block and remove from my credit report any information that may result from identity theft or fraudulent activity involving my personal data. I am requesting that XXXX  and all relevant parties take immediate steps to : Investigate and secure my credit file against unauthorized access or use. 

Remove or block any inaccurate, fraudulent, or unauthorized entries resulting from the breach. 

Provide written confirmation of the actions taken to protect my account and confirm that my rights under the Fair Credit Reporting Act are being upheld. 

List : XXXX XXXXXXXX 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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX of XXXX  I was approved for credit card for XXXX through Chase. I have never missed a payment. This year in XXXX I was unjustly reported as late 60 days ( XXXX and XXXX ). I contacted Chase and they agreed I had made payments but told me I did not meet their minimum standards for payments and refused to work with me. They not only refused to work with me they closed my account. They have since continued to charge me interest. As a result my credit has been affected significantly. XXXX XXXX  closed all of my accounts and this is hindering my ability to purchase a home. I was never delinquent on any of my accounts and this has caused me great distress.

This is not only unjust but it is inaccurate and I find it highly discriminatory to close my credit based on these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
I am submitting this third and urgent follow-up regarding inaccurate late payment reporting on my credit report, which remains unresolved despite my prior submissions. Specifically, my XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$440.00} and my XXXXXXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with a {$0.00} balance are being reported as having late payments as of XX/XX/2025. These notations are false and inaccurate, as all payments were made on time and both accounts are current.

623 ( a ) ( 1 ) ( A ) : Furnishers of information are required to provide accurate information to consumer reporting agencies.

611 ( a ) ( 1 ) ( A ) : CRAs must investigate and verify any disputed information.

607 ( b ) : Consumers have the right to dispute incomplete or inaccurate information, and the CRA must conduct a reasonable investigation.

609 ( a ) ( 1 ) : Consumers are entitled to full disclosure of all information in their credit file, including the sources and dates of the reported information.

611 ( a ) ( 5 ) ( A ) : If the investigation determines the information is inaccurate or can not be verified, the CRA must promptly delete or correct it and notify the consumer in writing. 
The continued reporting of these inaccurate late payments violates my rights, negatively impacts my credit score, and is causing ongoing financial harm.

Company response to consumer: Closed with explanation