vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: NV

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
My Cash App account was suddenly closed without any prior warning, flag, or notification. I used it strictly for personal and family-related transfers ( never business or commercial activity ). After receiving the closure notice, I followed all appeal instructions, communicated through support chat, and answered all questions they askedincluding my usage, email, and account context. 

Despite this, Cash App denied my appeal using a generic message that did not explain what I supposedly did wrong. I was not shown what policy I allegedly violated. Worse, they closed the case even though I responded within the required timeframe and have screenshots to prove it. 

Im a XXXX veteran who uses this account to manage daily expenses and access funds from support systems. Their unexplained closure disrupted my access to personal money, including XXXXrelated appointments and family transfers. 

I am requesting a formal review, the specific reason for the closure, and the opportunity to reestablish my account if this was in error. 

I am open to resolving this respectfully, but I need a transparent and fair processwhich I have not been given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that I did not open or authorize. I have never had any dealings with this account, and I strongly believe it was created using my personal information without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Back in XXXX I had nearly a XXXX credit on my card. That came from an order I placed that required me having to pick my order up at XXXX XXXX XXXX. I went there twice and couldn't they couldn't find the order. After several other problems with XXXX  XXXX  I canceled the card. After 2 moths Im still waiting on a {$1700.00} refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX U.S.C XXXX section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/year> I was notified that my checking account at Truist Bank was blocked. I requested an explanation and the only response I received was that the bank is investigating possible fraud with incoming funds. I called the bank number and they said that the fraud department was handling the investigation and it could take up to XXXX  days to resolve. I was told that XXXX was handling the investigation and they don't take calls. Meanwhile, I can't get to my money in the bank and they won't even let me close the account. Note that all incoming funds had previously been cleared by the bank and XXXX large check ( {$52000.00} ) was held for XXXX business days and cleared. There are no other funds that are incoming to Truist Bank. The {$52000.00} check was a totally legitimate business transaction and it was even transferred to XXXX XXXX Bank where it was held there too for XXXX business days before being cleared. I went into the XXXX  branch and I was told they were locked out too and nothing can be done. I have since transferred by paycheck and XXXX XXXX check to XXXX XXXX Bank. I want an explanation as to why they are doing this to me and I really want to close the account with XXXX  and get my money out of the bank. I honestly do not understand why/how they can hold my funds for XXXX  days without giving me a proper explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: DISCOVER BANK
State: PA

Complaint narrative:
I am disputing a credit application that was submitted to Discover bank in XX/XX/XXXX for a secured credit card. According to my credit report, there was a hard inquiry made by discover bank at that time. 

I did not authorize or submit this application. I was incarcerated in federal prison from XX/XX/XXXX until XX/XX/XXXX, and I have official records to prove this. While incarcerated, I had no ability to access the internet, financial institutions, or apply for credit in any form. 

This is likely a case of fraud or unauthorized activity. I am asking discover bank to investigate this immediately and remove the credit inquiry and any account tied to this application from my credit report. 

I am including documentation of my incarceration as well as a copy of my credit report showing the inquiry. A similar fraudulent application also appears to have been submitted to Discover around the same time, which I am disputing with the appropriate agency. 

Please confirm that this will be investigated and that my credit report will be corrected. I am happy to provide any further documentation if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Credit acceptance gave me a car which was broken I put it in the shop for there wrong doing than got it repossessed because they didnt communicate. Now my credit has been messed up since

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$160000.00} 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 : 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 XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/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 2025-07-30 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.

Complaint narrative:
There are several inaccuracies on my credit report that needs attention

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/XXXX, My son and I purchased a car from XXXX  of XXXX in XXXX  XXXX. In XXXX of XXXX, I contacted XXXX about getting the registration and license plates we paid for in the loan. I was told everything was in the mail. I contacted them several times, but never got anywhere. I contacted Fifth Third bank in XXXX to see if they could put pressure on the dealership, but they said they didnt deal with that stuff. I contacted the dealer again and they stated you can still drive on the old temp tag, because we are responsible for the car ; they stated we are getting everything together with your registration, but need you to get a emissions yet. We sent that in. On XX/XX/XXXX the car was in an accident and the insurance company decided they were going to total it out. Insurance agent contacted Fifth Third bank to get a copy of the title or paper work on the vehicle to pay out. Fifth third bank didnt give the insurance agents anything. It wasnt until XX/XX/XXXX, we got the title for the vehicle and sent it in to the insurance company. The insurance company paid out, but back dated the payment to the date of accident. Then we contacted gap and warranty company and they both paid out in XXXX of XXXX, but back dated their payments to the date of the accident ( XXXX XXXX ). My son made payments in the vehicle until XXXX and made another payment XXXX of XXXX. Fifth Third bank have not backed dated any of the payments and continue to charge the same interest rate on the original loan amount. We talked to them once a week, asking for them to back dated the payments, so we can see actually what is owed on the loan. On XX/XX/XXXX we spoke with a XXXX in the resolutions department around XXXX and expressed our concerns. He also, requested another payment and threatened a charge off in XXXX days. We asked to speak with a supervisor and was told XXXX wasnt available. XXXX explained again, that since this was a simple interest loan and all the payments came in and the XXXX payments he made the loan should be paid in full or he should only owe a couple of XXXX dollars. He requested to speak with someone, who could go into the computer and back the all the payments and reset the interest rate off the amount that was owed in XX/XX/XXXX. He asked once they reset everything and tell him the balance, he will pay off the loan. XXXX stated he understood, but again kept saying the same thing and then came back and said, they will avoid charge off for now and get back with us about the amount owed. I really dont believe him, especially since he refuse to put a XXXX or XXXX  on the phone, when we requested it over XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a XXXX XXXX account under an XXXX XXXX XXXX XXXX XXXX  as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: NC

Complaint narrative:
Cashapp is doing a settlement. They temporarily denied me and told me to resubmit my info because I didnt have any attachments that supported my complaint. I did by the due date and still havent gotten a reply. The account in question is $ XXXX. Where an unauthorized transaction happened i disputed it and they temporarily credited it back to my account. But later put my account in the negative for it. Then when i won a cfpb complaint against meta this year for goods I bought but never received. The {$97.00} refunded from XXXX went to the negative balance. My attachments are the unauthorized charge of {$170.00}, the meta refund of {$97.00} from XX/XX/year>2025 that ended up getting credited to the negative balance that was unauthorized and a current account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Dispute of Charge-Off Account Reporting Capital One Financing Dear [ XXXX ] , I am writing to dispute the accuracy of a charge-off account listed on my credit report from Capital One Financing. According to my records and the information provided in my credit file, this account has been reported as charged off with a balance still owed. However, no IRS Form 1099-C was issued to me to indicate cancellation of debt.

Under the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate and complete. If the creditor has indeed canceled the debt ( as implied by the charge-off status ), they are required to issue a 1099-C. If no 1099-C was issued, then the debt has not been formally canceled and the reporting of the charge-off is inaccurat and misleading.

I am requesting that your agency investigate this account and : Verify the accuracy of the charge-off, including whether the creditor has forgiven the debt or still considers it collectible.

Provide documentation that supports the current reporting status.

Delete this account from my credit report if the creditor can not verify or validate the information.

Please complete this investigation within the 30 days as required by law and send me a written statement of the outcome.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX  - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation