vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I was interested in a computer part to purchase and they told me to buy it from them through Cash App. I XXXX dollars to two separate accounts of theirs. They never shipped it out and I ended up trying to refund both payments. I also contacted support which said all you could do is ask for a refund. Obviously they just declined it and kept the money. I sent the first amount {$260.00} on XX/XX/year> at XXXXXXXX XXXX. I sent the second amount at XXXX XXXX on the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I 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 2025-10-02 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:
I am submitting this formal complaint regarding multiple serious inaccuracies on my credit report. These include incorrect addresses, charge-offs and collections that I do not recognize, falsely reported late payments, and unauthorized credit inquiries. These errors have caused me significant stress, potential financial harm, and misrepresentation of my credit history. I request an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ) Incorrect Addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX I have never resided at this location. This address is incorrectly linked to my credit report and could potentially be related to another individuals activity. Its inclusion is misleading and could be used incorrectly in any background check or credit evaluation. I demand its immediate removal Late Payment Accounts ( Incorrect Reporting ) : XXXX XXXXXXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX I have always made payments on time. Reporting a late payment is false and misrepresents my financial responsibility. This error can negatively affect my ability to secure credit, loans, or employment in the future. I request immediate correction of this account to reflect accurate payment history XXXX XXXXXXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX The reported late payment is inaccurate. I have never missed a payment on this account. This error undermines my credibility as a responsible borrower and must be corrected to ensure my credit history is accurate XXXX XXXXXXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX This account is also incorrectly reported as having late payments. I dispute this claim, as all payments were made timely. The false reporting could negatively impact my interest rates, loan approvals, and financial reputation. Immediate correction is required Unauthorized/Erroneous Inquiries : XXXX XXXX XXXX XX/XX/XXXX This inquiry was made without my consent or application. It is unauthorized and violates my rights under FCRA These inaccurate reports, false late payments, unverified collections, wrong addresses, and unauthorized inquiries have caused me distress, misrepresentation, and potential financial harm. I request CFPB intervention to ensure these items are corrected or removed promptly and that all reporting agencies comply with federal law Please confirm receipt of this complaint and provide updates regarding the investigation and resolution of these issues

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 2025-10-02 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: GA

Complaint narrative:
I am filling to dispute inaccurate and misleading information that is currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I have the right to fair and accurate credit reporting. The following accounts are being reported inaccurately. The following accounts contain errors that must be corrected immediately : XXXX XXXX XXXX Balance : {$23000.00} Date Opened : XX/XX/year> Payment Status : Late XXXX  Days XXXX XXXX Balance {$0.00} Date Opened : XX/XX/year> Payment Status : Current XXXX XXXX XXXX Balance {$0.00} Date XXXX Payment Status : Current

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I recently travelled to XXXX XXXX. 
My card was fraudulently used to make 2 purchases. 

One purchase was shows up as XXXX XXXX XXXX XXXX and the total was {$1800.00} A second purchase shows up as XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the total was {$1700.00} Both of these transactions posted on XX/XX/XXXX. 

Capital One told me these transactions happened at XXXX XXXX and XXXX XXXX. 

I did not loose my card. I went in to a few supermarkets and made very small purchases but never made these large purchases. 

They are trying to tell me that these purchases were legitimate and were made with my physical card. I am 100 % percent positive that I did not make these purchases. 

They told me to contact the merchant. 
There are not merchants in this town by the name of either one of these companies. 

When I tried to contact these merchants they both said they dont speak English and to message them on XXXX. 

I sent messages to both of these companies asking for information regarding a credit card transaction. I received automated messages that were identical from both of these companies and was not given any information regarding the fraudulent transactions. 

This is clearly a scam. I am guessing that my card information must have been copied and used by one of the supermarkets that I used the credit card at. 

Capital One is basically telling me that these are legitimate purchases and were made with my physical card and that there isnt anything they can do unless the merchant acknowledges the fraudulent charges in writing. 

These merchants are obviously fake and wont give me any information. I am at a stand still with both Capital One as well as trying to contact the merchants for information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-02 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:
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX Account Number : XXXX Please remove it from my credit report.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Payments sent on account and applied to wrong account account was paid off last payment reported 30 days late. I disputed this delivery confirmation certified mail. Its been more than 30 days with no response. The credit bureau claims they never received it but yet I have tracking. This problem only exists with Experian. The other credit bureaus have updated.

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 2025-10-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have requested twice through email to negotiate paying off the debt at a lesser amount. The company has ignored my emails without any response

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 2025-10-02 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: MD

Complaint narrative:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
My mother passed away in XX/XX/year> after suffering from an unknown illness for several years. While cleaning out her house after her passing I found a billfold full of over ten credit cards taken out in my name without my knowledge or consent. My guess would be that the mounting medical bills forced her into a continuous hole of debt as she was able to work less and less. She was probably hoping she could eventually get these paid off before I would notice or impact me in any serious way. Unfortunately she was never able to recover and has now left behind a financial mess. In early XXXX I began calling the list of credit cards to report the fraud situation. All gave the same general answer that they would begin an investigation and get back to me within 30-60 days. So far several have been very understanding while a handful have not. One of the companies denying the fraud is Wells Fargo who responded on XX/XX/XXXX, telling me no fraud was found and that I must pay the full amount of {$4700.00}.

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 explanation
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
See the attached documents. 

This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries 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 2025-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL

Complaint narrative:
On XX/XX/year>, my vehicle was repossessed. I was informed that if I paid {$1300.00} by XX/XX/year>, my vehicle would be released, and proof of payment would be sent to the repossession company within 24 hours, allowing me to retrieve my car that same day.On XX/XX/year> at XXXX I had the payment of {$1300.00} to get my car back. My account is in good standing out of recovery however Nissan will not send proof of payment to repossession company so I can get my car back. Today is XX/XX/year> they have still not sent proof. Will not answer my calls, leaves me on hold for hours at a time, hung up on me today. Ive repeatedly asked to speak to a supervisor to which Im denied. Ive asked for a email address, mailing address, and fax number to send in a demand letter to which XXXX denied. On Friday XX/XX/year> my car will be sent to a auction yard to which Ill be required to pay even more to get it back even though I'm now in good standing because they refuse to send in proof of payment. Ive called everyday since Thursday XX/XX/year>. To which I get no response. I have emailed a demand letter to two different email addresses hoping to get a response.I have even went down to my local Nissan dealership to try and get this resolved however they stated they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Signed for a car for someone and credit got messed up

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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
FTC Identity Theft Affidavit Statement I am filing this FTC Identity Theft Affidavit to report fraudulent accounts, inquiries, and collections that appear on my consumer FICO credit report. These accounts were opened without my knowledge, authorization, or consent and are the result of identity theft and fraud. 

The fraudulent accounts include the following : Credit Card AccountXXXX 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 XXXXXX/XX/XXXX Account No. XXXX These fraudulent accounts have further resulted in multiple unauthorized hard inquiries and fraudulent collections being reported on my consumer XXXX credit reports.

I declare that I did not open, authorize, or benefit from any of these accounts, loans, inquiries, or public records. I am a victim of identity theft.

Request for Relief : Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand that : 1. All of the above-listed fraudulent accounts, inquiries, collections, and public records be immediately removed from my credit reports with all consumer reporting agencies.

2. All collection activity, reporting, and negative credit reporting related to these fraudulent items cease immediately.

3. Written confirmation be provided to me once these fraudulent items have been deleted from my credit files.

I certify under penalty of perjury that the statements made herein are true and correct to the best of my knowledge.

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 2025-10-02 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: MO

Complaint narrative:
The account is closed and paid, but inaccurate late payment marks are still shown.

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 2025-10-02 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am demanding that you reinvestigate and permanently delete these accounts and inquiries within XXXX business days of receipt of this notice. 
Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas Attorney General, along with pursuit of all available legal remedies for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of Birth : XX/XX/XXXX SSN ( last XXXX ) : XXXX Email : XXXX XXXX Date : XX/XX/XXXX To : Equifax, Experian, Transunion, XXXX Secondary Credit Bureaus XXXX XXXX Department XXXX XXXX XXXX Freeze Request Dear Credit Bureaus, Please place a security freeze on my Equifax credit report for the consumer below : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX XXXX ( last XXXX ) : XXXX Please confirm the freeze and provide any PIN or password and instructions for temporarily lifting or permanently removing the freeze. I have attached identification and proof of address to verify my identity. 

Enclosed/attached : photocopy of government-issued ID, proof of current address, and any other documentation you require. 

Sincerely, 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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of Birth : XX/XX/XXXX SSN ( last XXXX ) : XXXX Email : XXXX XXXX Date : XX/XX/XXXX To : Equifax, Experian, Transunion, XXXX Secondary Credit Bureaus XXXX XXXX Department XXXX XXXX XXXX Freeze Request Dear Credit Bureaus, Please place a security freeze on my Equifax credit report for the consumer below : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX XXXX ( last XXXX ) : XXXX Please confirm the freeze and provide any PIN or password and instructions for temporarily lifting or permanently removing the freeze. I have attached identification and proof of address to verify my identity. 

Enclosed/attached : photocopy of government-issued ID, proof of current address, and any other documentation you require. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: VA

Complaint narrative:
PLEASE REVIEW UNVERIFIED ACCOUNTS AND UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT.

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 2025-10-02 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: LA

Complaint narrative:
Request for Permanent Deletion of XXXX XXXX, Account XXXX. XXXX To Whom It May Concern : I am formally disputing the account appearing on my TransUnion credit report from XXXX XXXX, Account No. XXXX, reported on XX/XX/year>. This account is inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ). Pursuant to FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], you are required to ensure maximum possible accuracy in the information you report. This account contains reporting errors including, but not limited to, inconsistencies in balance, payment history, and account status, as well as a lack of verifiable proof of contractual obligation. Under FCRA 611 ( a ) [ 15 U.S.C. 1681i ], you must conduct a reasonable reinvestigation within 30 days of receiving this dispute. If the furnisher of this data can not provide documented, written proof that I am legally responsible for this account, it must be immediately and permanently deleted from my credit report. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) prohibits any data furnisher from reporting information they know or should know is inaccurate. Any continued reporting of this unverifiable account after receipt of this dispute will be treated as a willful violation, subject to statutory damages under FCRA 616617. If you fail to comply, I will escalate this matter.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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.

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 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