vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: AR

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX XXXX XXXX XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, Maryland, XXXX XXXX XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Subject : Formal Complaint and Refund Request Against Cash App Regarding XXXX  Transaction Dear CFPB Representative, I am writing to formally file a complaint and request assistance regarding a XXXX transaction made through Cash App ( Block , Inc. ), which resulted in financial loss due to fraudulent activity. 


-- - Transaction Details : Cash App Username / Email / Phone : $ XXXX XXXX XXXX Transaction Date : XXXX XXXX Transaction Amount : {$480.00} Transaction ID : # XXXX Issue Type : unauthorized transaction / scam -- - Summary of the Issue : On XXXX XXXX, I attempted to purchase XXXX using Cash App. The transaction was completed and the funds were withdrawn from my linked debit account. However, I experienced the following I was the victim of a scam, where another user fraudulently convinced me to send XXXX and has since disappeared. 

This transaction was unauthorized and I did not approve the movement of these funds. 



-- - Actions Taken : I contacted Cash App support via the app and email but received denial of refund / insufficient help. 

I attempted to resolve the matter through their listed procedures, including requesting a refund, but was unsuccessful. 

I believe this situation may involve deceptive practices, lack of disclosure, or failure to protect consumers. 



-- - Request : I respectfully request that the CFPB investigate this issue and help me obtain a full refund for the amount of {$480.00} from Cash App ( Block , Inc. ).

I am attaching any relevant screenshots, transaction history, and prior correspondence with Cash App as evidence. 


-- - Thank you for your time and assistance in helping me resolve this issue. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I need my hard inquiries removed asap Unauthorized consent of sharing personal information with out my knowledge 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 non-monetary relief
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
I was going through my credit report and found something odd for account XXXX XXXX XXXX XXXX in XXXX, XXXX. It says I was late, but I can't find any proof of that.You know those cases, XXXX XXXX XXXX  XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX. 
( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: LA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
I am filing this non-duplicative complaint against XXXX XXXX XXXX for illegally sending debt collection information to my place of employment at XXXX XXXX XXXX, XXXX, Ohio XXXX. This action occurred recently, compromising my privacy and professional reputation. The debt in question, associated with a XXXX account, remains invalidated, as Weltman, Weinberg & Reis Co., LPA provided only account statements without forward flow agreements, securitization documents, or proof of liability in their XX/XX/XXXX, response to my validation request. XXXX continued collection efforts on this unverified debt, including workplace communication, violate my rights and cause significant distress. 

Illegal Communication : XXXX transmission of debt collection details to my workplace breaches privacy laws, as I did not authorize such contact and it occurred without my attorneys involvement, despite my prior disputes. 
Invalidated Debt : The debt lacks proper validation, as Weltmans response failed to meet FDCPA 1692g requirements, supporting cessation of all collection efforts.

Impact : This unauthorized workplace contact has damaged my professional standing and caused emotional harm, exacerbating the financial strain from an unverified debt. 
Prior Actions : This complaint is distinct from prior CFPB filings XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which addressed other creditors and CRAs, focusing solely on XXXX workplace violation and invalidated debt. 
XXXXegal Violations and Principles : FDCPA 1692c ( a ) ( 3 ) : Contacting me at work without prior consent or my attorneys involvement is prohibited, especially after requesting validation. 
FDCPA XXXX : XXXX and Weltman must validate the debt ; their failure, per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), mandates cessation. 
FDCPA 1692e : Misrepresenting an unvalidated debt as collectible is a false representation.

FCRA 1681s-2 ( b ) : XXXX, as a furnisher, must investigate disputes and correct inaccuracies ; their reliance on invalid data violates this. 
FTC Act 5 : Unfair and deceptive practices in workplace communication and unverified debt pursuit cause substantial harm.

Ohio CSPA ( ORC 1345.02 ) : Deceptive collection tactics, including workplace contact, breach state law.

Equity Principles : Fairness requires halting collection and redressing privacy invasion due to XXXX negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

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 - XXXX List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX 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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My wife 's debit card on our joint bank account at Bank of America was hacked. Whoever this criminal was made XXXX cashapp transfers within a few minutes and then undoing those each time. Finally, this person did XXXX more cashapp transaction in the amounts of {$1900.00}, {$460.00}, and {$5.00}. We had just gotten paid, and this wiped out our entire bank account. We have no money now after just getting paid. My wife filed the fraud investigation on Sunday, XX/XX/XXXX. On Monday, XX/XX/XXXX, she called to request a temporary restoration of our money that was stolen. The rep told her they could do that, and the call was completed. I called back today, XXXX, to check the status and found out they will not restore our funds until waiting XXXX business days ( reminder, XX/XX/XXXX coming up ). We will not get any restoration for over XXXX weeks. No money at all since we just got paid. They refuse to give us anything back at all and only stated they'll escalate and see if they'll approve or deny.

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 monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear CFPB Representative, I am submitting this letter as a formal complaint regarding the reporting of a late payment by XXXX XXXX on my credit report for XX/XX/year>. This reporting is the result of circumstances beyond my control and should be investigated and corrected. 

In XX/XX/year>, I mailed a check to XXXX XXXX to make my regular monthly payment. However, I later discovered that the payment never reached the creditor, and my bank has confirmed that the check has not been cashed as of today 's date. This indicates that the check was either lost or stolen in the mail, and I was unaware of the issue until I noticed the late payment reported on my credit report. 

Upon further investigation, I realized I was a XXXX XXXX XXXX XXXX as the payment was never processed or received by XXXX XXXX. I have a consistent history of making on-time payments, and this situation unfairly damaged my credit through no fault of my own. 

I am respectfully requesting that this late payment be removed from my credit report due to the extenuating circumstances of mail fraud and the fact that I took timely action to submit my payment in good faith. 

Please investigate this matter thoroughly and take appropriate action to ensure my credit file reflects accurate and fair information. I am also submitting a dispute with the credit bureaus and have included any supporting documentation available. 

Thank you for your attention to this matter. I appreciate your assistance in ensuring consumer protections are upheld. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: IL

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report. 

I would also appreciate your assistance in removing this fraudulent record from the public record as soon as possible. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

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 2025-07-01 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: AR

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-01 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
XXXX XXXX, XX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Quick summary of my situation. My grandmother gifted all of the grandchildren {$19000.00} in the form of a check. She did this at the beginning of the year. I received mine XX/XX/year> ( written and dated at that time ) and deposited. Funds were placed on a XXXX hold and the check was marked return to maker on XX/XX/year> due to the signature not matching. 

Grandmother went to her bank, updated her signature, and wrote another check. I picked it up and deposited it on XX/XX/year>, this one receiving a XXXX hold. The funds were scheduled for release tomorrow, XXXX and all of a sudden my account was restricted and " at risk for closing ''. I call Chase and they tell me they need to call and verify with my Grandmother that the check is legitimate.

I agree, easy enough, her number is printed on her checks. However, due to her caller ID not showing her name, Chase says that they can not verify it. It is a VOIP Phone and we have engaged the company, her name is in every slot you could possibly put it. Because of this, they will not unlock my account until we get her name updated with the phone company, holding my account XXXX, my account where I receive direct deposit from my employer. 

To note, the funds have cleared and her bank released them, confirmed in person at her local branch on XX/XX/year>. Chase has the funds. If I can not verify this before account closure ( they could not give me a definite timeline ), Chase rep says that my account will close and the funds will be sent to the state after a few YEARS and I can receive them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief