vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: Block, Inc.
State: GA

Complaint narrative:
Block inc is the driving force behind cash app who has defrauded me a charge was made to my cash app that was erroneous or in error by a local XXXX 's in XXXX Arizona on XXXX XXXX I contacted cash out to let them know about the charge and they claimed they investigated it and concluded I lied about the charge and that I owed the money for the charge I advise them that that is incorrect and that XXXX 's has since indicated they made an error I spoke with an area manager by the name of XXXX and provided the number for him and they still claim that XXXX 's is saying I owe the money and if that is true then they are both defrauding me and the whole act is caught on camera and you can see me driving away not ever have pulling up to the first or second window to collect anything block ink and cash apps are known for this behavior and this is not okay I'm asking that the inspector take action against cash out for once again using disgusting behaviors towards their customers it is a breach of contract they are out of compliance and it's in violation of many of my rights I'm a Medicare Medicaid recipient and on SSXXXX and they deducted some of my SSXXXX  funds for this transaction I was unable to pick up my XXXX medication due to not have enough money as a result of this transaction the bottom line is this is not okay and I have been defrauded by cash app as many people have

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: SC

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: GREENSKY OPERATIONS, LLC
State: GA

Complaint narrative:
I have disputing these accounts starting in XXXX to the current date. XXXX  nor the following accounts have obliged by providing the proper documentation of verification of the authenticity of the accounts in relation to me. There is a total different name on my report of which I disputed. There was the account that was listed under the name. Ive been involved in multiple breaches in which Ive received compensation for the negligence and yet in still XXXX, Greensky, XXXX XXXX XXXX XXXX XXXX will not confirm verification and ever time I dispute XXXX  updates the account with no proper verification investigation. This has negatively impacted my score and lively hood

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Dear Transworld Systems Inc., I am contacting you in regard to a collection account you are reporting on my credit report, which is allegedly related to an account with XXXX XXXX XXXX XXXX XXXX 

This letter is a formal notice that I dispute the validity of this debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting complete validation of this alleged obligation before I engage in any further communication or payment. 

Please provide the following : A copy of the original signed service agreement or contract with XXXX An itemized statement of charges, payments, and any remaining balance allegedly owed Proof of your legal right to collect on this debt, including a copy of the assignment or purchase agreement from XXXX The original account number, dates of default, and any communication sent to me Proof that your agency is licensed to collect in my state of residence Until full validation is provided : Cease all collection efforts, including phone calls and letters Mark this account as disputed with all credit bureaus ( XXXX XXXX XXXX XXXX XXXX Do not reassign or sell this debt to any third-party entity If you are unable to provide validation within 30 days of receipt, I will escalate the matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) , the Federal Trade Commission ( FTC ) , and my State Attorney Generals Office. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: MI

Complaint narrative:
I am contacting you to dispute certain information in my credit report associated with the account listed as XXXX XXXX XXXX. After reviewing the details, Ive identified inconsistencies that I believe require investigation and correction. 

Account in Question : Creditor Name : XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX : {$500.00} Utilization Rate : 89 % Reported Delinquency : 30 days past due ( XX/XX/XXXX ) Last Updated : XX/XX/XXXX While I understand a single late payment was reported, the overall account shows regular on-time payments, including recent months. I believe this account may be unfairly affecting my credit standing, particularly if it is misrepresented or outdated. Additionally, I do not recall consenting to its continued reporting in this manner, which may raise compliance issues under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Mailed {$95.00} payment and it was received on XXXX  by Capital One for the annual fee Capital One closed the account in XXXX XXXX.

We have called 5 times. Here are the results : 1st call- Told we called in to close it and we stated this was inaccurate. The rep promised to research it and reopen the account.

2nd call- Told we called in to close it. Explained this was inaccurate. Was promised a letter with when the account would be reopened.

3rd call- Told we called in to close it. We pulled both of our call logs while on the phone with the rep and offered a screen shot. He said that it was not needed and they would not be reopening it. We would receive a letter as to why. It never came.

4th call- Was told by the rep that we mailed in a letter requesting it closed ( funny how the story changed ). We explained we did not and it's not right to keep the {$95.00} annual fee and to then close the card without refund. Was promised a letter when we asked for proof and informed rudely that it would not be reopened. Letter never received - again! 

5th call ( XXXX ) - We are DONE playing. Called in for a refund of the {$95.00} annual fee which was kept by Capital One. Asked for an email address so we could send this to an escalation team. Was given none and told we could only speak to the escalation team. Transferred and spent over 34 minutes on hold to talk to no one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: GA

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 XXXX 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 2025-06-28 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:
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 XXXX 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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally request your assistance in resolving an issue concerning the accuracy of the information being reported on my credit reports by XXXX XXXX XXXX. 

I have XXXX XXXX XXXX credit card accounts ending in XXXX and XXXX, both of which currently have a {$0.00} balance. Despite this, the balances reported to the credit reporting agencies XXXX, Experian, and XXXX  have not been updated accordingly. As a result, my credit reports continue to reflect inaccurate and outdated balance information. 

I have contacted XXXX XXXX XXXX  directly and confirmed that the balances on both accounts are indeed {$0.00}. However, these updates have not been reflected in my credit files. This inaccurate reporting may be negatively affecting my credit score and overall creditworthiness. 

I am requesting that the CFPB investigate this matter and take appropriate steps to ensure that XXXX XXXX Bank reports the accurate balances to all relevant credit bureaus in a timely manner, in compliance with the Fair Credit Reporting Act ( FCRA ). 

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally request your assistance in resolving an issue concerning the accuracy of the information being reported on my credit reports by XXXX XXXX XXXX. 

I have XXXX XXXX XXXX credit card accounts ending in XXXX and XXXX, both of which currently have a {$0.00} balance. Despite this, the balances reported to the credit reporting agencies Equifax, XXXX, and XXXX  have not been updated accordingly. As a result, my credit reports continue to reflect inaccurate and outdated balance information. 

I have contacted XXXX XXXX XXXX  directly and confirmed that the balances on both accounts are indeed {$0.00}. However, these updates have not been reflected in my credit files. This inaccurate reporting may be negatively affecting my credit score and overall creditworthiness. 

I am requesting that the CFPB investigate this matter and take appropriate steps to ensure that XXXX XXXX XXXX  reports the accurate balances to all relevant credit bureaus in a timely manner, in compliance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally request your assistance in resolving an issue concerning the accuracy of the information being reported on my credit reports by XXXX XXXX XXXX. 

I have XXXX XXXX XXXX credit card accounts ending in XXXX and XXXX, both of which currently have a {$0.00} balance. Despite this, the balances reported to the credit reporting agencies XXXX, XXXX, and TransUnion have not been updated accordingly. As a result, my credit reports continue to reflect inaccurate and outdated balance information. 

I have contacted XXXX XXXX XXXX  directly and confirmed that the balances on both accounts are indeed {$0.00}. However, these updates have not been reflected in my credit files. This inaccurate reporting may be negatively affecting my credit score and overall creditworthiness. 

I am requesting that the CFPB investigate this matter and take appropriate steps to ensure that XXXX XXXX XXXX  reports the accurate balances to all relevant credit bureaus in a timely manner, in compliance with the Fair Credit Reporting Act ( FCRA ). 

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 non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
I've been charged a series of overdraft fees ( {$5.00} ) and maintenance fees ( {$7.00} ) on my checking accounts. Based on the terms and conditions established for my non-resident account in 2017, these charges are incorrect and do not align with my original account agreement.

Trying to resolve this directly with the bank has been extremely difficult due to their poor customer service, which is further complicated by my status as a non-resident. This situation makes it impossible for me to communicate effectively to correct these errors. The incorrect charges are causing me direct financial harm and significant frustration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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.
State: PA

Complaint narrative:
I disputed an account with Transunion several times about XXXX XXXX XXXX  and was not resolved. Recently I disputed the same account with a FTC report along with a copy of my ID and per FCRA guidelines Blocking Fraudulent Information ( 1681c-2 ) Upon receiving a valid identity theft report : CRA must block information related to the fraud within XXXX business days. 
Blocked items must not be reported again, unless : The report is fraudulent, The consumer obtained goods/services, or There was an error/misrepresentation. Which its been over XXXX business days and the item is still on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to be absolutely clearthis complaint is not made in error. My credit report contains inaccurate information that fails to meet the required standards of maximum possible accuracy. These errors are causing serious and ongoing harm to my financial well-being, and the consequences are far-reaching and deeply distressing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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 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 XXXX XXXX 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 2025-06-28 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: FL

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 XXXX XXXX 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 2025-06-28 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: MO

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused significant and quantifiable harm to both my XXXX XXXX and overall financial stability. I previously reported this issue to your agency and was explicitly assured by a representative that these unauthorized inquiries would be removed. That commitment has not been fulfilledthese inquiries remain on my report. 
Your agencys failure to act is unacceptable. The continued presence of these unapproved and potentially fraudulent entries raises serious red flags, including the risk of identity theft. This ongoing issue is causing substantial emotional distress and financial repercussions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: EdFinancial Services
State: NJ

Complaint narrative:
I was incarcerated from XXXX until XXXX of XXXX and sometime in XXXX someone living in another state used my identity to take college classes the loan is outstanding and negatively effecting my credit at this time.I have submitted disputes to the company to no avail I'm told I have to file a police report in order to dispute the account. I believe this to be unnecessary as I was incarcerated and have the proof of same and it would have been impossible for me to take these classes I have attempted to resolve this matter with the company directly to no avail.

Company response to consumer: Closed with explanation