vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I have been a loyal Cash App user for over 10 years without any issues. On Friday, at XXXXXXXX XXXX  my account card was suddenly frozen without any prior notice or explanation. Initial contact with customer service resulted only in vague information citing " suspicious activity '' with no further details. -- - * * Details of Incident : * * - Despite multiple calls from Friday through Monday ( 5-10 times each day ), no clear information was provided until I connected with an agent named XXXX on Monday. - XXXX informed me there was a security hold under investigation by specialists and assured me the freeze would be lifted by Tuesday, XXXX XXXX XXXX - However, as of Tuesday XXXX XXXX XXXXXXXX, my account remains frozen with no further updates. - When I contacted customer service again, I was told the issue still persists and all they could do was escalate the case to a specialist, ignoring my prior assurances and conversation with XXXX. - I have received no email notification from Cash App explaining this freeze or providing status updates. -- - * * Impact : * * Because of this unfounded freeze and lack of communication, I was unable to access funds necessary to support my family during this period. This caused considerable distress, including being unable to provide food, resulting in emotional distress for me and my children. The handling of this situation by Cash App is unacceptable from a financial service providers standpoint. -- - * * Requested Resolution : * * 1. Immediate unfreezing of my account so I regain access to my funds. 2. Clear, timely communication about the nature of the issue and steps being taken to resolve it. 3. Explanation and formal apology regarding the lack of communication and the undue hardship caused. 4. Assurance that proper notification procedures are implemented in the future to prevent similar experiences for me and other customers. -- - Thank you for your time and prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: IL

Complaint narrative:
Some one has been using my information to try and by a car and obtain credit in my name. My credit is consitantly being ran by different agencies, I have put a freeze on all three credit agencies and purchase life lock. : PLEASE SEE ATTAHCED LIST :

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 2025-07-02 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: EQUIFAX, INC.
State: CA

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 2025-07-02 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: CA

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally express my concern regarding multiple unauthorized inquiries on my credit report made by various companies. These actions have negatively impacted both my credit profile and score. I previously reached out to your agency and was assured by a representative that these inquiries would be removed. However, they continue to appear on my report, and no corrective action has been taken. 
This lack of follow-through is deeply troubling. The continued presence of these unapproved and potentially fraudulent entries raises serious concerns about possible identity theft. The situation is causing significant emotional distress and ongoing financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On or around XX/XX/year>, I was the victim of a sophisticated scam in which someone gained unauthorized access to my USAA bank account, moved funds between my accounts, took out a personal loan in my name, and then called me while spoofing USAAs customer support number. 

They claimed to be with USAA Fraud Prevention, referenced the suspicious transactions I had just seen in my account, and told me that someone had access to my account and was laundering money through it. They knew details about my account, my other bank ( XXXX ), my address, and the proximity to my XXXX branch. 

They told me that USAA partners with XXXX in these situations to resolve fraud cases and instructed me to go to XXXX, withdraw {$9100.00}, and deposit it into a temporary USAA fraud resolution account. Believing I was working with USAA to protect my funds, I complied. 

I later learned this was a scam, and I reported it to USAA immediately. Despite the clear signs of identity theft, impersonation, and fraud-by-deception, USAA denied my claim XXXX stating that because I physically withdrew the money, I am fully liable. 

Why Im disputing USAAs response : USAA is misclassifying this as first-party fraud and refusing to reimburse me, despite the fact that : I did not authorize any transactions for the scammers benefit knowingly or willingly I acted under fraudulent pretenses, having been deceived by someone impersonating USAA I reported the fraud promptly These actions fall squarely under the protections of Regulation E which defines unauthorized transfers as those induced by fraud, deception, or impersonation The fact that I followed their instructions under duress and deception does not constitute authorization under federal law. I was the victim of a scam, not the perpetrator.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-07-02 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates ( XX/XX/2025 ). Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: WV

Complaint narrative:
I recently refinanced my home to obtain a lower mortgage rate. This is my third time closing on a home, and I have never encountered the issues I am currently facing. I understood that my first payment would be due in XX/XX/XXXX, but I did not receive any communication or instructions to set up an account with my new loan servicer. 

By XXXX, with no information received, I contacted my mortgage broker, who confirmed I should have been contacted by that point. He informed me that my loan was with First National Bank of Pennsylvania ( FNB ) and helped me identify my account number. During this time, I received calls from FNB while I was at work and unable to answer. I attempted to email customer service to request alternative contact methods, but their only response was to call medespite my repeated explanation that I can not reliably answer phone calls during work hours. 

When I did find time to call, the hold times were excessive. Once I was finally able to log into my account, I discovered FNB does not allow external transfers from my bank. I attempted to follow FNBs instructions to open a checking account with them to facilitate a transfer, but the accounts were not linked. Ive tried to connect this new FNB checking account to both my XXXX XXXX XXXX and XXXX accounts, and both failed due to verification issueslikely a problem on FNBs end. 

Despite multiple efforts, FNBs customer service has not provided any meaningful support. My mortgage payment is now past due as of XX/XX/XXXX, not for lack of funds, but because I am unable to access a basic, functional method to pay. I have never had to work so hard to give a company my money and be met with such unhelpful service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: AZ

Complaint narrative:
Errors I am filing this complaint against XXXX and their XXXX XXXX XXXX XXXX for reporting inaccurate, unverifiable, and damaging information on my consumer report. This includes : A bankruptcy ( case XXXXXXXX XXXX XXXX XXXX XXXX XXXX that has been discharged and no longer legally belongs to me. According to PACER, once discharged, it becomes the responsibility of the bankruptcy estatenot the individual. PACER also confirmed that they do not furnish data to credit reporting agencies. 
XXXX continues to publish this bankruptcy as active or associated with me, even after reinvestigation and dispute notices. Multiple agencies have now confirmed deletion, but XXXX continues to allow affiliate reports like XXXX XXXX XXXX to propagate the error. 
I have received letters confirming XXXX could not verify the bankruptcy and that it was removed from their file, yet it continues to reappear in insurance and background data. 
In addition to the false bankruptcy, the report lists : Multiple incorrect addresses ( including a XXXX, TX address where Ive never lived ) Wrong or missing employment information ( Ive been employed by XXXX since XX/XX/year> ) Old and duplicate account entries with conflicting balances, inaccurate charge-off dates, and improperly coded auto loans XXXX also shows insurance claims and XXXX XXXX  Auto data linked to the wrong person or locations, creating a false high-risk profile. 

I have disputed this with XXXX by certified mail, phone, and fax. I have recorded calls and response letters proving they are aware of the issue and have not corrected it across all systems. 

This inaccurate reporting has damaged my credit, inflated my car insurance, blocked credit approvals, and caused extreme emotional distress. It also directly violates the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ) requiring data to be accurate and verified and Section 611 requiring proper reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-02 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: FL

Complaint narrative:
I want to make it absolutely clear that this complaint is not being submitted in error. My credit report contains inaccurate information that fails to meet the legal requirement of maximum possible accuracy. These errors are having a sustained and damaging effect on both my financial stability and personal well-being. 
This situation is placing an undue and unjust burden on me during an already difficult time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: PA

Complaint narrative:
I am disputing a XXXX XXXX collection account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX that Equifax continues to report on my credit report as a charge-off or collection. 

On XX/XX/year>, I received a debt collection notice from XXXX XXXX XXXX. I submitted a written debt validation request by certified mail on XX/XX/year> pursuant to the FDCPA 1692g. The collection agency has failed to respond or validate the debt. 

Despite this, Equifax continues to report this account as derogatory as of XX/XX/year>, according to my XXXX  credit report. 

This violates : FCRA 1681i : failure to reinvestigate disputed information FCRA 1681s-2 ( b ) : continuing to report information that has not been verified by the furnisher This inaccurate reporting is harming my credit standing and opportunities for credit approval.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TRANSUNION and EQUIFAX are reporting information that I have explained is not in any way relating to XXXX XXXX. I explained that these accounts are the result of identity theft and have provided an FTC report, yet I am still having trouble getting this fraudulent information off of my report regarding XXXX XXXX XXXX XXXXXXXX XXXX XXXX inquiry.

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 2025-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have XXXX collection accounts on my credit reports from XXXX XXXX XXXX ( for an original creditor XXXX XXXX Co ), reported on all three credit bureaus. These are : Opened around XX/XX/XXXX for ~ {$1400.00} Opened around XX/XX/XXXX for ~ {$360.00} Starting in XX/XX/XXXX, I have sent at least XXXX formal dispute letters to the credit bureaus and directly to XXXX XXXX XXXX, requesting that they validate these debts under the Fair Credit Reporting Act ( FCRA ) or remove them if they could not be verified. Despite these repeated disputes, these collection accounts remain on my credit reports with no valid documentation ever provided to me proving I owe these debts. They have not sent any original signed contracts, detailed statements, or proof of my liability. Under the FCRA ( XXXX XXXX. XXXX and XXXX ( b ) ), the credit bureaus and the furnisher are required to conduct a reasonable investigation and delete unverifiable information. Instead, these accounts continue to report with no change, harming my credit scores and financial opportunities.

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 2025-07-02 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: 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