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: VA

Complaint narrative:
( 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 XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX - Balance {$2000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX - Balance {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX - Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX - Balance {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX - Balance {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX - Balance {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX - Balance {$11000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Regarding the XXXX, please provide the complete account history. This should include the full transaction history, payment records, all consumer disclosures and notices, and any correspondence regarding discounts and payments, XXXX, account title and tax document. This request is made under the 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I dispute the inclusion of certain accounts I did not authorize. Kindly perform a complete investigation and eliminate them from my credit profile. Supporting materials are attached.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-01 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: KY

Complaint narrative:
Despite my repeated disputes, TransUnion has failed and refused to investigate or correct the inaccurate information being reported regarding my account with XXXX XXXX. I have made multiple documented attempts to obtain supporting records directly from XXXX XXXX, including numerous phone calls and certified letters, yet I have not received a single response to date. XXXX XXXX has ignored every effort to resolve this matter, leaving me without any explanation or documentation that would justify the information being reported. 

Although the account in question has been formally closed, XXXX XXXX continues to reflect an outstanding balance, report an open line of credit, and assess additional interest charges as though the account were still active. This is not only misleading but also unlawful, as it creates the false appearance of an ongoing financial obligation. TransUnion, by continuing to publish and maintain this inaccurate data without sufficient investigation, is perpetuating the harm caused by XXXX XXXX reporting failures. 

The absence of any acknowledgment, explanation, or documentation from XXXX XXXX  has made it impossible to resolve the matter at its source. Nevertheless, TransUnion has an independent obligation under the Fair Credit Reporting Act to ensure the accuracy of information it reports. By failing to conduct a reasonable investigation and by continuing to report demonstrably false and unsupported account information, TransUnion is directly responsible for allowing this inaccurate data to remain on my credit profile. 

At this stage, the issue remains unresolved solely due to the combined failures of both XXXX XXXX and TransUnion. The continuation of interest charges on a closed account and the reporting of such data as accurate is unacceptable. Without corrective action, this ongoing inaccuracy will leave me with no choice but to escalate the matter further.

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 is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
A vehicle that someone got in my name id on my credit report and XXXX XXXX has refuse to remove off my credit. Its been almost XXXX years and it has cause to miss out on a lot of 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 explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
In XX/XX/year>, my XXXX XXXX XXXX account was unexpectedly restricted and then permanently closed. On XX/XX/year>, XXXX stated they detected potentially unusual activity in my account and immediately placed restrictions : no deposits, no withdrawals, and position-closing only. 

XXXX requested verification documents, including a live selfie and bank statements, which I promptly provided. On XX/XX/year>, XXXX concluded its review and informed me that they would no longer support my account. They refused to provide specific reasons beyond citing unusual activity and claimed they had the right to take such action under their Customer Agreement. 

On XX/XX/year>, XXXX informed me that my funds would be returned to the originating bank account. They stated that the average processing time was about XXXX  days, but that it could take up to XXXX days. The total funds at issue are approximately {$18000.00}. 

As of today, it has been more than XXXX days since that notice, and I still have not received any funds. I have contacted XXXX several times requesting : A clear and specific timeline for when my money will be returned. 

The reason for the delay beyond the generic XXXX days explanation. 

An alternative refund method, such as issuing a physical check, in case the bank transfer continues to be delayed. 

XXXX has not provided meaningful answers. Their only response is to repeat that the process XXXX take XXXX  days and that they can not provide further information. This vague timeline and lack of transparency are unacceptable given that the funds are my personal assets. 

This situation has caused me severe hardship, as I urgently need access to these funds to cover tuition payments and essential living expenses. XXXX refusal to provide clarity or expedite the return of my money is unreasonable and harmful. 

I respectfully request that XXXX be required to : Immediately process the return of my funds. 

Provide a definite timeline for completion. 

Offer a check refund option to my current mailing address if the ACH/bank transfer is delayed or unsuccessful.

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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Says on my credit report it was opened XX/XX/year>. Which XXXX XXXX XXXX military and was on a month long training with no access to a phone or computer. I kept getting called and when i answered they said they were trying to collect the debt I owed but i didnt recall anything with what the company they said it was. The debt collector is Sunrise credit services group. The amount is 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: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent an online payment from Wells Fargo to XXXX for {$10000.00}. Unfortunately XXXX was the wrong account, it was supposed to be XXXX XXXX. I reached out to Wells Fargo and XXXX XXXX explaining the issue, and asked them to return the money because that particular account had been closed for 13 years. Wells Fargo told me that there was nothing that they could do because it had left their system, and XXXXXXXX XXXX initially told me that I didn't have an account, and I had to search through my receipts from XXXX to even find the account number. XXXXXXXX XXXX  then said that there was nothing that they could do either because that account had been closed for too long and they had no record of me in their system. Nobody seems to know where the money is located.

For Wells Fargo, after many attempts to contact them, I got 2 case numbers. One that was denied and one that got reissued. They also said that they will get back to me after they had reissued my second case number again. 
For XXXX, they told me it was Wells Fargo 's Problem, and then asked me for proof of payment from Wells Fargo, which I got. I then Mailed and Faxed the proof of payment to the " Money Back Department '' of XXXX and have not gotten a reply.

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: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: College Ave Student Loan Servicing, LLC
State: IN

Complaint narrative:
On XX/XX/year> College Ave falsified caller id showing up as my mother when they called. They previously had called her and asked her to conference me on the phone and she declined and hung up. They disregarded her decline and used her number to call me and when I answered they were on the other line. My payment is only XXXX  days late ( not even a full pay period ) and they are using illegal ( Truth in Caller ID Act- a federal law ) and aggressive tactics to get to me.

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: MO

Complaint narrative:
Disputes 2x also through cfpb and attorney generals office.

Invalid and improper reporting inaccurate information Under FCRA 607 ( b ), you are required to ensure maximum possible accuracy. Reporting unverifiable data does not meet that standard.

Go to furnisher and obtain the court documentation and please send fixed rate information if this is accurate which isnt.

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: LA

Complaint narrative:
Round 1 Charge Off.

Im trying to purchase a home, in the report agency still reporting inaccurate information. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Louisiana XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : Identity Theft Dispute and Request for Blocking under 15 U.S.C.

1681c-2 To Whom It May Concern, I am the victim of identity theft, and I am disputing the reporting of a fraudulent account that does not belong to me. I am requesting, under 15 U.S.C. 1681c-2, that this account be blocked from my credit file immediately.

The fraudulent account appears on my credit file as : - Creditor : XXXX XXXX XXXX - Account # : XXXX Enclosed, please find the following supporting documents for your review : - A copy of my government-issued photo identification - A copy of a recent utility bill as proof of address - A copy of my social security card - A copy of my dispute letter sent to the creditor Please note : My government-issued identification may display a prior address. My current address is XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX, as supported by the enclosed proof of address.

For your reference, here is my identifying information : - Name : XXXX XXXX - Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX - Last four of SSN : XXXX - Date of Birth : XX/XX/XXXX Please investigate this matter and confirm in writing that the fraudulent account has been removed from my credit file. Be advised that under federal law, you are required to block such information once proper documentation has been provided. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am submitting this complaint regarding a fraudulent transaction through my Wells Fargo account using XXXX. I am requesting the CFPBs assistance in reviewing my case and holding Wells Fargo accountable for failing to provide adequate protection against this type of scam. 

Why I Believe Wells Fargo Is Responsible I recognize that I was deceived by a sophisticated scam. However, Wells Fargo failed to provide adequate protections that could have prevented this fraud. Specifically : Caller ID Spoofing Protection : Scammers were able to impersonate XXXX XXXX official number, misleading me into believing the call was genuine. 

Insufficient Account Safeguards : My XXXX account did not have all available security measures enabled by default, leaving me vulnerable. 

Consumer Protection Gap : As a customer, I expected Wells Fargo to provide stronger safeguards against known XXXX impersonation scams.

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 2025-10-01 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: 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 2025-10-01 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: 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 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally disputing the accuracy and validity of the charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing.

Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent.

The balance, past due amount, and status are not accurately reported.

The account does not reflect complete and verifiable records of the debt.

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : 1. Full validation and documentation proving this account was lawfully established and charged off.

2. Copies of the original signed contract or agreement bearing my signature.

3. A detailed payment history, including how the balance and charge-off status were calculated.

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA.

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

I expect your investigation and response within the required 30 days. 

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally disputing the accuracy and validity of the charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing.

Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent.

The balance, past due amount, and status are not accurately reported.

The account does not reflect complete and verifiable records of the debt.

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : 1. Full validation and documentation proving this account was lawfully established and charged off.

2. Copies of the original signed contract or agreement bearing my signature.

3. A detailed payment history, including how the balance and charge-off status were calculated.

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA.

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

I expect your investigation and response within the required 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation