vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
Company Name : Cash App Cash App Account Name : XXXX XXXXXXXX XXXX XX/XX/year> I sent a payment of XXXX to the recipient XXXX. The recipient XXXX claimed that he never received the payment. Therefore, on XX/XX/year> I sent another payment of XXXX to the recipient XXXX. On XX/XX/year> the recipient XXXX stated again that he didn't receive the payment of XXXX and informed me that he doesn't have an open Cash App account but have a XXXX Account. I immediately canceled both payments of XXXX that I sent to XXXX. However, on XX/XX/year> Cash App only refunded XXXX payment of XXXX back to my account. I contacted Cash App via online Chat support and phone. I also send Cash App a part of my month of XXXX Bank Statement showing that they debit my bank account twice for XXXX but only refunded me XXXX XXXX. I file a dispute with my bank XXXX XXXX XXXX XXXXXXXX XXXX  and they investigated and recovered the money from Cash App and refunded the money back into my Bank account. However, Cash App Debit my Cash App account for XXXX to recoup the money that my bank put back into my Bank account. Therefore, I am requesting that Cash App Credit my Cash App Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: CA

Complaint narrative:
I was scammed into paying {$80.00} for some XXXX  to be shipped to my residence. After they received payment the following day I got a phone call from the Shipping/transportation company that the seller hired stating I need to pay them {$100.00} for The birds to be removed from hold and delivered to me. I asked them to contact the seller as he is whom hired the company and contacted the seller seller stated it has nothing to do with him shipping coming said it has nothing to do with the seller. Seller will not refund me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XX/XX/year> suspicious activity froze my USAA accounts of which I am a member of 40-years, when I attempted to pay my bills. 
XX/XX/year> My authorized text usually from USAA shows an unknown name was added to my personal profile and instruction to phone a XXXX number that is not a USAA number XXXX 
XX/XX/year> thru XX/XX/year> telephone calls made from me to XXXX XXXX, my visits to the bank, faxes and mail sent to resolve authenticity I am the account holder. Each time I call varying information either they have or don't have my driver 's license successfully in their hands or they have 3 copies of licenses in their hands. Or the licenses are not acceptable and is acceptable if in XXXX and white. 
XX/XX/year> thru XX/XX/year> no one accepts my text information to help resolve the suspicious activity. 
XX/XX/year> thru XX/XX/year> I am unable to get anyone other than XXXX XXXX to interface with me and am told they are separate from the team in a back room that accepts no communication from me.

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 2025-09-06 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:
I am writing under the Fair Credit Reporting Act ( FCRA ) to formally dispute the following accounts currently appearing on my TransUnion credit report, which do not belong to me : XXXX XXXX XXXX XXXX These accounts are not mine and must be removed immediately. Pursuant to 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of these accounts. I am also demanding complete documentation and proof of verification that these accounts belong to me. If you can not provide verified, documented evidence, you must delete them from my file immediately.

Please be advised that under the recent amendments and case law interpretations of the FCRA, failure to properly investigate, verify, or remove inaccurate information constitutes willful noncompliance. If you fail to remove these fraudulent accounts or provide sufficient verification within the required timeframe, I will have no choice but to pursue legal action against TransUnion. This will include seeking damages, attorneys fees, and any other remedies available under the law.

This letter serves as formal notice that if TransUnion continues to report these accounts without proper verification, I will sue and seek financial compensation.

I expect a response within 30 days of your receipt of this letter, as required by the FCRA.

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 2025-09-06 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: Sparrow Financial, Inc.
State: TX

Complaint narrative:
I am contacting you regarding the inaccurate reporting of the account SPARROW FINANCIAL with act. number XXXX XXXX XXXX XXXX XXXX  on my credit report. The account is clearly reporting inaccurate information and payment history. The date closed is listed as XX/XX/year>, but according to the reported payment history this account was 90 Days Late on XX/XX/year> ( the same month it was closed ). Also on XX/XX/year> and XX/XX/year> this account is reporting 120 Days Late TWICE IN A ROW. Please verify how it would be accurately possible to be Late on a closed account? Or how it is possible to be 120 days late twice. Furthermore, the FCRA requires accurate and complete reporting of information, in which this is a direct violation of FCRA REGULATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
My actual financial standing is not considered in this credit review.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
My husband opened an American Express account and, without my permission, attempted to add me as an authorized user. I never consented to this, and the card was never activated because I did not want his account reflected on my credit. I contacted American Express directly, when I noticed that have added it to my credit, and they confirmed that there is no account in my name and no record of me as an account holder. 
According to my husband when he spoke on the phone he never gave them my social security card. Just because I am married to someone doesn't give them the right to add anything they want to my credit. I want this off my credit as again I never gave consent and I never activated an American Express card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: FL

Complaint narrative:
I am filing a complaint to formally dispute and request the removal of several accounts, charge-offs, and inquiries that appear on my credit reports without my authorization. These items do not belong to me and were reported erroneously, negatively affecting my credit and causing significant distress. 
Among the late-closed accounts inaccurately reported are XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}. These accounts violate FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires that disputed information be fully investigated, and FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ), which obligates furnishers to correct or remove information that can not be verified. 
The charge-offs reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$15000.00}, XXXX XXXX XXXX XXXX  with a balance of {$1700.00}, and XXXX XXXX XXXXXXXX XXXX with a balance of {$14000.00} were reported without the required IRS Form 1099-C for debts above {$600.00}, making them unverified under FCRA 607 ( b ). Additionally, XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00} is inaccurately reported as a charge-off and violates 605B / 15 U.S.C. 1681c-2 and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ). 
I am also disputing inquiries performed without my consent, including XXXX  on XXXX and XXXX on XXXX, XXXX  on XXXX XXXX XXXX XXXX  on XXXX, XXXX XXXX XXXX on XXXX and XXXX These inquiries violate FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which limits permissible purposes for accessing a consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint to formally dispute and request the removal of several accounts, charge-offs, and inquiries that appear on my credit reports without my authorization. These items do not belong to me and were reported erroneously, negatively affecting my credit and causing significant distress. 
Among the late-closed accounts inaccurately reported are XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}. These accounts violate FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires that disputed information be fully investigated, and FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ), which obligates furnishers to correct or remove information that can not be verified. 
The charge-offs reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$15000.00}, XXXX XXXX XXXX XXXX  with a balance of {$1700.00}, and XXXX XXXX XXXXXXXX XXXX with a balance of {$14000.00} were reported without the required IRS Form 1099-C for debts above {$600.00}, making them unverified under FCRA 607 ( b ). Additionally, XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00} is inaccurately reported as a charge-off and violates 605B / 15 U.S.C. 1681c-2 and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ). 
I am also disputing inquiries performed without my consent, including XXXX  on XXXX and XXXX on XXXX, XXXX  on XXXX XXXX XXXX XXXX  on XXXX, XXXX XXXX XXXX on XXXX and XXXX These inquiries violate FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which limits permissible purposes for accessing a consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I purchased a vehicle through Carvana, and my confirmed pickup date was scheduled for XXXX at XXXX PM. Carvana canceled my purchase at XXXX PM on XXXX barely an hour before my scheduled pickup. 

Because of this, I canceled family travel and vacation plans that had already been arranged around the confirmed pickup. Carvanas vague reasoning ( potentially false, misleading, or unverifiable information ) was never explained, and I was not given a fair chance to clarify or provide documents. 

This last-minute cancellation caused significant disruption and consumer harm. I request that the CFPB investigate Carvanas verification and cancellation practices, require transparency, and ensure consumers are not left harmed in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: PA

Complaint narrative:
This marks my continued effort to address persistent inaccuracies on my credit report. Despite my prior disputes, including the most recent investigation, I have found that numerous issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and present an incomplete and misleading portrayal of my financial responsibility. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am submitting this dispute and formally request a thorough and immediate reinvestigation of all disputed items. I expect each item to be carefully reviewed, corrected, updated, or removed as mandated by federal law to ensure the complete accuracy and integrity of my credit report. 
XXXX XXXX XXXX * * * * * * * * * * Balance : {$3400.00} XXXX XXXXXXXX XXXX * * * * * * Balance : {$3700.00} XXXX XXXXXXXX * * * * * * * * * * Balance {$1000.00} XXXXXXXX XXXX  XXXX * Balance {$23000.00} XXXX XXXX XXXX * * * * * * * * * * * * Balance {$30000.00} XXXX XXXX * * * * * Balance {$19000.00} XXXX XXXX  XXXX * * Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-09-06 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX XXXXXXXX XXXX XXXX  Balance {$3300.00} XXXX XXXX Balance {$3300.00} XXXX XXXX XXXXXXXX XXXX {$7300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX XXXXXXXX XXXX XXXX  Balance {$3300.00} XXXX XXXX Balance {$3300.00} XXXX XXXX XXXXXXXX XXXX {$7300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am disputing a rental debt reported by Hunter Warfield , Inc. in the amount of {$1000.00}. I requested validation of this debt, including the original signed lease, itemized charges, proof of assignment, and verification that Hunter Warfield has legal authority to collect and report it. To date, none of this information has been provided.

Despite my dispute through XXXX, this account continues to appear on my credit report without proper validation, which violates the Fair Credit Reporting Act ( FCRA ) 609 and 611. 

The recent XXXX  data breach further raises concerns that inaccurate or unverified data is being maintained and reported, putting me at risk of identity theft and financial harm.

This unverified account is damaging my credit, and I am asking the CFPB to ensure that Hunter Warfield and XXXX  either provide full validation or immediately remove the account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This acccount has been charged illegitimate late fees for ythe term of the loan and therefore incorreectly XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: CA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section XXXXB [ 15 U.S.C. XXXX ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required XXXX business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section XXXX [ 15 U.S.C. XXXXb ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

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 2025-09-06 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: PA

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. I request an immediate and thorough reinvestigation of the following items to ensure compliance with federal law. XXXX XXXX ; XXXX  XXXX ; XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX Balance XXXX ; XXXX XXXX Balance XXXX ; XXXX XXXXXXXX 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 2025-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
To Whom It May Concern, I am formally disputing and demanding the immediate removal of the following negative items appearing on my credit report : Old Auto Loans ( unverified/obsolete accounts ) Unauthorized Hard Inquiries Collections Accounts Any Potential Negative Listings that are inaccurate, unverifiable, or not in compliance with federal law Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure that all information you report is 100 % accurate, verifiable, and current. The items listed above fail to meet these requirements.

Specifically : FCRA 604 No inquiry may appear without my written authorization.

FCRA 609 & 611 I have the right to request complete documentation proving the accuracy and validity of every item. If you can not provide it, the items must be deleted.

FCRA 623 You may not continue to report information that can not be verified.

15 USC 1681c-2 I am invoking my right to block information resulting from unauthorized use of my personal information. 

If you can not produce proper documentation ( signed contracts, itemized statements, or written authorization for inquiries ) within the required 30 days ( 4 business days for unauthorized identity-related items ), you must delete these accounts and inquiries from my credit file immediately. 

Failure to comply will leave me no choice but to : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General Pursue legal action for damages caused by negligent or willful noncompliance with the FCRA This is a final notice. I expect written confirmation of deletion within 30 days.

Company response to consumer: Closed with explanation