vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
On XX/XX/year> I received a notification that a transaction was made from my account, I contacted the cash app company and reported that the transaction was not authorized and the account had been hacked. 
I was informed the hacker was blocked, They also refunded me the transaction amount and stated that I need not worry moving forward. 
Then on XX/XX/year> my account was hacked again with 4 other unauthorized transactions for a total of {$770.00} This time the hacker also removed all my personal data and locked me out of the account, When I contacted the cash app company it took talking to several representatives to reach one that was able to locate and recover my account, He removed the hackers information and re installed all my personal data. 
once the account was recovered he then helped me file a dispute and a fraud investigation. 
I was advised that they would refund the fraudulent transactions shortly, However they sent me an email and stated they did not see any fraudulent activity. 
I spoke with them and emailed them many time to resolve this matter but they insist no fraud took place, When I asked how they can state that no fraud took place when they had to help recover the account and and also 2 days prior they issued a refund, they will not explain Not sure how much clearer this can be when they had to help recover the account and and 2 days prior they issued a refund for the same hacker, we also know it was the same hacker as he name was on all the transaction and also that he is located somewhere in the state of Califonia

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THIS ACCOUNT IS NOT FRAUDDLENTTHIS ACCONT WAS PAID IN FULL FOR XXXX  AND IT should be reporting as PAYED IN FULL! NOT XXXX FRAUD THIS IS NOT FRAUD THIS NEEDS TO BE UPDTAED AS PAYED IN FULL I DONT OWE THEM ANYTHIGN I XXXX PAYED THE XXXX ACCOUNT!!!!!!!!!! MY EXPERIAN should reprot as i payed it i have receipts i lincluded reipts i included bank statmenets of that transaction going out of my bank accoutn and also a letter from XXXX  HEADQUARTERS SAYING THE ACOUNT WAS PAID IN FULL! 

UPDATE MY EXPERIAN its been 9 months now!

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-24 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 am submitting this dispute because there are items on my credit reports that I believe are inaccurate, incomplete, or not properly verified. I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) to ensure all information being reported about me is 100 % accurate and verifiable. 

Inquiries XXXX XX/XX/year> This inquiry is unfamiliar to me. Please validate its authorization with legally required documentation. 

Late Payments XXXX XXXX XXXX  Account # : XXXX I dispute this late payment as inaccurate. Please provide full verification records.

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 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On the morning of XX/XX/XXXX while I was at work I received a notification that my XXXX XXXXalance threshold had reached below {$25.00}. Seeing this, I panicked and checked my account, which is when I saw that there had been three consecutive ATM withdrawals from a XXXX in XXXX XXXX, after seeing this, I turned off access to my card and proceeded to contact XXXX services. Once in contact I spoke with a gentleman who processed my dispute and took down some information about my details and asked l if I had given access to someone. My answers were no and he told me that I would be sent an email. Being distraught as this was my first paycheck and my daughters birthday- I had been out of work for 4 m.o and was very behind on my bills I was not thinking clearly. Upon going home my husband reminded me that this has happened in XXXX at my last job and first paycheck. Both times, the day after receiving direct deposit- someone went into a XXXX XXXX XXXX XXXX and withdrew money using a card with my credentials and my pin. When this happened in XXXX, XXXX  did the same thing which was closing my debit card and sending me a new one. Upon this realization I did a web search that stated that I should file a police report. But I could not because the crime happened in a city I am not a resident of. I was prompted to file a report with identity theft.gov. After completing the application, it said that I needed to contact the company and ask if they were going to credit my account. When I contacted XXXX they told me that one they could not close my account because thats how I would get my refund, and that it was still being processed and could not promise me a refund. I told them about what had happened before and that this was very similar. I asked if my account was secure, they told me it was just my debit card that was affected. I called them on Saturday and on Monday morning I received a denial from them on my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-24 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 consumer who is actively trying to fix my credit. I am disputing the accounts listed below because they appear inaccurate, inconsistent, or unverifiable across the credit bureaus. I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). Any account or information that can not be fully verified must be corrected or removed. 
Charged-Off Accounts XXXX XXXX XX/XX/XXXX {$450.00} XXXX XXXX XX/XX/XXXX {$11000.00} Inquiries ( No inquiries reported ) Late Payments XXXX XXXX XXXX XXXXXXXX

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 2025-11-24 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMEX business gift card was called by me on XX/XX/year> and I informed them of two transactions I wished to dispute. They said to call back on XX/XX/XXXX and receive credit. 
I called today and XXXX different answers to my question when will you credit my account. 
I have a case number : XXXX that is worthless for online checking out my account because their website is always down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I submitted the transfer ( on-line ) on the XXXX XXXX XXXX XXXX an admin error caused a delay of 7 days, I contacted Navy Fed . and advised i must submit an email with the transfer. After numerous calls & numerous verifications I still can not get an answer from anyone at Navy Fed. the funds have not been moved as of this date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I applied for a personal loan in the amount of {$4000.00}. I was erroneously denied the personal loan despite my good credit status as well as on-time payments. I mailed a dispute to PNC bank and they received it on XX/XX/year> and I have yet to hear a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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 disputing the following charged-off accounts because they contain incomplete, inaccurate, or unverifiable information. I am requesting a full reinvestigation under the FCRA to ensure all data reported is accurate, complete, and verifiable. 

Charged-Off Accounts ( XXXX ) XXXXXXXX XXXX XXXXXXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$52000.00} XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} XXXX Acct : XXXX XXXX : XX/XX/XXXX Balance : {$4100.00} XXXXXXXX XXXX  Acct : XXXX Opened : XX/XX/XXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im reaching out because the reported late payment is incorrect. I made the payment on time, and I have no record of any delay or missed deadline. This appears to be an error, and I kindly request that it be reviewed and corrected. Ive consistently managed my payments responsibly, and I appreciate your help in resolving this mistake.

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 2025-11-24 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:
THIS IS A CORRECTION TO MY PRIOR CFPB COMPLAINT ( Case ID : XXXX ). 

TransUnion falsely stated that my previous dispute did not come from me or someone I authorized. 
This is factually incorrect. 

I, XXXX XXXX, personally filed the complaint and submitted : My government-issued ID Proof of address My FTC Identity Theft Report My written statement All dispute documentation All of these were included in my original CFPB filing. 
TransUnion used a false claim to avoid properly investigating identity-theft-related accounts, mixed personal information, and reporting errors. 

This violates : FCRA 611 ( a ) Failure to reinvestigate FCRA 607 ( b ) Failure to maintain maximum possible accuracy CFPB rules prohibiting deceptive responses FCRA 623 ( b ) Furnisher duty to investigate I did NOT authorize TransUnion to classify my dispute as submitted by someone else. 
This is an inaccurate excuse and prevented the proper investigation of fraudulent accounts on my report. 

I am requesting that this complaint be formally corrected and treated as a continuation of my prior dispute.

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 2025-11-24 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian advertises that you can call XXXX and freeze/unfreeze your credit report. But it doesn't really work. If the computer can not help you, it just hangs up on you. You can not talk to a real person and unfreeze your account using this number. The computer just directs you back to the website where you started. You have XXXX choices XXXX ) go back to the website where you started, or XXXX ) hang up.

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 2025-11-24 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 submitting this dispute because there are items on my credit reports that I believe are inaccurate, incomplete, or not properly verified. I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) to ensure all information being reported about me is 100 % accurate and verifiable. 

Inquiries XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries appear inconsistent with my records. Please validate their permissibility and provide proof of authorization. 

Late Payments XXXX XXXXXXXX XXXX  Account # : XXXX This late payment is inaccurate. I am requesting full verification, including payment history records and timestamped documentation.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2025-11-24 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
In XX/XX/2024, I ordered an XXXX XXXX XXXX XXXX through Apple ( Order XXXX ), financed through XXXX Apple shipped the phone via XXXX on XX/XX/2024 ( XXXX XXXX ). The device was never delivered to me. 

Because I never received the device, I could not complete the required trade-in. However, on XX/XX/1415, Apple Card charged me {$690.00} for the trade-in that I never completed and could not complete. 

Apple customer service and supervisors confirmed in their internal notes that the phone was never delivered, never activated, and never returned to Apple. XXXX also refused to provide delivery details because Apple is the shipper. I later filed a police report with the XXXX XXXX XXXX confirming that the package was missing or stolen in transit : XXXX XXXX XXXX XXXX # : XXXX Despite this, Apple has refused to reverse the {$690.00} charge or reopen the investigation, stating that too much time has passed, even though I have documentation showing the device never arrived. 

I have attempted multiple times to resolve this with Apple, but they have not corrected the charge or provided any documentation needed to clear the issue with XXXX 

I am requesting that the {$690.00} Apple Card charge be reversed and that Apple be required to properly review the lost-in-transit case, as the merchandise was never received

Company response to consumer: Closed with explanation