vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: PA

Complaint narrative:
since XX/XX/XXXX i have not been able to use my cashapp account. I had to close my old account due to being locked out of my old email so i had to close the cashapp account with that email and open a new account with my new email. Since then i have ordered a new card and i cant even set up the new account or the card because they are saying that i did something against their rules. i didnt know that it was against their rules to close out an account and open a new one. I have heard nothing back from cash app the last thing i heard from them was XX/XX/XXXX of this year and i have not heard anything since then. They should have to tell me what i did wrong and why i cant use my brand new account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately.

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with 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 explanation
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately.

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I made 2 transfer via Capital One app to my external bank account. Unfortunately, the app wasn't doing the work it was supposed to but accidentally transferred more money from my Capital One bank account. Instead of two transfers, there were three transferred and the last one wasn't able to be cancelled so I accepted it and expected to have three actual transferred transaction from my external bank account. Unfortunately, weeks went by, I've only seen 2 successful transfers shown up on my other bank account and missing 1 transfer which was made in error but I accepted anyway. I had received the email from Capital One mentioning that the last transfer was returned by my external bank account and it should be back to my Capital One and the rep I called on the phone mentioned my external bank rejected my last transfer anyway because of fund issue. I have been trying to explain so many times to Capital One about what happened, they promised that the transfer would be resolved and found the evidence. However, just now on XX/XX/year> after filing the claim to Capital One for the rejected and unsuccessful transferred on XX/XX/year>, Capital one denied the claim for the {$1000.00} without further detailed evidence showing from my external bank that the money was not successfuly transferred and the fund of the last transfer would not be returned to my account. How could I provide the evidence there wasn't a 3 transaction of transfer activity but only 2 on my external bank account? I was disappointed for what happened on this matter and seeking a reasonable solution and proper explanation about the wrongful determination/investigation Capital One bank was made. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Information Solutions XXXX XXXX XXXX XXXX. XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ________________________________________ Subject : Identity Theft Dispute Request for Investigation and Removal of Fraudulent Accounts Dear XXXX, I am writing to formally dispute inaccurate and fraudulent information that appears on my credit report. I am a victim of identity theft, and certain accounts, personal information, and inquiries listed in my credit file are not mine.

Here is a list of the inaccurate or fraudulent information I would like removed or corrected : ________________________________________ Fraudulent Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Suspicious or Unknown Addresses : 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 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 ( Note : These are not current or prior addresses of mine ) Fraudulent Accounts I Did Not Open : 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX Collection XXXX XXXX XXXX ) 3. XXXX XXXX XXXX  Collection ( XXXX ) 4. XXXX XXXX XXXX XXXX XXXX 5. Any other accounts opened under stolen information ________________________________________ These entries are inaccurate and the result of criminal activity. I did not authorize any of these accounts or name/address variations. 
I am requesting that your agency/company immediately : 1. Investigate and remove all inaccurate and fraudulent information.

2. Block and suppress any fraudulent accounts per the Fair Credit Reporting Act ( FCRA ) Section 605B.

3. Provide me with an updated copy of my credit report once the corrections are made.

________________________________________ Attached Documentation : ________________________________________ Please acknowledge receipt of this dispute and keep me informed of the investigation status. Under FCRA, I expect a response within 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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XX/XX/XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XX/XX/XXXXXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit Im management has sent a lettter saying they Attorney review after being as to cease communication.,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: IL

Complaint narrative:
filed disputes with Chime Financial for three hotel charges that appeared as XXXX XXXX XXXX XXXX XXXX. 

There is no XXXX, XXXX and the actual business is University XXXX XXXX XXXX, XXXX  ( XXXX XXXX XXXX XXXX ), which is not affiliated with XXXX XXXX This is merchant-identity fraud and overbilling. 

Chime acknowledged the problem and issued a provisional credit for one night but denied the other two ( {$90.00} and {$92.00} ) after allegedly contacting the merchant. They produced no evidence or written rationale as required by 12 CFR 1005.11 ( d ). 

I also provided GPS location screenshots proving I stayed at that Illinois address and advertised-rate screenshots ( {$57.00} + tax {$65.00} ) showing the overcharge. 

Chimes denial cited my unrelated XXXX transfers as a reason to close the case, which violates 1005.11 ( c ) ( 1 ) because each incorrect electronic fund transfer must be investigated individually. 

I am requesting CFPB intervention to compel Chime to reopen the case and credit the remaining {$180.00} ( {$90.00} + {$92.00} ) plus confirm compliance with Regulation E timelines ( 10-day acknowledgment / 45-day resolution ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On XX/XX/year>, my vehicle was repossessed by Ally Financial. I am the legal owner with a lien-free title. XXXX XXXX, acting as the towing/repo service, refused to release my vehicle despite full proof of ownership and multiple requests for its immediate return. 

As of XX/XX/year>, I have been without my vehicle for XXXX days, causing serious disruption and hardship. Their continued inaction is unlawful and unacceptable. I request immediate CFPB intervention to ensure my vehicle is returned without further delay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: MN

Complaint narrative:
I've contacted them multiple times and still have not got a reply or answer yet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXe XX/XX/XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: Source Receivables Management LLC
State: NJ

Complaint narrative:
In XX/XX/year>, XXXX  reported a collection account that I did not open, authorize, or recognize. I disputed this account, but XXXX  marked it as verified without providing documentation or proof of ownership. 

The same account was reported to XXXX. After my dispute, XXXX  removed the account, indicating it was unverifiable. Despite this, XXXX  continues to report the account as valid. 

I request that XXXX  conduct a proper reinvestigation, delete this account from my credit report, and provide written confirmation of correction. Attached are my full reports from XXXX  ( before and after deletion ) and the XXXX  dispute report showing verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: KY

Complaint narrative:
Please remove debt collections AARGON AGENCY INC as they were paid in full on XX/XX/year> and Im still receiving phone calls from the debtors. I paid the original debtor which was the XXXXXXXX XXXX XXXX and Im still receiving calls and the debt was paid in full. Please remove the debt from my credit as it has been satisfied

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-10-17 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: AR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc.
State: AR

Complaint narrative:
We filed for bankruptcy on XX/XX/year>. A copy of the bankruptcy was sent to them on XX/XX/year>, XX/XX/year>, and again on XX/XX/year> when they were trying to put through repayment to my checking account. I notified them through their contact form on all 3 occasions and 3 times spoke to them by chat, even giving them the bankruptcy case #. As soon as I did, all 3 times, they disconnected the chat and refused further attempts to speak with someone. Since that time, they have attempted to put the deduction through my checking account 7 times. 5 in the last 24 hours. Due to this, when my direct deposit hit my account I was forced to open another account with a different banking institution so that I could protect what I needed to during our bankruptcy. They are refusing to adhere to the stay for a debt that will be discharged in our bankruptcy.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation