vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: Block, Inc.
State: NY

Complaint narrative:
My account was comprised as I have a balance of XXXX in my account money was never taken out because the account was locked I guess so when I was able to regain access to my account I tried to add my card and withdraw all my money cash app is has been holding my money for weeks after me explaining to them I need my funds for bills and to take care of my children. NO one has reached out and said anything to me as of yet XXXX complaining all across every platform XXXX XXXX cashapp email everything they continue to tell me they have no information for me right now and that I will be updated when they have more information. This has been the most stress I ever had trying to gain access to my OWN Legal money. I have not violated any of their terms I have a business account and I have provided them with every single documentation theyve asked for which includes XXXX Id picture and debit card and even uploaded my cash app card. Ive verified my self through the app and Ive been waiting so long for my account to be fixed its absolutely no way they are just going to continue to tell me the same thing over and over. I tried to add a card to my account which I have never done I had a cash app card and a error pops up saying that I have to add a previous card or bank account when Ive never added any of my bank cards or accounts to cashapp. Someone please help my cashtag is $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: JDJ Investments, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Re : Debt Validation, Cease and Desist, and Request for Assignment Contract Dear CBS COLLECT ( CREDIT BUREAU SERVICES ), I am writing in response to your recent communication regarding an alleged debt associated with account number # # # # # 91. Please consider this letter a formal request for the following : Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide valid documentation to substantiate the existence of this debt, including but not limited to : The original creditors name, The amount of the debt, A detailed statement showing the charges and any interest applied, Proof that you have the legal right to collect on this debt. 
Cease and Desist : Effective immediately, I request that you cease all communication with me regarding this alleged debt, whether by phone, email, or mail. Please note that this request is made pursuant to the FDCPA and applies to all future communication, unless required by law or a court order. 
Request for Assignment Contract : If you claim to be the assignee or holder of this debt, I request a copy of the original assignment contract or agreement that grants you the authority to collect this debt. Please provide this documentation for my review. 
Please be advised that failure to provide proper validation or documentation within 30 days of receipt of this letter will result in my assumption that this debt is invalid and will be subject to dispute. Furthermore, any continued attempts to collect this debt without providing the requested documentation may result in legal action.

Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I am attempting to open a business checking and saving account with your company in order to build a long lasting relationship and I was denied access. I applied on XX/XX/year> and my companys name is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> I reached out to the bank about an ACH NSF transfer debited from my account illegally, the first attempt was with cash app services was debited to my cash app account on XX/XX/year> and then the second attempt was on XX/XX/year> with a different bank. After filing several attempts to have my money returned cash app has still refused to cooperate and refund the {$20.00} unauthorized transaction. Nonetheless, I spoke with the bank on XX/XX/year> because I noticed that another attempt was made on XX/XX/year> in the amount of {$20.00}. After further investigation the bank had forward the claim for the credit and did a check tracer on the transaction. It was determined that these transactions had been coming from an unknown source. This unknown source is said to be 53rd bank with I have no association with this company. However, I learned that the bank is known for making/ creating fake accounts. The bank is not local and most of these branches are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: AL

Complaint narrative:
XXXXXXXX XXXX simply repossessed and sold my car for XXXX $ on XXXX XXXX. However, they stated that they can not remove this information from my credit report since the car is no longer mine and i still have a balance. Yet, They are reporting 2 different things on my credit report such as charged off fixed rate and on another report Profit loss and write off. Thats 2 different information on 2 different credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: AL

Complaint narrative:
XXXXXXXX XXXX simply repossessed and sold my car for XXXX $ on XXXX XXXX. However, they stated that they can not remove this information from my credit report since the car is no longer mine and i still have a balance. Yet, They are reporting 2 different things on my credit report such as charged off fixed rate and on another report Profit loss and write off. Thats 2 different information on 2 different credit reports.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXXXXXX XXXX simply repossessed and sold my car for XXXX $ on XXXX XXXX. However, they stated that they can not remove this information from my credit report since the car is no longer mine and i still have a balance. Yet, They are reporting 2 different things on my credit report such as charged off fixed rate and on another report Profit loss and write off. Thats 2 different information on 2 different credit reports.

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 2025-04-05 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:
I am reaching out to get help by the consumer financial protection bureau to help me reach out to experience, equitable and transition to remove a delinquency from my credit report that should not be on my report due to the account being closed and settled. XXXX XXXX XXXX aka XXXX XXXX. Please help 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 2025-04-05 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: DE

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : diversified adjustments Account number : # # # # # # 45 Account name : XXXX XXXX XXXX XXXX XXXX Account number : # # # # # # 61 has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
CFPB Complaint XXXX XXXX In late XXXX, I was targeted and financially exploited by XXXX XXXX ( XXXX, FL ) and their lender XXXX XXXX XXXX ( XXXX ). I am disabled and live on a fixed income of XXXX XXXXXXXXmonth. 

On XX/XX/XXXX, I was pressured into a second vehicle trade-in I did not request. XXXX XXXXXXXX submitted a credit application on my behalf, inflating my monthly income to {$6300.00} without my consent or documentation. This resulted in a {$71000.00} loan I never could have qualified for under truthful financial terms.

I was later rushed through a re-signing session and unknowingly had 7 unauthorized warranties totaling over {$10000.00} added to my loan. Finance manager XXXX XXXX admitted this but never corrected it. He also told me dealers are allowed to inflate income by 25 %. I pointed out mine was inflated nearly 60 %, at which point he went silent. The sales manager involved, XXXX, was later terminated. 

In XXXX, I discovered my XXXX account had been changed to reflect a new {$60000.00} loan with no signed contract. XXXX admitted on XX/XX/XXXX, that no signed agreement exists, yet they are still holding me financially responsible for payments of XXXX XXXXXXXXmonth. The loan was backdated to a XXXX signature from the original XXXX XXXX loan, which I never authorized for the new amount. 

I have posted numerous complaints through XXXX secure customer messaging portal. My early complaints were either ignored or closed without action. For months, the only response I have received is : We are looking into this matter. No resolution or documentation has ever been provided.

I have submitted complaints to the FTC, SAG, XXXX, and DOJ/ADA . I am requesting an urgent investigation, loan reversal, refund of all unauthorized charges, and protection from further credit or financial harm.

I have documentation and recorded admissions from XXXX staff and can provide proof upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting an identity theft report regarding unauthorized inquiries that have been made on my credit report. These inquiries were not authorized by me and should not be associated with my credit profile. The unauthorized inquiries are as follows : XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I am requesting that XXXX immediately remove these unauthorized inquiries from my credit report. 

Attached is a copy of my identity theft report for your review and reference. Please complete a reinvestigation of this matter and provide me with the results of your investigation in writing within 30 days.

Also please remove employer XXXX from my report.

Thank you for your prompt attention to this matter. Should you require any additional information, feel free to contact 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 non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My full correct name is XXXX XXXX XXXX the proper address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX they keep reporting names that are not mine and addresses Ive never lived at they remove them it returns I have been a XXXX for 20 years and lived in the same location

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My full correct name is XXXX XXXX XXXX the proper address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX they keep reporting names that are not mine and addresses Ive never lived at they remove them it returns I have been a XXXX for 20 years and lived in the same location

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: TN

Complaint narrative:
I am disputing several inaccurate and potentially fraudulent items on my Experian credit report. These accounts are either not mine, contain false information, or are outdated. I have already disputed some of these accounts with Experian, but they remain unresolved or continue to report incorrect data. 



The accounts in question include : XXXX XXXX XXXX XXXX : I do not recognize this account, and I never authorized any charges from this provider. 

XXXX XXXX : This was previously disputed. I did not open this account, nor was I notified of any debt.


Multiple TN Child Support entries : Several child support accounts are listed, some with balances exceeding {$30000.00}, which I believe are incorrect or misreported. One even shows a {$0.00} balance yet is still negatively affecting my report. These incorrect listings are damaging my credit and have resulted in denied opportunities and financial stress. I am requesting an immediate investigation and removal of all unverifiable or inaccurate items.

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 2025-04-05 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am disputing the reporting of an American Express account ( ending in XXXX ) on my credit file. A closed or canceled account should be inactive and not subject to collection activity ; however, this account has been falsely reported as delinquent/derogatory for over two years. Despite its inactive status, American Express and XXXX continue to report it as activewith inexplicable fluctuations of +55 % to -55 % in a short durationraising serious concerns about the accuracy and integrity of my credit information.

Furthermore, the investigation into this matter has taken far longer than the required 30 days, and I have repeatedly notified both companies of these reporting errors and violations of my consumer
rights. I believe that American Express and XXXX are colluding to degrade my credit reputation, thereby benefiting from an alleged bad credit status.

I also contend that the contract underpinning this account is null and void ab initio, as it is based on fraudulent activity and identity theft. I demand that American Express provide proof of the valid license that permits them to collect any alleged debts. I do not consent to this contract or any associated collection practices and request that all reporting related to this fraudulent account be ceased immediately.

I appreciate your prompt attention to this matter and look forward to a resolution that corrects these significant errors.

Investigation isnt completed if the violations are still present.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: IN

Complaint narrative:
Third Party collection attempting to collect a debt that I do not owe to them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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:
PLEASE I NEED YOUR HELP AND ASSISTANCE IN REMOVING FRAUDULENT ACCOUNTS REPORTING ON MY CREDIT FILE, I AM A VICTIM OF HUMAN TRAFFICKING UNDER 605C AND THESE ACCOUNTS ARE FAKE.

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 2025-04-05 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I am filing a formal complaint against Home Depot for a serious error that has already caused significant harm to my financial standing. 

On XX/XX/year>, I contacted Home Depot to inquire about increasing my credit line. During this call, I made it absolutely clear that I did not want a hard credit inquiry conducted. I was assured by the representative that no hard pull would occur. Despite my clear instructions and lack of authorization, a hard credit pull was performed and subsequently reported on my credit report.

This unauthorized action by Home Depot is not just an inconvenienceit is a direct financial injury. I am currently in the process of refinancing my home, and this hard inquiry will negatively impact my credit score. As a result, I will face substantial financial damage, including increased refinancing costs and potentially higher interest rates due to this mistake. The financial loss caused by Home Depots negligence could amount to thousands of dollars.

I contacted Home Depots customer service, and the representative stated that they would dispute the inquiry with the credit bureaus, promising a resolution within 90 days. However, I am left with no way to directly follow up with Home Depot on this matter, and I have no assurance that this error will be corrected in time to avoid further financial consequences.

The negligence displayed by Home Depot is completely unacceptable, and I am seeking your immediate intervention to ensure that they take full responsibility for the damage theyve caused. I request that you forward this complaint to Home Depot and ensure they take immediate corrective action. I am entitled to compensation for the damages caused by their actions and would appreciate your assistance in resolving this matter as swiftly as possible.

Thank you for your urgent attention to this critical issue.

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