vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: MI

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 2025-12-03 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Summary of the issue : I am filing a complaint because a fraudulent charge from XXXX XXXX XXXX was made to my card, and both BJs and my bank denied my dispute even though this was clearly an unauthorized transaction. 

What happened : On XX/XX/XXXX, my card was charged {$65.00} for a XXXX membership. I have never opened a XXXX  membership, do not have an account with them, and did not authorize this transaction. 

On XX/XX/XXXX, I contacted XXXX  to dispute the charge. Multiple XXXX associates through phone and chat told me that I would receive a refund. Despite this, no refund was issued. My bank ( Chase ) later informed me that XXXX denied the claim. 

The card used does not match the name of the XXXX account holder, and XXXX has acknowledged verbally that the charge was not mine. This is unauthorized use of my payment information. 

Why I am seeking help : My bank denied my unauthorized-transaction claim even though this transaction fits the definition of fraud under Regulation XXXX ( for debit cards ) or Regulation Z ( for credit cards ). I followed all dispute steps, but no one is taking accountability, and I am now being forced to pay a charge I did not authorize. 

What I want : A full refund of {$65.00} Confirmation that the merchant ( XXXX ) is not allowed to charge my card again A proper investigation into the unauthorized transaction A review of why my bank denied protection for a fraudulent charge My situation now : I feel stuck because the merchant promised a refund but denied it, and the bank is siding with them despite clear evidence that I did not authorize this transaction. I am requesting CFPB assistance in resolving this fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank closed my deposit account and issued a Closeout Disbursement check for my remaining balance. The check details are : Check # XXXX, dated XX/XX/year>, payable to me ( XXXX XXXX XXXX XXXX, in the amount of {$7800.00}, with the memo XXXX XXXX. 
I deposited this check into my account at XXXX XXXX XXXX XXXX on XX/XX/year>. The deposit posted as a branch deposit for {$7800.00}. On XX/XX/year>, XXXX XXXX reversed the deposit as an Adjustment XXXX for {$7800.00} after Citibank placed a stop payment on that same closeout disbursement check. XXXX XXXX confirmed this to me in secure chat and provided the check number and amount. 
I also received a letter from XXXX XXXX XXXX XXXX dated XX/XX/year> ( referencing XXXX Case # XXXX and CFPB Case # XXXX ) stating that if there were any funds that belonged to me at the time of closure of my Citi account XXXX Citibank would issue an official check for the balance and mail it to me. Citibank did issue the closeout disbursement check, but then stopped payment after I deposited it and has not re-issued my funds or provided any valid explanation. 
As of today I have received no payment of my account-closing balance and no written explanation for the stop payment. Citibank closed my account, issued the closing check, allowed me to deposit it, and then blocked the payment, leaving me without access to my own funds. 
I am requesting that the CFPB require Citibank to : Release and pay my full account-closing balance of {$7800.00} ; and Provide a clear written explanation for why a stop payment was placed on my closeout disbursement check after it was issued and deposited.

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 monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
Cash App account fraudulent activities include money transfer requests from my Cash App account to my checking account at Bank XXXX XXXX. I block each vendor after a transaction is completed and unblock the vendor if I require another transaction. There are only XXXX contacts for sending and receiving money. My son is XXXX and a former partner is another. All fraudulent transactions have been done by using digital wallet card numbers issued to me by Bank XXXX XXXX. These digital card numbers are issued to the customer by Bank XXXX XXXX for use until a physical debit card replacement is received via usps mail. I never used because these digital card numbers because I dont know how. I have other means by which to financially support myself during the typical 7 day wait period for the new debt card. 
Every fraudulent transaction was done by using the Bank XXXX XXXX XXXX wallet card number ending in XXXX. This card was never used by me to set up or link with my Cash App account. The card number ending in XXXX has been hacked from other personal sources. When I contacted Cash App about the questionable transactions, Cash App representative told me to XXXX Bank XXXX XXXX since my linked checking account is with them. I did this and Bank XXXX XXXX could not find the fraudulent debited transactions. There were no debits from card ending in XXXX however my account did reflect the debited amount in my balance as coming from a Cash App request for money transfer to Cash App account. Further, there is a negative balance for my Cash App account. And my account is currently inactive. To further raise suspicions my sons Cash App statements are listed and visible on my individual Cash App account. Why? The second contact also has a Cash App account however his statements are not listed nor visible on my individual account. 
The discrepancies are convoluted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
XXXX has inaccurately serviced my federal student loans. My balance is incorrect, payments and interest appear misapplied, and I received false or misleading information from representatives that caused financial harm. My credit was negatively affected due to inaccurate reporting. 

These issues are consistent with the ongoing lawsuits and investigations involving XXXX, including XXXX XXXX MOHELA and AFT vs. MOHELA, which identify similar patterns of borrower harm, inaccurate servicing, failure to apply discharges, and loss of payment history. 

I am requesting a corrective audit, accurate reporting, and full remediation of any errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
This XXXXCitibank account is being reported inaccurately across all three credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ).

1. The balance reported ( {$900.00} ) does not match the original Citibank XXXX statement I have from 2020, which shows a significantly lower balance ( {$610.00} ). Reporting an inflated amount violates FCRA 1681e ( b ) duty to report accurate and verifiable information.

2. The account is being re-aged. 
The account was closed/charged off in XXXX, but the bureaus are showing new activity dates in XXXX. 
Changing the date of last activity to make a debt look newer is illegal re-aging, prohibited under FCRA 623 ( a ) ( 5 ).

3. The payment history reporting is inaccurate.

Payment history shows multiple late markers far beyond the date the account was closed, which is impossible.

This demonstrates a failure to maintain maximum possible accuracy.

4. The account status and data fields do not match across TransUnion, Experian, and Equifax.

Different dates Different remarks Different status codes Different high balances Furnishers must report consistent, accurate, complete information. They are not.

5. I have disputed this account multiple times and Citibank/XXXX has failed to correct or properly investigate, violating FCRA 1681i ( failure to conduct a reasonable reinvestigation ).

Requested Action : Full deletion of the XXXXCitibank tradeline from all credit bureaus due to repeated inaccurate reporting, illegal re-aging, and failure to correct errors. 
Written confirmation once completed.

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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio Recovery Associates is reporting a collection and never verified the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Since around XXXX this company has called me every day multiple times a day even before and after normal hours. The last time I answered was XXXX and I asked them to provide details on this debt. They sent me a small screenshot of my name and social security number with an amount owed. It seems like a scam but I strictly told them to stop contacting me and if it was real to send me a letter or take me to court. I also told them they could put it on my credit report but they refuse to. They call me multiple times a day and they have texted me in the past saying they were outside my house along with other threats. This isnt even my debt since I never took out a loan like they are describing. Its invasive and annoying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-12-03 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: CA

Complaint narrative:
On XX/XX/year>, my Cash App account was used to send multiple small unauthorized transfers to XXXX Cash App profiles I do not know. 
I did not authorize these payments, approve these users, or give anyone access to my account. 
These small transactions added up to a total of {$4600.00}. 
Once I noticed the pattern, I immediately contacted Cash App and reported the transfers as fraud. 
Cash App closed my dispute without explanation and keeps sending the same generic denial, without addressing the fraud or providing any documentation showing the transactions were authorized. 
I have repeatedly asked for proof of authorization, details of their investigation, and an explanation of how these unknown users accessed my account. 
Cash App has refused to provide any evidence or conduct a proper review. 
I am requesting a full investigation and reimbursement of the {$4600.00} in unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: LA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting involving three companies : XXXX, XXXX XXXX XXXX, and XXXX  XXXXSynovus Bank . 

My credit report shows a collection account reported by XXXX XXXX that is being reported with an incorrect and re-aged Date Opened of XX/XX/XXXX. The original creditor account from XXXX XXXX/Synovus shows the last payment occurred in XXXX. This means the collection agency is reporting a false date and re-aging the debt, which violates FCRA 623 ( a ) ( 5 ). XXXX is also reporting a past-due amount, which a collection account is not permitted to report. XXXX XXXX XXXX/Synovus account was charged off years ago, but it is still showing a balance and a past-due amount even though the debt was sold. When a debt is sold, the original creditor must report a XXXX balance. Instead, both the original creditor and XXXX XXXX are reporting the same balance, which results in duplicate reporting and an inaccurate representation of the debt. 

I contacted XXXX  and requested verification, including the Date of First Delinquency, the method of verification, and the investigation results. I was told a supervisor would call me back within three days, but no one ever contacted me. XXXX did not provide any of the requested information and did not correct the inaccurate reporting. XXXX  failed to conduct a reasonable reinvestigation as required under FCRA 611 and continues to report information that is inaccurate and can not be verified.

These errors are affecting my credit and need to be corrected immediately. I am requesting CFPB assistance to compel the companies involved to delete the inaccurately reported accounts, correct the reporting, and provide proper verification as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully submit this letter as my formal dispute of the accounts listed. I have no relationship to them and did not authorize their establishment. Please remove and review accordingly. Documentation is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I attempted to purchase airline tickets through XXXX using my Cash App card for a total of {$2100.00}. Due to the amount, the transactions were flagged as potentially suspicious. As a result, XXXX declined the transaction, and the merchant rejected the payment, even though it was legitimate. 

XXXX XXXX, however, placed a pre-authorization hold of {$1100.00}, which appeared as a pending transaction on my account. Despite this, no funds were actually collected, and no itinerary was issued. Neither I nor my five family members are listed for any flight. 

On XX/XX/year>, I contacted XXXX, XXXX XXXX, and Cash App to resolve the issue. Both XXXX and XXXX XXXX confirmed that the transaction was canceled and that no funds were collected, meaning there is nothing for them to release.

Cash App, however, continues to hold the {$1100.00}, claiming it may not be released for 10 days, despite this being an erroneous pre-authorization hold. I requested escalation to a supervisor, but no one responded. Cash App has attempted to place the blame on the merchants, even though both XXXX and XXXX XXXX confirmed the cancellation.

Because the funds were never collected by the merchant, the Cash App pre-authorization hold is entirely under their control and should be released immediately. The continued withholding of my funds is causing significant financial hardship, as I am unable to access money that is rightfully mine.

I am seeking assistance from CFPB to prompt Cash App to immediately release the {$1100.00}, as the delay is unnecessary, unreasonable, and unlawful under federal electronic fund transfer regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
( CFPB-Approved, Powerful, XXXX XXXX to XXXX ) Experian is reporting my XXXX auto XXXX as unconnected, inactive, or closed when it is an active, open auto loan. This causes the loan to disappear from my Experian report and blocks me from accessing or managing it in the Experian system ( No active loan, Loan balance, Connect your loan errors ). I already requested verification and correction from Experian, but they did not fix the inaccurate reporting. Experian is also reporting an XXXX collection that has conflicting or unclear ownership and was not properly verified. These reporting failures are harming my credit, blocking lenders, and preventing accurate account status. I need Experian to correct these errors, verify the true creditor information, and restore accurate reporting immediately.

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