vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/year>, till, Now, XX/XX/year>XXXX  Cash App is charging me interest on an from XXXX  from XXXX XXXX XXXX XXXX  that I never made. It was returned back on my account. I contacted XXXX, you can not use Cash App Card with XXXX to begin with, fraudulent returned back. Check my Statements, Cash App, as I have requested several times. You keep denying my requests for something returned. Now, you are charging Past due fees, ENOUGH. I pay the Loans I take from you, one coming up on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XX/XX/year> XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute information on my credit report that I believe is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under the provisions of 15 USC 1681i ( 7 ). As a consumer, I have the right to ensure that my credit report is free from any erroneous or outdated information.

Upon reviewing my credit report from your agency, I have identified the following inaccuracies : Please list any specific inaccuracies, such as incorrect account balances, incorrect payment history, or outdated information. This misinformation is damaging my credit score and financial standing and may also be a violation of 15 USC 1681-I ( 7 ), which requires the accurate reporting of consumer information.

I request that you investigate these discrepancies and provide me with a written explanation of the results of your investigation, in accordance with the FCRA guidelines. I also request that the inaccurate information be removed from my credit report as soon as possible.

Please note that under the FCRA, you are required to complete the investigation within 30 days of receiving my dispute. Failur
e to comply with this timeline and correct any inaccuracies may result in further legal action.

I appreciate your prompt attention to this matter and look forward to receiving a written response within the specified time frame. I appreciate your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The XXXX major credit reporting agencies are reporting unauthorized fraudulent hard inquiries on my credit report. Please see attached dispute letter and attached ftc 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 explanation
Consumer complaint received 2025-10-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: Chime Financial Inc
State: PA

Complaint narrative:
XX/XX/2025 {$100.00} XX/XX/2025 {$380.00} XX/XX/2025 {$750.00} Filed a dispute with Chime bank dispute was denied Called XXXX XXXX  and they refused to handle my case told me to contact Chime

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: EQUIFAX, INC.
State: WY

Complaint narrative:
I am writing to formally lodge a complaint regarding Equifaxs failure to properly process my identity theft dispute submitted on XX/XX/XXXX. As part of that submission, I provided an Identity Theft Affidavit in compliance with the Fair Credit Reporting Act ( FCRA ) 605B, requesting the blocking of multiple fraudulent accounts that do not belong to me. 

Despite submitting the appropriate documentation, Equifax appears to have blocked only XXXX of the many unauthorized accounts listed in my affidavit. Upon reviewing my dispute results, I was shocked to see that the remaining fraudulent items were marked as " verified '' and left on my credit report. 

The following unauthorized accountswhich I affirm are fraudulent and should have been blockedare all student loans associated with the Department of Education, each reflecting a {$0.00} balance but falsely tied to my identity : Account ending in XXXX, opened XX/XX/XXXX Account ending in XXXX, opened XX/XX/XXXX Account ending in XXXX, opened XX/XX/XXXX Account ending in XXXX, opened XX/XX/XXXX Account ending in XXXX, opened XX/XX/XXXX Account ending in XXXX, opened XX/XX/XXXX Account ending in XXXX, opened XX/XX/XXXX Account ending in XXXX, opened XX/XX/XXXX Account ending in XXXX, opened XX/XX/XXXX Account ending in XXXX, opened XX/XX/XXXX Account ending in XXXX, opened XX/XX/XXXX These accounts are fraudulent, and their continued presence on my credit report constitutes a violation of FCRA 605B, which requires consumer reporting agencies to block such information within XXXX ( XXXX ) business days of receiving a valid identity theft report and supporting documentation. 

Additionally, under FCRA 611, I am entitled to a comprehensive reinvestigation of all disputed information. Equifaxs failure to block and properly reinvestigate these accounts suggests noncompliance with both federal obligations and consumer rights. Attached you will find the following supporting documents : A copy of my CFPB complaint number and ID Proof of address Social Security documentation My FTC Identity Theft Affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within XXXX business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within XXXX business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information 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
Consumer complaint received 2025-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I made my monthly auto loan payment through the Capital One mobile app. I authorized ONE payment for the amount due. However, the mobile app malfunctioned and duplicated my payment without my knowledge or consent, submitting TWO identical payment requests. 
The first payment successfully processed from my bank account on XX/XX/year>. The second unauthorized duplicate payment was returned on XX/XX/year> due to insufficient funds - I only had funds available for the single payment I had authorized. 
On XX/XX/year>, Capital One reversed the initial, intended payment and assessed a late fee of {$40.00} against my account. My account is now showing as past due, despite the fact that I made my required payment on time. 
I called Capital One 's customer service twice to resolve this issue. During the first call, the representative told me not to worry and that everything was fine. During the second call, I spoke with escalation manager XXXX ( employee number XXXX ), who claimed that I had requested the payment reversal, which is false. Capital One 's own transaction history clearly shows " Payment Reversed by COAF '' ( Capital One Auto Finance ), proving that Capital One reversed the payment themselves, not me. 
I have documentation showing : Capital One 's app records displaying two payment submissions on XX/XX/year> The payment return on XX/XX/year> The reversal by Capital One on XX/XX/year> The late fee assessment of {$40.00} on XX/XX/year> My bank statement showing only ONE payment was ever withdrawn from my account This entire situation was caused by Capital One 's mobile app malfunction. I made my payment on time and in full. I should not be penalized with late fees or negative account status for a technical error in Capital One 's system that I did not cause and could not control. I last spoke to Capitol One on Wednesday XXXX and they told me they were working to have this resolved within XXXX hours. It is now 4 days later and nothing has changed and I have not yet heard back from Capital One. I have 15 days before they report negatively to the credit companies, so I am feeling very uneasy. I also requested in writing the steps and timeline for resolution, but XXXX refused stating that this was something they could not do at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Closed my account with out permissions from me at Wells Fargo and un authorized transactions would not cash my checks getting robo calls clas action

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 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: AZ

Complaint narrative:
I received an email from XXXX XXXX with InDebted, on XX/XX/year> asking me how I would like to resolve my debt. I have never worked with the company they are trying to collect the debt from, nor does the person match my name. Somehow they have connected my email address to this person. Being that it was an email. I politely let them know that I was not the person they were looking for. XX/XX/year>, they sent me the same email asking again about the same debt. I do not know this company nor do I know the person whom they are trying to reach. The amount they say is owed is {$75.00} and they are collecting for a company called XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against US Bank regarding the handling of two disputed transactions related to XXXX. These transactions were supposed to be resolved in my favor, but they were denied by an analyst without proper communication. The transactions were in in series of XXXX. 

I was informed that the analyst would reach out to me regarding the decision ; however, I did not receive any contact or explanation for the denial. This lack of communication and failure to address my concerns has caused significant frustration and confusion. 

I urge the Consumer Financial Protection Bureau to investigate this matter to ensure that US Bank 's analysts department is held accountable for its lack of communication and that my disputes are reviewed properly. 

Thank you for your attention to this matter. I look forward to your prompt 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 explanation
Consumer complaint received 2025-10-05 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: Exeter Finance, LLC.
State: MS

Complaint narrative:
Exeter Finance Auto Loan ( Charged-Off ) Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance shown : {$17000.00} Opened : XXXX : XX/XX/XXXX but still reporting as derogatory CO Key Inaccuracies/ Violations Mixed status : XXXX shows Derogatory / CO Open XXXX XXXX shows Closed CO with lates inconsistent FCRA 623 ( a ) ( 1 ) ( A ). 

Date-of-Last-Activity XX/XX/XXXX appears much later than the actual default in XXXX possible illegal re-aging ( FCRA 605 ( c ) ). 

Payment-history grids differ ( XXXX shows none, XXXX  shows 30/60/90-day late streak ) Metro-2 non-compliance & FCRA 607 ( b ) .

Amount in dispute : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Dear JEFFERSON CAPITAL SYST I am writing in response to your recent communication regarding the alleged debt referenced above. This letter is a formal request for validation of the debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following information : The name and address of the original creditor. 

The amount of the alleged debt, including an itemized breakdown of interest, fees, and other charges. 

Copies of any documents bearing my signature that show I agreed to assume this debt. 

A copy of any judgment, if applicable. 

Proof that your company is authorized to collect debts in my state. 

Until the requested information is provided, please cease all collection activities, including phone calls, letters, or credit reporting related to this account. If you have already reported this account to any credit bureau, be advised that failure to validate the debt may constitute a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Please send all correspondence regarding this matter to my address listed above. 

Thank you for your attention to this request. 

Sincerely, XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: CT

Complaint narrative:
I am filing this complaint because Cash App permanently closed my account without justification, ignored my appeal, and provided contradictory information through multiple support channels. 
On XX/XX/year> my account was closed. I never received a clear explanation for this closure. 
I submitted an appeal, which XXXX support acknowledged and escalated ( Case # XXXX ), but the email support team repeatedly ignored or contradicted this information. 
At one point, support told me my account had been reactivated, but later confirmed via email that it was permanently closed. 
My account activity has been legitimate : I send money to family members, pay bills, and receive money from rideshare apps. I have never indicated any wrong activity, and Cash App has provided no proof that I violated their terms. 
Cash Apps actions have blocked me from accessing my funds and using a primary financial service I rely on for daily expenses. 
I request : Confirmation of whether my appeal was actually reviewed by Cash Apps compliance team. 
As well as, reinstatement of my account or a clear explanation and documentation supporting the permanent closure. 
Assurance that Cash App does not assume or act upon unverified suspicions without proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I dispute the XXXX XXXX XXXX XXXX account on my credit file in its entirety. This account is reported as a charge off with a deficiency balance. This auto loan has a " XXXX XXXX XXXX '' of {$2.00}, XXXX and a " XXXX '' of {$2600.00}. The " Date of XXXX Delinquency '' is XX/XX/2021. The reporting of a balance on a charged off account is inaccurate. More critically, for an auto loan that likely resulted in repossession, the creditor must adhere to the strict provisions of Article 9 of the Uniform Commercial Code ( UCC ) regarding the sale of the collateral and the calculation of the deficiency balance. Any failure to follow UCC procedures ( e.g., proper notice of sale, commercially reasonable disposition of the vehicle ) invalidates the deficiency. Reporting an invalid deficiency as a debt violates the FCRA 15 U.S.C 1681e ( b ). The legal enforceability of a deficiency balance following repossession is contingent upon the creditor 's strict adherence to the notice and commercial reasonableness requirements of Article 9 of the Uniform Commercial Code. I have no evidence that the disposition of the collateral complied with these legal standards. Therefore, the reported deficiency balance is legally invalid and unenforceable. Reporting legally invalid and unverifiable information on a credit report violates the accuracy and reinvestigation provisions of the FCRA, 15 U.S.C 1681e ( b ) and 1681i ( a ).

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 2025-10-05 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: PA

Complaint narrative:
I dispute the XXXX XXXX XXXX XXXX account on my credit file in its entirety. This account is reported as a charge off with a deficiency balance. This auto loan has a " XXXX XXXX XXXX '' of {$2.00}, XXXX and a " XXXX '' of {$2600.00}. The " XXXX XXXX XXXX XXXX '' is XX/XX/year>. The reporting of a balance on a charged off account is inaccurate. More critically, for an auto loan that likely resulted in repossession, the creditor must adhere to the strict provisions of Article 9 of the Uniform Commercial Code ( UCC ) regarding the sale of the collateral and the calculation of the deficiency balance. Any failure to follow UCC procedures ( e.g., proper notice of sale, commercially reasonable disposition of the vehicle ) invalidates the deficiency. Reporting an invalid deficiency as a debt violates the FCRA 15 U.S.C 1681e ( b ). The legal enforceability of a deficiency balance following repossession is contingent upon the creditor 's strict adherence to the notice and commercial reasonableness requirements of Article 9 of the Uniform Commercial Code. I have no evidence that the disposition of the collateral complied with these legal standards. Therefore, the reported deficiency balance is legally invalid and unenforceable. Reporting legally invalid and unverifiable information on a credit report violates the accuracy and reinvestigation provisions of the FCRA, 15 U.S.C 1681e ( b ) and 1681i ( a ).

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