vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THESE ACCOUNTS WERE NOT OPENED OR APPROVED BY ME. I HAVE NO CONNECTION TO THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: Block, Inc.
State: WI

Complaint narrative:
REGARDING : Cash App / Block , Inc . 
ISSUE : Failure to Provide Provisional Credit & Negligent Handling of Criminal Extortion Claim.

1. SUMMARY OF GRIEVANCE I am filing this complaint against Cash App for their failure to protect me as a consumer and their refusal to provide a provisional credit/refund for a transaction totaling {$340.00} that was obtained through Criminal Extortion and False Imprisonment ( Kidnapping ).

2. CORE ALLEGATIONS & CRIMINAL CONTEXT Nature of the Incident : On [ Insert Date ], I was held against my will in a locked vehicle by a XXXX taxi driver who refused to let me out at the taxi stand. During this period of kidnapping, I was forced under physical duress to hand over {$150.00} in cash and process a digital payment on my Cash App card. The initial {$300.00} transaction was later adjusted to {$340.00} without my authorization. 
Police Action : A formal criminal report has been initiated with the XXXX Police Department and the XXXX XXXX  Department regarding False Imprisonment and Extortion. 
Institutional Failure : I immediately notified Cash App of this criminal activity. Despite the severity of the claimwhich involves cross-state kidnapping and robberyCash App has failed to reach out, failed to provide a provisional refund, and has provided no timeline for resolution.

3. VIOLATION OF REGULATION E Under the Electronic Fund Transfer Act ( Regulation E ), financial institutions are required to investigate reported errors and, in many cases, provide a Provisional Credit within 10 business days if the investigation is ongoing. Cash Apps " tedious an
d unnecessary journey '' of automated responses is a violation of my rights to timely liquidity following a criminal victimization.

4. DESIRED RESOLUTION Immediate Provisional Credit : Reversal of the {$340.00} fraudulent transaction.

Executive Review : A manual review of my case by Cash Apps specialized " Risk and Fraud '' department, rather than automated bot responses.

Formal Response : A written statement regarding Cash App 's policy for handling transactions made under physical duress and kidnapping.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I called Westlake financial who I held a loan through for a XXXX XXXX XXXX. On that date I requested a payoff quote for the loan. Payoff quotes generated on a simple interest loan include outstanding principal balance, interest owed, as well as any outstanding fees. The quote provided to me was for {$4100.00}. That amount was paid same day. And I was advised that I would receive title in the mail after the payment is processed. In XXXX my title and release of XXXX letter had not been received so I called and at that time was told there was a balance outstanding. I requested a supervisor who told me that there was a mistake and see that the payoff quote generated XX/XX/XXXX was paid same day and they were going to email a XXXX to have this corrected and get my title to me. XXXX still no title received so again I call and go through the same back and forth being told there is still a balance, ask for supervisor, supervisor confirms there is a mistake and they are going to email a manger for the title to be sent. I received nothing! XX/XX/XXXX I call and again request a supervisor spoke with XXXX who said the same thing that there was a mistake I have definitely satisfied the payoff amount when the quote was generated and they are going to email a manger to have this corrected and title sent. XXXX received notice of a billing statement again stating I owe them. I call back and their customer service has laughed at my frustration, hung up on me denied me speaking with a XXXX and finally a supervisor XXXX speaks to me and tells me I have an outstanding balance that must be paid. I again explain that XX/XX/XXXX payoff quote was generated and payoff amount of {$4100.00} was satisfied SAME DAY. They reviewed the account and confirmed that the payoff was satisfied and they will send an email for this to be corrected and title sent. I have heard no response from a manger. XXXX XXXX I have attached my XXXX banking statement showing proof of payoff payment posted, as well as the payment history on the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/XXXX, I received a phone call at work from an employee at Barclays Credit card company about suspicious, fraudulent activity on my credit card. I immediately checked my phone application Barclay 's Account while on the line with the employee and notice two separate charges from XXXX in XXXX, Massachusetts. The employee asked me if I made these purchases. I said no and wanted those charges flagged as fraudulent. The company immediately flagged the charges as fraudulent and removed them from my account. 
On XX/XX/XXXX, Barclays sent me an email stating that they found the charges to be valid as " the card was identified as being in your possession and chip card technology was used, which can not be counterfeited '' I then called them back to dispute this and asked them to re-investigate. They told me to fax them supporting documents. I faxed them the following documents : A copy of driving location records from an application I have on my phone confirming my whereabouts in XXXX, Massachusetts the whole entire day of the crime, a previous police report and XXXX XXXX claim from a couple months prior as there was fraudulent activity on my credit report, and a letter from my supervisor confirming my attendance at my place of employment from the hours of XXXX until XXXX along with my timesheet from my place of employment. 
On XX/XX/XXXX, Barclays sent me a follow-up email stating that after an investigation the fraudulent charges are NOT fraudulent, and I would be responsible for the charges, and those charges re-appeared on my credit card bill. 
I called them on Monday XX/XX/XXXX and told them I would like them to re-investigate because I didn't make these charges and I don't want to be held responsible for something I didn't buy. They told me they would re-investigate, but I never got a follow-up letter and the charges are still on my credit card bill. Now my credit report has a new remark from Barclays stating that " the customer disputes after resolution '', which has changed my credit score by XXXX points. 
I have had an amazing credit score for a long while. I don't have a criminal record. I pay all my payments on time and keep a low balance. This " technology '' they're saying can not be counterfeited is despicable. I do a lot of online shopping, I use my card at gas pumps and grocery stores. Someone, or some group of hackers could have easily stolen my information from anywhere.

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 2025-12-23 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: TX

Complaint narrative:
I am filing this formal complaint because [ Insert Bureau Name : XXXX XXXX XXXX  / TransUnion ] is reporting inaccurate and unauthorized information on my consumer report. I have identified accounts being reported without my express written consent or any verifiable permissible purpose, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 

I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ), Report # XXXX, which is attached to this complaint. Under 15 U.S.C. 1681c-2, the credit reporting agency is required to block the reporting of this information within XXXX business days of receiving the report. 

The unauthorized accounts are : XXXX XXXX XXXX - Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Acct : [ Insert Last XXXX Digits from Report ] I demand the immediate block and permanent deletion of these items. The continued reporting of this unauthorized data is causing me financial harm. 

Desired Resolution : Please block and delete these accounts immediately from my credit profile as required by law under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
THESE ACCOUNTS WERE NOT OPENED OR APPROVED BY ME. I HAVE NO CONNECTION TO THESE ACCOUNTS.

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 2025-12-23 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: NM

Complaint narrative:
THE LATE PAYMENTS REPORTED ARE NOT CORRECT AND DO NOT MATCH MY PAYMENT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts have no connection to me and must be taken off within 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
Please check the provided documents ; the inquiries came in unexpectedly and might not be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: PA

Complaint narrative:
I confirmed with XXXX XXXXXXXX that the 2 accounts on my credit in collections were indeed fraud. And XXXX XXXX XXXX is refusing to take both off my credit report, stating I still owe the debt even though its fraud charges.

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 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I have requested unlimited amounts of information,1099c.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: WA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. Identity Verification : If identity theft is a con
cern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/XXXX I was charged approximately XXXX XXXX  XXXX ( about $ XXXX ) for a food delivery order placed using my Discover credit card. I never received the food. 
When I disputed the charge for services not rendered, the merchant submitted what was labeled as proof of delivery. The image provided shows the delivery address/location but is otherwise completely XXXX, showing no food, no handoff, and no confirmation that the order was delivered to me. The document also states the order was paid in cash and lists an amount of XXXX XXXX XXXX ( about XXXX  XXXX ). I in fact paid the full amount of XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) on my credit card. These discrepancies both in payment method and amount indicate the document may not be accurate or related to my order. 
The delivery was made to a shared-access lobby, and the merchant did not ensure the food was handed directly to me or securely delivered. Despite the absence of verifiable proof that the goods reached the cardholder, Discover closed my dispute and classified it as an inconvenience dispute, relying on a timestamp and location rather than actual evidence of delivery. 
I escalated the dispute multiple times, but Discover declined to reconsider or conduct further investigation. As a result, I was charged for goods I never received. 
I am requesting that Discover conduct a reasonable investigation and reconsider the dispute, as the merchant failed to provide adequate proof that the food was delivered to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 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: MA

Complaint narrative:
" Please see the attached documentation. I am filing this complaint due to noncompliance with federal law. My consumer report contains inaccurate and unverified late payment reporting, as well as other disputed items, which were previously challenged and not properly investigated or validated. The continued reporting reflects a failure to ensure maximum possible accuracy as required by 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 non-monetary relief