vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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:
On XX/XX/year> my cashapp stopped letting me use my money, stopped letting me send money to people, stopped letting me withdraw money onto my bank card, stop letting me put money into my savings. I contacted cashapp a few days after that they told me to wait for a email Ive been waiting for the email and I believe Ill never receive the email. now its saying my cashapp suspended and they wont even tell me why im just trying to get my money out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Inquiry XXXX XX/XX/year>

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 2025-09-15 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Inquiry XXXX XX/XX/year>

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 2025-09-15 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-15 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: CA

Complaint narrative:
My Citi Bank business account was permanently closed by Citi in XXXX XXXX. On XX/XX/year>, I received an email from Citi stating that a check for my remaining balance would be mailed to me within 60 days. 

As of today, more than 60 days have passed, and I have not received the check. I contacted XXXX customer service multiple times by phone, requesting the mailing date, tracking number, or any written confirmation of the checks status. However, the representatives have not provided clear information or documentation, and the funds have not been returned to me. 

I also personally went to the branch where I originally opened the account and asked to speak with the manager. The branch manager told me to call customer service instead. When I called customer service, they told me to go back to the branch. They kept passing me back and forth without resolving the issue. On my most recent call, the representative deliberately made their voice unclear and then hung up on me.

I am requesting immediate resolution, including confirmation of the check issuance and delivery.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I'm writing to formally dispute inaccurate and misleading information being reported on my credit file related to an account that is marked as late which is factually incorrect and a violation of federal law.

Let me be absolutely clear : this account has always been paid on time and in full, as agreed. I have never missed a payment on this account. The current reporting of late payments is not only damaging but is also legally inaccurate under 15 U.S. Code 1666b, which governs timely payments and proper billing practices.

This is a billing error, plain and simple. The payment was made as required, and I should not be penalized for a mistake that is not mine. The negative marks being reported are unjustified and are violating the protections provided to me as a consumer under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was scammed while trying to purchase a digital piano that I found on XXXX. The merchant ( s ) did not refund my money. I included all communications with them, including my pleas to get my money back. I was tricked into sending this money, and I deserve restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've contacted TransUnion multiple times over the course of the last couple of years - I am unable to lift a freeze temporarily nor am I able to request for my credit report online. Every time I ask about this issue, I am told it's been escalated and I'll receive a call within 3 days during business hours but I don't hear anything back from them. The last time I reported this issue was in XXXX. It has been a frustrating experience with little to no traction with regards to fixing my account.

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 2025-09-15 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: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act, has violated my rights.

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-09-15 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: IL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-15 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 file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
I've never had an account with this company, yet I've received multiple maintenance request and service emails indicating I'm requesting services for one of their apartments. Despite informing them multiple times via phone and email, they've now reported a debt to my credit report, which they previously assured me wouldn't happen since I don't owe them any money. I'd like to resolve this error and request they correct their records and notify the credit bureaus to remove the debt. This company is listed on my TransUnion XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-09-15 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-09-15 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: AR

Complaint narrative:
On XX/XX/year>, I mailed and disputed the XXXX XXXX XXXX account with all three credit bureaus and with XXXX directly because the information being reported is inaccurate. XXXX did not provide validation or any documentation supporting the accuracy of the account. 

In their XX/XX/year> response ( attached ), XXXX stated that they updated the account status/type, but the reporting was never corrected. The account still shows as a charge off and is reported differently across the three credit bureaus. 

In XX/XX/year>, I mailed another letter with additional evidence and a clear request for correction, but that letter was completely ignored. 

On XX/XX/year>, I mailed a 3rd dispute specifically requesting documentation explaining why the account is being reported as charged off when it was paid in full, and I pointed out additional inaccuracies including a 98-month term that was never part of this loan. XXXX responded on XX/XX/year> by sending only a basic payment history, which did not validate their reporting, did not show a charge-off event, and did not correct the inaccurate reporting. 

I have uploaded documents from my credit reports verifying how inaccurate XXXX reporting has been. When compared side by side, it is clear that they are reporting incorrect dates and inconsistent payment history which demonstrates that XXXX is not maintaining accurate, complete, and consistent information as required. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting and to a reasonable reinvestigation when I dispute an account. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to receive validation of a debt before it is reported or collected. XXXX has failed to meet both obligations they have not validated the debt, have ignored correspondence, and have continued to report information that is inaccurate and inconsistent across the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: AR

Complaint narrative:
On XX/XX/year>, I mailed and disputed the XXXX XXXX XXXX account with all three credit bureaus and with XXXX directly because the information being reported is inaccurate. XXXX did not provide validation or any documentation supporting the accuracy of the account. 

In their XX/XX/year> response ( attached ), XXXX stated that they updated the account status/type, but the reporting was never corrected. The account still shows as a charge off and is reported differently across the three credit bureaus. 

In XX/XX/year>, I mailed another letter with additional evidence and a clear request for correction, but that letter was completely ignored. 

On XX/XX/year>, I mailed a 3rd dispute specifically requesting documentation explaining why the account is being reported as charged off when it was paid in full, and I pointed out additional inaccuracies including a 98-month term that was never part of this loan. XXXX responded on XX/XX/year> by sending only a basic payment history, which did not validate their reporting, did not show a charge-off event, and did not correct the inaccurate reporting. 

I have uploaded documents from my credit reports verifying how inaccurate XXXX reporting has been. When compared side by side, it is clear that they are reporting incorrect dates and inconsistent payment history which demonstrates that XXXX is not maintaining accurate, complete, and consistent information as required. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting and to a reasonable reinvestigation when I dispute an account. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to receive validation of a debt before it is reported or collected. XXXX has failed to meet both obligations they have not validated the debt, have ignored correspondence, and have continued to report information that is inaccurate and inconsistent across the credit bureaus

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 2025-09-15 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: AR

Complaint narrative:
On XX/XX/2025, I mailed and disputed the XXXX XXXX XXXX account with all three credit bureaus and with XXXX directly because the information being reported is inaccurate. XXXX did not provide validation or any documentation supporting the accuracy of the account. 

In their XX/XX/2025 response ( attached ), XXXX stated that they updated the account status/type, but the reporting was never corrected. The account still shows as a charge off and is reported differently across the three credit bureaus. 

In XX/XX/2025, I mailed another letter with additional evidence and a clear request for correction, but that letter was completely ignored. 

On XX/XX/2025, I mailed a 3rd dispute specifically requesting documentation explaining why the account is being reported as charged off when it was paid in full, and I pointed out additional inaccuracies including a 98-month term that was never part of this loan. XXXX responded on XX/XX/2025 by sending only a basic payment history, which did not validate their reporting, did not show a charge-off event, and did not correct the inaccurate reporting. 

I have uploaded documents from my credit reports verifying how inaccurate XXXX reporting has been. When compared side by side, it is clear that they are reporting incorrect dates and inconsistent payment history which demonstrates that XXXX is not maintaining accurate, complete, and consistent information as required. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting and to a reasonable reinvestigation when I dispute an account. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to receive validation of a debt before it is reported or collected. XXXX has failed to meet both obligations they have not validated the debt, have ignored correspondence, and have continued to report information that is inaccurate and inconsistent across the credit bureaus

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