vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: VA

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX was stolen in XXXX, GA. The phone contained sensitive information, including access to my wallet, PIN information, passwords, and my state ID. I believe this theft led to unauthorized access to my Cash App account. 

Unauthorized transactions : XX/XX/XXXX XXXX XXXX  : {$500.00} withdrawal XX/XX/XXXX XXXX XXXX XXXX {$1000.00} withdrawal XX/XX/XXXX XXXX XXXX  : {$500.00} withdrawal XX/XX/XXXX XXXX XXXX : {$700.00} payment sent XX/XX/XXXX XXXX XXXX : {$250.00} payment sent XX/XX/XXXX XXXX XXXX  : {$700.00} payment sent Total amount taken : {$3600.00}. 

Actions I took : After discovering the unauthorized activity, I froze my Cash App card to prevent additional transactions. I filed a police report regarding the theft and the unauthorized withdrawals/payments. I also contacted Cash App support to report the fraud and request an investigation and reimbursement. 

Issue/impact : These withdrawals and payments were not authorized by me. I did not send these payments or withdraw these funds, and I did not give anyone permission to access my account. This has caused financial loss and impacted my ability to access funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX 
XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Credit Report Dispute under FCRA - Unauthorized Security XXXX XXXX XXXX XXXX, I am writing to formally dispute multiple actions on my Clarity credit file pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
Disputed Items/ Actions XXXX. Unauthorized security freeze - I have never requested or authorized Clarity to place a security freeze on my credit file. 
- Any freeze, placement, modification, or removal of a security freeze without my express authorization constitutes unauthorized access and a violation of FCRA Section 605 ( a ). 
- I demand a full investigation into how a freeze was applied or removed without my consent. 
XXXX. Unauthorized access or inquiries- Any access to my credit report or Clarity file that was not requested or authorized by me. 
- I request a complete, dated record of all inquiries or requests, including the requesting party and legal authority for each. 
XXXX. Reinsertion of previously deleted tradelines - Any tradeline previously deleted ( including through prior disputes or CFPB complaints ) that was reinserted without my authorization. 
- Account Name : [ Insert account name ] - Account Number : [ Insert account number ] XXXX. Inaccurate reporting of account status - Any account showing incorrect balances, late payments, or collections that does not reflect accurate, verified information. 
- Account Name : [ Insert account name ] - Account Number : [ Insert account number ] - Reason for dispute : [ Briefly explain why information is inaccurate ] Requested Actions XXXX. Immediate removal of any security freeze applied without my authorization. 
XXXX. Written confirmation that no unauthorized freezes or modifications exist. 
XXXX. Full investigation of all disputed items within 30 days, as required under FCRA. 
XXXX. Provision of my current Clarity credit report. 
XXXX. Correction or removal of any unverifiable or inaccurate information. 
Supporting Documentation - Copy of government-issued ID ( driver 's license or state ID ) - Proof of current address ( utility bill or bank statement dated within the last XXXX months ) - CFPB complaint confirmation ( # XXXX, submitted XX/XX/year> ) - Any documentation supporting previously deleted tradelines or other inaccuracies Please respond in writing to the address above. Failure to investigate or respond appropriately may lead to filing legal action in court. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
United Wholesale Mortgage did not take our payment from our money market account which made our mortgage two months late. When we became aware of the problem we paid the mortgage up to date and a month in advance. We set up the auto draft and we noticed that it didnt go through. Then United Mortgage said we had to mail the check. We mailed the cashiers check sent certified through the mail. United Wholesale Mortgage lost the check and found it 16 days after it was delivered. They then charged us a late fee and sent us in for a late payment. The same thing happened in XXXX and we are now got a letter saying we are in default. They said that we only sent a partial payment for XXXX when our mortgage is XXXX. We sent in another certified check from post office. We recieved a certified letter saying we were going to be in foreclosure if we dont pay XXXX but our mortgage is up to date! Please help. We just want to be able to pay our mortgage online because every check we have sent they have lost and they keep charging us late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
several attempts to correct. incorrect information added back to my credit profile

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 2025-12-27 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: NC

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for failing to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ) and for reporting materially inaccurate information regarding my XXXX XXXX account. 

I closed my XXXX XXXX account on XXXX XXXX XXXX while at the airport prior to traveling to XXXX. From that date forward, I did not use XXXX services in any capacity. After XXXX XXXX XXXX, I exclusively used an eSIM, foreign carriers ( XXXX and XXXX ), XXXX XXXX, and XXXX There was no XXXX usage after account closure. 

Despite this, Equifax is reporting that my XXXX account was closed on XXXX XXXX XXXX, which is factually incorrect. I personally closed the account on XXXX XXXX XXXX and XXXX had no legitimate basis to keep the account open beyond that date. 

Equifax is also reporting the account as in collections, owing {$200.00}, while simultaneously showing XXXX late payments and no verified payment history. This reporting is internally inconsistent and misleading. 

I previously disputed this account with Equifax. Equifax marked the account as verified without correcting the incorrect closure date, without explaining how the debt was validated, and without demonstrating that a reasonable investigation was conducted. 

Reporting an incorrect closure date, an unsupported collection status, and verifying the account without proper investigation constitutes inaccurate reporting and violates the Fair Credit Reporting Act. 

Im attaching screenshots from my Equifax report showing the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: EQUIFAX, INC.
State: ND

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In the late month of XXXX and early month of XXXX I looked into buying a house to see what I could possibly could be approved for. Following doing so between XXXX and XXXX someone made 7 inquiries on my credit. The first inquiry I received was in my mothers name XXXX XXXX on XX/XX/XXXX from XXXX  but had my address on it. Following that letter I received an inquiry from XXXX in my own name. I received paperwork for each of these inquires all stating their was " lack of identity '' so they were not able to get the cards in my name. I had reached out to each company individually and I was assured they would not hit my credit. The following were dates and companies that the thief tried to apply for : XX/XX/XXXX XXXX XXXX XXXX card lack of identity XX/XX/XXXX XXXX XXXX XXXX account Unsuccessful identity verification XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Lack of identity XX/XX/XXXX XXXX & XXXX XXXX government id not provided XX/XX/XXXX XXXX number of credit inquires ( Also I already have a XXXX card it's my only Major credit card I use actively ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX card government id not provided XX/XX/XXXX XXXX XXXX Need financial information verification I also checked my experian where it says on XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX card was inquired . Following those card on XX/XX/XXXX XXXX XXXX XXXX cards again were tried to be opened. I called these businesses and was assured they were going to removed and not to worry and they are still sitting on my credit. I placed freezes and fraud alerts on my accounts. I have impeccable credit and it's crazy that someone else 's evil choices and ruining my hard work. Now that I actually need to apply for a card I am unable to due to this persons actions.

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 2025-12-28 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: NY

Complaint narrative:
In the late month of XXXX and early month of XXXX I looked into buying a house to see what I could possibly could be approved for. Following doing so between XXXX and XXXX someone made 7 inquiries on my credit. The first inquiry I received was in my mothers name XXXX XXXX on XX/XX/XXXX from XXXX  but had my address on it. Following that letter I received an inquiry from XXXX in my own name. I received paperwork for each of these inquires all stating their was " lack of identity '' so they were not able to get the cards in my name. I had reached out to each company individually and I was assured they would not hit my credit. The following were dates and companies that the thief tried to apply for : XX/XX/XXXX XXXX XXXX XXXX card lack of identity XX/XX/XXXX XXXX XXXX XXXX account Unsuccessful identity verification XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Lack of identity XX/XX/XXXX XXXX & XXXX XXXX government id not provided XX/XX/XXXX XXXX number of credit inquires ( Also I already have a XXXX card it's my only Major credit card I use actively ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX card government id not provided XX/XX/XXXX XXXX XXXX Need financial information verification I also checked my experian where it says on XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX card was inquired . Following those card on XX/XX/XXXX XXXX XXXX XXXX cards again were tried to be opened. I called these businesses and was assured they were going to removed and not to worry and they are still sitting on my credit. I placed freezes and fraud alerts on my accounts. I have impeccable credit and it's crazy that someone else 's evil choices and ruining my hard work. Now that I actually need to apply for a card I am unable to due to this persons actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX senior citizen suffering from the early stages of XXXX. I have been having trouble keeping track of all my things ... its been embarrassing to be honest. Lately things have been gotten worse however ; my car has been gotten into and id and other important cards have been taken and there are transactions that I dont remember making and accounts opened that I do not remember opening., I am demanding FCRA 605 ( b ) fto be followed and that in 4 business days all the illegitimates records on my statements shall be removed in their entirely. Thank you 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 non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint regarding Capital Ones handling of my bank account, which has been restricted in a manner I believe is unreasonable and excessive. 

Capital One restricted my entire account due to a deposit they claimed required verification with the check distributor. I provided Capital One with contact information for the check distributor ; however, I was told that Capital One would not use the provided numbers because they were not verifiable. I was not offered any alternative verification process or clear path to resolution. 

The deposit in question has already been fully reversed and is no longer present in my account. Despite this, Capital One continues to restrict access to all of my remaining funds, which are unrelated to the reversed deposit. I have been given no timeline, written explanation, or reasonable justification for continuing to block access to my own money. 

Additionally, Capital One has refused to provide transcripts or records of my own customer service communications regarding this issue, stating that I would need a subpoena to obtain them. This refusal prevents me from documenting the situation, understanding the basis for the restriction, or effectively disputing their actions. 

This restriction has caused financial hardship, as I am unable to access funds needed for normal living expenses. I have made repeated attempts to resolve this directly with Capital One but have not been provided with meaningful assistance or transparency. 

I am requesting : * Immediate access to my remaining funds, which are unrelated to the reversed deposit * Written clarification of the legal and policy basis for the account restriction * A clear and reasonable process for resolving this issue * Copies of all records, notes, and communications related to the account restriction I believe Capital Ones actions constitute unfair and unreasonable account handling and a failure to provide transparency to a customer regarding access to their own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am a victim of fraud. 

On XX/XX/XXXX, my phone number and email account were hacked. As a result, my Cash App accounts compromised. The hacker gained unauthorized access to my accounts and withdrew money using an old checking account under XXXX XXXX XXXX, which I had not used for the past five years. 

On XX/XX/XXXX, the hacker somehow accessed that inactive bank account and created XXXX virtual debit cards, which were mailed to the hackers address. Using that account, the hacker withdrew money from my Cash App accounts.all the transactions made my hacker in XXXX.hacker made so many unauthorized transactions.i have disputed unauthorized transactions, but cash app denied the disputes. 

The total amount stolen was {$2700.00}. 
cash app reimbursed {$650.00} into the cash app account.but that time I didnt had the access into the account .. as a result the reimbursement stolen by hacker from the account I didnt received any refund money from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-12-27 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am disputing a recent credit inquiry made by Navy Federal Credit Union that appears on my consumer credit report. 

I did not authorize Navy Federal Credit Union to access my credit report and did not provide written, electronic, or verbal consent for this inquiry. I have no recollection of applying for credit or initiating any transaction that would give them permissible purpose to pull my credit. 

This inquiry was made without my permission and therefore constitutes an unauthorized access of my consumer report under the Fair Credit Reporting Act. 

I am requesting that Navy Federal Credit Union provide documented proof of authorization, including a signed application or agreement bearing my signature, the date authorization was allegedly obtained, and the method by which consent was given. 

If Navy Federal Credit Union is unable to provide this documentation, I am requesting that the inquiry be immediately removed from my credit report and that written confirmation of removal be provided. 

I am requesting that the CFPB investigate this matter and ensure compliance with all applicable consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-28 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX made payment to optimum. From XXXX to XX/XX/XXXX I continuously checked Wells Fargo on line, and not finding the payment deducted, I went back to the XXXX  on line, canceled the debt to XXXX, and on the XXXX of XXXX resubmitted to XXXX  {$350.00}. My patterns of checking on my transactions on wellsfargo.com on line are about everyday if not every other day. Surprisingly, next day was the {$350.00} again for XXXX. I called, asked XXXX, how could this be???? The reply was out of the ordinary- they said they deducted the canceled ( XXXX fourth ) payment. 
Unusual actions- not my own! {$350.00} dollars was debtted XXXX  from my account for XXXX, yet I had canceled the first payment made on the forth and resubmitted the payment on the XXXX after the cancelation on the eleventh day. XXXX has never waited XXXX days to debit a payment. I made every effort to cancel the payment on the forth. My results from complaint to wellsfargo.com and XXXX  are 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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC.
State: NJ

Complaint narrative:
I am disputing inaccurate late payment reporting associated with a closed mortgage account reported by Arvest XXXX Mortgage ( ending in XXXX ). 

Although this mortgage account was paid and closed, my credit report reflects three 30-day late payments. I dispute the accuracy and completeness of this reporting.

I have not been provided documentation proving these late payments occurred or that proper billing and delinquency notices were issued.

Under the Fair Credit Reporting Act, closed accounts must still be reported accurately and must not continue to cause unjustified harm without full verification.

I am requesting that Arvest XXXX Mortgage : Remove the reported late payments ; OR Provide complete validation, including billing statements, payment history, and proof of delinquency notices. 

Any information that can not be fully substantiated must be deleted or corrected.

Company response to consumer: Closed with explanation