vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau XXXX, I am submitting this complaint to request assistance regarding a disputed transaction and refund denial involving Cash App. 

Between XXXX and XXXX, I sent a total of {$3400.00} through Cash App to XXXX XXXX, XXXX of XXXX XXXX XXXX, as payment for XXXX Cane Corso puppies. Despite full payment and repeated assurances, the puppies were never provided. After extended delays, excuses, and changing explanations, the seller ultimately denied responsibility and refused to issue a refund. 

I have contacted Cash App support repeatedly since XXXX through their in-app support system, formally requesting assistance and a refund. I provided explanations and supporting details showing that the goods I paid for were never delivered. However, Cash App denied my refund request and has failed to provide meaningful resolution or consumer protection in this matter. 

I am requesting the CFPBs assistance in reviewing Cash Apps handling of this dispute and helping me recover the {$3400.00} that was paid for goods never received. 

Thank you for your time and attention to this matter. I am prepared to provide documentation, including payment receipts and correspondence, upon request. 

Sincerely, 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:
I requested validation of the alleged debt. The company responded with documentation that does not include my signature or any proof that I authorized the account. The document provided only contains an agents signature. 

Because proper validation was not provided, the account continues to be inaccurately reported and is damaging my credit. I am requesting deletion due to failure to verify consumer authorization.

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: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo Auto repossessed my vehicle following a period of documented payment-handling errors, including payments being held as unapplied, reversed, or reallocated while interest and fees continued to accrue. 

Despite the repossession, Wells Fargo did not pursue a deficiency balance and instead issued me a surplus refund check of approximately {$2500.00} after the collateral sale. This confirms that the repossession was not the result of an unrecoverable borrower default. 

Nevertheless, Wells Fargo continues to report the account as a repossession on my credit reports. 

The account history reflects the same servicing failures that have already been the subject of enforcement actions and class-action litigation against Wells Fargo Auto , including misapplication of payments and improper advancement to repossession. 

I am requesting : A full accounting of all payments and unapplied funds ; Correction or deletion of all repossession-related credit reporting ; Written confirmation that the repossession resulted from servicing errors rather than borrower nonpaym

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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have submitted disputes through Experian numerous amounts of times asking for verification of the debt. They close it out in a few days and just say verified. 

I mailed letters to XXXX, XXXX, and Experian as well as all debt collectors to obtain documentation and proof this debt is owed and have received XXXX response. 

Mailing letters via usps and communication via online dispute come to no resolve.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 


- XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX * * *

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: 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 


- XXXXXXXX XXXX XXXXXXXX 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 2025-12-28 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: Block, Inc.
State: PA

Complaint narrative:
Well using my electronic banking app CASHAPP like I have many times before, I member it had some sort of studded glitch visually but then proceeded as normal, well making a purchase. Then later I came to realize that when making those purchases the same purchase for the same amount came in several times and charged my account for everytime not just the onetime payment tht was verified. It was well using fanatics gaming app it happened I reached out to fantastic and got no where and then to cashapp support which seemed hopefull but then they started to deny my request which I just cant imagine considering the transaction are fraudulent and you can clearly see from state ments how it was a duplicate charge. It is ridiculous and thought it would be easy problem to correct but is turning out to be tad more difficult for some reason they wont give me MY Money and also sent my account into overdraft now which brings its own issues.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is a follow up complaint that I have of a XXXXXXXX XXXX XXXX XXXXXXXX is not an account that I have ever done business with. 6. FDCPA 1692d, 1692c, 1692g : Harassment, failure to validate, illegal communication practices.

Has the account have been charged off and a 1099-C form issued or if the creditor reported these accounts as business losses for tax deduction purposes, they must be deleted under IRS regulations and FCRA due to the cancellation or non-ownership of the debt.

For any accounts currently being reported by third-party debt collectors, I demand a copy of the assignment contract or bill of sale proving lawful authority to collect and report this debt.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is a follow up complaint that I have of a XXXXXXXX XXXX XXXX XXXXXXXX is not an account that I have ever done business with. 6. FDCPA 1692d, 1692c, 1692g : Harassment, failure to validate, illegal communication practices.

Has the account have been charged off and a 1099-C form issued or if the creditor reported these accounts as business losses for tax deduction purposes, they must be deleted under IRS regulations and FCRA due to the cancellation or non-ownership of the debt.

For any accounts currently being reported by third-party debt collectors, I demand a copy of the assignment contract or bill of sale proving lawful authority to collect and report this debt.

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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: Block, Inc.
State: AK

Complaint narrative:
I previously completed identity verification on my Cash App account and had full access to my account, including direct deposit and the Borrow feature. In XXXX XXXX, when attempting to use the Borrow feature as I had done before, Cash App unexpectedly required me to re-verify my identity. 

I entered my information correctly multiple times, but Cash App repeatedly stated it could not verify my identity. I contacted support on several occasions, followed all troubleshooting steps provided, reinstalled the app, updated my device, and submitted screenshots. Support reset my account multiple times and stated the issue would be manually reviewed, but the verification continued to fail without explanation. 

During this period, my account was restricted and a scheduled direct deposit from my employer was rejected and returned. This caused my account to show a negative balance and left me without access to expected wages. Cash App did not clearly explain why the verification failed, what specific information was required to resolve it, or provide a meaningful resolution. 

After repeated contacts, Cash App closed my support case and complaint without resolving the issue, stating no further action would be taken. I am requesting that Cash App properly review my identity verification, restore normal account access, address the returned direct deposit, and correct or forgive any negative balance caused by this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I scheduled a payment for my TJX Rewards credit card on XX/XX/XXXX, and the payment was confirmed via email with the correct bank account information. 

A few days later, the company claimed the payment was rejected by my bank and posted late fees on XX/XX/XXXX. I did not receive any email, letter, or text before the fees were applied. The first notice I received was a text on XX/XX/XXXX, after the fees had already been posted. 

I contacted customer service by phone. They confirmed the correct bank account was on file and said my bank rejected the payment, but they refused to reverse the fees. I then contacted my bank, and the bank confirmed there was * * no record of any payment attempt * * from the credit card company. 

I also contacted the company via online chat to dispute the charges. They acknowledged the dispute and said they would respond within 30 days but again refused to reverse the late fees, despite the lack of timely notice and the fact that the bank never received a payment attempt. 

I acted in good faith by promptly paying the balance using another account. I am requesting reversal of all late fees and related interest and confirmation that no negative credit reporting will occur. 

This experience demonstrates * * unfair billing practices * * and a * * failure to provide timely notice * * of a payment issue.

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: MI

Complaint narrative:
Subject : Unauthorized Hard Inquiry Immediate Deletion Required I am disputing the hard inquiry reported by your company on my credit file Under FCRA 604, you must have documented permissible purpose and consumer authorization. 
Please provide written proof of my authorization. If you can not, delete the inquiry immediately. 

Failure to comply will result in complaints filed with the CFPB and State Attorney General.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Subject : Unauthorized Hard Inquiry Immediate Deletion Required I am disputing the hard inquiry reported by your company on my credit file Under FCRA 604, you must have documented permissible purpose and consumer authorization. 
Please provide written proof of my authorization. If you can not, delete the inquiry immediately. 

Failure to comply will result in complaints filed with the CFPB and State Attorney General.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 


- XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX * * *

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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
account in XXXX collection, XXXXXXXX XXXX XXXX XXXX XXXX {$160.00} which I do not recognize for 165 dollars which violates my rights, stipulated in Legal Basis for Credit Report Dispute Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumers have the right to dispute any information in their credit report that is inaccurate, incomplete, or can not be verified.

Pursuant to 15 U.S.C. 1681i, consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days and must delete or correct any information that is found to be inaccurate or can not be verified.

Additionally, under 15 U.S.C. 1681s-2, furnishers of information ( including collection agencies and creditors ) are prohibited from reporting information they know or should know is inaccurate. Once a dispute is received, furnishers must conduct a reasonable investigation, report accurate results, and correct or delete any inaccurate or incomplete information. They are also required to mark the account as disputed while the investigation is pending.

Failure to comply with these requirements constitutes a violation of federal law and may result in enforcement actions and consumer remedies.

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: 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have been offered a deferment from Truist multiple times because of hardships with natural disasters, etc. I am in desperate need of the deferment. They offered me and they have refused to open it back up to me. I have told them about my situation and begged them to give me three months which is not asking for anything at all. They have been rude and unhelpful. I have had this Mortgage for 5+ years. I am a great customer and they are putting me in a situation where Im gon na have to destroy my credit because Im gon na have to miss a couple of payments. How is it that they are allowed to destroy my credit when I have begged them for the deferment that they offered me? They are saying time ran out on that deferment. Well Im having a hard hardship because I lost my job and Im barely holding on right now while I get through the holidays. Ive had deaths in the family and life has been just miserable and all I asked for was three months so I can get on my feet and they have treated me terribly. I am going to look. And find out how high I can take my complaint. what legally am I allowed to do because they are taking advantage of me and dont care about my life at all. Why would they destroy my life and my XXXX and XXXX innocent childrens lives instead of just giving me a three month deferment so we can get on our feet. Ive been making a lot of money my entire career. Ive paid millions in taxes. Ive helped everybody. Ive donated my entire life and now Im in this horrible situation where I have to look for a job at XXXX XXXX XXXX and 17 years as a business owner and I asked for a little bit of help and they spit on my face Theyre not helping. I need them to help.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have not been able to access my online statements on any of my accounts ( which include Checking, Savings and Visa ) since XX/XX/2025! I have had online " paperless statements for several years not but have not been able to access any of my statements since XXXX. I called and requested a work order SEVERAL MONTHS AGO ( approx in XXXX ) but was never contacted and never received a resolution and still have no access. See First Attachment of what appears when trying to pull my statements. 

I did receive an email to verify my email address, but it contained a link to click!! I found this to be unacceptable as I'm not going to click links in emails that jeopardize my email and bank security, plus I've had my account with Capital One for over 15 years, with the same email address ( there has been no change and no new email address added to my account ). See Second Attachment I need access to my online " paperless '' statements asap to complete year end reports and for IRS filing. There is no reason I should not have access to paperless invoices.

Company response to consumer: Closed with explanation