vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: GA

Complaint narrative:
XX/XX/year>, I filed a formal dispute with Cash App regarding all negative transactions in my account ledger, totaling {$43000.00}. This is a Regulation E dispute under the Electronic Fund Transfers Act ( 12 CFR 1005 ). 

Cash App acknowledged my dispute under case # XXXX ( advocate XXXX XXXX and later opened case # XXXX. I provided my full transaction export and a negative transaction summary showing the disputed total. 

Instead of properly investigating, Cash App : Tried to force me into single-transaction disputes. 

Claimed they could not open my file, even though the ledger data was included in plain text. 

Attempted to close the complaint with a generic statement that they had investigated and provided an outcome, but no provisional credit or lawful written resolution was provided. 


Under 12 CFR 1005.11 ( c ) ( 1 ), Cash App must either : 1. Complete the investigation within 10 business days, or 2. Provide provisional credit for the full disputed amount pending investigation.

Cash App failed to do either by the deadline of XX/XX/year>. They also failed to provide the required written explanation of findings under 1005.11 ( d ).

I am requesting CFPB assistance to compel Cash App to : 1. Provide immediate provisional credit of {$43000.00}.

2. Conduct a full ledger reconciliation and Regulation E-compliant investigation.

3. Provide a clear written resolution notice. 



Attachments : Ledger export, negative transaction summary, and screenshots of Cash Apps responses.

Regulation E 12 CFR 1005.11 ( d ) ( 2 ) ( ii ) If an institution determines that no error occurred after providing provisional credit : > The institution shall notify the consumer of the results of its investigation within three business days after completing its investigation ; and, upon debiting a provisionally credited amount, shall notify the consumer of the date and amount of the debiting and of the consumer 's right to request the documents that the institution relied on in making its determination. The institution shall honor such requests. -- - Regulation E 12 CFR 1005.11 ( d ) ( 2 ) ( iii ) > The institution shall not
debit the consumers account until five business days after transmitting the notice required by paragraph ( d ) ( 2 ) ( ii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Me and my sister moved into this apartment years ago from the time we moved in we have made several complaints, work orders and maitenance requests and they have did little to nothing to fix the root issues that was going on. From the time we moved in there was a on going leak in the bathroom, my sister has prosthetic legs and its hard for her to walk or stand on a slippery floor, weve told them this multiple times and they still didnt come fix anything until we called the code inspectors after the whole roof in the bathroom collapsed and water was leaking everywhere. 
It took them a month to even fix the hole and we stayed in a hotel until they did, once we moved back into the apartment, not even 3 months went by and it was leaking again. After more complaining the maintenance man literally told me out his mouth that it was homeless people breaking into the apartment upstairs from us and doing something to the toilet making it leak. My sister ended leaving the apartment and moving into a 1 bedroom in the same complex. The lease to the apartment ended in XXXXXXXX XXXX XXXX up until then Ive told them numerous time that someone was breaking into the apartment across the hall from me and literally living in that apartment. 
They would come and board the door with wood from the inside and then a day or two later the homeless people would come break right back in. 
Now its been almost 3 years since Ive lived there Ive moved two different times since, the apartments are now getting shut down because everyone of them is so broke down and they dont fix anything and now they have put a charge on my credit saying I owe them, and then when I talked to the property manager she had an attitude the entire phone call and then said well someone is living there and theyre not homeless because they have a dog as if homeless people cant have dogs. 
And also said there is nothing she can do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: Volvo Car Financial Services U.S., LLC
State: CA

Complaint narrative:
Incorrect Credit Reporting Volvo Car Financial Services ( Account # XXXX XXXX ) Complaint : Volvo Car Financial Services is inaccurately reporting that I owe XXXX XXXX XXXX {$43000.00} XXXX XXXX on account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This reporting is * * false and misleading * * for the following reasons : 1. The account in question is not mine it is legally owned by XXXX XXXX. 
2. I do not have possession of the vehicle and have not had any financial obligation connected to it. 
3. Volvo Car Financial Services sold or assigned this debt to a third-party collection agency, yet it appears neither the agency nor Volvo is the true owner. The debt is held by a * * trustee * *, making Volvos continued reporting of the account under my name improper.

4. This incorrect reporting is causing significant damage to my creditworthiness and financial standing. 

Requested Resolution : * Immediate removal of the account ( # XXXX XXXX ) from my credit reports with XXXX XXXX XXXX XXXX XXXX XXXX 
* Written confirmation that Volvo Car Financial Services will XXXX XXXX  cease all reporting XXXX XXXX  of this account under my name. 
* Assurance that no further collection or reporting activity will be attempted against me regarding this account. 

Supporting Documents Attached : * Proof that the account is owned by XXXX XXXX, not me. 
* Any correspondence showing the account was transferred to a collection agency. 
* Copy of Volvo Car Financial Services prior settlement correspondence. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request CFPB intervention to ensure that Volvo Car Financial Services corrects this reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: GA

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 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/year>, I deposited a check for {$2200.00} from my XXXX XXXX account into my Citibank account ending in XXXX. Shortly thereafter, my account was frozen, and I received an email notifying me that all of my Citibank accounts would be closed within 60 days. My online access has also been revoked, leaving me unable to make payments, review statements, access my XXXX ( k ), or manage my credit card account. 

I contacted Citibanks Fraud Department but received no clear explanation. I also visited the XXXX, Virginia branch and spoke with both the branch manager and a personal banker, but they were unable to resolve the matter. Upon further inquiry, I confirmed that the check deposited on XX/XX/year> had already cleared successfully, which indicates there should be no reason for my accounts to remain blocked. 

Despite this, the Fraud Department informed the branch that they could not validate the check, even though the funds have cleared. This situation has caused significant hardship, as I have been denied access to my own funds and essential financial services. Moreover, the lack of accountability and transparency in addressing this matter raises serious concerns. 

I respectfully request that Citibank immediately review this case, restore my account access, and provide a clear explanation for the actions taken.

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 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
Huntington Bank offered a {$400.00} bonus for new checking accounts that met certain requirements. I fulfilled all of these requirements carefully. But they froze my account and locked me out of online banking. I spoke with 5 different people and got no solid reason why my account was flagged for potential fraud or risk. Then they sent me an email on XX/XX/XXXX ( Saturday ) and said my account was on hold and at risk of being closed and to call a number. I called the following Monday XX/XX/XXXX and they said my account was being closed and could not be reinstated. This was just 2 weeks before they owed me that {$400.00} new account bonus for meeting all of their requirements. So I'm pretty sure it was just a bait and switch scheme and they didn't want to pay out, so they'll close the account first. Pretty messed up!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Loan number XXXX Wells Fargo called twice firstly to state they would reply by XXXX XXXX then the XXXX XXXX. Now they have replied today. I had no qualifying income and I have a right to the entire file to see where they derived the income from. Please send also send for joint portions : Anything both borrowers signed ( e.g., the promissory note, mortgage, HUD-1XXXX, truth-in-lending disclosure ) I would like to see how Wells Fargo underwrote me as a co-borrower with no job and a XXXX XXXX for a 30 year loan. Any joint underwriting worksheets showing how my info factored into the approval please as well as any internal checklist showing why how/why you approved me despite no income and XXXX XXXX XXXX? Also why was I listed as a US Citizen as this was not seen or approved by me as I have stated before. Where was the overview of my US passport also to be able to write this? How did I qualify? Also what credit report did you use for me to qualify and overview of any credit reports used?

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 2025-08-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase banks atms have taken my money in a atm error, first {$7800.00} and then {$6200.00} I called both times to both banks and they said somebody called and said they accidentally received money out of both atms and the people were bringing the money back so I dont see why I couldnt get my cash I worked for to be deposited into my account this is unprofessional and if I dont recieve my money I will be sueing this is a warning to Chase Bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
After receiving complaint filed with CFPB last week, Marcus finally unlocked the account. This morning however they called asked for the license plate number for a car I no longer drive. I could not answer the question so they locked the account again. 
30 minutes on the phone with 2 reps-still no access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I deposited an irs check through atm, was reversed out. They claimed name was not the same as on account. I have copy of deposited photo on receipt and it clearly is the same name as my account. There is no reason to hold the check at all. But they claimed I have to wait ten days for them to send me a copy of check to take to teller to cash. I needed the money in my account urgently. They are choosing to keep funds to earn interest at my expense and wont pay me interest for holding it. Yet Im going to not be able to meet my obligations and be penalized for being late.

They should be accountable like everyone else is for not paying me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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:
These accounts are being reported under my name without my knowledge or consent. I have never authorized, opened, or managed them. This is unacceptable and constitutes a serious misrepresentation of my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts is deeply concerning. I require an immediate explanation as to why these accounts are appearing and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: FL

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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