vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My identity seemed to have been stolen. I did not open a capital one card and i called capital one to let them know and they said to open up an investigation. I have frozen all my credit reports as a result of this fraudulent charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: IL

Complaint narrative:
I would like to file a complaint against EQUIFAX, and Experian based off multiple disputes I've made with Equifax and Experian I've been notified this disputed item being disputed is accurate. " XXXX XXXX '' I would like to request the method of validation the description of the procedure that was used to determine the accuracy, I request the documentation that you have on file which determines that this information is indeed 100 % accurate. if you spoken with someone over the phone who did you speak with to validate this account, when did you interview regarding the disputed account, what time did you speak, what number did you call, what did they say, what is the person name you spoken with? provide this information to me within 5 days or remove this from my credit profile immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: IA

Complaint narrative:
Had XXXX XXXX dollars stolen on my cash app back in XX/XX/year> and never received any help from cashapp nor did they provide support I needed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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 don't know about these inquiries, and I believe these have not been approved. I implore you to act quickly to resolve this matter. Please find the supporting documents attached.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is a formal notice and lawful summary disputing the reporting of inaccurate, outdated, and non-mailable addresses listed on my consumer credit file. The only accurate and mailable address that shall be reported on my credit profile is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Reporting non-current, unverifiable, or non-mailable addresses is a direct violation of this provision.

Additionally, per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), upon notification of a dispute by a consumer regarding the completeness or accuracy of any item of information contained in their file, the agency is obligated to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and to correct or delete the information accordingly. 

The continued reporting of unverifiable and inaccurate addresses on my credit file places me at high risk of identity theft, financial harm, and fraud exposure, for which the consumer reporting agencies will be held civilly liable. As outlined under 15 U.S.C. 1681n and 1681o, credit bureaus that willfully or negligently fail to comply with the FCRA are liable for actual damages, statutory damages, punitive damages, and attorneys fees. 

Therefore, you are hereby instructed to immediately delete all non-current, incorrect, or non-mailable addresses from my credit profile and update your records to reflect only the correct and mailable address listed above. Attached is my NC Identification Card with my only and correct address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Failure to comply will constitute ongoing violations under the FCRA and subject you to liability under federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is a formal notice and lawful summary disputing the reporting of inaccurate, outdated, and non-mailable addresses listed on my consumer credit file. The only accurate and mailable address that shall be reported on my credit profile is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Reporting non-current, unverifiable, or non-mailable addresses is a direct violation of this provision.

Additionally, per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), upon notification of a dispute by a consumer regarding the completeness or accuracy of any item of information contained in their file, the agency is obligated to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and to correct or delete the information accordingly. 

The continued reporting of unverifiable and inaccurate addresses on my credit file places me at high risk of identity theft, financial harm, and fraud exposure, for which the consumer reporting agencies will be held civilly liable. As outlined under 15 U.S.C. 1681n and 1681o, credit bureaus that willfully or negligently fail to comply with the FCRA are liable for actual damages, statutory damages, punitive damages, and attorneys fees. 

Therefore, you are hereby instructed to immediately delete all non-current, incorrect, or non-mailable addresses from my credit profile and update your records to reflect only the correct and mailable address listed above. Attached is my NC Identification Card with my only and correct address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Failure to comply will constitute ongoing violations under the FCRA and subject you to liability under federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: AL

Complaint narrative:
On Saturday XX/XX/year> I attempted to pay {$300.00} to a catering services @ XXXX am via CashApp. Around XXXX I was informed that payment wasn't received, so I tried to cancel payment but the transaction was completed so I requested several refunds from the individual and contacted CashApp several times but was told they couldn't help. I requested that my complaint be elevated to upper management but she refused, she also refused to give me a number or an email to talk with anyone else who may be able to help. I need to dispute this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: PA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Its has been two monyhs and they have not resolved the issue, and it is affecting my credit

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 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: ID

Complaint narrative:
I was charged a {$25.00} overdraft fee by my bank due to a pending transaction that never actually posted to my account. The charge dropped off and was never settled, yet the overdraft fee remained. My account never went negative based on posted activity. 

I contacted the bank and requested a refund, but was told I had reached my lifetime limit for overdraft fee reversals. However, this fee was not based on any actual spending it was triggered by a temporary hold that disappeared, leaving no record of an actual withdrawal. 

As a result, my account is now negative, and Im experiencing financial hardship due to a fee that was applied without justification. I am requesting a full reversal of the {$25.00} overdraft fee and a review of the banks policies regarding fee assessment on non-posted transactions. This practice appears to violate fair banking standards and may warrant regulatory attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
This is a follow-up to a previous complaint I filed regarding Santander Consumer USA XXXX I am still being charged excessive interest, and almost none of my payments seem to be reducing the principal balance. After receiving the companys response, I remain unsatisfied and believe the core issue has not been properly addressed. 

In their response, Santander suggested that because of my income and down payment, the loan structure and interest charges are justified. I strongly disagree. The fact that I qualified for a loan does not mean it is fair or reasonable for the majority of my payments to go toward interest only, with little or no reduction to the loan balance over time. This feels predatory and exploitative. 

I have made consistent payments, and yet my principal has barely changed. I am requesting a formal investigation into whether : 1. Payments are being properly applied according to the loan terms 2. The interest rate and amortization schedule are in compliance with fair lending standards 3. Santander 's justification based on my income/down payment is appropriate and illegal 4. There has been any form of misrepresentation or unfair practice in how this loan was structured or serviced. 


Santanders explanation relies on my financial profile rather than addressing the actual payment distribution and excessive interest, which does not resolve my concern. 

I am concerned this may be part of a pattern of unfair lending practices. 


What I Am Requesting : A full account audit showing how payments have been applied. 

A recalculation of the loan if errors or unfair practices are found. 

A clear explanation in writing regarding why so little has gone toward my principal. 

Corrective action and/or a refund of overcharges, if applicable. 


I request that the CFPB reopen this matter or initiate a new investigation, as I do not believe the prior response addressed the real issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint NumberXXXX ], filed on [ FTC XX/XX/XXXX ]. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Add additional information if there are more inquiries ) Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Zero negative remarks from CitiBank XXXX XXXX credit card, and my credit limit was lowered to the total of my outstanding balance therefore damaging my credit score. 

I called to understand why this was happening and was told they just periodically review credit and chose to lower my limit. This feels like discrimination with no reason since my payments have always been on-time or weeks ahead.

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 2025-05-12 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: CA

Complaint narrative:
I was illegally towed from my NEW RESIDENCE on XX/XX/XXXX. Regardless of how many documents/ proof of residence I provide to my bank, Wells Fargo XXXX the bank continues to reverse the credit of {$470.00}. It is now XX/XX/XXXX, and the credit reversal has greatly damaged my ability to pay my other creditors & bills on time. 
My account is now over drafted, and many of my bills connected to the checking account went unpaid. I received a direct deposit bi-monthly and the reversal of the transaction credit has severely affected my payment history with other creditors. 
I dont think the back & forth for the last 100+ days is necessary nor professional from Wells Fargo XXXX The merchant in this claim ( XXXX XXXX ) has not provided a receipt nor any documentation to prove the transaction was valid. Wells Fargo chooses to reverse the claim credit after I provided more than enough evidence I was erroneously charged.

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 2025-05-12 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-12 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-12 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: IL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.

Complaint narrative:
just like thousands of other customers have stated : crypto.com has the absolute worst customer service ever. this is terrible for a financial company. they lock people out of their accounts and lock their funds away illegally.

Company response to consumer: Closed with explanation