vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
I opened an account with HSBC about a year ago, specifically their XXXX XXXX account for higher net worth individuals with international activities. 
They sent an email saying they were going to be removing accounts that don't meet their income requirements XX/XX/year>. I still meet those requirements and I informed them as such. They closed my account, which resulted in me losing access to my online profile and any information about that account and they took my money ( over $ XXXX ). 
They didn't inform me about this until I logged in to make a payment from that account, only to find it was closed and it redirects me to their login page repetitively. 
I have called HSBC multiple times, resulting in XXXXXXXX XXXX in phone call fees, only to get the runaround and terrible customer service... they point me to a form that I have to find, print out, fill out ( with information I can't provide because I don't have access to my account profile anymore, nor was it provided when I opened the account ), and this form also requires me to get it certified, which is fine, but I can't actually complete it. 
The end result is that HSBC has done this to probably thousands of people, most of whom don't even know their account was closed, let alone knowing how to get their money back. I assume I'm a fairly average customer of theirs, but it's possible they could be hoarding cash and calling it " unclaimed balances ''. When they call it unclaimed, it implies the customer hasn't tried to get it.... but it's highly likely they have no idea how to get it or don't even know it was taken without their authorization. I think this is a multi-million dollar fraud, possibly much larger, depending on the scale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 FRAUDULENT INQUIRIES : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have discovered unauthorized accounts, collections, and inquiries on my consumer report prompting me to file a compliant with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, TransUnion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongtly believe this situation exploits me, and I seek resolution. 
This is a direct violation of the FCRA and my rights. I demand these accounts, inquiries, and collections be removed immediately without delay. Accounts XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-26 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: NC

Complaint narrative:
I discovered fraudulent personal information on my credit file, including the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX and XXXX XXXX XXXX XXXX, NC XXXX. I have never lived at nor authorized the reporting of this address. I have provided a government ID, FTC Affidavit ( Report # : XXXX ), Proof of Address, and Social Security Card. I request that this fraudulent address be blocked and permanently removed from my credit file within 4 days of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: MD

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

1681c2 ) that you, the TransUnion 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 {$370.00} 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: MA

Complaint narrative:
I formally challenge the reporting of accounts that I did not establish. Kindly investigate thoroughly and delete them from my record. Supporting evidence is enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: PA

Complaint narrative:
For the past two weeks, I have been trying to access funds ( approximately {$1600.00} ) that were deposited into an old Cash App account which I no longer have access to. 
I lost access to the email, phone number, and login credentials when my purse was stolen. I created a new Cash App account, but my direct deposit is still being routed to the old account. 
Every time I contact Cash App support and request recovery, Im told their systems are down or they cant access my old account despite having it pulled up on their screen. But despite that, money continues to be deposited into the old account regardless. 
I can no longer log into or even detect this account in the appit says it is inaccessible or does not exist. Yet, deposits are still being accepted there. 
I have provided identification and proof of my ownership of both accounts multiple times with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding a collection account that has reappeared on my credit report in error. 

The account was originally reported by XXXX XXXX for {$4700.00}. This account was previously successfully removed from my credit report because it did not belong to me. 

Months later, the same exact amount ( {$4700.00} ) has reappeared under a different company name, Aaron Agency Inc, claiming it is verified. I do not recognize this account, and I did not incur this debt. 

I request that the three credit bureaus investigate this as a duplicate or erroneous account and remove it from my credit report immediately. I have attached documentation of the previous removal and my credit report for reference. 

This inaccurate reporting is affecting my ability to secure credit and is causing significant financial harm. I ask that CFPB forward this complaint to TransUnion and ensure it is corrected promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CB1, Inc.
State: MT

Complaint narrative:
Subject : Systemic Misreporting of {$560.00} CB1 Medical Debt Across XXXX, XXXX, and XXXX  To the Consumer Financial Protection Bureau, I am submitting this cover letter in connection with three individual complaints I have filed against XXXX, XXXX, and XXXX. 

These complaints all relate to the same {$560.00} medical debt tied to XXXX XXXX XXXX and assigned to CB1, Inc. ( see attached verification letter from CB1 ). 

The problem is systemic : each of the three credit bureaus reports this exact same debt differently, and none of them accurately identify CB1 as the furnisher. 

Evidence of Inconsistent Reporting - XXXX  : Reports the account as XXXX  Collections with a Billings, MT address. 

- XXXX  : Reports the account as XXXX Collect with a different Billings, MT address. 

- XXXX  : Reports the same account with no company name, no address, and no contact information at all. 

Yet all of these entries reference the same {$560.00} account originally from XXXX XXXX XXXX, now under CB1. 

Legal Violations This violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) : - 1681e ( b ) : Credit bureaus must ensure maximum possible accuracy of consumer information, including the furnishers identity.

- 1681i : If an account is disputed, it must be verifiable. An account with three different furnishers ( or none at all ) is by definition unverifiable.

Additionally, because this is a medical debt, inaccurate and inconsistent reporting of the furnisher exposes protected health information in violation of HIPAA privacy protections.

Supporting Documentation 1. Verification letter from CB1, Inc. confirming they are the true collector ( XXXX XXXX ). 

2. Screenshot of XXXX  reporting showing XXXX  Collections ( XXXX XXXX ). 

3. Screenshot of XXXX  reporting showing XXXX Collect ( XXXX XXXX ). 

4. Screenshot of XXXX reporting showing no furnisher information ( XXXX XXXX ). 

5. Screenshot of an old account with CB1 Collections attempting to collect a debt From back in XXXX  which was deleted from my credit report Requested Relief I respectfully request that the CFPB : 1. Order XXXX, XXXX, and XXXX  to delete the {$560.00} account from my credit reports due to unverifiable and inaccurate reporting. 

2. Investigate the systemic pattern of misreporting and hold CB1 and the credit bureaus accountable for violating the FCRA and HIPAA.

This issue is not isolated two other debts from CB1 ( {$180.00} and {$180.00} ) were previously deleted from my reports, showing a repeat pattern of mishandling. The remaining {$560.00} debt is no different and must also be deleted. 

Best regards

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding repeated security breaches of my Barclays credit card account, despite being a long-standing customer in good standing for over 10 years.

Background I have been a textbook customer, auto-enrolled for full monthly payments, with no prior issues until XX/XX/XXXX. 

Since then, my account has been breached three separate times through fraudulent addition of external bank accounts and redemption of my rewards points.

Each incident involved the fraudulent redemption of XXXX points ( {$500.00} ) to a newly added XXXX XXXX XXXX account. 

Security Concerns I receive an in-app notification each time a new bank account is added. I acted immediately to report the first breach on XX/XX/XXXX. 

Despite my proactive responses and security measures ( verbal password, new username/password, and a high security account lock ), the breaches continued. 

On the third occasion ( XX/XX/XXXX ), my account lockwhich Barclays assured me would prevent any unauthorized activityfailed, and points were again stolen. 

This repeated failure strongly suggests not just account compromise, but a potential internal consumer data breach at Barclays, as credentials and security layers should have prevented recurrence. 

Timeline of Events XX/XX/XXXX Fraudulent bank account added ( XXXX XXXX XXXX  # XXXX ) ; XXXX points redeemed for {$500.00} ; fraud reported. 

XX/XX/XXXX Verbal password added, username & password changed. 

XX/XX/XXXX XXXX points refunded. 

XX/XX/XXXX Fraudulent bank account added ( XXXX XXXX XXXX # XXXX ) ; XXXX points redeemed for {$500.00} ; fraud reported. 

XX/XX/XXXX Fraudulent address added ( Michigan ) ; account locked by Barclays. 

XX/XX/XXXX XXXX points refunded. 

XX/XX/XXXX Fraudulent bank account added ( XXXX XXXX XXXX # XXXX ) ; XXXX points redeemed for {$500.00} ; fraud reported. Case still pending.

Requested Actions Immediate full investigation into how these breaches are occurring despite escalated security measures.

Written explanation of how the high security account lock failed to prevent the third breach.

Assurance that all fraudulent accounts and addresses have been permanently removed.

Confirmation that my points balance and account security will be fully restored and safeguarded.

Disclosure of whether Barclays has suffered a larger internal systems or consumer data breach, as these repeated incidents point to compromise beyond ordinary account takeover.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
I am submitting this complaint regarding several unauthorized credit inquiries appearing on my consumer report. A certified and notarized dispute letter regarding these inquiries was previously mailed to the credit reporting agencies, but I have yet to receive a satisfactory response. I am requesting a full investigation of the following inquiries : 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 XXXXXX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), the only permissible purposes for accessing a consumers credit report are A ) Firm offer of credit B ) Insurance C ) Court order D ) Employment screening None of the above applies to these inquiries listed on my credit report. These inquiries were made without my authorization and are therefore in violation of the FCRA. I am requesting that these unauthorized inquiries be investigated and permanently removed from my credit file immediately. Failure to do so is negatively impacting my credit and is a violation of federal law. Please provide written confirmation once these inquiries have been deleted and the investigation has been completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: PA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
I enrolled in XXXX credit card payment program after experiencing financial hardship. At enrollment, XXXX did not clearly explain how payments would be applied under this program. Specifically, they failed to disclose that changing my due date would trigger my account to be reported as 31 days past due, even though I made payments in good faith and believed I was following their instructions. 

I was led to believe the program was designed to help me catch up and remain current, but instead, the lack of transparency caused a late payment mark to be reported on my credit file. This has negatively impacted my credit score and overall financial standing.

Company response to consumer: Closed with non-monetary relief