vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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:
On XX/XX/year>, a {$65.00} charge from XXXX triggered a pending authorization hold on my Cash App card. I contacted Cash App support and on XX/XX/XXXX, I received an email from a representative stating that the funds would be refunded within 13 business days. 

As of XX/XX/XXXX, no refund has been issued. I followed up multiple times through support chat. Early on, I was not aware that I could upload proof of the XX/XX/XXXX refund email directly in the chat. Once I realized this, I provided the screenshot showing the refund promise. Despite this, Cash App claimed there was no new information, ignored my documentation, and eventually closed the chat without resolution. 

They acknowledged the issue, admitted it required escalation, but continued to delay with vague responses and conflicting guidance. Ultimately, they dismissed the case without issuing the refund or providing a clear explanation. I have full documentation of the support chat, the XX/XX/XXXX refund email, and XXXX confirming no pending activity on their end. 

Im requesting that Cash App immediately issue the promised refund of {$65.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B and i need these accounts blocked and removed off my credit report. DPT EDXXXX Account # XXXX XXXX, DPTED/XXXX  Account # XXXX XXXX, XXXX XXXX  Account # XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
I am writing to formally file a complaint against TransUnion for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX XXXX ( a ). I am a documented victim of identity theft as a result of the XXXX and XXXX data breaches, which exposed my sensitive personal information and led to the reporting of fraudulent accounts and inquiries on my credit file.

I properly notified TransUnion of my identity theft status and submitted the required documentation, including a police report and FTC Identity Theft Report. In response, TransUnion initially removed the fraudulent accounts from my credit report. However, these accounts were later reinserted without my knowledge or consent, and without providing me with the legally required notice of reinsertion. This is in direct violation of my rights under the FCRA. 

XXXX XXXX Balance - {$19000.00} Opened - XX/XX/XXXX XXXX XXXX Balance - {$3100.00} Opened - XX/XX/XXXX XXXX XXXX Balance - {$2400.00} Opened - XX/XX/XXXXXXXX XXXX XXXXXXXX Balance - {$590.00} Opened - XX/XX/XXXX Furthermore, these same fraudulent accounts have been * * permanently removed * * from both XXXX  and XXXX  following my identity theft claims. The fact that TransUnion continues to report them is not only negligent but unlawful. Their actions have caused undue harm to my credit standing and overall financial well-being.

I respectfully request that the CFPB take immediate action to investigate this matter and ensure that TransUnion complies with federal law. All fraudulent items should be permanently removed from my credit report, and TransUnion should be held accountable for violating my consumer rights.

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-06-09 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than PLEASE REMOVE ALL ACCOUNTS A.S.A.P 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 USC 1681IS-2 15 USC 1692g ACCOUNTS : XXXX XXXX / Account # : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX / Account # : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / Account # : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX _______________________________________________________ Collections : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX / Account # : - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) / Account # : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) / Account # : - XXXXXXXX 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 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
I went to pay off my full balance to Avant in XX/XX/XXXX after getting my tax return and close out the account because their interest rates were awful. I noticed when I logged into my app to pay it off that there was a late payment and a late payment fee. I was confused because I had autopay on that was connected to a financial account that I consistently keep a certain amount of money in at all times due to having so many auto-debited/auto-pay accounts connected to it. The payment came out of the account on the auto pay due date and I didn't think anything else of it. That's the point of autopay, the convience of it, knowing your payment will come out every month on the same date so that you aren't missing any payments. Well, I asked them about it and they kept running around the XXXX, I told them they can lift the late payment fee since their was clearly a glitch in their system of " returned payments ''. Which is what they accused of happening. Again, I don't know how it could or why it would be returned. I had money in my account and it came out on the correct date. Well, apparently it was returned in XX/XX/XXXX but no one told me it was or why. So this entire time I'm thinking my payments are coming out because I hadn't heard otherwise from them. I asked for them to waive the late payment and I'd then pay off my full balance like I had planned and then close out the account. Well, the agents were very rude to me- one hung up on me because I refused to pay the late fee. I had to get connected with a supervisor- I told them to please waive the late fee and THEN I'd pay off my balance in full. Seems like a fair trade to me. He agreed to waive the fee, but then they reported that I had FIVE late payments on my credit report. I called them back in late XX/XX/XXXX to talk to them about it and they said " it'll fall off '' the report. But I asked them why they reported that I had FIVE late payments when this was a dispute over ONE payment. They hung up on me. So I've been waiting for it to " fall off '' my report since XXXX and it hasn't. This company is awful, I had nothing but issues with them since I opened the card in XXXX. So I decided to close it out for good and never use them again. I have EXCELLENT payment history with every single loan, lender and credit card company I've ever dealt with. I'm never late on ANY of my payments. And payment history is so crucial for your credit report. One mishap and it can obliterate your score. I'm trying to buy a home in the next few years and I can't have fraudulent reports on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: IL

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 non-monetary relief
Consumer complaint received 2025-06-09 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Theres an inquiry on my credit report that I have absolutely no knowledge of. I did not authorize it, I didnt initiate it, and I dont recognize the party behind it.

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 2025-06-09 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: NY

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a 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 2025-06-09 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: NY

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a 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 non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
I had been trying to open the credit union account since XX/XX/XXXX. I move around a lot at that time I was in the XXXX location. I then went to the XXXX Location because it was close to me at that time. I had a charge off that prevented me from opening the account so once I got that situated I went to try to open the account again. I was in a car accident and did not have my car so my friend and her boyfriend took me to the credit union after I asked for a ride. I went through so much trying to open the account I texted her while I was waiting about the hassle, opening the account etc. The account was opened and I had to wait on the debit card. Monday morning I receive a phone call saying the account is closing. I call to inquire and they are telling me I have different banks and credit unions near me ( XXXX ). That I rode with a car full of people. I explained there was a passenger and a driver. I asked for a ride due to not having my car due to an accident but there wasnt a car full of people. I also explained the frustration I felt trying to open this account. I was asked again why I wanted to open the account I said to build my credit, I want to purchase a home soon actually a townhouse. But I didnt understand the line of questions and I voiced that. Ive had XXXX  XXXX XXXX XXXX and Ive had multiple bank accounts at one time I do not understand the third degree on me opening a simple credit union account. I became angry because I felt like this was a biased decision.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-09 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:
I have no acknowledgment of this account. My purse was stolen, during that time period and I have XXXX that caused me not to dispute this collection account. My Drivers License, Social Security Card and Birth Certificate were stolen along with several credit cards. I want this collection removed from my credit report. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fradulent, Inaccurate, and false Information consists or a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at bridgecrest credit company on XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation