vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MS

Complaint narrative:
I created a Cash App account at the end of XX/XX/2025. After successfully sending money to a family member, I purchased XXXX through Cash App on XX/XX/2025, intending to transfer it to my external wallet. When I attempted to send the XXXX I received an error message stating : Too many Social Security Number attemptsaccount locked. Contact support. 

Since that day, Ive reached out to Cash App support a minimum of 23 times per week. Ive completed all requested identity verification steps, including uploading my government-issued ID and completing the required face scan. My personal information ( name, address, and SSN ) is accurate and matches my account, yet I continue to receive generic responses when reaching out to support via chat stating my identity can not be verified, and that my issue is being escalated. 

As of today, my XXXX wallet remains locked. Cash App tells me I can still use regular Cash App features, but I can not access, sell, or withdraw my XXXX balance. This is unacceptable, as the platform allowed me to purchase XXXX but now prevents me from accessing those funds. 

I am requesting a formal resolution to either : 1.Unlock my XXXX  wallet so I can transfer or withdraw my funds. 
OR 2.Allow me to sell the XXXX inside the app and withdraw the USD equivalent. 

My funds are being wrongfully held without valid reason. I am requesting CFPB assistance to help resolve this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CARD Corporation
State: OH

Complaint narrative:
I Sumbitted XXXX claims for unauthorized transactions all from somewhere called XXXX  the denied all claims within XXXX hours is it possible to do a thourough investigation on that many transactions? Before i sent my rebutle request i did an investigation of my own and found that binpay is backed by XXXX  which is the card provider for my bank and they also partner in stopping these fraudulent transactions from happening but the company that recieved the money from the unauthorized transactions i disputed that is partnered witj my bank and are the ones doing the investigation o my disputes and alk claims were denied almost instantly i submitted this information in my rebutle stating this was a major conflict of intrest and demanded a full and complete investigation be conducted my rebutle was denied in less than XXXX hours reason being said that i didnt submit any new information after i included all of this and now i had an atm error for XXXX i submitted in writing on XX/XX/XXXX they claim i never filed i sent them a copy of the the original email on XX/XX/year> and they now say i filed the dispute on XX/XX/year> and now they have 45 days to complete an investigation but regulation e says if a provisional credit isnt isuued or a decision based on a thouroigh investigation isnt probided within 10 business dsys then that claim is awarded to the customer permantly and no investigation can continue beyond that point so now they have a total of {$640.00} they have not returned any of it not XXXX XXXX and i fee l like im being scammed by my own bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: MI

Complaint narrative:
My three US. Bank credit cards were closed for no reason today. After calling their customer service, I was initially told my account was frozen to make sure there wasn't any fraudulent activity, and the representative transferred me to their verification team. I was then told by the verifcaition team that the bank terminated all my accounts, with no specific reason given. For one of the three credit cards, I recently just got billed for and paid the annual fee of {$400.00}. This is absurd, this is the bank I have been with since 2017, now they first charge the annual fees, then close my account. I want to have my cards reinstated! If not, I want to have my annual fee refunded!

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 2025-07-16 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: WA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-16 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: IN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX. XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} INQUIRIES : XXXXXXXX XXXX  Date : XX/XX/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 2025-07-16 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-16 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: NY

Complaint narrative:
These inquiries were fraudulently added to my Credit Report : XXXX XX/XX/2025 XXXX XX/XX/2025 XXXX XX/XX/2025 XXXX XXXX XX/XX/2025 XXXX XX/XX/2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
I did not authorize or open these accounts and suspect they were fraudulently added. I ask for immediate correction of my credit report and a full investigation. Please refer to the attached documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
The company keeps calling me and texting me during my place of work and I asked them multiple times to stop contacting me and send me validation of debt and contact of all parties signing and they did not provide this... I want them to delete it and never contacted me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
A fair and lawful resolution under the Fair Credit Reporting Act ( FCRA ) requires that Equifax : Permanently delete the inaccurate late payment being reported for : FREEDOM MTG Account Number : XXXX Require proper validation from the furnisher, including : Proof that the creditor sent timely notice of the payment due Documentation of any reminders, billing statements, or default notices A verification that the notice was provided prior to reporting the late payment to Equifax If no such proof can be furnished, Equifax must delete the late payment entry immediately under FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681i ( a ).

Send written confirmation of the deletion and an updated, corrected copy of my credit report within 15 business days.

If Equifax fails to do so, I will proceed with additional regulatory complaints and consider legal action under FCRA 616, which allows recovery of up to {$1000.00} per violation, plus attorney 's fees and actual damages. 

This is a matter of compliance, not preference. I am requesting nothing more than what is owed to me under federal law : a fair opportunity to dispute an error and have it removed if unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
This report is being submitted to address inaccuracies on my credit report. Equifax has verified that a system malfunction caused my personal information to be leaked and subsequently used without my consent. I have faced denial of credit because of this, and I am requesting prompt resolution within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I asked that this account from XXXX be removed. I reached out to TransUnion with no luck. It has been removed from both experian and Equifax. XX/XX/year> it should have been deleted and I sent the proof.

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 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
This person hacked my accounts and did transactions and I didn't. Says refunded but it hasn't. The person then blocks me and they aren't even on a list for contacts. Cash app is standing for this person. They keep telling me I'm wrong and I didn't send this or approve it. Cash app just kps running me around.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Dear Bank of America, I am writing to formally dispute the inaccurate reporting of my account status with your institution to the credit bureaus. I enrolled in a payment plan with Bank of America in XX/XX/2025, agreeing to pay {$32.00} per month on the XXXX of each month. My understanding of the agreement was that on-time payments would prevent further delinquency, and I was never explicitly informed that my account would remain marked as delinquent unless I paid off the entire balance in full. 

However, I have noticed that my credit report continues to reflect delinquent payments/ missed payments for the months following the start of my payment plan, even though I have made timely payments as agreed. During a recent call with a customer service representative, I was told that my account was brought to current for XXXX and XXXX as a courtesy after I had paid the full monthly balance, yet I was also told that I had brought my account current by paying the full due amount. This contradiction is concerning and points to a lack of clarity and consistency in your communication. 

The written disclosure for the payment plan I signed did not state that my account would not be brought current upon making the agreed-upon payments. Instead, it only indicated that my account could go into delinquency if a payment was missed, which I have not done. Given that I have adhered to the terms of the agreement and continued making payments, I request that you immediately update my account status to reflect accurate and current information. 

If this issue is not resolved promptly, I will be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and disputing the information with the credit bureaus directly. This is to ensure that my credit is accurately represented and that any negative impact from this error is corrected. 

I would appreciate your immediate attention to this matter and look forward to your response. 

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NC

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 2025-07-16 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: Sterling Credit Corp.
State: FL

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint the never sent me verification of debt, the ORIGINAL contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-16 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: Source Receivables Management LLC
State: LA

Complaint narrative:
XXXX XXXX XX/XX/XXXX Source Receivables Management XX/XX/XXXX Pay Tomorrow XX/XX/XXXX XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX Ally Financial XX/XX/XXXX Capital XXXX Auto Finance XX/XX/XXXX Capital XXXX Auto Finance XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ML Enterprises/ Engine by XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fair Collections Outsourcing XX/XX/XXXX PathForward / Oportun XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IL

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXXXXXX XXXX Date : XX/XX/year>

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief