vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: MA

Complaint narrative:
I am filing a complaint against Cash App regarding a {$500.00} refund/chargeback that Cash App claims they approved, but my bank ( XXXX XXXX XXXX XXXX XXXX never received. 

The original {$500.00} payment was sent in error to a persons old Cash App account. The recipient confirmed to me that Cash App closed their old account and will not allow them access to return the funds.When he tries to log in it says this account doesnt exist because the account was closed, Cash App is withholding the {$500.00} refund from me the sender. The {$500.00} is sitting in an account that nobody has access to. 

I filed a dispute through my bank, and Cash App later confirmed in writing that the chargeback was approved on XX/XX/XXXX. Cash App told me the {$500.00} was already sent back through the chargeback process. However, my bank states they never received any documentation, settlement ID, or funds from Cash App. Now causing the provisional credit to be removed and my account to be overdrawn {$200.00}. The bank already took {$300.00} which was for my car payment. 

Cash App refuses to provide me with the chargeback settlement number or any proof for my bank to process the refund. They also refused to participate in a XXXX call with me and my bank, stating they do not consent to being recorded. As a result, the {$500.00} is in limbo not in my Cash App account, not in the recipients account, and not returned to my bank account. 

I am requesting CFPB assistance to : XXXX. Require Cash App to provide the settlement confirmation or chargeback details to XXXX XXXX. 
XXXX. Require Cash App to provide me or my bank with the settlement ID. 
XXXX. Ensure the {$500.00} refund is properly transmitted or reissued since the original recipients account was closed. 
XXXX. Provide a written explanation of how they handled the chargeback and why the refund was not properly communicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
REGIONALAC- is falsely reporting on my credit. I have never had any accounts with them. Per my research REGIONALAC- is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

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 2025-11-21 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:
I reviewed my Equifax credit report and found multiple inaccuracies and compliance violations that breach the Fair Credit Reporting Act ( FCRA ), particularly XXXX ( b ), XXXX, and XXXX, as well as the XXXX XXXX format requirements issued by the XXXX XXXX XXXX XXXX ( XXXX ). 

Equifax is currently reporting an account from XXXX XXXX XXXX XXXX ( ending in XXXX ) as a derogatory auto loan charge-off, with Charged-off account and Unpaid balance reported as a loss by credit grantor. However, this account is filled with errors, such as : Missing or inconsistent original creditor fields Inconsistent formatting compared to XXXX and XXXX Incorrect or unverifiable XXXX XXXX codes Additionally, there are multiple inquiries listed, including XXXX from XXXX on XX/XX/XXXX, and XXXX from US Bank XXXX XX/XX/XXXX and XX/XX/XXXX. These inquiries do not reflect a stated permissible purpose under FCRA XXXX, and no authorization was provided. 

Also, the report contains conflicting personal information, such as : Alternate names ( e.g., XXXX, XXXX XXXX ) Inaccurate or outdated addresses and employment data not matching my actual residence or work history On XX/XX/XXXX, I submitted a formal dispute to Equifax demanding reinvestigation and full validation of these items, including XXXX XXXX compliance and legally required proof of accuracy. No adequate correction or documentation has been provided to date. 

I am including a copy of my dispute letter and full identification ( drivers license and SSN ) to support this complaint. These errors are harming my credit profile and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: EGL US, LLC
State: SC

Complaint narrative:
BMG Money seems like they are not applying the money to the balance correctly I have been paying on this loan through allotment bi weekly I have never missed a payment. I pay XXXX a pp and it is XXXX payments a year. I just seems to me that they are not putting the payment to the balance. I should have paid over 4,000 dollars to BMG money. My loan should be half way paid off. but it has only paid down like 1,000 dollars. I CFPB can look into these practices I would truly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I am filing this formal complaint under FCRA XXXX ( XXXX U.S.C. XXXX ) requesting that Experian immediately block and permanently remove multiple fraudulent accounts, including Collections, Charge-Offs, Late Payments, and Hard Inquiries, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of identity theft, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the XXXX XXXX XXXX. The fraudulent items include an XXXX account ( Account XXXX. XXXX ) opened on XX/XX/XXXX with a balance of {$36000.00}, and a XXXX XXXX XXXX  credit card ( Account XXXX. XXXX ) opened on XX/XX/XXXX with a balance of {$5200.00}, neither of which I authorized nor recognize. I am demanding that these fraudulent accounts be permanently removed in accordance with my rights under federal law. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX on XX/XX/XXXX under account XXXX, and a credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under account XXXX. These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I demand that these fraudulent items be removed from each of my consumer credit reports and that all collection activity related to them cease pursuant to my rights under the FCRA and FDCPA. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-11-21 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: OK

Complaint narrative:
All three credit bureaus are reporting fraudulent accounts on my credit reports. I have submitted all required documentation to have these accounts removed ; however, I have never received any verification or supporting proof. These accounts must be deleted immediately as they are the result of identity theft and are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: OK

Complaint narrative:
All three credit bureaus are reporting fraudulent accounts on my credit reports. I have submitted all required documentation to have these accounts removed ; however, I have never received any verification or supporting proof. These accounts must be deleted immediately as they are the result of identity theft and are not mine.

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 2025-11-21 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: CBC Companies, Inc.
State: SC

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 would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection XXXX of the XXXX XXXX XXXX to sting XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX ( Goldman Sachs Bank ) regarding their failure to respond to my direct written dispute of an account they are furnishing to Equifax. The account number is XXXX * * * * * * * * * *, with a reported balance of {$1700.00} and listed as a charge-off/derogatory. 
I sent XXXX XXXX a formal dispute letter requesting verification and documentation of this account under my rights in the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ) and XXXX, as well as the Fair Debt Collection Practices Act ( FDCPA ) XXXX. They have not responded at all, and the statutory time frames for reinvestigation and verification have passed. 
Despite their failure to respond, XXXX XXXX continues to report the account to Equifax as derogatory and in collection/charge-off status. This constitutes : Failure to conduct a proper reinvestigation under FCRA XXXX Failure to correct or cease furnishing disputed information under FCRA XXXX ( a ) ( XXXX ) Continuing to furnish information that has not been verified Failure to provide validation under FDCPA XXXX, if the account is being collected or reported as a debt GS BankUSA has ignored my dispute entirely. I have no verification, no documentation, no explanation, and no communication from them. They simply continue reporting the account without fulfilling their legal obligations. 
I am requesting CFPB assistance because the creditor is refusing to respond to me directly and is continuing to furnish unverified and disputed information to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: AR

Complaint narrative:
I formally disputed this account with TransUnion, Experian, and Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite multiple attempts, no information or verification was ever provided, and the matter remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: AR

Complaint narrative:
I formally disputed this account with TransUnion, Experian, and Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite multiple attempts, no information or verification was ever provided, and the matter remains unresolved.

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 2025-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Global Lending Services LLC
State: KS

Complaint narrative:
What happened : My vehicle was declared a total loss, and my insurance company paid almost the entire loan directly to Global Lending Services. The remaining balance is under {$700.00}. I called GLS to request a goodwill write-off due to financial hardship, and the representative told me that management does not offer goodwill write-offs. When I asked for that in writing, they refused and only told me to email a hardship request. 

I sent my hardship request on XX/XX/year> to the email address GLS gave me. It has been almost two weeks with no acknowledgment, no response, and no confirmation they even reviewed my request. GLS is not communicating and is refusing to provide any written policy information about goodwill or hardship options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: The Bureaus, Inc.
State: FL

Complaint narrative:
The Bureaus Inc. ( XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) is reporting a fraudulent {$1000.00} collection account # XXXX on all three credit reports ( XXXX XXXX XXXX XXXX 

This account was opened on XX/XX/year> without my knowledge or permission. It is identity theft. 

Attached : XXXX. Signed and notarized FTC Identity Theft Affidavit ( executed XX/XX/year> ) XXXX. Florida drivers license and recent utility bill for identification I have also filed an identity-theft report with the XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ). The official PDF has been requested from XXXX XXXX and will be supplemented to this complaint. 

Under 15 U.S.C. 1681c-2 ( FCRA 605B ), the credit bureaus are required to block reporting of this information within 4 business days of receiving the signed FTC affidavit and identification.

Additional violations : No Date of First Delinquency reported ( XXXX XXXX Field XXXX blank ) No documented chain of title from XXXX XXXX Bureaus Investment Group XXXX The Bureaus Inc . 

Relief requested : Immediate 605B block and permanent deletion from all three credit reports Cease all collection activity on this account Statutory damages for willful noncompliance I am a Florida resident. The Bureaus Inc. is a debt collector subject to FCCPA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, There Was Unauthorized Inquires From : 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 This Account Fall Under The Statue Of Limitations Or Are Misreporting On My Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Listed below are the Collection Information that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

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 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: TN

Complaint narrative:
I used CashApps referral program you send a link to someone with a cashapp account I did this, they use the link to start a new account they did this, they activate a cashapp card they did this, they send {$5.00} to someone they did this, and theyll receive {$5.00} they did after trying to refuse them by claiming they had an account already which they didnt I was supposed to receive {$15.00} but have not. I have screenshotted my conversation with them. Their account is XXXX XXXXXXXX mine is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
XXXX is inaccurately reporting a late payment from XX/XX/year> on my federal XXXX  loan. This late payment appears on XXXX  and TransUnion but does not appear on XXXX which shows the account as paid on time. 

This inconsistency indicates a reporting or data accuracy error. I was not properly notified of delinquency before the late payment was reported, and I brought the account current immediately. All of my federal loans are now in good standing, and I have a strong long-term history of on-time payments. 

I contacted XXXX and requested a review, but they refused to reevaluate or correct the reporting despite the inconsistency across the credit bureaus. 

I am requesting that the CFPB require XXXX  to : ( 1 ) Provide complete verification documentation, including payment history, delinquency notices, and communication logs; or ( 2 ) Correct the inaccurate reporting by removing the XX/XX/year> late payment from all credit bureaus where it was furnished. 

The current reporting is inaccurate, inconsistent, and harmful to my credit despite my history of responsible repayment.

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 2025-11-21 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: IL

Complaint narrative:
XXXX is inaccurately reporting a late payment from XX/XX/year> on my federal XXXX loan. This late payment appears on Experian and XXXX but does not appear on XXXX  which shows the account as paid on time. 

This inconsistency indicates a reporting or data accuracy error. I was not properly notified of delinquency before the late payment was reported, and I brought the account current immediately. All of my federal loans are now in good standing, and I have a strong long-term history of on-time payments. 

I contacted XXXX and requested a review, but they refused to reevaluate or correct the reporting despite the inconsistency across the credit bureaus. 

I am requesting that the CFPB require XXXX to : ( 1 ) Provide complete verification documentation, including payment history, delinquency notices, and communication logs; or ( 2 ) Correct the inaccurate reporting by removing the XX/XX/year> late payment from all credit bureaus where it was furnished. 

The current reporting is inaccurate, inconsistent, and harmful to my credit despite my history of responsible repayment.

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