vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil 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 non-monetary relief
Consumer complaint received 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: OR

Complaint narrative:
I was a victim of fraudulent activity on my debit card with Sofi Financial banking and I reported that my bank card had been jeopardized so they replaced it but they are now denying my claim despite showing them proof that the refund has already taken place from the company on XX/XX/XXXX so far Financial continues to say that my dispute has been denied they don't have the authority to dispute anything or deny anything the refund was already made by chargeback on XXXX Customer Service Hello! 

Your request ( # XXXX ) has been updated. To proceed with this issue you could just answer this e-mail : XXXX ( XXXX XXXX ) XXXX XXXX, 2025, XXXX XXXX Hello, XXXX! 

Thank you for contacting our team. We are really sorry that you have faced this issue, but per checking all the payment are refunded from our side. Since the chargeback was opened, the refund process is also on your bank. To double check, we have made a request to our responsible team, hoping they will advise on how to resolve this. 
Hoping for your understanding while we are checking. 
Senior Customer Service Agent XXXX XXXX XXXX XXXX, 2025, XXXX XXXX Screenshot ( 8 ) .png Screenshot ( 2 ) .png Screenshot ( 3 ) .png Screenshot ( 4 ) .png Screenshot ( 5 ) .png Screenshot ( 6 ) .png Screenshot ( 7 ) .png Screenshot ( 8 ) .png Attachment ( s ) Screenshot ( 8 ) .png Screenshot ( 2 ) .png Screenshot ( 3 ) .png Screenshot ( 4 ) .png Screenshot ( 5 ) .png Screenshot ( 6 ) .png Screenshot ( 7 ) .png Screenshot ( 8 ) .png 2025, XXXX ( XXXX ), XXXX All rights reserved If you have received this email in error or wish to unsubscribe , kindly inform us. 

Terms of Use [ XXXX ] Show trimmed contenXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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 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 2025-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: COMMERCE BANK
State: MO

Complaint narrative:
For 6 months Commerce Bank has deposited XXXX and XXXX up to XXXX days early. I am the only person according to XXXX and Commerce that receives deposits so early. I knew for 6 months that Commerce and XXXX were getting me comfortable with early deposits in order to stop the early deposits and put me in further financial distress which is happening right now. Commerce has authorization from XXXX to fo ahead with the deposit and there are no suspensions on my account, Commerce Bank depositing this today would be the same as every month for XXXX months but Commerce Bank refuses to and hangs up on me when I call yelling at me accusing me of lying or trying to steal money that's not mine and or accusing me of claiming things their staff said that they didn't, on a recorded line that's easily checked. I am traumatized by that Commerce employee he just scared me so bad, never mess with people who handle your food or your money so I am terrified of losing my money to Commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
We bought a Kia XXXX in XXXX from Kia XXXX XXXX. Everything we thought " great '', but then we got our first bill in XXXX, when we received it the amount was higher, we found it was due to taxes being added by Kia Financial, but taxes were not on line 8 of the contract. After discussion, the finance manager from Kia XXXX XXXX came to us to sign a new contract with taxes and even a lower monthly payment. After he left we thought again it'd be fixed, but time lapsed and never fixed, come to find out they fired the finance manager and the contract never got sent over from XXXX XXXX to Kia Finance. Now they have the contract on file per the new General Manager we've been in contact with at XXXX XXXX ( His name is XXXX cellphone ( XXXX ) XXXX ) but no one to honor it or reach at KIA finance and now our credit is being dinged for past due and a negative amount on our account. We are receiving collection letters in the mail because we are only paying what we agreed too. We have cellphone correspondence with XXXX and him confirming he has our contract that we resigned and no one at his own Finance dept. at Kia will allow him to send that contract over? I've been calling multiple departments since we found out the issue since XXXX. We currently pay {$820.00} a month as per the contract we signed and they are saying we are supposed to pay {$930.00} a month. We now have a collections on account of {$470.00} due to the difference in payment and we have been in collection notice in the mail for over 30 days. Some other notes we have - called back at XXXX XXXX XXXX working with finance manager XXXX called from cellphone # XXXX consumer affairs dept.XXXX with case # 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 2025-04-25 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 am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: Early Warning Services, LLC
State: GA

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts and credit inquiries were made in my name without my knowledge or authorization. 

I submitted a Police Report ( XXXX XXXX Police Department, Case # XXXX ) and a completed FTC Identity Theft Report ( Report # XXXX ) to [ XXXX XXXX Early Warning Services ], along with my valid government-issued ID and proof of address. 

Despite providing all required documentation, [ XXXX XXXX Early Warning Services ] failed to block or remove the fraudulent accounts within the 4 business days required under the Fair Credit Reporting Act ( FCRA ) 605B. 

The fraudulent accounts and inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Supporting documents ( Police Report, FTC Report, ID, ) are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-25 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-25 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
While visiting two different branches apart from my base branch within the past two days ; I've been trying to regain access to my checking account by showing up with my I.D . and cell phone to manage my account. The first branch I visited was the XXXX location wherein I had asked that my telephone number and email be updated so that I can manage my account. That location was able to update my email only ; leading me to believe that my telephone number had also been updated by the branch. Normally, there is a text message verification that's used to verify Chase accounts. The agent didn't explicitly request that I needed to comply with that. As a result, when I visited the XXXX branch XXXX I'm certain that these rules apply. The agent upon giving her my telephone number and ID mentions that she couldn't update my telephone number because I couldn't receive the code with that number. What I noticed was, she didn't input the number I needed to update in her system. Instead, she used another number that was a XXXX number that someone else had used that had access to my account somehow? A XXXX XXXX XXXX number I created but never had the chance to use has been installed for in a number of applications that require XXXX. Thus, instead of updating the telephone number that she instructed me to provide, she insisted that the telephone number ending in XXXX that I'm certain qualifies for XXXX doesn't receive the code. She basically withdrew my claim to update the new number and email address to warrant this disposition.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am filing this complaint against Nelnet Student Loan Service due to errors in my student loan account. On XX/XX/XXXX, I noticed that my loan balance was incorrectly reported as {$250000.00} and subject to start repayment in XX/XX/XXXX. My payment calculations will be inaccurate and thus misapplied if loans acquired between XXXX are factored in. From XXXX I attended XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Both XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX owned by XXXX were named defendants of the final approved settlement of XXXX XXXX XXXXXXXX ( formerly XXXX XXXX XXXXXXXX ). I contacted customer service and XXXX  regarding the processing of my XXXX XXXX claims. The settlement pay-outs have begun for the first round of plaintiffs. My claim is scheduled for decision by XX/XX/XXXX, otherwise the relief sought will be automatic granted and balanced paid. Nelnet and the DOE failed to process and or subsequently tailor my account to reflect that there is a settlement and thus defer or remove the balance so that it is not included in my payment calculations. Furthermore, I can no longer swear an oath to the financial accuracy and integrity of my account after the actions taken by the current administration as well as the anticipated dismantling of the Department of Education and transfer of the account to the Small Business Administration SBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NJ

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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