vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MA

Complaint narrative:
I have had an account with a company called CashApp. I primarily used CashApp to have a way to digitally reimburse members of my family, friends, etc. A few weeks ago I used the app to send funds to fellow member of my XXXX for a XXXX raffle ticket. Unfortunately I did not notice that when I typed " XXXX XXXX '' into the reason box that autocorrect changed this to " XXXX XXXX. '' CashApp then reached out to me claiming that I was somehow engaging in sanctions evasion. Over {$40.00} exchanged between two XXXX XXXX living in Massachusetts. I provided them information proving that me and the recipient are XXXX people who are members of a XXXX board in Massachusetts where we both live and that the funds were related to a XXXX holiday celebration on XX/XX/year>. CashApp initially accepted this answer, but then several weeks later they closed my account without notice to me ( account closed in XX/XX/year> ). I only discovered the closure when I went into the app. When I asked them to explain they refused to say whether the closure was directly linked to the XXXX raffle ticket matter or not and simply insisted that I violated their terms of agreement while refusing to identify which term in their terms that I allegedly violated. I made multiple appeals only to be provided the same vague answer without specifics. Given the rise of XXXX in America at present, and the fact that the closure does at least on the surface appear connected to a matter relating to my XXXX life, I can not help but suspect that there is a direct connection and that this is why CashApp refuses to explain their reasons as that might implicate them as discriminating against me on the basis of my religious identity. At a minimum I would like to know what precise term within their terms of agreement that I violated and be provided proper due process, i.e. a real appeal not just a form email response with a vague non answer answer that comes across like a parent insisting the child know what they did wrong while refusing to articulate what the " wrong '' was. I hope that the CFPB may be able to help me at least obtain answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: GA

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 2025-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This Sychronony closed my acct without being notified. Please provide more info and my signature showing I requested to close acct.

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 2025-04-30 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:
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 explanation
Consumer complaint received 2025-04-30 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, XXXX XXXX XXXX ( mo ) 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 2025-04-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
Good afternoon CFPB, Monetary Financial Services made continuous phone calls and emails in attempt to collect a debt past due in which I can't pay due to job loss and not having income. The debt collections office continued to harass me after I stated the following " Please cease and desist all phone calls and emails regarding this debt. '' the threat of the phone calls after this statement were if I do not pay anything they will note on the account to hit my credit score and send me to collector for continued harassment. With this being said this is breaking the law and their representatives had no business contacting a mentally ill individual. I will need legal representation for this matter since I am discriminated and emotionally distressed with this harassment coming from this debt collection office I encourage the Bureau to look into this company and bring better resolution to why they are harassing people after being asked to cease communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
This account should not be showing up on my credit report. Its currently tied up in pending litigation, and reporting it as-is is not only inaccurate its misleading and unfair. This account is under active legal dispute. Until the matter is resolved in court, it should not be treated as valid or final in any way. Reporting it right now misrepresents the actual status of the situation.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Debt validation letter is incorrect on my credit report the credit bureau are entertaining information from a debt collector that I legally put it on my report without doing a proper investigation. The three barrels are Equifax, Transunion and Experian. The illegal debt collector is fair collection outsourcing.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Debt validation letter is incorrect on my credit report the credit bureau are entertaining information from a debt collector that I legally put it on my report without doing a proper investigation. The three barrels are Equifax, Transunion and Experian. The illegal debt collector is fair collection outsourcing.

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 2025-04-30 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: PA

Complaint narrative:
Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : Bankruptcy XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-04-30 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and 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 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 2025-04-30 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: CAVALRY INVESTMENTS, LLC
State: MN

Complaint narrative:
For several months I was aware of accounts opened in my name without my knowledge or authorization. 
I contacted the company ( via reaching out through FTC identity theft report and sent to the crdit bureaus ) to request verification of the original documents and information used to open this account. However, they were unable to provide these details. This lack of documentation raises serious concerns and further supports my claim of identity theft. Some of these companies I called and found that the information they had ( spelling of name, ssn, address ) did not match my true information. I sent these companies my true information and they disregarded and failed to acknowlege the ID theft and maintained this account belonged to me. 

I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Attention CF pb equifax response fails to comply with fcra requirements, no proof of debt validation provided no original creditor information disclosed credit report errors remain uncorrected and you are responsible for insurance Equifax complies with federal law I request immediate intervention and correction of these violations in compliance with a 15 USC 1692 e g and I

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 2025-04-30 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: IL

Complaint narrative:
Attention CF pb equifax response fails to comply with fcra requirements, no proof of debt validation provided no original creditor information disclosed credit report errors remain uncorrected and you are responsible for insurance Equifax complies with federal law I request immediate intervention and correction of these violations in compliance with a 15 USC 1692 e g and I

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 2025-04-30 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:
I am XXXX XXXX XXXX XXXX, and XXXX experiencing a mixed file issue with Experian involving my twin brother. I filed a dispute with Experian on XX/XX/XXXX, but my credit report still shows inaccurate and damaging information. 

My Experian file includes the wrong : Names ( XXXX XXXX XXXX, XXXX XXXX these are not my legal names ) Date of Birth ( shows XXXX I was born in XXXX ) Employers ( shows my brother 's job history ) Accounts that do not belong to me, including : An XXXX XXXX XXXX XXXX XXXX XXXX account Multiple Bank of America accounts that are not mine I am also listed as an authorized user on a credit card I did not open. While I do recognize some accounts, this is clearly a case of identity blending between me and my twin. Ive provided documentation in my previous dispute and am now escalating because Experian has failed to correct the 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 explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I agreed with XXXX XXXX XXXX XXXX to settle my debt with TD bank. This was a debt I owed with TD with a XXXX credit card. The total amount owed was {$2300.00}. However we settled for XXXX payments of {$500.00} on XX/XX/XXXX, {$740.00} due on XX/XX/XXXX and {$740.00} due on XX/XX/XXXX. 

I made all these payments however, XXXX XXXX failed to tell TD/XXXX  XXXX that we agreed on a settlement amount. TD says they see I made payments however that there is no settlement made. When I call both companies, they simply tell me to call the other. My credit report states this account is charged off and the total balance is still owed. Even though they tell me they can see that payments were made. They have not updated my credit since XX/XX/XXXX to reflect the payments they agreed they could see. 

This account should show Paid for less than the total amount due, but instead shows as a negative charge off. However both companies agreed the payments are shown. XXXX XXXX agreed to a settlement and has not honored it. It has been XXXX  months since the agreement was made and XXXX  days since the last payment was made. and a year since it has been updated. Both companies said it can take up to XXXX  days. We are past both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
Incorrect information on your credit report Account information is inaccurate, outdated, or misreported. XXXX Partial Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Details of the Complaint : I am submitting this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection laws in the reporting of the account XXXX XXXX XXXX XXXX XXXXXXXX XXXX on my credit report.

Despite being closed and showing a {$0.00} balance, the account continues to reflect progressive delinquencies ( 30 to 150 days late ), which is a violation of the FCRA and Metro 2 reporting guidelines. Additionally, the creditor remarks are contradictory stating the account was sold to another lender while simultaneously indicating unpaid balance by the original creditor, creating a materially misleading and inaccurate report.

Further, no closing date or new creditor is provided, violating my rights under the Gramm-Leach-Bliley Act ( GLBA ) and the Truth in Lending Act ( TILA ), which require clear and timely disclosure when ownership of debt changes. 

I disputed this information directly with Experian and formally requested a manual reinvestigation and a copy of the method of verification under FCRA 1681i ( a ) ( 7 ). However, Experian failed to perform a proper reinvestigation and did not correct the inaccuracies, despite my documented submission.

These failures amount to : Violations of FCRA 1681e ( b ), 1681i, and 1681s-2 A deceptive reporting practice under UDAAP ( 12 U.S.C. 5531 ) Noncompliance with Metro 2 technical reporting standards

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 2025-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX XXXX in XXXX XXXX several years ago. I only had the vehicle for a few months and the motor went out. I took the vehicle back to the dealership to see if they could fix my vehicle. They said they couldnt so I voluntarily turned the vehicle back in to the dealership due to I couldnt drive the vehicle so I didnt want to continue making payments on a vehicle I no longer had or could drive. This balance is over XXXX XXXX  owed and its on my credit report and causing me to not be able to get anything or finance anything because my credit score is so poor. I am trying to get this taken off of my credit report since its been nearly XXXX or XXXX  years. Thanks!

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Im filing this complaint because Equifax is claiming they cant find my credit file, and I honestly dont understand what the issue is. I recently submitted a formal request for them to unlock my credit report, I included my supporting documents. Despite providing all this, they continue to say they cant locate my record. 

This is very concerning to me because I need access to my Equifax credit report to monitor for possible identity theft, incorrect reporting, or other issues that could impact my financial standing. I havent received a proper explanation from Equifax, and their response has been vague and unhelpful. At this point, Im not sure if my file is missing, blocked, or simply being ignored.

Im requesting that the CFPB step in and ensure Equifax takes this issue seriously, locates my credit file, and updates their records accordingly so I can access and monitor my report like every consumer should have the right to do.

Company response to consumer: Closed with non-monetary relief