vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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 formal complaint against CashApp ( Block Inc. ) due to inadequate customer service and unfair practices that I believe violate both the Electronic Fund Transfer Act ( EFTA ) and the Consumer Financial Protection Act ( CFPA ).

I experienced an unauthorized transaction on my CashApp account and immediately reported the issue through the proper channels. Despite doing so, I received either automated responses or no resolution, and my funds were not returned. CashApp failed to conduct a reasonable investigation or provide a timely response, as required by the EFTA ( 15 U.S.C. 1693 et seq. ), which protects consumers from losses due to unauthorized electronic fund transfers.

Additionally, CashApps lack of transparency, limited access to real customer support, and unexplained account restrictions reflect unfair, deceptive, and abusive acts or practices ( UDAAP ), in violation of the CFPA ( 12 U.S.C. 5531 ). I was not given clear guidance on how to dispute the transaction or restore access to my funds, resulting in financial hardship and unnecessary stress.

I am seeking resolution and accountability for the mishandling of my dispute, the lack of proper communication, and the violation of my consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: WI

Complaint narrative:
Re : Request for Debt Validation pursuant to XXXX XXXX. XXXX and Cease and Desist Directive To Whom It May Concern, This letter is sent in response to a collection notice received from your office regarding an alleged debt. Be advised that this is not a refusal to pay, but a notice that your claim is disputed and validation is requested pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX. 
In accordance with my rights, I request that you provide me with complete and competent validation of the alleged debt. Specifically, please include the following : XXXX. The name and address of the original creditor ; XXXX. The full account number of the alleged debt ; XXXX. A complete payment history, including the amount of the alleged debt, any interest, fees, and other charges ; XXXX. A copy of the original signed contract or agreement bearing my signature or some form of contractual obligation to pay ; XXXX. The assignment agreement that legally transfers the alleged debt from the original creditor to your agency or client, as required to demonstrate standing and chain of custody ; XXXX. The name and license number of the collection agent assigned to this case. 
Additionally, I direct your attention to XXXX XXXX XXXX XXXX XXXX, XXXX, where the XXXX XXXX emphasized that debt collectors must provide sufficient documentation to substantiate their claims. Simply stating a balance due or providing a billing statement is not sufficient validation under FDCPA standards. 
Until the requested validation and documentation are provided, you must cease all collection activities, including reporting or verifying this alleged debt with any credit bureaus. 
Furthermore, I hereby invoke my rights under XXXX XXXX. XXXX ( c ) and demand that you cease and desist from all communication with me regarding this matter, except for providing the specific documents and information requested above or to inform me that collection efforts are being terminated. 
Please note that any failure to provide proper validation or to honor this cease and desist may be considered a violation of the FDCPA and subject to further legal remedies. 
I will retain a copy of this letter for my records and may present it as evidence in any legal or regulatory action taken in response to your conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CT

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts I am not familiar with. I have asked the CRAs for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find the attached copy of my ID and FTC complaint showing my information being exposed in a national data breach.

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 2025-04-14 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 HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-14 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I would like the creditors to remove the account from my credit report

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I would like the creditors to remove the account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I would like the creditors to remove the account from my credit report

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
THIS CHARGE IS DISMISSED I RECIEVED DEFERRED ADJUDICATION NOT A XXXX IT IS STILL BEING REPORTED AND IS HARMING ME UNFAIRLY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/year> [ Equifax / Experian / TransUnion ] Subject : Formal Request for Immediate Removal of Inaccurate Negative Items from My Credit Report To Whom It May Concern, I am writing to formally dispute the following inaccurate, outdated, or unverifiable negative entries that appear on my credit report ( see attached copy of report with items highlighted ). As provided under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute these items and request their immediate removal or correction. 

The following items are inaccurate or unverifiable : XXXX XXXX XXXX  XXXX ga XXXX XXXXXXXX XXXX : XXXX : Inaccurate because : not my account, XXXX XXXXXXXX : not my account XXXX XXXX XXXX  XXXX : not my account XXXX XXXX  XXXX ; NOT MY ACCOUNT XXXX  XXXX : REMOVE ALL LATE payments XXXX XXXXXXXX XXXX XXXX : not my account XXXX XXXX : not my account XXXX XXXX  XXXX : This item is unverifiable and has no supporting documentation provided to me upon request. 

Remove all inquiries and closed account Under the FCRA, you are required to investigate and delete any information that can not be verified or is found to be inaccurate. If you are unable to provide proper validation within XXXX  days of receiving this letter, I expect these items to be permanently deleted from my report. 

Please send written confirmation that these items have been removed or corrected. I am also requesting an updated copy of my credit report reflecting these changes. 

Failure to comply with this request will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue any further legal remedies available to me under the law. 

I have enclosed the following documents to support my request : A copy of my government-issued ID Proof of address Please consider this letter a formal demand and act accordingly. I expect your written response within XXXX days, as required by law. 

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 explanation
Consumer complaint received 2025-04-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed two fraudulent accounts from my Equifax credit report on both XX/XX/year> as well as XX/XX/year> to no avail. Equifax has hindered my life by not doing their due diligence and removing these two fraudulent accounts from my credit report. XXXX XXXX as well as XXXX XXXX XXXX. The troubling part of this situation is that this is the only bureau that seems to be targeting me. I have uploaded my driver 's license as well as an FTC report stating that these accounts are fraud. Do the right thing Equifax. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TN

Complaint narrative:
I submitted lawful affidavits to this company demanding the removal of all unauthorized information, a permanent freeze on my account and data, and a full revocation of any presumed consent to collect, store, or report my personal information. 

I am the Secured Party Creditor over the private estate associated with this account. This company has no verified contract, no valid consent, and no lawful authority to access or use my data under 15 U.S.C. 1681b, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), and applicable trust law. 

I have demanded proof of authority or contract, which has not been provided. I am now escalating to the CFPB for enforcement and resolution. Affidavits documenting my demands are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I sent a debt validation letter via certified mail, they did not respond to the letter and it has been more than 30 days since the letter was delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
They have refused to remove the negative report from XXXXXXXX XXXX  after 7 years, dated XX/XX/year>. When XXXX XXXX and XXXX deleted it, they deleted it from my wife but not from me, and they penalized me twice by lowering my score with XXXXXXXX XXXX  and XXXX Back when it is the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: TX

Complaint narrative:
I need account removed from my credit report it's been charged off by Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Formal Dispute and Validation Request for Charged-Off Account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Statement period covered XX/XX/XXXX through XX/XX/year>. 
Previous Balance = {$180.00} Payment due date : XX/XX/year> Payments = {$180.00} received on XX/XX/year> Interest Charged = {$7.00} Account information states : We will not charge you any interest on Purchases if you pay your Statement Balance by the payment due date each month. 

I requested a Courtesy Credit = {$7.00} XXXX advised I was ineligible for a Courtesy Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

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 2025-04-14 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:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

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 2025-04-14 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes. 
Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-04-14 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes. 
Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
XXXX / SoFi is fraudulently withdrawing money from my bank account. I paid off my student loans with XXXX in full in XXXX of XXXX and can support this. Beginning in XXXX of XXXX, XXXX began withdrawing money from my account again but I have not taken out any additional loans. This has gone on for 6 months but I only just caught it. I called and waited 45 minutes for a return call only to be told they have no record of my account and would have to transfer me to another department. The hold time then increased to 3 hours and 10 minutes. They called me back around then and after 30 minutes with the next person he could not help me and told me he would need to transfer me to another dept. I asked for an email address so I can email my issue with screen shots of the bank activity and he declined to provide me with a general email or his supervisors email after repeated requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Requesting a 1099C since the company has charged off the amount.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis misspelled my legal name in an official dispute response letter, which highlights a pattern of inaccuracy and misidentification that is central to my ongoing complaints. 

My correct legal name is : XXXX XXXX XXXX ( with XXXX XXXX  in XXXX ). 

However, in the XX/XX/2025 dispute response letter ( Case # XXXX ), LexisNexis addressed me as : XXXX XXXX XXXX omitting XXXX " XXXX  '' in my last name. 

This may appear minor, but its a serious issue in the context of consumer data and identity-matching. LexisNexis has associated me with inaccurate address and bankruptcy information. A misspelled name could be contributing to this false match. It also reflects poor handling of personal identifiers and undermines the credibility of their verification process. 

This error violates FCRA 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy of the information they provide. If LexisNexis can not correctly spell my legal name, how can they be trusted to verify complex public record data?

Company response to consumer: Closed with explanation