vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to equate 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 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 those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-04 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I was never notified about this loan or any payment issues until my credit score was impacted. I called Nelnet and they do not have my information in their system. I am asking to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Put in a BillPay transaction with TDBank. Their system showed an account balance for the transfer, well over the {$60.00} transaction. However, the third party service that withdrawals and pays the bills failed to claim the money for the service because a closed account was billed rather than one of two accounts with more than sufficient funds. This account should have been closed for over a year. So I am responsible for the chargeback fee as well as being responsible for the full loan because of the systems glitch. This exceeds bill now exceeds {$900.00}, rather than a {$55.00} per month bill. Upon contacting them they admitted fault for the system glitch and told me I needed a supeana to get proof of phone call and refused to attempt to resolve the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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:
My Experian credit report contains inaccuracies that should have never been reported, and I find this completely unacceptable. These errors raise serious concerns about the reliability of your reporting process. The presence of such incorrect information is negatively impacting my financial stability, and I will not stand by while these mistakes go unaddressed. 

As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information be accurate, and any errors must be corrected immediately. I demand a full investigation and immediate corrective action. Any delay in resolving these issues will not be tolerated. 

Company Name : XXXX  - Account # : XXXX - Reporting Balance : {$0.00} ( 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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 explanation
Consumer complaint received 2025-03-04 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX, XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$370.00} Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$450.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$6000.00} Account Name : XXXX & XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$560.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2200.00} XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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:
The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability. 

Furthermore, I have identified other inaccurate personal information on my credit report, which may be contributing to reporting errors. I am requesting a thorough review and correction of any outdated, incomplete, or incorrect details to ensure the accuracy of my credit 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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
never late on the following accounts please remove immediately. 

Account XXXX  Account Number XXXX Account Type Revolving Account Account Condition Closed Date Opened XXXX XX/XX/XXXX High Balance $ XXXX  Monthly Payment {$0.00} Last Payment Date XXXX XX/XX/XXXX Account Balance {$0.00} Last Reported XXXX XX/XX/XXXX Amount Past Due {$0.00} Limit {$1500.00} Remarks Account closed at credit grantors request Creditor Comments Account closed at credit grantors request Your Statement - Responsibility Individual Past Due - 30 DAYS XXXX Past Due - 60 DAYS XXXX Past Due - 90+ DAYS XXXX The table below represents 24 months of account repayment history PAST 24 MONTHS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Account XXXX XXXX  XXXX Account Number XXXX Account Type Revolving Account Account Condition Open Date Opened XXXX XX/XX/XXXX High Balance $ XXXX  Monthly Payment {$3.00} Last Payment Date XXXX XX/XX/XXXX Account Balance {$3.00} Last Reported XXXX XX/XX/XXXX Amount Past Due {$0.00} Limit {$900.00} Remarks - Creditor Comments- Your Statement - Responsibility Individual Past Due - 30 DAYS XXXX Past Due - 60 DAYS XXXX Past Due - 90+ DAYS XXXX The table below represents 24 months of account repayment history PAST 24 MONTHS 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-03-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Truth and Services that was not properly handled with no worries from them to handle now I will account for them. I will give the time needed for them to research thier own way and each of us will provide you separate results. I will tell them to do only extra step i learned from invented items that the my lawyer i paid to research if my identity, original documents to provide proof of any possible copy rite is mine to mail certified mail, dated and told not to open the original for theft. So for privacy and original statements of each party to seal and protect it from loss or changing any thing. The copies delivered to the person to receive with a written names of who you share it with. But remember if anyone else is not on the privacy terms will result as a breach with the privacy terms I read before I stated. I will act on any type of knowledge or unintentionally others who know about each responsible for breach. I will look for any reason with all others that will be in a court room. And even a decision or change even another copy was performed. I will act as my results will be granted even if my claim was not correct. Please provide To pro me a certified letter and mail with the person to sign the receipt. Also add the name and signature that will be on the certified mailed for me as proof that the person only can sign as received to. If any type of the letter is damaged. Then It's up to you to still comply with the terms we read at the last thing is signature from the privacy terms were each acceptable with out any different terms read the same acceptance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I sent a payment check to XXXX to pay my credit card off in full. The amount was larger than the balance at {$1500.00} and the balance was {$1500.00}. The check was recieved by XXXX via XXXX mail with tracking on XXXX XXXX. According to their own documentation on every statement, as long as the check is recieved before XXXX, it will be processed for the same day ( posted ) or the next business day if after XXXX. In this case then it should have been posted on the XXXX then. They did not post the check payment until XXXX XXXX. They have refused to listen to me even with proof and I will not pay interest on those XXXX days on any balance due to their lack of processing against their documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: IL

Complaint narrative:
My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

XXXX XXXX : XXXX - Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00}

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 2025-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CMG Financial Services, Inc.
State: NJ

Complaint narrative:
My original loan was with CMG, I made two payments one on XX/XX/XXXX ( XXXX payment ) and the other on XX/XX/XXXX ( XXXX payment ). When my account was transferred to XXXX, my account showed that I had a past due balance for XXXX, which I didnt understand why. I called XXXX with my concern and the XXXX stated that transfers usually take a minute and I should see the payment reflected on my account by XX/XX/XXXX. I waited until then and rechecked my account and the payment still hasnt been applied. The payment XXXX received, is the payments I made directly. First payment made on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ). But my account is still showing I owe a XXXX payment. I have been calling both CMG and XXXX since the XXXX of XXXX and nothing has been done. I have been getting the run around, XXXX company telling me to call the other company and vice versa. I have also been charged a late, for what I dont know. I have not been late on my payments at all. This has been the worst experience dealing with these XXXX companies. CMG is the hardest company to reach by phone, the most answers I have gotten has been thru email. When I call XXXX, I actually get transferred to XXXX, then Im back where I stared, absolutely nowhere. Nothing has been resolved and now my loan has been transferred a third time. So what do I do now?????

Company response to consumer: Closed with explanation