vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received a phone call from XXXX, a person who said her name is XXXX, from Fifth Third. She asked me for my credit card number to pay my past due bill on a Fifth Third credit card. I asked for her number. She gave me XXXX. I looked that number up on XXXX, and it came up as a possible scam with numerous complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: LA

Complaint narrative:
I am disputing a {$370.00} charge from XXXX XXXX that has appeared on my credit report and/or billing account on XX/XX/XXXX. I do not recall authorizing this charge, and I was never properly notified by the company or any collection agency regarding the debt, as required by the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Back in XXXX of XXXX I asked them if they could cancel my membership because my contract was over, and instead they froze it and unfroze it and kept charging my account and Im now checking my credit seeing they sent it to collections debt. 

I have not received any written communication, invoice, or validation of the debt from XXXX XXXX. This charge is now impacting my credit report without proper investigation or documentation. 

I am requesting that this issue be investigated and resolved. I would like the charge removed from my credit report or validated with supporting documentation proving my liability for the amount. I also request that the creditor or collector stop reporting until this matter is resolved. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 2025-05-18 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: IA

Complaint narrative:
Recently, I received my credit report from your company. After reviewing it, I found that the information you are providing on some items contains not only invalid and incomplete information, but both inaccurate and incorrect information as well.

This information is damaging me since it is affecting the interest rates that I am able to get and limits my credit capacity.

I am distressed that you failed to maintain reasonable procedures to assure the maximum possible validity completeness, accurateness and correctness in the credit reports that you provide to creditors.

This letter is a formal complaint that you are reporting invalid and incomplete account information as well as both inaccurate and incorrect account information.

After consultation, I found that there are Federal Laws to ensure credit reporting bureaus such as yours may only report 100 % valid, complete, accurate and correct information on my credit report to potential creditors.

The following debts ( s ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, Senate Bill 5480.

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 2025-05-18 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: EQUIFAX, INC.
State: IA

Complaint narrative:
Recently, I received my credit report from your company. After reviewing it, I found that the information you are providing on some items contains not only invalid and incomplete information, but both inaccurate and incorrect information as well.

This information is damaging me since it is affecting the interest rates that I am able to get and limits my credit capacity.

I am distressed that you failed to maintain reasonable procedures to assure the maximum possible validity completeness, accurateness and correctness in the credit reports that you provide to creditors.

This letter is a formal complaint that you are reporting invalid and incomplete account information as well as both inaccurate and incorrect account information.

After consultation, I found that there are Federal Laws to ensure credit reporting bureaus such as yours may only report 100 % valid, complete, accurate and correct information on my credit report to potential creditors.

The following debts ( s ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, Senate Bill 5480.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: IA

Complaint narrative:
Recently, I received my credit report from your company. After reviewing it, I found that the information you are providing on some items contains not only invalid and incomplete information, but both inaccurate and incorrect information as well.

This information is damaging me since it is affecting the interest rates that I am able to get and limits my credit capacity.

I am distressed that you failed to maintain reasonable procedures to assure the maximum possible validity completeness, accurateness and correctness in the credit reports that you provide to creditors.

This letter is a formal complaint that you are reporting invalid and incomplete account information as well as both inaccurate and incorrect account information.

After consultation, I found that there are Federal Laws to ensure credit reporting bureaus such as yours may only report 100 % valid, complete, accurate and correct information on my credit report to potential creditors.

The following debts ( s ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, Senate Bill 5480.

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 2025-05-18 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 explanation
Consumer complaint received 2025-05-19 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 formally disputing the reporting of a bankruptcy on my consumer credit file. I never provided written consent for this bankruptcy to be included or shared, and I contacted the U.S. Bankruptcy Court, which confirmed that it does not furnish information to credit bureaus or third-party data vendors.

Under FCRA 611, I requested a reinvestigation and asked the reporting company to verify the source and method they used to include this information. They have not provided proper documentation. The continued reporting of this item without verifiable proof is inaccurate and harmful.

Im requesting that the item be removed from my report and that I receive written confirmation of the reinvestigation and any action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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 formally disputing the reporting of a bankruptcy on my consumer credit file. I never provided written consent for this bankruptcy to be included or shared, and I contacted the U.S. Bankruptcy Court, which confirmed that it does not furnish information to credit bureaus or third-party data vendors.

Under FCRA 611, I requested a reinvestigation and asked the reporting company to verify the source and method they used to include this information. They have not provided proper documentation. The continued reporting of this item without verifiable proof is inaccurate and harmful.

Im requesting that the item be removed from my report and that I receive written confirmation of the reinvestigation and any action taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mandarich Law Group, LLP
State: GA

Complaint narrative:
Since XX/XX/XXXX, I have formally requested from Mandarich Law Group , LLP and XXXX XXXX the original signed loan agreement, full account history, and documentation validating the debt reported on my credit reports. Despite multiple requests, I have received no response or the requested documentation.

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to verification of the debt when requested. The failure to provide this information is a violation of my rights. Additionally, the inconsistent loan amounts reported on my credit reports indicate inaccurate or incomplete information being reported, which violates the Fair Credit Reporting Act ( FCRA ).

I expect that if the original loan paperwork and full account details can not be provided, this debt must be removed from my credit reports immediately. The inaccurate reporting has negatively impacted my credit score and financial standing.

I also request a written confirmation acknowledging my dispute and outlining the corrective actions you will take. Failure to comply with these federal consumer protection laws not only affects my creditworthiness but also constitutes a violation of my consumer rights.

Would you like me to help you format this into a letter or an online complaint submission?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
Transworld systems illegally cash a money order that was not made out to them for XXXX XXXXXXXX XXXX XXXX XXXX. The money order was made out to perfect teeth, for payment on a invoice. But Transworld systems cash the money order illegally and did not pay perfect teeth with the money they took from the money order they illegally cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: DE

Complaint narrative:
My students record were disclosed without my consent violating FERPA s strict confidentiality protections Breach of the privacy act of 1974 According to FCRA section 605b it is illegal to report anything on my credit report without my permission Please remove this negative item Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
I had a new credit card that incurred multiple unknown charges from XXXX. I filed a dispute. The credit card company issued a new card, cancelled the old card with the fraudulent charges and credited my new card. However, and only by accident, I realized that they had turned the old card with the disputed charges over to a debt collector as a bad debt. All payments were current. In addition the debt collector demanded payment in the amount I had disputed while refusing to confirm the card number they were collecting for. 
In essence, they issued a new card to me with the fraudulent charges removed but rather than investigating my dispute and refunding the fraudulent charges they turned the old card over to a debt collector as a bad debt and did not advise me of any actions regarding my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: CITIBANK, N.A.
State: MN

Complaint narrative:
Two recent inquiries appeared on my XXXX  that I did am not familiar with and did not authorize- XXXX XXXX on XX/XX/2025. XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Citibank Na., Best Buy reported on XX/XX/2025. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD 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 2025-05-18 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX, a fraudulent account ( XXXX XXXX Visa Signature Card ) was opened in my name without my knowledge or consent. After multiple communications, Barclays Bank Delaware confirmed that the account was fraudulent on XX/XX/XXXX. They stated they would remove the fraudulent tradeline and any associated hard inquiries from my credit report. However, despite this confirmation, Barclays has failed to take timely action to correct my credit report. I have received letters from Barclays on XX/XX/XXXX, and XX/XX/XXXX, stating that they would request the removal of the fraudulent account, but they indicated that this process could take up to 60 days. This delay is unacceptable and is damaging my credit score. I am requesting the CFPBs assistance in ensuring that Barclays immediately removes the fraudulent tradeline and associated inquiries 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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies such as unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-18 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: AR

Complaint narrative:
I am writing to formally dispute certain charges and reporting activity under the FCBA

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 2025-05-18 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: AR

Complaint narrative:
I am writing to formally dispute certain charges and reporting activity under the FCBA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and provide Proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 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