vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: MO

Complaint narrative:
I have a total of XXXX purchases that were done on XXXX. 
XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX totaling XXXX this has caused my account to go negative due to a cash app error. Im not able to use my available funds. I made purchase on XXXX only for them to be duplicated between XXXX on XX/XX/year>. I was not up during that time of the morning making purchases. I contacted Cash app and customer service told me if would have to fall off seeing if its pending. If it completes, I would then have to dispute the charge. This is a known issue with Cash app who is refusing to open an investigation on their end. Ive reached out to each client and was told they only show my charge I did on XXXX. they never ran my card for a duplicate transaction. The fact I have to wait until XXXX days and cash app refused to investigate. They automatically assume it will fall off and I have to wait. This is unacceptable seeing this was my gas money and daycare fee for this week. I did dispute the completed transactions seeing the duplicate is pending. I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: AZ

Complaint narrative:
On XX/XX/year>, bought used car. Financed through XXXX XXXX XXXX. Took possession of car & realized electric car battery did not work as promised & relied on. Voluntarily returned the car to dealership on XX/XX/year> pursuant to contract & XXXX XXXX XXXX XXXX XXXX  Formally informed XXXX XXXX XXXX of my actions on XX/XX/year> & my intent would be to honor financial agreement I made with them while I pursued legal actions against dealership. XXXX payment was not until XX/XX/year>. ( Have supporting documents ). On XX/XX/year>, informed that XXXX XXXX obtained possession dealership & sold it. On XX/XX/year>, spoke to credit union made arrangements to make payments on balance now that car was sold & original loan no longer in place. On XX/XX/year> received a credit alert credit score dropped approximately XXXX points due a repossession and/or charge off even though car was returned to dealership pursuant to the contract & state law. Filed a dispute with Experian on XX/XX/year>. On XX/XX/year> informed by Experian dispute was denied.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: United Shore Financial Services, LLC
State: VA

Complaint narrative:
In XX/XX/year> I was acquiring funding for a project I was working on. I received multiple options and selected XXXX financial companies. One of the Loan company got in my bank account and disputed XXXX and XXXX months of mortgage payments that was already paid through auto payment. I contacted my bank right alway and informed them of what had happen and they iimmediately started their investigation and shut my account down. Doing that time, XXXX months of payment was returned to my bank account which cause a no payment for XXXX months. After the completion of the investigation my account was cleared and I returned all monies. My mortgage company was aware of the situation. I sent them the finding and a letter explaining everything that happen but they say there is nothing they can do. Every time I speak with them they say the goverment report it to the Bureau. Now it is on my credit report and I am trying to get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My address is XXXX XXXX XXXX, XXXX GEORGIA XXXX. All other addresses that appear on my consumer report are false and must be removed. XXXX, XXXX, Experian, XXXX etc have all engaged in falsely reporting an address that is not associated with me

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 2025-05-12 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: AZ

Complaint narrative:
I would like you to remove the accounts that I have reported please because I am a victim of identity theft and I uploaded here all my identity theft documents. There is a lot of fraudulent information on my credit profile that I would like you to remove for me please. Thanks you

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 2025-05-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in XXXX to dispute these items. However, it has been more than XXXX  days, and I have not received a response from the credit bureau. This delay is a violation of XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), which requires a response within XXXX days. 

Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within XXXX  days of receiving the notice of dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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 2025-05-12 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 am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MIDFIRST BANK
State: TX

Complaint narrative:
XXXXXXXX XXXX  refused the following request 1. Remove insurance from escrow 2. Refuse to release escrow overage 3. Refuse to provide a copy of the inspection reports that I was charged for and I was not late those months to include a return fee in 2021. I requested a copy of the returned item.

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 2025-05-12 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: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) XXXXXXXX XXXX XXXX open balance of XXXX XXXX XXXX  open XXXXXXXX XXXX XXXX open XXXX balance of XXXXXXXX XXXX XXXX open XXXX balance of XXXX XXXX XXXXXXXX open XXXX a balance of XXXX XXXX XXXX balance of XXXX open XXXX XXXX XXXX XXXX balance of XXXX open XXXX XXXXXXXX XXXX balance XXXX open XXXXPlease remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) XXXXXXXX XXXX XXXX open balance of XXXX XXXX XXXX  open XXXXXXXX XXXX XXXX open XXXX balance of XXXXXXXX XXXX XXXX open XXXX balance of XXXX XXXX XXXXXXXX open XXXX a balance of XXXX XXXX XXXX balance of XXXX open XXXX XXXX XXXX XXXX balance of XXXX open XXXX XXXXXXXX XXXX balance XXXX open XXXXPlease remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter

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 2025-05-12 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: MI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I am disputing a XXXX account ( account # XXXX ) showing 90 days late with a balance of {$170.00}. The account was recently closed and no supporting documentation has been provided to justify the delinquencies. The small balance and lack of updates make the late payment reporting questionable. I request that the account be removed due to failure to verify and inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, I called USAA and informed them I was being scammed. Please don't give these people my money. And they gave them {$2000.00} after I called and told them that it was a scammed I explain to them that when I called that my other bank XXXX XXXX called me and said that a scammer was trying to get XXXX dollar fro my account they then said call all your banks and let them know that you are being scammed. I did just that, and USAA still gave them the funds. Then last month I got another call about someone trying to buy phones using USAA. I looked at my account, and {$400.00} was pending, and they still say it is under investigation. Even after I called USAA to say that I was being scammed, they said XXXX had sent them a paper that said I had confirmed this order, but I did not. Now I am still out of {$2400.00}. I don't have that money to give away because I don't work. This bank is costing me money by allowing scammers to take money out of my account, so I have been scammed twice, and my bank did nothing to protect me. Bills could not get paid, and I have fallen behind. And USAA refuses to give me my money back. After I called and told them I was scammed. And this is an FDIC bank, why are they not protecting me? And this is after I sent them a police 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 monetary relief
Consumer complaint received 2025-05-12 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Credit karma is reporting that I have an inquiry with XXXX XXXX XXXX XXXX and I reached out to them asking them to remove the incorrect information from my report and I was told that they get their information from XXXX I called XXXX  and XXXX told me that they are not reporting an inquiry on my report from XXXX XXXX and that Credit Karma is a third party company and that I should call them I call them and they are refusing to remove incorrect information from my 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 2025-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
The XXXX  website shows a large amoun that I owe, but when I go to Mohela, it states I have a XXXX balance. This means I am getting interest and showing negatively on my credit, but I cou ; d n't make a payment if I wanted to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express notified me that they were limiting my card to a monthly balance of {$1300.00}. I called the customer service line and the lady I spoke with was seemingly encouraging me to close my account. 

This comes XXXX weeks after I paid {$320.00} for my annual XXXX XXXX XXXX. 

I have had an American Express card since XXXX and only once did I mistakenly become late for payment and this was in XXXX. Since then I have always been on-time with payments and my monthly balance which is always paid on-time is around {$2300.00}. 

If American Express was concerned with my credit standing ( which the only negative remark I have had was related to student loans ) then why cap my limit to XXXX XXXX monthly? 

The off-putting experience of the customer service rep encouraging my to close my account was the most alarming. I feel as though I am being discriminated against or retaliation. Something isn't right. A true business wouldn't create such problems with a customer who stays in good standing with their account so I am asking for an investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
You are reporting this collection with a past due amount This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the abort deletion has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: VA

Complaint narrative:
I am experiencing on going issue with the XXXX  XXXX XXXX XXXX XXXX ( MOHELA ), I've observed unauthorized activity on my account, dealt with unreliable customer service and overbilled at times. Currently trying to get, my payments reduce since the cost of living has increased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation