vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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 was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. This resulted in significant inconvenience and financial loss. I seek app redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
On XX/XX/XXXX, I noticed a drop in my credit score due to increased utilization, as indicated by an Experian alert. Upon reviewing my credit report, I found that a XXXXXXXX XXXX XXXX was added to my account on XX/XX/XXXX, with an open date listed as XX/XX/XXXX. However, I never opened or applied for this credit card, and I have only had one personal XXXX XXXX  XXXX, which this does not match. 

XXXX customer service identified the card as a XXXX XXXX XXXX but I did not authorize or apply for this account. Additionally, I was redirected to someone suggesting the account might be connected to XXXX XXXX  and a debt from XXXX. I do not recall having a XXXX XXXX  credit card, and it seems impossible to now appear as an account opened in XXXX. The representative informed me that this is most likely a system glitch due to the acquisition of XXXX XXXX. This is unacceptable. This should not be on my credit report. 

Summary of account details : Updated : XX/XX/XXXX Credit usage : 31 % Balance : {$4100.00} Account type : Credit Card Account number : XXXX Reported open date : XX/XX/XXXX I am disputing this account as it does not belong to me and appears to be incorrect. Please investigate and remove it 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 2025-03-08 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: F.H. Cann & Associates, Inc.
State: GA

Complaint narrative:
I am filing this complaint against FH Cann & Associates for unethical credit reporting and potential violations of federal consumer protection laws. They have placed a collection account on my XXXX credit report for a debt that was previously removed after being deemed inaccurate and unverifiable. Their actions raise serious concerns regarding unfair debt collection practices, re-aging of debt, and violations of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). A prior company previously reported this alleged debt but later removed it from my credit report, suggesting it was inaccurate. FH Cann & Associates has now repurchased or acquired this same debt and placed it back on my credit report without validation or proper notification. FH Cann & Associates never sent me any formal communication about this debt before reporting it to XXXX. Under 15 U.S.C. 1692g of the FDCPA, they are legally required to provide a written validation notice within five days of first contact, which I never received. I have never had a direct business relationship with FH Cann & Associates, nor do I recognize this debt. Since they have failed to provide any documentation proving their right to collect this debt, this may be an instance of fraud or identity misrepresentation. The FCRA ( 15 U.S.C. 1681c ) prohibits debt collectors from reporting inaccurate or outdated debts. Since this is a re-aged debt, it is a clear violation of my consumer rights. Their inaccurate reporting is harming my credit score and financial standing unfairly. This is a clear case of unfair, deceptive, and potentially illegal debt collection and credit reporting practices. I appreciate your prompt attention to this matter and look forward to your resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX a XXXX  single mom from XXXXXXXX XXXX XXXX XXXX XXXXXXXX Ny XXXX wiriting this complaint under distress and suffering from a low credit score due to unauthorized inquires in my consumer report. I recently pulled my credit report and noticed several negative accounts that DO NOT belong to me. This is making my credit score poor. I have reached out to all 3 credit agencies. Transunion, Experian, Equifax and they refuse to help me to investigate and remove. This is draining and i am doing my best. I need HELP. I will be listing the accounts and all attachments needed. Please help 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 2025-03-08 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: TX

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts have been opened in my name without my knowledge or authorization. These accounts have been reported to Equifax, negatively impacting my credit profile. 

The fraudulent accounts include : XXXX ( Credit Account ) Opened on XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  ( Auto Loan Account ) Opened on XX/XX/XXXX, Balance : {$36000.00} XXXX XXXX ( Credit Card Account ) Opened on XX/XX/XXXX, Balance : {$730.00} XXXX ( Credit Account ) Opened on XX/XX/XXXX, Balance : {$1500.00} I did not authorize these accounts, and they are the result of identity theft. I have already taken the necessary steps to dispute these fraudulent accounts, including : Filing an FTC Identity Theft Report Notifying Equifax in writing Submitting a dispute with supporting documents ( including my government-issued ID, proof of address, and identity theft affidavit ) Despite my formal disputes, Equifax has failed to remove these fraudulent accounts from my credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX a XXXX  single mom from XXXXXXXX XXXX XXXX XXXX XXXXXXXX Ny XXXX wiriting this complaint under distress and suffering from a low credit score due to unauthorized inquires in my consumer report. I recently pulled my credit report and noticed several negative accounts that DO NOT belong to me. This is making my credit score poor. I have reached out to all 3 credit agencies. Transunion, Experian, Equifax and they refuse to help me to investigate and remove. This is draining and i am doing my best. I need HELP. I will be listing the accounts and all attachments needed. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: U.S. BANCORP
State: WI

Complaint narrative:
Loan Account number XXXX On XX/XX/XXXX a US Bank Home Mortgage representative fraudulently applied for a Home mortgage loan on my behalf. For the past XXXX months, I have been calling US Bank home mortgage, attempting to get someone to assist me to fix this egregious act of Violence. 

On XX/XX/XXXX I called US Bank customer service to inquire on my home mortgage payoff loan amount. The representative informed that my payoff balance was just over XXXX. 

On XX/XX/XXXX, The titling company informed me that my home loan total payoff amount was {$67000.00}. 

On XX/XX/XXXX, I called US Bank to inquire about the extra charges on my mortgage. The representative told me she did know why the charges were add it to the mortgage. She transferred me to a bank manager, After approximately XXXX hours of speaking with customer service and bank managers I was then told, at some point I must had signed for a second mortgage loan or some type of other loan and had it added to my mortgage account .I was adamant that I had never signed for a second loan. I was then transferred to third XXXX On XX/XX/XXXX While speaking with the Third manager He insisted that I must have signed for some type of loan and had it added to my mortgage. After approximately more XXXX hours on the phone with him, he then told me that I was XXXX to XXXX months behind in my mortgage and my home had went into foreclosure in XXXX and a US Bank bank representative signed for a mortgage forbearance loan on my behalf. 

I declared my home had never gone into foreclosure, and a representative was not entitled to sign for a loan on my behalf I was not made of where of a loan that was being signed on my behalf. The bank manager stated to me when an home go into foreclosure, the bank is not required to inform homeowner and the bank is not required to inform the homeowner of any loan that is being signed on their behalf. 

Email received XX/XX/XXXX from US Bank Home Mortgage reflects loan agreement dated XX/XX/XXXX and signed by XXXX XXXX Mortgage Document officer signed on XX/XX/XXXX. 

Titling Company agreed When running my title, they did not see evidence That reflected foreclosure procedures had ever been filed my property in questioning. 

I called US Bank I found several complaints with US Bank in hopes to rectify this situation to get a clear understanding each time I was told someone would call me that has never happened. It has now been over nearly a year and I have not heard from US Bank. US Bank is uploading documents to my US home bank online portal in which I do not have access to because the account has been paid off. I would receive a refund for the amount that I have Please, I need someone to help me to fix US Bank home mortgage fraudulent act violence committed against 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 2025-03-08 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: CA

Complaint narrative:
I hope youre doing well. Im reaching out because Ive found an account on my credit report that doesnt belong to meit appears to be someone elses information thats been mixed up with mine. This is causing confusion and, frankly, its affecting my credit.

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 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This is the second time I have went to the bank in XXXX XXXX, NJ XXXX the Bank of America branch had the same teller I have withdrawn money from my Checking account to have latter checked online to find out that it was posted as a " check being cashed '' when there was no check involved. It was just a withdrawal from my checking. This is a deceitfulness. 

And this XXXX XXXX XXXXXXXX complaint when filed ask you to put in your routing number on the online complaint form and then on the second page it tells you not to put in any " sensitive '' information. Well you can't go back and therefor have already disclosed this sensitive information. This is fraudulent.

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 2025-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EdFinancial Services
State: GA

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit! Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
My account has had many transactions from this one vendor that i do not do business with at all over XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: TN

Complaint narrative:
I am not XXXX XXXX. I am XXXX XXXX. see case number XXXX attached. Stop with the delay tactics as I have been trying to get my credit report. Stop mixing me up with other people and get my information off of the emails directly if you can't read it as they are clear and in XXXX. I will file a complaint with Congressman XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and let them know your bad faith practices in XXXX  and XXXX Get new printers if you have trouble with your printers. Contact XXXX XXXXXXXX XXXX XXXX  if you have trouble reading it and ask the CFPB for a copy of the certified mail that was verified by XXXX yesterday to help me post a comment on another complaint! your offices have cost me more in insurance due to your mix ups and this needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to indequate 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 process 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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EdFinancial Services
State: DC

Complaint narrative:
This is the initial letter sent to creditor ; This letter is a formal dispute under the **Fair Credit Reporting Act ( FCRA ) 1681i**, which requires credit reporting agencies and furnishers ( like Edfinancial ) to ensure that all information they report is **fair, accurate, and verifiable**.

# # # **Key Points of the Letter : ** 1. **Factual Dispute of Debt Information : ** - The sender ( XXXX XXXX XXXX is challenging the accuracy of the reported debt, including **payment history, balance, and account status**. 
- The letter requests proof that the information reported is **correct and consistent** with creditor records. 

2. **FCRA 1681i Protections : ** - Under this law, a consumer has the right to dispute **inaccurate, incomplete, or unverifiable** information on their credit report.

- The credit bureau or data furnisher ( Edfinancial ) must **investigate** the claim and respond within **30 days**.

3. **Verification Demands : ** - The letter requests **documentation proving the accuracy** of the debt.

- If Edfinancial can not verify the information, they must **correct or remove it** from the credit report.

- The sender also demands details on the **method of verification**, which holds the company accountable.

4. **Potential Legal Consequences : ** - If the company fails to provide verification or ignores the request, they could be in violation of the **FCRA**, which could lead to legal action.

# # # **Why This Letter is Important : ** It forces Edfinancial to **prove** that the reported information is accurate and fair. If they ** can not verify the debt properly**, the consumer has the right to have it **corrected or removed**, improving their credit report. 

Would you like help refining this letter further or understanding what steps to take next?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Credit and Collections Inc.
State: MO

Complaint narrative:
I moved out of XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and paid a buyout fee of {$2500.00} as agreed. However, the collection agency is attempting to collect additional charges, including rent for XX/XX/XXXX, which I do not owe. They also added extra fees, including cleaning and carpet repair costs, even though the carpet was fine and was not replaced due to me. I specifically requested receipts and documentation for these charges, but they never provided them. I disputed the debt with them and requested validation, but they still reported it to the credit bureaus without proper proof. I also sent a cease and desist letter on XX/XX/XXXX, yet they continue to pursue collection. I am requesting that this incorrect debt be removed from my credit report and that the collection agency stops their collection efforts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Thrift Investment Corp.
State: CT

Complaint narrative:
This is my second time complaining about this company. They originally wanted to repossess the car and I told them where it was. Then, bc the creditor didnt like my attitude, he started threatening to sue and garnish my wages. I made it clear I could not pay the amount for the car loan at the original price bc I now have to pay for another loan because I obviously need a car to drive. I have tried to negotiate a lower loan amount with no success. I refuse to speak with this company because they are abusive and threatening and it makes me very uncomfortable. Today, I received 29 text messages in 10 minutes from a person who did not name themselves or the company theyre with, just the number ( XXXX ) XXXX. Not even a company email. This number has been texting me since Wednesday. Yesterday I asked the number to please stop contact. The company has been sending me letters multiple times a week demanding the payment Ive repeatedly I am financially unable to afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: OR

Complaint narrative:
I have provided substantial evidence supporting my dispute. I was denied 3 times. 
This does not make sense whatsoever. How can cashapp, XXXX, XXXX be aware that there is a scam center, under the identity of " XXXX XXXX XXXX linked to the seattle office if you a simple engine search. Meaning that if someone seeking legit customer service, looks up the XXXX office, they will be linked to a scam center. In what world does a bank deny a dispute, where the consumer has provided a plethora of evidence. I actually even asked to give more evidence to support my case, but cashapp would not allow me to send in that info. Refused to even look at it. They told me the dispute team would reach out to me if they needed any more info. I was not contacted at all by them, then my dispute again was denied with 2 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
I recently reviewed my XXXX credit report XXXX and identified multiple inaccuracies and incomplete information. As per the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in the information they provide. The following accounts listed in my credit report have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : The accounts, names, address, Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure maximum accuracy of reported information. However, the details of this account contain multiple discrepancies and errors, violating federal reporting guidelines.

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 2025-03-08 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: IL

Complaint narrative:
Is accordance with the Fair Credit Reporting act. The list of inquiries on my credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U. S. C1681section 602A. I have rights to privacy.

Company response to consumer: Closed with explanation