vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit Bureau will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate, account name : XXXX XXXXXXXX account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Complaint Narrative : I am filing a complaint regarding Citibanks mishandling of a dispute I filed concerning a {$500.00} charge from XXXX, dated XX/XX/XXXX. I submitted this dispute well within the allowed timeframe, and Citi initially accepted the case and assigned dispute number XXXX. 

Despite my timely submission and full cooperation, Citi has now denied the dispute based on the claim that too much time has passed even though the delay was due to their own extended investigation process. They previously requested additional documentation, which I provided both electronically and via USPS. 
I also sent a follow-up email on XX/XX/XXXX, to ensure receipt of all documents, and received letters from Citi dated XX/XX/XXXX and XX/XX/XXXX, asking for more information indicating the case was still active. 

Furthermore, Citi issued conflicting messages : one notice said the case was closed due to the age of the charge, while another said the case was still under investigation and requested more information. 

I acted in good faith, provided all requested materials, and received no resolution. The failure to properly handle the dispute, paired with mixed communications and an arbitrary denial based on timing, is unacceptable. 

In addition, the merchant ( XXXX ) and the airline ( XXXX ) each deflected responsibility. XXXX told me that any refund for unused taxes would need to be requested through XXXX XXXX however, refused to facilitate the cancellation or tax refund, despite the ticket being unused and my efforts to resolve this before the travel date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 2025-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: GA

Complaint narrative:
Account took place on XX/XX/year>. I believe there may be some inaccuracy with these collection placed on this credit profile. I believe goes against FDCPA 15 USC 1692C and 1692E. I also need proof of ownership. I would like the debt removed, canceled, or settled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: MO

Complaint narrative:
b"I'd recently reviewed my consumer report and noticed some unidentifiable items located on my consumer report. In addition, I did not give any of these creditors consent to furnish such information onto my report. This is a clear violation of FCRA Section 1681b(c) which constitutes as fraud & breach of my non-public personal information under Gramm-Leach Bliley. Consumer Reporting Agencies must comply by Federal law under Regulations V. Section 605b Block information resulting of identity theft. Attached is FTC reporting including identifiable information. \n\nFraudulent Accounts; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nAddresses I do not recognize; XXXX XXXX XXXX, MO XXXX"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 to these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance {$2800.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX {$770.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$520.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$62.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$890.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$870.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$800.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$480.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX  Date XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IN

Complaint narrative:
I am filing this complaint against XXXX due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over 20 late payment entries from the Department of EducationXXXX XXXX which has caused my credit score to drop by over XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent. 

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions. 

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. 

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX may have incorrectly or fraudulently reported late payments that I did not actually incur. 

3. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IN

Complaint narrative:
I am filing this complaint against XXXX due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over 20 late payment entries from the Department of EducationXXXX XXXX which has caused my credit score to drop by over XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent. 

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions. 

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. 

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX may have incorrectly or fraudulently reported late payments that I did not actually incur. 

3. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: IN

Complaint narrative:
I am filing this complaint against XXXX due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over 20 late payment entries from the Department of EducationXXXX XXXX which has caused my credit score to drop by over XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent. 

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions. 

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. 

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX may have incorrectly or fraudulently reported late payments that I did not actually incur. 

3. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: AZ

Complaint narrative:
COLUMBIA DEBT RECOVERY failed to verify a collection account that they placed on my Experian, Transunion and Equifax credit report. They failed to show proof that this account is mine, and to produce a sales agreement. I reached out to COLUMBIA DEBT RECOVERY on XX/XX/XXXX to VALIDATE this information and to provide me a sales agreement which they did not respond to. I will attach this letter below with the certified mail receipt. On XX/XX/XXXX I submitted another dispute with Experian Report # XXXX, which on XX/XX/XXXX they returned it as " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' They proceeded then to send me a Lease Agreement which does not constitute definitive proof that I owe them, or that this debt is even mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am filing a complaint against Cash App XXXX Block XXXX Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX 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 2025-04-21 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:
This account is currently involved in pending litigation, and the matter hasnt been resolved yet. Given the circumstances, its not appropriate for this to be reflected on my credit report at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: MS

Complaint narrative:
This company is contacting me at work. I have emailed them and told them not to contact me at work and they continue to call my work number. I have emailed and told them to keep the communications through email or mail. Not to contact me especially at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am writing to formally report several instances of excessive interest charges applied to my auto loan account with Westlake Financial. While I acknowledge that I was late with several payments in the early stages of my loan, I am concerned about the ongoing and seemingly unjust interest charges, particularly in the past few months. I have attached my payment history for your reference, including specific due dates and payment dates. 

Here are the key points of concern : XX/XX/XXXX On the due date of XX/XX/XXXX, I was charged {$450.00} in interest, despite making a late payment on XX/XX/XXXX. The payment of {$520.00} was made 16 days after the due date, resulting in an interest charge of {$28.00} per day. This rate seems excessive, especially given the total interest charged for my loan over time. 

XX/XX/XXXX I made XXXX  consecutive payments of {$520.00}, XXXX on XX/XX/XXXX and another on XX/XX/XXXX. However, I was charged {$73.00} in interest, which I believe to be disproportionate to the payments made. 

XX/XX/XXXX Due to my early payment of the XXXX bill in XXXX, the app reflected a {$0.00} balance for XXXX. However, when I made my payment for XXXX on the due date ( XX/XX/XXXX ), I was shocked to find that I was charged an exorbitant {$430.00} in interest. 

After calling Westlake Financial to inquire about this charge, I was told that the reason for the interest was because I allegedly did not pay my XXXX bill. However, I clearly made the XXXX payment in XXXX as part of my double payment. Furthermore, the representative stated that Westlake charges {$8.00} per day in interest, which does not align with the figures Ive been seeing. Over the course of the loan, I have already paid {$7700.00} in interest, and the amount being charged now seems both unreasonable and unjustified. 

I am requesting a thorough review of my account, including the interest charges and payment history, to ensure that I am not being overcharged. I would also appreciate a clear explanation of how interest is being calculated, particularly regarding the daily interest rate of {$8.00} and the large charges applied despite timely payments in XXXX and XXXX. 

If this issue is not resolved satisfactorily, I XXXX have to take further action, including filing a formal complaint with the Consumer Financial Protection Bureau or seeking legal counsel. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am an XXXX military member who was defrauded by a seller through Cash App during my XXXX XXXX. I found a product on XXXX XXXX, and the seller insisted on using Cash App for payment. After I sent the initial payment, the seller continued requesting additional payments for various false reasons, each time assuring me the product would be delivered. 

I have clear proof of the scam, including screenshots of all conversations, dates, and Cash App payment receipts showing the funds sent. I contacted Cash App Support through their apps virtual assistant, but I was never able to reach a real person or resolve the issue. A few days later, my Cash App account was shut down without explanation, blocking me from further communication and dispute resolution. 

This has caused me significant financial hardship, especially during my military XXXX XXXX. I am requesting CFPB assistance in helping me recover the funds I lost to this fraud and in getting Cash App to properly address my case. I have all evidence ready and can provide it upon request.

Company response to consumer: Closed with explanation