vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
I had my XXXX  system replaced XX/XX/XXXX and applied for a 0 % interest loan through service finance company LLC for {$7700.00} from my contractor company XXXX XXXX XXXX XXXX XXXX. The loan request XXXX was put into review on XX/XX/XXXX. In XX/XX/XXXX I tried to create an account with service finance with my loan application number to make payments however I was unable to set up an account because the loan was not created yet. I contacted my XXXX  contractor XXXX XXXXXXXX XXXX XXXX XXXX and was informed they had not yet submitted the loan request paperwork to service finance company. On XX/XX/XXXX service finance informed me by email that my loan was accepted. I then created an online account with my account number and logged in to see my balance and loan terms. At this time I was informed that service finance will send monthly billing statements with payment coupons every month to pay my loan. I have yet to receive any payment coupons as of XX/XX/XXXX and I am unable to sign in to my account stating invalid username or password. I am unable to reset my account password as I do not receive any password reset emails. I am unable to make any payments to service finance at this time and per loan terms if an account holder is late by one payment than all interest is due for the life of the loan. Service finance is a predatory lender and restricting account holders from making payments in order to ensure that interest is forced to be paid with interest free loans. Service finance will not respond to any emails or phone calls to resolve the issue. I want to make my monthly payments to Service Finance however this is not possible due to their restrictions. 

Additionally it appears that this predatory lending is common practice for Service Finance Company LLC for at least XXXX years : XXXX XXXX XXXX XXXXXXXX Although I have not been able to make any payments it appears that from other account holders that even when payments are made on time, that service finance company withholds processing these payments until after they are due to again, collect on their interest for the loans for the life of the loan.

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 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CUSTOMERS BANCORP, INC

Complaint narrative:
Subject : Urgent Investigation Request Customers Banks Unjustified Withholding of Funds and Deceptive Practices To whom it may concern, On XX/XX/year>, I initiated US {$50000.00} USD international transfer from my XXXX XXXX XXXX to XXXX XXXX XXXX, a crypto company whose clearing bank is Customers Bank, with the bank account number XXXX. However, the recipient never received the funds. 
A few days later, I formally requested a recall through my paying bank, XXXX XXXX XXXX. XXXX made multiple attempts to contact the beneficiary bank, Customers Bank, to retrieve the funds, but Customers Bank repeatedly rejected their recall request. 
In response to this egregious situation, I filed a formal complaint with the XXXX XXXX XXXX XXXX ( XXXX ). Under the XXXX supervision, XXXX XXXX XXXX conducted a thorough investigation, and their findings are as follows : XXXX. The funds remain in Customers Bankthey have not been transferred to the recipient. 
2. Customers Bank falsely claims that they can not process the recall unless they receive debit authority from the recipient.

Meanwhile, the recipient, Lead Accelerating Limited, has been actively engaging with Customers Bank, urging them to locate the funds and return them as soon as possible. In a completely contradictory statement, Customers Bank continues to deny receiving the funds altogether. 
This situation is utterly absurd and unacceptable. The contradictory statements from Customers Bankboth in their communication with XXXX and their responses to the recipientclearly indicate deceptive and fraudulent practices. 
I demand an immediate and thorough investigation into Customers Banks misconduct, including their unlawful withholding of client funds, deceptive communication, and potential financial fraud. I also demand that Customers Bank immediately return the funds and compensate me with double the withheld amount for the severe financial and emotional damages caused by their misconduct. 
Failure to rectify this issue immediately will leave me no choice but to escalate this matter further to federal regulatory authorities and pursue legal action.

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 2025-02-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing a complaint againstCash 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 to their platform. Leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution was unfair and deceptive as they did not comply error resolution 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 the violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to demand the immediate removal of unauthorized inquiries from my. 
Upon reviewing my credit report, I noticed several inquiries that I did not authorize or that are not in compliance with the Fair Credit Reporting Act. These inquiries are negatively impacting my credit score and, consequently, my financial opportunities.

I expect you to take this matter seriously and remove these inquiries without delay. I am aware of my rights under the Fair Credit Reporting Act and will not hesitate to escalate this issue if necessary. 
Please confirm the removal of these inquiries in writing within 30 days of receiving this letter. 
Failure to address this issue will leave me with no choice but to pursue further action. 
Thank you for your immediate attention to 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 2025-02-16 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: NJ

Complaint narrative:
I am in the process of buying a home ( close XX/XX/XXXX ) and out of nowhere with XXXX warning, my student loans all reported DELINQUENT on my credit report dropping my score from over XXXX to XXXX instantly. I have been in an economic hardship forebearance since XXXX and received XXXX notice that this program was ending and payments were due. My loans are serviced through XXXX ; they have not sent me an e-mail since XXXX, I have received no mail or telephone calls and they have been reporting my loans current every month up until this occured Friday XX/XX/XXXX. Now, not only will I lose the home I've already placed a deposit on, no one will rent to me with a credit XXXX of XXXX and I am facing homelessness with my XXXX children next month. I have tried to resolve the matter with XXXX however for some odd reason their website is not allowing me to access/create and account and I can't reach anyone by phone.

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 2025-02-16 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: NJ

Complaint narrative:
I am in the process of buying a home ( close XX/XX/XXXX ) and out of nowhere with XXXX warning, my student loans all reported DELINQUENT on my credit report dropping my score from over XXXX to XXXX instantly. I have been in an economic hardship forebearance since XXXX and received XXXX notice that this program was ending and payments were due. My loans are serviced through XXXX ; they have not sent me an e-mail since XXXX, I have received no mail or telephone calls and they have been reporting my loans current every month up until this occured Friday XX/XX/XXXX. Now, not only will I lose the home I've already placed a deposit on, no one will rent to me with a credit score of XXXX and I am facing homelessness with my XXXX children next month. I have tried to resolve the matter with XXXX however for some odd reason their website is not allowing me to access/create and account and I can't reach anyone by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: NJ

Complaint narrative:
I am in the process of buying a home ( close XX/XX/XXXX ) and out of nowhere with XXXX warning, my student loans all reported DELINQUENT on my credit report dropping my score from over XXXX to XXXX instantly. I have been in an economic hardship forebearance since XXXX and received XXXX notice that this program was ending and payments were due. My loans are serviced through XXXX ; they have not sent me an e-mail since XXXX, I have received no mail or telephone calls and they have been reporting my loans current every month up until this occured Friday XX/XX/XXXX. Now, not only will I lose the home I've already placed a deposit on, no one will rent to me with a XXXX XXXX of XXXX and I am facing homelessness with my XXXX children next month. I have tried to resolve the matter with XXXX however for some odd reason their website is not allowing me to access/create and account and I can't reach anyone by phone.

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 2025-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and during that time my account was hacked and all my money was used on my account i contacted chime to submit a dispute on XX/XX/year> once i did i received a email the same hour saying my claim was denied and i called them back and submitted a rebuttal and now in waiting to hear back from them, i don't believe they properly investigated I've rebuttaled multiple times but they are not properly investigating the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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 : XXXX XXXX XXXXXXXX XXXX {$96.00} XX/XX/year> 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 2025-02-16 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: 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 : XXXX XXXX XXXXXXXX XXXX {$96.00} XX/XX/year> 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 2025-02-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Block, Inc.
State: OH

Complaint narrative:
Cash app sent my wife and cash app card. Problem is we never have used their app, signed up for it, or requested this card. 

Called and they claim they can't do anything about it. Looking online, this seems like a common problem with this company. Many people reporting they have received these cards without requesting or signing up for their service. 

Why is this company allowed to continue to open false accounts for customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: TX

Complaint narrative:
XX/XX/year> I emailed all contact departments for Transunion on XX/XX/year> stating I have filed formal complaint against Transunion for violating consumer reporting laws and failing to comply with the Fair Credit Reporting Act ( FCRA ). Despite my previous reports via email to XXXX  Chief Compliance Officer, Support Services, and Privacy Department, no corrective action has been taken. 
TransUnion has engaged in unauthorized investigation reporting, falsely attributing statements to me claiming that I reported certain credit applications as fraudulent or disputed them. As a result of Transunions erroneous reporting, 12 of my credit card accountson which I have an excellent payment historyhave been fraudulently closed. These closed accounts now appear on my credit report, severely damaging my credit profile. This will hinder my ability to apply for a VA loan to purchase a home, directly impacting on my financial stability and future. 
I demand that all 12 of my credit card accounts be reinstated immediately and that all inaccurate comments be removed from my credit report. Additionally, I want to emphasize that I never disputed any of my accounts directly. My disputes were solely against the inaccurate and missing information reported by credit reporting agencies. 
I am also formally notifying you that I have filed complaints with the FTC, CFPB, and the Texas Attorney Generals Consumer Protection Division regarding Transunions misconduct. Due to the significant financial burden and mental anguish this has caused, I am considering filing a civil lawsuit against XXXX for damages. 
Transunions negligence has led to unjust financial hardship and potential long-term consequences. I request an immediate investigation into this matter and expect enforcement actions to ensure compliance with federal and state consumer protection laws. Please confirm receipt of this complaint and provide guidance on any further steps I should take. 
I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, 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 2025-02-16 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: CO

Complaint narrative:
TransUnion continues to publish inaccurate information about my credit. Showing late payments when there is XXXX balance, showing open collections already paid off, and car my car still being listed as late even though its been paid for months. Ive filed disputes and tried contacting them. Ive done my part paid debt but they continue to provide inaccurate information out of date XXXX days old. I want my file corrected or need to follow with legal actions because they should not be allowed to do business while promoting inaccuracy they need to fix it or stop reporting peoples 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 2025-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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