vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
On * * XX/XX/XXXX * *, I made a * * lump-sum payment of \ {$2600.00} * * on my Affirm loan ( XXXX XXXXXXXX ) using their * * Pay Outstanding Balance * * option, with the intent to close the account in full. 

I had a * * perfect four-year credit history * * with no late payments prior to this, and had always paid my monthly installment of * * \ {$220.00} * * on time. 

Because I selected Pay Outstanding Balance and made such a large payment, I reasonably believed the loan was fully satisfied. I then traveled internationally in XX/XX/XXXX and did not access my Affirm account until XX/XX/XXXX. 

On * * XX/XX/XXXX * *, I logged in and discovered that a * * \ {$9.00} balance * * had remained. I paid it immediately. On * * XX/XX/XXXX * *, an additional adjustment fee of \ {$18.00} was applied, which I also paid in full. My account has since been at a \ {$0.00} balance. 

Despite the fact that : * I paid over * * 99 % of the loan * * in one lump sum before the due date, * The remaining \ {$9.00} was clearly the result of a misunderstanding in the platforms Outstanding Balance function, * I paid that balance immediately upon discovering it, and * I paid the later adjustment fee in full, Affirm still reported the account as * * 30+ days late * * for the XX/XX/XXXX due date. 

This single late mark has * * lowered my credit score by over XXXX points * * and will remain for 7 years a * * disproportionate penalty * * for a balance of less than \ {$10.00} that I did not knowingly leave unpaid. 

-- - * * Why I am filing this complaint : * * I contacted Affirm in writing and requested a * * goodwill adjustment * *, explaining my perfect payment history, the misunderstanding caused by their payment interface, and the disproportionality of the credit impact compared to the size and nature of the balance. 

Affirms response ignored these points entirely. Instead, they sent a repeated statement that they had an obligation to report accurate information. I have never disputed the accuracy of the dates or amounts reported. My request was based on * * good faith, context, and fairness * * which they failed to review or address. 

I believe Affirms investigation into my request was inadequate because it : * Did not address the documented facts and payment history I provided. 
* Ignored the role their own platforms Outstanding Balance function played in creating the misunderstanding. 
* Failed to consider the disproportionality of the penalty relative to the consumer harm and intent. 

I am requesting the CFPBs assistance in having this late mark * * removed or updated * * to reflect the true context : that the account was paid in full in good faith, with the remaining small balance resolved immediately upon discovery, and that this incident does not reflect my creditworthiness or willingness to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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 early XXXX, I experienced a job loss and was unable to make on-time payments for my XXXX account in XXXX and XXXX. I contacted XXXX directly in early XXXX, explained the situation, and spoke with a representative. XXXX acknowledged the hardship and subsequently reversed the late payment reporting. As of XX/XX/XXXX, XXXX removed these late payments from my credit file. However, Equifax, Experian, and TransUnion continue to report the late payments inaccurately. I am requesting that these bureaus update my credit reports to reflect the corrected status in accordance with 15 U.S.C. 1666b.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In early XXXX, I experienced a job loss and was unable to make on-time payments for my XXXX account in XXXX and XXXX. I contacted XXXX directly in early XXXX, explained the situation, and spoke with a representative. XXXX acknowledged the hardship and subsequently reversed the late payment reporting. As of XX/XX/XXXX, XXXX removed these late payments from my credit file. However, Equifax, Experian, and TransUnion continue to report the late payments inaccurately. I am requesting that these bureaus update my credit reports to reflect the corrected status in accordance with 15 U.S.C. 1666b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MO

Complaint narrative:
i just found out today theyve closed my cashapp account for no reason. i barely use it. for example i last used it in may this year. i dont do anything fraudulent or shady and from research online it seems like they close random peoples accounts without giving them what policy they supposedly violated. i think that since cashapp is so ubiquitous and popular, its hugely unfair to me to ban me from the platform when i literally havent done anything. ive used cashapp for several years. 

customer support is very lackluster. there is no email you can directly contact. its either their very incompetent AI chat bot in the app or a high-volume call center number. i am still waiting on my callback.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
I disputed an account reported by Regional Acceptance Corporation because the account contained inaccurate, outdated, and unverifiable information. Instead of properly investigating and verifying the account as required by the Fair Credit Reporting Act ( FCRA ), Regional Acceptance updated and re-reported the account with new and modified information, which was different from the original data, without any proper explanation or documentation of verification.

Additionally, the account was not marked as in dispute during the investigation, which is a direct violation of FCRA 623 ( a ) ( 3 ). This omission misleads creditors and lenders by making it appear as if the data is accurate and uncontested which it is not.

Regional Acceptances conduct potentially constitutes : Failure to conduct a proper investigation under FCRA 611 Failure to report the account as disputed under FCRA 623 ( a ) ( 3 ) Re-aging of the account or material misrepresentation of data Continuing to report incomplete and inaccurate information

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 2025-08-05 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: FL

Complaint narrative:
I am submitting a formal follow up complaint to request that you block and remove fraudulent items from my credit report, in accordance with Section XXXX05B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. The accounts listed below were opened or used as a result of identity theft and were not authorized by me.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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
I am submitting a formal follow up complaint to request that you block and remove fraudulent items from my credit report, in accordance with Section XXXX05B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. The accounts listed below were opened or used as a result of identity theft and were not authorized by me.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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. CREDIT COLLECTION SERV : # XXXX, XXXX XXXX XXXX : # XXXX, and XXXX XXXX XXXX : # XXXX has violated my rights. I looked at my XXXX  credit report on XX/XX/scrub> 2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are suppose to 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX and my Only address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FLORIDA XXXX this is where I live and get all of my mail. 

any other address listed on any of my credits reports should be removed. I dont have any association with any other addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX and my Only address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FLORIDA XXXX this is where I live and get all of my mail. 

any other address listed on any of my credits reports should be removed. I dont have any association with any other addresses.

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 2025-08-05 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a PDF document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America is reporting one late payment in my credit report on XX/XX/year> and I never made a late payment.

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 2025-08-04 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: GA

Complaint narrative:
On XX/XX/year> I have paid off the agreed settlement amount of {$690.00} for this account and Westlake Financial is report inaccurate info on my credit file under FCRA 15 USC 1601.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MS

Complaint narrative:
Cash App ( operated by Block , Inc. ) suddenly and without explanation closed my personal, business, and my minor childs Cash App accounts. Each account received the same generic message stating that I had violated the terms and conditions, but no specifics were provided. 

Starting early XX/XX/2025, I contacted Cash App support via chat because the withdrawal feature had changed from cash out to withdrawal. I didnt understand how to withdraw from my attached XXXX XXXX  debit card and deposited money into my bank account. I contacted support several times trying to do this process. As you see via the chat messages. I also attached their Withdrawal Policy and Cant Withdraw Policy neither policy states that your debit card and bank account cards have to match in order to withdraw and deposit into your bank account. So, as I keep doing it wrong and being advised wrong I requested my transaction fee as a refund of very small amounts. One representatives denied my fees stating I requested these fees and in actuality I requested the instant transfer fee because I was told by the representative it would work! No one told me to remove my XXXX XXXX debit card to make this transaction possible. I figured this out after multiple attempts. 

The representatives got frustrated with me and requested my cash app accounts closed out of pure frustration. This is unacceptable practices for a company. Its unethical practices as well. 

I have not engaged in any activity that would violate Cash Apps policies. All accounts were used for normal, lawful financial transactions. Cash App has not responded to my request for a detailed explanation or provided any justification. My business operations have been disrupted, and my son has been denied access to his funds as well. 

I am requesting : - A detailed explanation for the closures. 
- Reinstatement of all three accounts OR immediate return of all funds to our linked bank accounts. 
- An investigation into Cash Apps recent pattern of unsubstantiated account closures impacting users. 

This appears to be a systemic issue affecting many users and should be reviewed for potential regulatory violations. 

Company Website : XXXX XXXX XXXX Company Email : XXXX XXXX

Company response to consumer: Closed with explanation