vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: FL

Complaint narrative:
Cash App is unlawfully and unjustly blocking every attempt I make to create a new account, based on false assumptions that I violated their policies. The truth is : I was a victim of identity theft and fraud. My information was compromised, and now I am being punished for something I did not do. 

Ive repeatedly tried to resolve this issue, but Cash App refuses to provide any clear explanation, evidence, or appeals process. They simply state I violated their terms, without giving me a way to correct the issue or prove my identity was stolen. This has caused severe financial hardship, as I rely on Cash App for personal and business transactions. 

Their refusal to allow me access or even correct false flags against my identity may constitute violations of the following federal consumer protection laws : Fair Credit Reporting Act ( 15 U.S. Code 1681 ) If Cash App is maintaining negative internal records tied to me due to fraud, I have the legal right to have that information reviewed, corrected, or removed. 
Electronic Fund Transfer Act ( 15 U.S. Code 1693 ) This law protects consumers from being held liable for unauthorized transactions and ensures a fair and timely resolution process. 
CFPB Consumer Protection Standards Cash App is required to provide transparency, a way to dispute negative decisions, and fair access to financial tools. 

This is not just a policy violationthis is a denial of basic consumer rights. I did not commit fraud. My identity was compromised, and I have taken steps to verify and secure my information. Cash App has failed to give me a legitimate path forward, which is causing continued harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Alleged amount {$5200.00} XXXX : XXXX. Date : XX/XX/year> c/o XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Re XXXX Account # XXXX Notice to Principal ; Notice to Agent - Notice to Agent ; Notice to Principal I have a few questions of you for assistance in this so-called debt you are to answer them under penalty of perjury in affidavit form via certified mail. 

1. You are violationg my rights to be left alone and also I never gave Midland Credit Management prior consent / express permission to communicate with and use a consumer in connection with the collection of a " debt ''. Also MCM may not use my social security number or any information that is private/sensitive to me and non-public. 

2 .. Sending mail through using the postal system without validation, is that mail fraud is this true?

3. I must demand Validity of this debt who are you? Is there a physical contract/Purchase agreement or other financial instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

4. Did you provide any funds to me pertaining to this alleged debt and how much did you invest if any?

5. Did you provide an amount of credit to me concerning this " account ''?

.

In a good faith effort to resolve this matter amicably, I restate my demand the specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask you to cease and desist with communicating with me. 

Thank you for your prompt attention to this matter. you have 10 days to perform from date sent. 

Sincerely, XXXX XXXX XXXX. 
Natural Person, In XXXX XXXX XXXX XXXX All Rights Reserved Without Prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
Subject : Complaint Regarding TransUnion 's Failure to Resolve Dispute Within FCRA Timeframe Dear Consumer Financial Protection Bureau, I am submitting this complaint to formally address TransUnion 's failure to resolve my credit report dispute within the timeframe mandated by the Fair Credit Reporting Act ( FCRA ). 
Background : Dispute Submission Date : XX/XX/year> Current Date : XX/XX/year> Disputed Items : XXXX XXXX XXXX XXXX XXXX XXXX Account {$8000.00} U.S. Bankruptcy Account Reference Number : XXXX On XX/XX/year>, I submitted a dispute to TransUnion concerning the above-mentioned items, which I believe are inaccurately reported on my credit file. As of today, XX/XX/year>, more than 30 days have elapsed without a resolution. I have been in contact with XXXX from TransUnion 's Fraud Department, who confirmed receipt of my dispute on XX/XX/year>, and stated that the investigation is still ongoing. 
FCRA Compliance Issues : Under the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate disputes and resolve them within 30 days of receipt. An extension of up to 15 days is permissible only if the consumer provides additional information during the initial 30-day period. In this case, no additional information was submitted after the initial dispute, and therefore, the investigation should have been concluded by XX/XX/year>. 
Furthermore, the continued reporting of the U.S. Bankruptcy Account and the XXXX XXXX XXXX XXXX XXXX XXXX Account, which are not associated with me, constitutes a violation of the FCRA 's requirement for accurate reporting. 

Requested Resolution : I respectfully request the following actions : 1. Immediate removal of the inaccurately reported U.S. Bankruptcy Account ( Reference Number : XXXX ) and the XXXX XXXX XXXX XXXX XXXX XXXX Account ( {$8000.00} ) from my TransUnion credit report. 

XXXX. A thorough investigation into TransUnion 's failure to comply with the FCRA-mandated dispute resolution timeframe.

3. Confirmation that TransUnion has implemented measures to prevent such delays and inaccuracies in the future.

I have attached copies of all relevant correspondence and documentation pertaining to this dispute for your review. 

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

Sincerely, 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 explanation
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-04-17 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: NJ

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-04-17 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: FL

Complaint narrative:
I have filed several identity theft complaints with id theft affidavits to transunion. 

XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA
State: NJ

Complaint narrative:
I am writing to request the removal or amendment of derogatory remarks on my credit report related to my Mohela account, which resulted from a missed payment caused by Mohelas failure to properly contact me. Mohela had incorrect contact information on file and continued to send correspondence to an incorrect address, failing to notify me of an outstanding balance. As a result, I was unaware of the payment obligation, leading to a missed payment that was reported to the credit bureaus and significantly damaged my credit score. 
I only became aware of the issue through my bank, not Mohela, and took immediate action upon discovery. I contacted my bank thinking there was an issue on their end considering I got the notification through them. My bank assured me there was nothing wrong. I contacted Mohela, clarified the communication error, and promptly resolved the matter by making the required payment along with additional payments to ensure my account was in good standing. Mohela has records confirming their use of incorrect contact information, which caused this issue. 
I requested that Mohela issue a goodwill adjustment to remove or amend the negative remarks on my credit report, but they stated it was not their policy to do so. Consequently, I filed disputes with XXXX XXXX, and XXXX  to correct my credit report. I have an impeccable history of never missing a loan payment and would not have missed this payment had Mohela properly communicated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: MO

Complaint narrative:
The Credit Bureaus and the Credit Card companies have denied me my rights to privacy and accurate reporting processes. I have disputed the inaccuracies to the Credit Bureaus who would not or could not validate the accuracy of these accounts. In addition, they are reporting that these accounts have been closed which is inaccurate as well. 
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, which states that I have the right to privacy 15 USC 1681 section 604A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card under an open end consumer credit plan for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: MO

Complaint narrative:
The Credit Bureaus and the Credit Card companies have denied me my rights to privacy and accurate reporting processes. I have disputed the inaccuracies to the Credit Bureaus who would not or could not validate the accuracy of these accounts. In addition, they are reporting that these accounts have been closed which is inaccurate as well. 
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, which states that I have the right to privacy 15 USC 1681 section 604A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card under an open end consumer credit plan for any purpose.

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 2025-04-17 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: Sunbit, Inc.
State: MO

Complaint narrative:
The Credit Bureaus and the Credit Card companies have denied me my rights to privacy and accurate reporting processes. I have disputed the inaccuracies to the Credit Bureaus who would not or could not validate the accuracy of these accounts. In addition, they are reporting that these accounts have been closed which is inaccurate as well. 
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, which states that I have the right to privacy 15 USC 1681 section 604A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card under an open end consumer credit plan for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-04-17 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful

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 2025-04-17 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: DC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
On XX/XX/year> at XXXX I received this email back from the company XXXX XXXX, The escrow was denied because investor requirements do not allow a servicer to discontinue or waive escrow due to the mortgage typeTX Equity section 50 ( A ) ( 6 ). There isn't documentation available, but this is the reason. 

Thank you for being the best part of loanDepot! 

We appreciate you allowing us the opportunity to assist you with your recent request. If you have any further questions, please reply to this message directly and Ill be happy to assist you further. You may also reach us at ( XXXX ) XXXX Monday through Friday from XXXXXXXX XXXX XXXX XXXX. CT and Saturday from XXXX XXXX XXXX XXXX. CT. 

Best Regards, XXXX XXXX  Customer Support Representative

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: KY

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 ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX Experian 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 XXXX 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
Consumer complaint received 2025-04-17 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: WA

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that appear on my Transunion credit report. I did not authorize these entities to access my credit file, nor do I have any existing relationship or prior knowledge of these companies.

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 2025-04-17 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential 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