vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have used cashapp for almost a decade, I am a well seasoned user of the app and use it on a regular weekly basis as a form of banking and borrowing ( credit through the borrow program. I am also a regular borrower and know exactly how their programs work. Never until this day, have I had cashapp add cash without my permission, to pay money to my borrow account. I was never notified that they began using auto repayments, and was never notified that all future borrow repayments would have auto repayments toggled to on rather than giving the user the option with their knowledge. After almost {$500.00} was removed from my account this morning, through 6 separate transactions made by cashapp without my permission, I was still given no answers. I reached out 4 times and was told each time that they cant tell me anything about the lender program EXCUSE ME?! So whose job is that if its not cashapp??

I had to go through the app like a detective trying to figure out what was happening. Even after finding their new feature That they turn on without your permission, even after turning them all off one by one, another {$210.00} payment was taken from my account. They caused me to overdraft by almost {$500.00} today bc of this, and have no answer for me and feel no responsibility for their own shady practices. 

I have used the borrow program with cashapp since they started the program. I am so disappointed and fee I can no longer trust this lender. 

You ruined my budget, Im a single mom to a XXXX child with high support needs. I get {$2700.00} every month to my cashapp on the XXXX of each month. I did not need you to take it upon yourself to remove money from my ACTUAL BANK ACCOUNT, without my permission, to pay a loan that isnt due until the end of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
SoFi Bank changed the deposit date on a check to hold onto funds longer than they should that are holding a certified check for 10 days. I have the screenshots of the day they changed the deposit date and I also have pictures with the timestamps and date stamps from the day I deposited the check

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-26 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-09-26 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: MI

Complaint narrative:
I have several accounts that are being reported inaccurate " Date open '' demand to update creditor : XXXX XXXX bank * currently reported open XXXX * correct date open XXXX * XXXX XXXX  * currently open date reported XX/XX/XXXX * correct open date XX/XX/XXXX * XXXX * currently open date reported XX/XX/XXXX * correct open date open XX/XX/XXXX These accounts was not open on the currently reported dates .. they were open on or around the dates listed above, and the reporting is materially inaccurate.This misrepresentation shortens my credit history and creates a false and damaging impression of the account 's longevity.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have several accounts that are being reported inaccurate " Date open '' demand to update creditor : XXXX XXXX bank * currently reported open XXXX * correct date open XXXX * XXXX XXXX  * currently open date reported XX/XX/XXXX * correct open date XX/XX/XXXX * XXXX * currently open date reported XX/XX/XXXX * correct open date open XX/XX/XXXX These accounts was not open on the currently reported dates .. they were open on or around the dates listed above, and the reporting is materially inaccurate.This misrepresentation shortens my credit history and creates a false and damaging impression of the account 's longevity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$540.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-26 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/25 XXXX XXXX XXXX Date : XX/XX/25 XXXX XXXX XXXX  Date : XX/XX/25 XXXXXXXX Date : XX/XX/25 XXXX Date : XX/XX/25 XXXX XXXX Date : XX/XX/25 XXXX   XXXX Date : XX/XX/25 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am formally disputing certain collection and charge-off accounts on my credit report as inaccurate, outdated, or unverifiable. Despite submitting disputes and supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I demand a full reinvestigation of these accounts, and any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MI

Complaint narrative:
My former School ( XXXX XXXX XXXX ) has become defunct due to school misconduct. My loan server ( Mohela ) will not remove the private loans of my record despite months of trying and filing the required information. My Federal loans have been forgiven for years. This is destroying my credit and I can not live a normal life due to this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After reviewing my TransUnion credit report, I was appalled to discover that XXXX XXXX XXXX, account ending in XXXX, is being reported as a collection/charge-off dated XX/XX/year> in the amount of {$550.00}. This reporting is entirely inaccurate and damaging. 

This account is not a valid collection, nor is it a legitimate charge-off. The balance is fabricated, and the reporting reflects negligence or willful disregard for accuracy. I have never received verifiable documentation proving that this alleged debt is mine, that it is valid, or that XXXX XXXX XXXXXXXX followed proper procedures in handling it. Instead, TransUnion is publishing damaging, unverified information that tarnishes my credit profile. 

This is not the first time I have encountered these types of errors. I have submitted disputes in the past, and each time TransUnion has issued the same blanket response of verified as accurate, with no actual investigation and no evidence. This is a clear violation of the Fair Credit Reporting Act. TransUnion is required to maintain maximum possible accuracy under 1681e ( b ) and conduct a reasonable reinvestigation under 1681i. Simply rubber-stamping a creditors response does not meet the legal standard of a reasonable reinvestigation.

The real-world harm is severe. This false charge-off inflates my risk profile, depresses my credit score, and places barriers in front of me when applying for credit, housing, or even employment. No consumer should be forced to suffer financial damage from information that can not be substantiated, yet that is exactly what TransUnion is enabling here.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is reporting XXXX accounts with inaccurate and conflicting information : XXXX XXXX XXXX Credit Card Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Both accounts are showing balances or statuses that are inconsistent with the true account information. Notably, XXXX and XXXX  report different balances, statuses, and dates for these same accounts, confirming that Experians reporting is inaccurate and inconsistent. This is a direct violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. Courts, including Cushman v. TransUnion, have ruled that reporting conflicting balance/status information is inaccurate and harmful to consumers.

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 2025-09-26 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: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NM

Complaint narrative:
As already stated, this is a Resubmission of previous complaint ( Complaint # XXXX ) as they said they were looking into our case and would pause all affected credit lines while doing so, but never did nor has provided any update to the investigation already being 60+ days and they have closed the prior complaint. 

Was called by XXXX about a debt collection after already speaking with them that I do not believe I was responsible for paying the collection and would not like to be contacted again. They proceeded to call even after I told them I was going to find a lawyer to handle this for me. In one case, I was at the bank ( clocked in for work ) dropping off a deposit for the company I worked for at the time when I received a call from them in which I stated, if they could please hold being as I was next to be seen at the teller. Once I dropped off the deposit for my company, the man from the collection agency proceeds to say " Well I hope you are pulling out the money you owe us. '' in which I immediately stated it was a work duty and proceeded to hang up ( as I previously stated I did not want to be contacted ). He then proceeds to call my partner minutes after and harass him saying " I know you guys have money because your boyfriend is at the bank right now. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$740.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
My student loans were forgiven in full on XX/XX/year>. I called to confirm that this was true on XX/XX/year> at XXXX XXXX  MT ( ( XXXX ) XXXX ) and was told over the 8 minute phone call that the loans were in fact no longer in service with the Department of Federal Student Aid and Nelnet. The servicer on the line told me to print the letter in my account for proof. The loans have seemingly reappeared and now my credit score is in danger.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
I have attached proof of dates, balances, and inaccurate payment history. The date of first delinquency is inaccurate, and the last active and last payment are also inaccurate. Payment status is not accurate. They reopened my closed account from 2020, then started reporting derogatory payments when this account was settled through XXXX XXXX XXXX. My credit score dropped XXXX points in one day. The account needs to be removed. XXXX XXXX XXXX will not write me a letter for evidence saying that when the account was settled a few years ago, they forgot to update my account to the credit bureau. So, the past few years, it's been hitting my credit score, and I thought that it was 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 non-monetary relief
Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
I have attached proof of dates, balances, and inaccurate payment history. The date of first delinquency is inaccurate, and the last active and last payment are also inaccurate. Payment status is not accurate. They reopened my closed account from 2020, then started reporting derogatory payments when this account was settled through XXXX XXXX XXXX. My credit score dropped XXXX points in one day. The account needs to be removed. XXXX XXXX XXXX will not write me a letter for evidence saying that when the account was settled a few years ago, they forgot to update my account to the credit bureau. So, the past few years, it's been hitting my credit score, and I thought that it was 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