vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX I reported in online chat that there was a very slight discrepancy in my cash app account. Within a few hours of reporting the bank error they online messaged that in order to continue utilizing the app I needed to verify. I advised them that their system error in the past wouldn't allow it and could verification be accomplished through email? They never answered this. I said I would try shortly. They said okay. I tonight received a message via chat and I responded that I would try later. Then when I went to try about an hour ago the system which had an option to verify through your contacts when I chose that option there was a system error generated. When that error was generated all of a sudden that option disappeared. When i went back to the online chat I told the rep this and although there was a courteous reply on their part they offered no solution only a survey. I'm just trying to be proactive at this point in time and if you could possibly intervene and let them know that I'm traveling at this point in time leaving in XXXX days. all my retirement pay and a little bit of savings is tied up in this account and I can't access it to move the money from savings to spending it. Please let them know that i will voluntarily close the account amicably by Mid XXXX after my trip. For privacy reasons I don't want to link a bank account which is the only other option that the system was forcing since the contacts option disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Possible Financial Inc
State: CA

Complaint narrative:
I filed a dispute on POSSIBLE FINANCIAL INC for account XXXX due to incorrect information reported. XXXX denied to follow up with the investigation. I have contacted the company for verification of account multiple times and have not received any response from them. I have sent multiple emails to their support email for assistance regarding the account with no response. XXXX refuses to delete the account off my account without verifying the information. XXXX investigation is incorrect and incomplete. I recently was notified that CFPB has filed a lawsuit against the company XXXX. They have alleged the company is accepting unreliable information and fails to notify consumer dispute results. This aligns well with my current situation. XXXX has not attempted to remove nor correct any information that I have disputed. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. XXXX is violating my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-04-05 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: NY

Complaint narrative:
I recently reviewed my credit report and found fraudulent accounts. Please remove these accounts, as they are negatively impacting my credit. All of which I am not aware of, and which contains misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: VA

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I didn't authorize any goods or services from these companies. These accounts are fraud and should be removed from my report

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 2025-04-05 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: CA

Complaint narrative:
In XX/XX/XXXX, I became aware of an education loan on my credit report that I did not apply for. I immediately contacted XXXX XXXX XXXX ( the lender listed ), and was able to gain access into the account on their site. I found out my former legal name was and SSN used to sign up as a student in the XXXX  XXXX XXXX. I then filed a police report for XXXX Identity Theft because I am NOT a student, nor do I intend on becoming one. I have been going through a divorce since XX/XX/XXXX, so I have been doing everything I can to make wise financial decisions and pay off existing debts... I have no interest in creating new ones. I have submitted proof of the identity theft to all 3 Credit Bureaus and XXXX XXXX and have received little-to-no response. I have also submitted a complaint to the Federal Student Aid website. I was only made aware today ( XX/XX/XXXX ) that I am to submit a complaint to your organization, which is why I am only now doing so. Considering Fraud and Identity Theft are major security issues, I would expect for there to be some urgency and understanding in getting this matter taken care of. I need the loans discharged and removed from my credit report because I should not be deemed responsible for a debt that someone created by stealing my identity. Please help me solve this problem.

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 2025-04-05 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: CA

Complaint narrative:
In XX/XX/XXXX, I became aware of an education loan on my credit report that I did not apply for. I immediately contacted XXXX XXXX XXXX ( the lender listed ), and was able to gain access into the account on their site. I found out my former legal name was and SSN used to sign up as a student in the XXXX  XXXX XXXX. I then filed a police report for XXXX Identity Theft because I am NOT a student, nor do I intend on becoming one. I have been going through a divorce since XX/XX/XXXX, so I have been doing everything I can to make wise financial decisions and pay off existing debts... I have no interest in creating new ones. I have submitted proof of the identity theft to all 3 Credit Bureaus and XXXX XXXX and have received little-to-no response. I have also submitted a complaint to the Federal Student Aid website. I was only made aware today ( XX/XX/XXXX ) that I am to submit a complaint to your organization, which is why I am only now doing so. Considering Fraud and Identity Theft are major security issues, I would expect for there to be some urgency and understanding in getting this matter taken care of. I need the loans discharged and removed from my credit report because I should not be deemed responsible for a debt that someone created by stealing my identity. Please help me solve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I became aware of an education loan on my credit report that I did not apply for. I immediately contacted XXXX XXXX XXXX ( the lender listed ), and was able to gain access into the account on their site. I found out my former legal name was and SSN used to sign up as a student in the XXXX  XXXX XXXX. I then filed a police report for XXXX Identity Theft because I am NOT a student, nor do I intend on becoming one. I have been going through a divorce since XX/XX/XXXX, so I have been doing everything I can to make wise financial decisions and pay off existing debts... I have no interest in creating new ones. I have submitted proof of the identity theft to all 3 Credit Bureaus and XXXX XXXX and have received little-to-no response. I have also submitted a complaint to the Federal Student Aid website. I was only made aware today ( XX/XX/XXXX ) that I am to submit a complaint to your organization, which is why I am only now doing so. Considering Fraud and Identity Theft are major security issues, I would expect for there to be some urgency and understanding in getting this matter taken care of. I need the loans discharged and removed from my credit report because I should not be deemed responsible for a debt that someone created by stealing my identity. Please help me solve this problem.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving 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 non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
As of XX/XX/year>, my balance was {$21000.00}. I paid {$550.00}. And should have had a remaining balance of {$20000.00}. But it only went down to {$20000.00}. They did not apply {$450.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: PA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Accounts : XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XXXX  - XX/XX/XXXX - {$40000.00} XXXX - XXXX XXXX  - XX/XX/XXXX XXXX {$0.00} XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - {$220.00} XXXX - XXXX - XX/XX/XXXX - {$390.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1900.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$140.00} Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : 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 2025-04-05 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX 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  - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , INC ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act and ( CFPA ). Specifically, catch up, fail to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error, resolution requirements under the electronic fund transfer act in ( EFTA ) and regulation E these actions have caused significant inconvenience in financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: McCarthy, Burgess & Wolff, Inc.
State: GA

Complaint narrative:
i asked them to stop calling me and my husbands phone but the still call every day. i asked them to validate the debt but they have not done so according the the FCRA guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am disputing a charged-off account from XXXX XXXX XXXX account number XXXX, which appears on my Experian credit report. The account was opened on XX/XX/XXXX and charged off as of XX/XX/XXXX with a balance of {$1000.00}. 

I did not authorize or recognize this account, and I believe it may be the result of identity theft, a reporting error, or a possible data breach. Experian has not provided documentation validating this account. I am requesting a full investigation and the removal of this inaccurate account if found invalid. 

This issue is negatively impacting my credit score and financial opportunities, and I am seeking immediate resolution.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I didn't authorize any goods or services from these companies. These accounts are fraud and should be removed from my report

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 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Issues with XXXX : XXXX ) Tried cancelling my XXXX subscriptions today. Allowed me to cancel the creative cloud account. But would not allow me to cancel the XXXX XXXX account. Current Debit Card information is reflected in my account. ( screenshots provide ) 2 ) Also, attempted to use Creative Cloud AI to produce a " half-dome '' in 3 dimensions but not intuitively simple and results not amenable for 3D printing in .stl

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 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/XXXX {$390.00} Open balance XXXX XXXX XXXX XXXX Original creditor Opened Account status Type Responsibility Remarks Original creditor name XX/XX/XXXX ( XXXX mos ) Open - Individual Placed for collection Placed for collection I XXXX XXXX XXXXXXXX XXXX XXXX Last reported XX/XX/XXXX {$350.00} Open balance XXXX XXXX XXXX Original creditor SNAPSHOT Opened Account status Type Responsibility Remarks Original creditor name XX/XX/XXXX ( 1 yrs, 10 mos ) Open - Individual Placed for collection Placed for collection XXXX XXXX XXXXXXXX RADIUS GLOBAL SOLUTIONS LLC  Last reported XX/XX/XXXX {$350.00} Open balance RADIUS GLOBAL SOLUTIONS LLC Original creditor XXXX  Opened XX/XX/XXXX ( 1 mos ) Account status Open Type - Responsibility Individual Remarks Placed for collection Placed for collection Original creditor name RADIUS GLOBAL SOLUTIONS LLC

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