vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App XXXX Block XXXX Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I financed a service package from XXXX through Covered Care. I was misled during the sales process about location accessibility ( specifically safe parking access, which I disclosed was critical due XXXX XXXX XXXX  ). I only received one treatment and was unable to continue. Despite this, I was billed monthly. 

XXXX eventually approved a partial refund and loan adjustment for {$1900.00}, but a remaining loan balance of {$450.00} still exists. I am now disputing that balance, as I did not use the services and have received no response to multiple written requests for clarifications and full cancellation. 

I am requesting that Covered Care remove the remaining balance and that XXXX provide written confirmation that my account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX c-a ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ). ACCOUNTS THAT ARE FRAUDULENT : XXXX  XXXX, XXXX XXXX, FED LOAN, FED LOAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DEPARTMENT OF EDUCATION, XXXX DEPARTMENT OF EDUCATION, SEC XXXX XXXX ( XXXX, XXXX ), ( XX/XX/year> ). This CFPB complaint has been filed to request pursuant to XXXX XXXX Code XXXX Section XXXX ( A ) - RIGHT TO PRIVACY XXXX ( XXXX U.S.C. XXXX XXXX ) that you Equifax, Trans Union XXXX and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of a multitude of fraudulent accounts. These accounts has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a XXXX C and ALL COMPANIES did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( XXXX ) appearing on my consumer XXXX 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 AND XXXX ) as proof from the XXXX 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 2025-05-24 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: TX

Complaint narrative:
XXXX  hard inquiries dont belong to me, hasnt being authorized by me and has to be removed. aslo this as well thaanksXXXX 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

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 2025-05-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  hard inquiries dont belong to me, hasnt being authorized by me and has to be removed. aslo this as well thaanksXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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/2023 XXXX XXXX XXXX/2023 XXXX XXXX XXXX/2023 XXXX XXXX XXXX/2023 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: BARCLAYS BANK DELAWARE
State: NC

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 word 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 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 2025-05-24 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: DC

Complaint narrative:
I looked at a copy of my credit report and noticed several inaccuracies on my account, this account is hurting my ability to obtain credit, it is my understanding that you will investigate these item for me to ensure accuracy The account I am asking you to verify as accurate : XXXX XXXXXXXX XXXX Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I looked at a copy of my credit report and noticed several inaccuracies on my account, this account is hurting my ability to obtain credit, it is my understanding that you will investigate these item for me to ensure accuracy The account I am asking you to verify as accurate : XXXX XXXXXXXX XXXX Account 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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Sentry Credit, Inc.
State: GA

Complaint narrative:
Ive paid the XXXX the amount of {$1800.00} on XXXX XXXX, XXXX  in the form of a money order that was supposed to be the last Month of our rent when I try to apply for other apartment it still showing up that I owe the XXXX and can not get an apartment because so Ive tried to reach out to the XXXX on XX/XX/year> to see why it still showing that I owe them and they didnt gave me a response they told me to reach out to there collection agency which was sentry credit at the time Ive call them they said i owe XXXX dollars because I broke the lease which XXXX true so I disputed it now the XXXX has a new collection agency called pay ready and Ive still havent heard a response from them to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NM

Complaint narrative:
There are credit inquiries on my report that I never authorized. I didnt apply to these companies, and I absolutely did not give permission for them to access my credit. Having my rights as a consumer violated like this is unacceptable, especially with everything else Im dealing with.

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 2025-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: IL

Complaint narrative:
On XX/XX/year>, I sent a written dispute to NRA regarding a debt allegedly owed to XXXX XXXX ( Reference XXXX XXXXXXXX ). I explained that : I never received any billing statement from XXXX XXXX prior to the collection notice. 
XXXX XXXX had informed me that all self-pay balances were settled. 
The remaining balance stemmed from an unresolved insurance claim, which I was never notified about. 
I requested the following documentation : - Proof that I owe the debt. 
- A detailed, itemized statement of charges. 
- Proof of the assignment of the debt from XXXX XXXX to NRA. 
- Clarification on any reporting to credit bureaus. 

NRA responded on XX/XX/year>, stating that they marked the account as disputed and had requested an itemized bill from their client. Despite multiple follow-up emails on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have not received any documentation, nor has NRA provided confirmation of any mailed correspondence as claimed. My request for validation remains unmet.

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 2025-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
The company is reporting to accounts for the same amounts and thats not true and it is affecting my credit report badly. I need this inaccurate information removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Subject : Deceptive Debt Reporting by XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am submitting this complaint to report deceptive and potentially unlawful debt collection and credit reporting activity by XXXX XXXX, referencing a debt allegedly owed to XXXX XXXX XXXX for an apartment I previously rented at XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX 

Despite vacating the property in good condition under a signed Notice to Vacate agreement, I later discovered an unvalidated {$1300.00} tradeline from XXXX XXXX on my credit report. This amount was never disclosed to me, and no itemized list of charges was provided in the XXXX period required by XXXX  XXXX XXXX ( XXXX ). 

In addition, the landlord entered the apartment without notice, resulting in the theft of personal property, and failed to address major habitability issues such as toxic mold and nonfunctional air conditioning in violation of XXXX  XXXX XXXX. I have filed a police report for the unlawful entry and theft, and I have enclosed that report with my dispute to XXXX XXXX. 

I believe this account is being falsely reported and may be retaliatory in nature, particularly because the property manager pressured me to sign a waiver releasing them from legal liability for these very issues. This is a coercive practice that should be investigated. 

XXXX XXXX has failed to validate this debt under the Fair Debt Collection Practices Act ( FDCPA ) and is reporting it in a manner that may violate the Fair Credit Reporting Act ( FCRA ). These actions are causing unjust harm to my credit and financial well-being. 

I am requesting : Immediate investigation into the collection and reporting practices of XXXX XXXX and XXXX XXXX. 

Removal of the disputed trade-line from all credit reporting agencies. 

Enforcement of penalties if violations of FDCPA or FCRA are confirmed. 

I am happy to provide all supporting documentation, including the dispute letter, police report, and Notice to Vacate agreement, upon request. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: DC

Complaint narrative:
I looked at a copy of my credit report and noticed several inaccuracies on my account, this account is hurting my ability to obtain credit, it is my understanding that you will investigate these item for me to ensure accuracy The account I am asking you to verify as accurate : XXXX XXXXXXXX XXXX Account 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 2025-05-25 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: GA

Complaint narrative:
The items in question are late child support payments through the Texas Attorney General 's Office. I requested the entire payment history from the time the account was opened with the Texas Attorney General 's Office until the time that I had disputed it with the credit bureaus. The Texas AG provided me with those records. Experian deleted the remarks, but Transunion and Equifax will not. 

Also, child support was declared unconstitutional in a Minnesota Supreme Court ruling for violating the separation of powers required by the Minnesota Constitution in Article 3 Section 1. Furthermore, child support agencies ' actions are also unconstitutional due to lack of probable cause.

The full faith in credit clause requires every state as a part of a single nation to give a certain measure of respect to every other state 's laws and institutions per Article 4 Section 1.

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 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX my Chase Sapphire checking account was close unknown to me and after 5 calls to Chase no one is able to tell me why my account was closed after having it open for 15 years. What is most worrying is that the bank didnt know where the $ XXXX balance is on XX/XX/XXXX the said it was a certified check that was mailed to my then they said it was overnight express shipped however when calling on XX/XX/XXXX no one has any idea if it was mailed or shipped using a tracking number. I cant believe a bank would close my account with no one informing me then basically saying the check is in the mail. A $ XXXX check. This all sound suspicious and no one at the bank both the branch and over the phone will give me records of my rbd balance nor any idea when I will be receiving my money. The last two people o spoke with said someone screwed up and they cant locate the money wait by your mailbox two people told me the issue on top of the missing money is that I live in XXXX and I leave on XX/XX/XXXX and will not return till XX/XX/XXXX. I dont need the money in XXXX but in an account at a XXXX bank. 

Question : Where is my money? 
Where is the tracking number for a cashiers check for $ XXXX Why was my account closed? 
Why was there no communication telling me my account was closed Why cant anyone at a Chase physical branch locate my missing money? 
Why did numerous customer service agents tell me to bank elsewhere. 
Why cant the bank communicate to me where this missing money is I need this money to pay bills here in the US and it needs to go into my XXXX XXXX XXXX Account if Chase no longer wants me as a customer after 15 years. 

This is all very strange and I can honestly say the bank for some reason is lying to me and this money is missing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: AZ

Complaint narrative:
DEAR Transunion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX apt XXXX XXXX, Az XXXX Hi Transunion, Writing regarding the account on my credit file with XXXX XXXX XXXX Account number : XXXX I have already paid this account and the company XXXX XXXX XXXX HAS agreed to close the account and remove it from my credit file. 
I will submit the proof in wiring which I received from 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 2025-05-24 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall 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.

-Delete the accounts-below. XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: NV

Complaint narrative:
The three major agencies are reporting unauthorized fraudulent hard inquiries on my credit report. please see attached dispute letter and FTC 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