vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

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 ( CFPA ). 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 ( EFTA ) and Regulation E. 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 2025-04-21 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:
I am writing you about the compromising of my social security number. I am a victim of Identity Theft due to the. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my Transuion credit report, does not relate to any transactions that I have made or accounts I have opened. It is the result of identity theft. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX * * * * * * * XXXX. 
XXXX XXXX XXXX Account Number : XXXX * * * * * * * XXXX. 
XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * XXXX. 
XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * XXXX. 
XXXX XXXX XXXX  Account Number : XXXX * * * * * * XXXX. 
XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * XXXX. 
XXXX XXXX Account Number : XXXX * * * * * * * XXXX. 
CXXXX XXXX  Account Number : XXXX * * * * * * * * * * * XXXX. 
XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * XXXX. 
XXXX XXXXXXXX Account Number : XXXX * * * * * * * * * * * XXXX. 
XXXX XXXX Account XXXX : XXXX * * * * * * * * * * * * * * *. 

XXXX. 
XXXX XXXX Account Number : XXXX * * * * * * * * * * XXXX. 
XXXX XXXX XXXX  Account Number : 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 2025-04-21 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 ( CFPA ). 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 ( EFTA ) and Regulation E. 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 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 ( CFPA ). 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 ( EFTA ) and Regulation E. 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 2025-04-21 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: MA

Complaint narrative:
In XX/XX/XXXX, I noticed an unauthorized account on my credit report that I did not open and had no involvement with. 

The account is : XXXX XXXX Opened on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: Oliphant United, Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for their failure to comply with federal consumer protection lawsspecifically the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Identity Theft and Assumption Deterrence Act. 

On [ XX/XX/XXXX ], I submitted formal disputes to all three credit bureaus regarding multiple fraudulent or inaccurate entries on my credit reports. Chief among them was an unauthorized collection account from Oliphant USA LLC, reportedly placed by XXXX, which I neither opened nor authorized. Despite providing all supporting documentation, I have received no confirmation or resolution within the XXXX timeframe required by law. 

Key Violations and Discrepancies Identified : 1. Oliphant Collection ( XXXX )- XXXX XXXX Not reported - XXXX XXXX  {$7500.00}, marked as collection and disputed - XXXX XXXX  {$7500.00}, marked as unpaid collection and disputed This inconsistency, combined with my lack of association with the debt, raises strong suspicion of identity theft. 

XXXX. XXXX XXXX Account ( Ending in XXXX ) - XXXX XXXX Pays As Agreed {$2500.00} - XXXX XXXX Current {$2500.00} - XXXX  : Open, but shows delinquencies from XXXX Same account, different histories and risk ratings reported across bureaus. 

XXXX. XXXX XXXX Account ( Ending in XXXX ) - XXXX  : Pays As Agreed {$3800.00} - XXXX  : Open {$3800.00} - XXXX  : Open with past-due notations from XXXX No late payment data appears in XXXX or XXXX for this period. 

XXXX. XXXX XXXX ( Account Ending in XXXX ) - XXXX : Pays As Agreed {$560.00} - XXXX : Not reported - XXXX XXXX Open {$560.00} Missing from XXXX suggesting incomplete reporting. 

XXXXXXXX XXXX XXXXXXXX XXXX ( Account Ending in XXXX ) - XXXX XXXX  Not reported - XXXX : Closed and Paid - XXXX : Closed, but marked with XXXX late payments prior to closure Conflicting payment history and risk indication. 

XXXX. Other Notable Entries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Reported only by XXXX  with no record in the other bureaus Potential data mismatch or incorrect reporting sources. 

Legal Basis for Complaint : - FCRA ( 15 U.S.C. 1681 et seq. ) : Requires consumer reporting agencies to investigate disputes within 30 days and ensure the accuracy of all information they maintain.

- FACTA : Allows consumers to request fraud alerts and dispute incorrect information.

- Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : Makes it a federal crime to knowingly transfer or use identifying information without lawful authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I deposited XXXX checks, since the bank " can not verify the funds '' They decided to block the access to my account.

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 2025-04-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX serviced by Shellpoint, regarding my HELOC, loan.

I contacted them because they had placed forced flood insurance on the HELOC, however, I already have flood, property, fire and windstorm on the primary mortgage and forced insurance is unnecessary. 

On XX/XX/XXXX, I sent proof of this insurance. I never received a letter of receipt of my XX/XX/XXXX email with supporting documents I have called multiple times since XX/XX/XXXX to get a status on the removal of the forced insurance, the closure of the escrow account ( there shouldn't be one at al since this is the secondary not the primary according to my broker and attorney ), and the payment amount to return to the original amount prior to the forced insurance.

The calls were all recorded and I was assured it would be taken care of immediately AND that the overage payment would be refunded back to me in the form of a check. Again, all of these conversations have been recorded. 

I just called again, and the customer service representative was lovely however, she was told that no, the amounts haven't changed quite yet, to hold tight AND that I would NOT be receiving a check in the overage amount that I had paid, but instead it would be applied to my principle. 

I am not in arrears, and it is my decision if I want an extra payment put towards my principle, which I do not. I want the overage amount sent back to me, and the monthly payment amount to immediately reflect the original monthly payment. 

To add insult to injury, I also received a letter today from XXXX XXXX, serviced by Shellpoint, in the mail that said my forced property insurance would increase my payment by {$250.00} instead of the incorrect forced amount of {$160.00}. 

So, not only have they failed to rectify the issue, close the escrow account, or refund me the money I PAID because they screwed up, but now they are increasing the amount???? 

I have called so many times, and asked to speak directly to someone in the insurance department to no avail. They have given my the " direct number '' XXXX, which does nothing but put back in touch with a customer service representative and they have to keep putting me on hold to speak to the insurance department. 

This place is a mess. 

My ask is simple : 1. close the escrow account ; 2. fix the monthly amount I need to pay so that it doesn't have any forced insurance ; 3. Reimburse me for the overage amount that I have paid due the mistake of the XXXX XXXX, do not unilaterally apply it to my principle. 

Please assist me and hold these folks responsible for this sloppy work. They are taking money that sis not theirs and unilaterally and inconsistently deciding what to do with it. Every time its a different answer. 

Thank you, 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 2025-04-21 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: MA

Complaint narrative:
In XX/XX/XXXX, I noticed an unauthorized account on my credit report that I did not open and had no involvement with. 

The account is : XXXX XXXX Opened on XX/XX/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 explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to clear out the information that's been attached to my name and information that is completely incorrect I just want my first and last name email address one address Instead, I have multiple inaccura

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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:
This inquiry was made without my consent ; I did not interact with the lender on that date.

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 2025-04-21 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:
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 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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
- Personal Statements XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING 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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX  Report Confirmation : XXXX. This is a formal dispute concerning a newly reported collection account by RESURGENT/LVNV FUNDING, originally opened on XX/XX/XXXX, with a balance of {$1000.00}. According to XXXX, delinquency was first reported in XX/XX/XXXX, and the account most recently updated on XX/XX/XXXX. The original creditor is listed as XXXX XXXX. This account was associated with a XXXX XXXX commercial fuel card issued to a business, not to me as an individual. I do not recall signing any personal guaranty, and I have not received any documentation showing that I am legally responsible for this debt. Despite that, the account is being reported with a Payment Responsibility listed as INDIVIDUAL and the full balance marked as past due, which is inaccurate and misleading under FCRA 1681e ( b ). I do not accept or affirm any liability and dispute the legitimacy of this debt entirely. I am requesting full validation under FDCPA 809 ( b ) and FCRA 1681i, including a signed credit agreement, any documentation showing I was a personal guarantor, and the full chain of assignment from XXXX XXXX  to LVNV Funding. Additionally, if XXXX XXXX  canceled or charged off this debt, no Form 1099-C has ever been issued to me as required under IRS Code 6050P, which raises compliance concerns. The classification of this account as an Individual responsibility, combined with the lack of personal obligation and absence of IRS reporting, renders this entry both unverifiable and unlawful. I request that this item be permanently deleted from my XXXX  credit report unless full and legally valid documentation is produced immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I received a bill from XXXX in XXXX XXXX, stating that it was a final notice for {$290.00}. I called them and told them I had no idea what it was for and never heard from them again. Until a few weeks ago, ( XX/XX/XXXX ) when I got a letter from a collection agency ( National Credit Adjusters ) demanding payment of {$650.00}. I promptly advised them by email that I did not know what it was about. They responded that they would investigate. On XX/XX/XXXX, I noticed that they had posted a collections notice on my credit reports. Note that I have EXCELLENT credit. I advised them, this time by certified letter, that they were supposed to be investigating not reporting to collection agencies. 
Finally on or about XX/XX/XXXX, I got a package in the mail. That package included a copy of the original transaction stating that the charge was made to XXXX  on XXXX XXXX, In the amount of {$460.00} with insurance in the amount ot {$33.00} for a total of {$490.00}. I have never seen that bill before and would certainly have protested it at the time. 
The package also included a bunch of " supporting '' bills that show a month and date but no year. 
I feel like I am being bullied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Company : Ally Bank Product : Checking ( Debit Card Dispute ) Issue : Problem with a bank account or service Disputes Details : I submitted XXXX dispute claims to Ally Bank for charges from the same merchant ( " XXXX '' ) for the same type of purchase, under the same circumstances : goods were not received, and I had contacted the merchant to request a refund prior to filing the dispute. 

For both disputes, I provided identical evidence showing I reached out to the merchant. Ally credited XXXX charge ( {$39.00} ) but denied the other ( {$100.00} ) despite both disputes having the same proof and reason for filing. 

When I contacted Ally and asked why they denied XXXX but approved the other no response was given but to reopen the claim after I literally submitted the exact same documents as before. I re-uploaded the same documentation to Ally and the dispute was reopened, but I have still not been given a valid explanation, and the resolution deadline has passed. 

I am seeking a clear and fair resolution to this identical dispute, and for Ally to correct this inconsistent handling. 

I was told XXXX days for original filing date. Then an additional XXXX days after it was reopened. Then this morning ANOTHER additional XXXX business days because they passed my account to XXXX XXXX. XXXX business days is bogus when they should have credited both charges. 

I contacted Ally on XXXX ( XXXX ), and XX/XX/XXXX. The only reasoning given for denying the {$100.00} was on XX/XX/XXXX claiming that my documentation didnt show I contacted the merchant when it clearly did and that SAME documentation got the {$39.00} credit to the same company approved. Makes no sense. Since then its been generic, Thank you for reaching outmessages with no 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