vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding an error on my credit report with Experian. A charge-off account has been inaccurately reported by Experian and XXXX, but it was not reported to XXXX, despite the account being fully paid off. 

While the charge-off status is reflected on both Experian and XXXX, the account has been paid off, and this information should be updated on my report to reflect the accurate status. Additionally, the inconsistency among the three credit bureaus is creating unnecessary harm to my credit profile. 

I have provided the creditor with documentation showing that the debt has been fully resolved. Despite this, Experian has failed to accurately update my credit report to show the paid-off status of this account. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is required to ensure the accuracy of the information in its credit reports. I request that you investigate this matter, correct the reporting error, and ensure that the charge-off account reflects its paid-off status.

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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 proce 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 53 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: SC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-02-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selene Holdings LLC
State: NE

Complaint narrative:
I was wrongfully foreclosed on charged thousands after a XXXX  my payment doubled then fixed then bc attorney tried to fix got attorney letter showing current they then tried to do a foreclosure process 6-1 then acted like they empathized did another foreclosure a coupleweeks after I made a payment. Said I had funds and empathized saying I could use it I did get a bit behind not close to foreclosure sent me many documents that had different things as the ones before lied sent false things said I have to pay entire amount of home and all the rearage they believe I'm due won't let me modify after XXXX years here XXXX kids XXXX XXXX in escrow for repairs mostly done. I'm sorry but it keeps erasing my description if I write to slow and to througho so excuse my writing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Loqbox US Inc
State: SC

Complaint narrative:
On XX/XX/ 2024 I mailed letters stating that these companies are in violations of code 15 USC 1681- Permissible Purpose.

15 USC 1666B- Timing of Payment 15 USC 1637B- Statement required with each billing cycle.

15 USC 1681 i- of this title state " report containing solely as to transaction or experience between the consumer an the furnisher making the report '' an a late payment is considered a transaction. 


It has been over 45 days an i have not got a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-02-08 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Army and Air Force Exchange Service
State: MI

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXX XXXX regarding multiple overdraft fees, I have incurred. Despite having sufficient funds When transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices where transactions settled? With insufficient Balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

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 2025-02-08 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: CT

Complaint narrative:
This is to inform you that you have failed to maintain fair and accurate credit reporting which is a total disgrace. I know my rights as a consumer and the Fair Credit Reporting Act 602. Congressional findings and statement of purpose ( 4 ) clearly state that There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by 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 non-monetary relief
Consumer complaint received 2025-02-08 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX NEW YORK ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX TX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX NEW YORK ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Additionally, I have identified multiple unauthorized inquiries on my report that I did not initiate. I request the immediate removal of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following accounts and inquiries in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
New customer Closed my acct with XXXX and attempted to deposit check at local branch atm Deposit was accepted and I received email receipt ( attached ). 

Two hours later ( after branch is closed for the weekend ) - I received email stating deposit not accepted I call customer service and am told, deposit was accepted and pending. There wont be a hold and funds will post XXXX XX/XX/year>. 

I ask about email I received and then representative states, oh yes it wasnt accepted ut youll need to call XXXX  at XXXXam to learn why. 

So now Im without the $ XXXX, the atm kept the check, and I dont even know what took place??

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 2025-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
After being XXXX then leaving a bad relationship, as a single mom who just had my XXXX XXXX XXXX XXXX XXXX I went by the school on a whim because I couldn't find a job anywhere after being fired from my job too. I was struggling with XXXX XXXX XXXX XXXX  and told the lady everything and just wanted information but by the time I left I had been promised a job if I just did 10 months of night classes. The financial aid was never even spoken about. I just signed papers and went to school. I graduated but never got a diploma and ended up getting worse in XXXX  and XXXX again. I was never given a job or diploma even though I did graduate. Fast forward to now about 17 years later and I am stable and decade of XXXX and working full time raising my XXXX yr old and XXXX yr old solo, and I have these predatory loans and no way to reach the school because it was shut down then the owners XXXX and I never worked a day in the XXXX XXXX XXXXXXXX  I wasted 10.months and owe over XXXX but many students sued the school and I had no idea. I want my loans forgiveness. I was preyed upon and lied too and possibly more rip offs happening because I have no idea how it works and I know evil powers are her shutting you down and I am so afraid and alone and terrified they will garnish me or I can never own my parents home because of this fraud. It's unreal and I need help if you ever get to return and fight for the people like you were doing, like I want my tax dollars to go towards the. I am begging for help.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-08 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:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT .PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. 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 2025-02-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I've been leasing Nissan Cars for almost 10 years and I'm a very loyal Nissan customer. 
Now I have a terrifying experience with Nissan Motor Acceptance Company LLC. 
I replaced the XXXX XXXX XXXX with the XXXX XXXX XXXX in the beginning of XX/XX/XXXX. 
The XXXX XXXX XXXX was returned in good condition with some scratches that can be easily polished. 
Then after the telephone conversation with Nissan Motor Acceptance Company LLC I realized that the car was damaged in many places and there is a bill. 
Nissan is overcharging me for scratches on the vehicle. 
Some of the images provided on the portal do not belong to the XXXX XXXX XXXX or had been made when the car was not in my possession, also the AIM Vehicle Condition Report has XXXX Odometer Reading ( what makes me think that accidentally the applause made several mistakes ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
According to the documents that were left at a house I no longer live at, the filed a small claims on XX/XX/XXXX with no knowledge to me or any actual communication with me, then the documents that were left behind were not signed by a peace officer, they are blank and then the main sheet shows that it was signed on XX/XX/XXXX but nothing was again communicated to me. 

I have already checked my credit report and this debt was being disputed way before XX/XX/XXXX and still shows as disputed on my report. 

As of this complaint, not one person has made contact with me about this and this debt is still be disputed due to no information proving it is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
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. 1681c-2 ) that you, the Bureau 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 : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 as proof from the US Federal Trade Commission that all 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 explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Representatives of the Consumer Financial Protection Bureau ( CFPB ), I am writing to formally file a complaint against Citibank due to a lack of transparency, abuse in managing my personal account, and the arbitrary withholding of my funds, which has caused me significant financial and social damages. 

Description of the Issue : While I was traveling abroad, my Citibank USA account was blocked without prior notice, despite holding a balance of over {$100000.00} USD. This prevented me from accessing my own funds, affecting essential payments such as hotels, transportation ( XXXX ), food, and other personal expenses. 

Additionally, I transferred funds from my personal account in XXXX with the intent to invest in the United States and fulfill financial commitments. However, due to Citibank 's unilateral decision, I was unable to complete these investments, resulting in financial losses and damage to my business reputation. 

Attempts to Resolve with Citibank : Upon noticing the issue, I personally visited my branch to seek clarification regarding the unjustified account block, but the bank representatives could not provide a clear explanation. I was informed that Citibank would send me a check within 30 to 60 days, which is unacceptable, as it severely affects my financial rights.

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 2025-02-08 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: SC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 


1. The following personal information is incorrect Account Number : Current Address ( 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