vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Im filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices which wire is the consumer financial protection ACT ( CFPA ) Specifically, cash app feel to take time and effective measures to prevent address fraud on their platform reason my account vulnerable for unprotected. Freedom of dispute resolution process was unfair and deceptive they did not comply with their resolution under the Electronic Funds Transfer ACT ( EFTA ) and Regulation E. These actions have caused significant inconvenience. Financial loss, are I seek appropriate redress for those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MD

Complaint narrative:
I have been sending certified mail to advised these XXXX parting reporting agencies about wrong information and validating the debts they have impacting my personal information since XX/XX/year> after constant rejections and even them mailing back my legal notarized documents. I stopped and lost hope. I didnt take the constant rejection, after giving up I started back up again for the past XXXX  Months starting XX/XX/year> after constant denial of credit. after sending my disputes under law they would mail back my letters and automated response stating well get back to you and never do continuously impacting my information, After multiple attempts I have now made the decision to file a complaint with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated ( " DATE OF PREVIOUS LETTER '' ) but I never received a response from them. These accounts must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX * * * * Balance : {$980.00} XXXX XXXXXXXX * * * * Balance : {$0.00} XXXX XXXX XXXX * * * * Balance : {$3000.00} XXXX  XXXX XXXX * * * * Balance : {$25000.00} XXXX  XXXX * * * * Balance : {$4400.00}

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 any 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 of 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I am filing a formal complaint against M & T Bank for reporting a late mortgage payment in XX/XX/year> on my credit report, despite the account being set on automatic payments through my bank. 

At no time did I receive any notice by mail, email, phone, or billing statement that a payment was missed which violates multiple federal consumer protection laws including : 12 CFR 1024.17 ( k ) ( XXXX ) ( RESPA ) requires timely notification of failed escrow or automated payments 15 U.S.C. 1681s-2 ( a ) ( FCRA ) prohibits reporting inaccurate or unverifiable information 12 CFR 1026.36 ( c ) ( TILA ) mandates prompt mortgage servicing communication This reporting is both inaccurate and damaging. I request : XXXX. Immediate removal of the inaccurate late payment from all credit bureaus XXXX. Copies of any alleged notifications or notices sent regarding this delinquency XXXX. A full investigation into M & T Banks compliance with federal mortgage servicing and credit reporting regulations If this is not resolved, I am prepared to escalate with a Notice of Intent to Sue under FCRA XXXX and XXXX, and pursue damages for negligent reporting.

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 2025-05-22 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: AL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-22 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WSFS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I received an inflow wire transfer of {$140000.00} from a friend and investment partner XXXX XXXX XXXX XXXX from XXXX. The funds sent to my business account in WSFS Bank and cleared on XX/XX/year>. XXXX account has been debited and I had withdraw some amount out the day after but when I try to use my debit card on the business account it refuses and I called my branch at WSFS Bank which they refused to release funds from my account to me so I scheduled a meeting with my bank branch on XX/XX/year>. Got there and had a meeting with the XXXX XXXX XXXX branch manager XXXX XXXX XXXX who then explained that the bank is currently experiencing some internal issues related to wires. She asked several questions about my relationship with XXXX to which I provided full and detailed explanation. XXXX XXXX told me they wish to protect both my interests and the WSFS Bank interest from bad wires ( I have never heard of such a thing as a bad wire in my life ). The bank never informed me how long it would take but I presumed it won't be too long so I complied by cooperating fully with WSFS decision while hoping to establish trust long term relationship on both ends. Tried follow up calls over the past XXXX weeks, XXXX XXXX has not returned my calls as promised. I have been told repeatedly that she is in meetings and customer representatives have been unable to help with no details. 

XXXX XXXX had indicated that I can go about my business activities and money can be credited to my business account but withdrawals would be temporarily restricted. I also requested that WSFS Bank contact the sending bank to verify the funds since XXXX XXXX account was already debited. The bank assured me a call would be made but XXXX told me he has not received any communication from WSFS and the sending bank confirmed no contact has been made either. 

I had a minor incident with my car that needs fixing and cost of repairs had been sent to me so I got upset to the point I had to search online and found XXXX XXXX XXXX who oversees banks in XXXX XXXX, I called and left XXXX messages with no response yet. At this point I am seeking for advise if I should proceed with legal actions against WSFS Bank for mishandling and withholding my money without any concrete reasons? I also need your help in assisting me to get my money out of this deceitful WSFS Bank which would be greatly appreciated.

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 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-22 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am deeply concerned about the derogatory rating on my account and its significant impact on my credit standing. This negative mark has already resulted in the denial of a recent loan application and triggered increased interest rates on my existing credit accounts. The financial and emotional distress this situation has caused is severe and will continue until this matter is properly resolved.

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 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against XXXX XXXX regarding an account I have with them XXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with XXXX XXXX but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : DPT EDXXXX # XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX XXXX XXXX XXXX XXXX  - Dated Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/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 explanation
Consumer complaint received 2025-05-22 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-22 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX I'm writing to dispute a late payment and credit inquiries reported on my credit report for my former account with XXXX XXXX XXXX  ( Partial Account Number : XXXX ). The account is currently closed. 

A late payment was reported on XX/XX/XXXX, but this was due to an annual fee I wasnt aware of. As soon as I saw the charge, I paid it right awaybefore it reached 31 days past due. Ive always made my payments on time, and this one-time situation was resolved quickly. 

However, the late mark has remained on my credit report, and no updates have been made. Additionally, this incident led to XXXX hard inquiries being added to my report, which I believe is excessive and damaging. 

I respectfully request the following : That the late payment be reviewed and either corrected to reflect an on-time status or removed entirely if it was reported in error. 
That the related inquiries be removed from my report, as they were tied to a one-time issue that was addressed promptly. 
If you believe the late payment is accurate, please provide supporting documentation showing the charge date, due date, and when it was paid. If that can not be provided, I kindly ask that the late mark and related inquiries be removed. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-05-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: MECHANICS BANK
State: TX

Complaint narrative:
I am submitting a follow-up to CFPB XXXX XXXX : XXXX. 
Mechanics Bank Auto Finance is reporting a {$4400.00} deficiency balance from a repossessed vehicle, but I never received any notice of the vehicles sale, my right to redeem the vehicle, or a calculation of the deficiency at the time of the repossession in XXXX. 
In their response to my initial CFPB complaint dated XX/XX/XXXX, they included a copy of a deficiency notice allegedly dated XX/XX/XXXX. However, this is the first time I have seen this document, nearly XXXX years after the repossession. They have not produced any proof that it was ever sent, and I never received it. 
Under XXXX UCC 9.6119.614, lenders are required to send proper and timely post-repossession notice. That notice must be provided in a way that can be reasonably confirmed to have been received such as certified mail or a delivery confirmation. If Mechanics Bank can not produce a certified mail receipt, signed delivery, or verifiable tracking information showing I received the deficiency notice in XXXX, the balance they are reporting is invalid and unenforceable by law. 
Additionally, despite my multiple disputes, they have failed to flag this account as disputed using the required XXXX code in credit reporting under XXXX XXXX guidelines and the FCRA. This is another ongoing violation. 
Requested Resolution : I am requesting that the CFPB direct Mechanics Bank to : XXXX. Immediately delete the account from all consumer credit reporting agencies due to lack of legal standing to report a valid deficiency. 
XXXX. Cease all collection activity related to this invalid deficiency balance. 
XXXX. Correct all credit reporting to reflect the required XXXX dispute code, if not removed. 
This inaccurate reporting is causing damage to my credit profile based on a balance that was never legally disclosed or enforceable under XXXX law. 
I have attached Mechanics Banks XX/XX/XXXX response as supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
Experian is listing derogatory accounts multiple times, making it look like I owe much more debt than I actually do. I have a XXXX  XXXX debt with a balance of {$560.00} that was sold to a collection agency called XXXX. Resurgent claims my balance is {$840.00}. Even though both these accounts are the same debt, it shows up as TWO SEPARATE accounts on my report. And both accounts have a note listed that they have been disputed and investigated. If there has been an investigation why is the same derogatory account listed twice? This also occurs on my report with XXXX XXXX XXXX  and XXXX. Although XXXX XXXX sold the debt to XXXX, they both appear on my report when it is just the same account. Theres also a note under XXXX that this account was also disputed and investigated.

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 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: PA

Complaint narrative:
I had gotten an email tonight, XX/XX/year> from Discover Card saying that there was a charge that was over the threshold and that since I wanted to be notified of an excessive charge they were letting me know. But, they processed the transaction anyway. I was quite surprised that Discover Fraud Department did not close the account and they could have cared less about what was going on. There was a fraudulent charge of {$430.00} charged to my Discover Card as a recurring charge to XXXX which I never made now or in the past. This is quite concerning because I also found out that they did the same thing to my XXXX credit card. It appears to be a XXXX charge to my credit cards. XXXX is going to close the account and reissue me a new account. But, Discover did not offer to send me a new card and close the old XXXX out and when I called back they are closed now. I am really considering closing the Discover credit card because I do not like the way they are handling this fraudulent charge and recurring charges. When I called XXXX which Discover didn't even tell me to do and I did on my own. The representative at XXXX had to check and said that they had an order under my name but it was being shipped to XXXX XXXX She closed my account and was going to escalate it to their Corporate Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.

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