vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: SC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-06-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
Subject : Predatory Installment Loan with Excessive APR Details : I took out an installment loan from Lendumo ( Niswi, LLC ) for {$1400.00}. The contract states I will repay a total of {$6600.00} over 12 months, which reflects a 500 % APR. I have already paid over {$3000.00} toward this debt, yet I am still being told I owe thousands more. 

This loan is unaffordable and unfair. Lendumo claims XXXX XXXX and is evading state usury laws. Despite the disclaimers, this loan structure exploits consumers in financial distress. I was not properly informed of the long-term cost, and I did not fully understand the implications of the interest rate or repayment terms. 

I am requesting that the CFPB investigate this lender and assist in obtaining a fair resolution. I am unable to pay the inflated remaining balance and need an accurate and fair payoff calculation. I also request that the CFPB review whether this lenders practices are abusive or deceptive under federal law. 

Loan Details : Lender : Niswi, LLC d/b/a Lendumo Loan Number : XXXX Loan Date : XX/XX/year> Original Loan Amount : {$1400.00} Paid to Date : ~ {$3000.00} Current balance reported : ~ {$4800.00} APR : 500 % What resolution would you like? 

I request that Lendumo reduce the payoff balance to reflect only reasonable interest based on the amount borrowed and amount already paid, or forgive the balance entirely. I also request that they stop further attempts to collect unfair or excessive fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: SC

Complaint narrative:
I am disputing three collection accounts through Equifax for the third time, and I believe they are not being properly verified. 
XXXX. The XXXX XXXX XXXX ( XXXX ) account was deleted by XXXX on XX/XX/year>. I confirmed with an XXXX representative that the deletion was not due to timing, but because the furnisher either failed to verify or agreed to delete the account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection was removed by both XXXX  on XX/XX/XXXX and XXXX on XX/XX/XXXX, but Equifax continues to report it as valid and has denied my dispute multiple times. 
XXXX XXXX XXXX XXXXXXXX XXXX account was recently updated to paid in full on XXXX, even though I never made a payment. It is being disputed separately but Equifax still reports it as accurate, which I believe is false and unverified. 

These inaccurate accounts have already caused me to be denied for housing and are negatively affecting my credit score. I am requesting that Equifax be required to conduct a proper reinvestigation and provide validation for each account, or remove them as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I will try to be brief! I opened a dispute with the merchant XXXX XXXX XXXX about the Sweep Coins that I purchased at the end of XXXX that was removed from my account on XX/XX/XXXX. I purchased a package of gold coins ( which has no currency value ) and sweep coins ( that have a currency value. ) The merchants claim that the services were received in good condition is inaccurate. I have not received the services as the merchant terminated the use of its sweep coins feature abruptly. The merchant removed these coins from my account! The sweep coin was able to be redeemed for cash prize money. So removal of the sweep coin feature constitutes removal of the key feature of the purchase that I was expecting! The merchant also removed the ability for me to have access to my account which removed my ability to access the gold coins! So I lost both the gold coin feature which I paid for as well as the sweep coins that I paid for as well. The bank tried to say that I really only bought gold coins and never sweeps coins. This idea that you can market the core package in the photo attached and tell me the core feature that I as a customer am paying for is only to buy gold coins is patently absurd! Not only is there no point in gold coins as they have no conversion value the sweep coins has conversion value and so I would argue that the core package being sold when I make a purchase is for the sweeps coin package! It should also be noted that I have no access to my gold coins! Attached is some documents to defend my case. I attached my original dispute package and the rebuttal of the merchant. At the moment my dispute is 2 months old without any attempt to hear and read the material I have been sending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Control LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX l am writing in response to your letter because I do not believe I owe what you say 1 owe.

Being the first time I've heard from you on this matter and in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' Therefore, I request from you the following information : 1 - Name of creditor whom you say the debt is owed.

2 - Total amount of debt 3 - Copy of Contract or other verification bearing by signature.

4 - Proof that you are license to collect debts in the the state of <<UDF-08>> and copy of current bond on your company I am aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. therefore you can not add interest or fees except those allowed by the original contract or state law. Also, you do not have to respond to this dispute, but if you do, any attempt to collect this debt without validating it, violates the FDCPA.

1 am keeping accurate records ofthis and all communications with your company including the recording of all phone communications and I will not hesitate to advise [ my Congressman ] ] the State Attorney General and the FTC, I am hereby disputing this debt, therefore until validation, the information of this debt should be considered inaccurate. So, you must report to any Credit Bureau or Credit Reporting Agency that you deal with of my dispute with this debt.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
A XXXX  XXXX XXXX  that was XXXX  not XXXX  is still being reported on my credit report. This is misleading and harmful to my credit profile. A XXXX  XXXX  means the case was not completed and should not carry the same weight as a XXXX  one. 

I believe the credit bureau and/or furnisher is violating my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), which requires maximum accuracy, and 15 U.S.C. 1681b, which covers how and when information can be shared. Reporting this as a derogatory mark is unfair and does not reflect my true credit standing.

Im not using a credit repair agency Im submitting this complaint on my own behalf to correct inaccurate and outdated information that is hurting 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 2025-06-17 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: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-17 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: EAST WEST BANK
State: CA

Complaint narrative:
My name is XXXX XXXX and my address is XXXX XXXX. My account had XXXX deductions of {$390.00} on XX/XX/XXXX and {$220.00} on XX/XX/XXXX, which are not the money I need to pay.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 

I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for on the FTC REPORT PROVIDE as well. 

XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  FL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: Westlake Services, LLC
State: MS

Complaint narrative:
I am filing this complaint because Westlake Financial Services continues to report a balance on an auto loan account that should have been closed. The vehicle tied to this account was declared a total loss, and Westlake released their interest in it, as confirmed in a letter dated XX/XX/year>. Despite this, the account still inaccurately reflects a balance due on my credit report. 

Ive disputed this information with the credit bureau, providing the supporting release documentation, but the inaccurate reporting persists. This false information is negatively affecting my credit profile and is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and verifiable information be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: IN

Complaint narrative:
My Cash App account ( $ XXXX, {$2000.00} ) has been frozen since XX/XX/XXXX due to a UCC lien by XXXX, XXXX ( File XXXX XXXXXXXX, XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX, XXXX. ( notified XX/XX/XXXX, unresolved ), preventing all withdrawals for 3 years without any justice. I reported this on XX/XX/XXXX ( Ref : XXXX, closed ) and XX/XX/XXXX ( Ref : XXXX, closed XX/XX/XXXX ), requesting lien details, freeze XXXX, and fund access. I also sought creditor shift explanations ( emails XX/XX/XXXX, XX/XX/XXXX ) and resolution of a XX/XX/XXXX " security '' claim, but Cash App provided no substantive information, only deflecting to XXXX. This violates XXXX. The ongoing issue includes a 3-year delay, 20+ fraudulent Fundo filings, and significant losses : {$30000.00} revenue, distress. Demand {$32000.00} ( {$2000.00} + {$610.00} interest + {$30000.00} ) and redress pool inclusion. Additionally, XXXX is not the secured party, never contacted me before filing the UCC in Indiana, there was no judgment, and he can not act as a creditor or file a UCC lien in Indiana due to jurisdictional limitsits all fraud. Ive done extensive homework and believe this is very important ; Id love to speak with someone about my findings, as I think youd be interested. Thanks! Im willing to work on an out-of-court settlement to resolve this fairly. I have all my documents/supporting evidence from Cash App to substantiate my claim. I believe this freeze since XX/XX/XXXX may relate to current actions against Cash App for inadequate customer protection, and I request CFPB review in that context. Ive attached documents supporting thank you

Company response to consumer: Closed with explanation