vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TN

Complaint narrative:
I called Mohela on XXXX in regards to XXXX different refunds that I have never received for the amounts of {$210.00}, {$2300.00} and {$3000.00}. I was advised to allow XXXX days for the issue to be resolved. I called back after that timeframe still no information has been updated or provided. Then on XXXX and escalation was submitted and I was advised to allow another XXXX days. Its now XXXX and my tickets still have not been assigned to anyone and no one has any updated information to provide to me.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MORGAN STANLEY & CO. LLC
State: NV

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX  had me upload 2 forms of IDs to get my account unrestricted, I was told it would take 48 hours for my account documents to get reviewed by the account activation team, to get my account unrestricted so i can make account have a XXXX balance so i can close my account. On XX/XX/year> i was told that account activation team will no longer be able to assist with my account and someone from the back room would be calling me and assisting me with my account. I was told that i should call the issuer of my check deposit and tell them to put a stop payment on the check that has been in my account for 3 weeks. XXXX XXXX XXXX has constantly been giving me the run around since the day i opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
For over three years, I have been attempting to update my legal name on my Cash App account, following a legal name change that occurred in 2022. Despite my consistent efforts and full compliance with Cash App 's stated policies, my legal name has not been corrected, and my support cases are repeatedly closed without resolution.

Upon my legal name change in 2022, I promptly initiated contact with Cash App customer support to update my account information. As per their requirements, I submitted all requested personal and private legal documents, including : Clear images ( front and back ) of my current, government-issued identification reflecting my new legal name.

A selfie holding my new government-issued ID.

Official legal name change documentation from the Social Security Administration, verifying my new legal identity.

I have engaged with Cash App support on numerous occasions over the past three years. Each time, I meticulously provided the requested documentation. However, in every instance, the support cases have been closed without my legal name being updated on my account, and without a clear explanation for their failure to do so. I have an extensive record of these communications, including dates and case numbers, which I can provide as supporting documentation. 
Crucially, within the Cash App application itself, my identity is stated as " verified. '' The app explicitly tells me that my information and identification have been confirmed, indicating that Cash App has successfully processed and accepted the very documents that confirm my current legal name. Their continued failure to update my name despite this internal verification is a direct contradiction of their own policies and the purpose of identity verification for a financial service.

This situation has caused significant stress and concern. I have submitted highly sensitive, private legal documents to Cash App, and I have no transparency regarding where these documents are stored, how they are being used, or why they have not resulted in the necessary update. This raises serious questions about data security and the proper handling of my personal information by Cash App. Furthermore, having an incorrect legal name on a financial service account can lead to issues with tax reporting ( e.g., 1099-K forms ) and other future financial discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: IA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am submitting this complaint against TransUnion LLC due to inaccurate information appearing on my credit report. Despite my attempts to dispute this information directly with TransUnion, the issue remains unresolved. 

Specifically, the credit report include that this account doesnt belong to me. I submitted a formal dispute with supporting documentation to TransUnion on XX/XX/year>, but they failed to properly investigate and correct the error. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to investigate consumer disputes and ensure the accuracy of the information they report. I believe TransUnion has not fulfilled its legal responsibilities in this case. 
I am requesting the CFPBs assistance in compelling TransUnion LLC to : 1. Conduct a thorough reinvestigation of the disputed item ( s ).

2. Remove or correct the inaccurate information from my credit report. 
XXXX. Provide written confirmation of the resolution. 

Thank you for your assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI 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 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several inaccuracies on my report that the investigation did not fix

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 2025-07-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
XXXX XXXX of XXXX XXXX was closed due to several fraud cases and lawsuits. This should be taken in to consideration and should be removed from my credit report. The debit should be dismissed.

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 2025-07-21 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at 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 DEPT OF EDUCATION XXXX XXXX XXXX THERE IS MULTIPLE ACCOUNTS REPORTING REMOVE ALL OF THEM. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud DUE TO SEVERAL DATA BREACHES that over XXXX XXXX US CITIZENS were impacted by

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at 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 DEPT OF EDUCATION XXXX XXXX XXXX THERE IS MULTIPLE ACCOUNTS REPORTING REMOVE ALL OF THEM. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud DUE TO SEVERAL DATA BREACHES that over XXXX XXXX US CITIZENS were impacted by

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputes to TransUnion, Equifax, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputes to TransUnion, Equifax, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2025-07-21 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: MI

Complaint narrative:
I am filing this CFPB complaint because i have inaccurate information reporting to my consumer FICO credit report. This inaccurate information is coming from a creditor called XXXX XXXX XXXX. I have previously disputed this account and it was removed twice. This account has been added back on my credit report showing 2 of the same accounts on my Equifax credit report. Both accounts have different open dates that are in question one account say open XX/XX/year> and the other account say open XX/XX/year>. Both accounts have different last payment dates one account say last payment was XX/XX/year> and the other account last payment say XX/XX/year>. Both accounts have the same account number and balance reporting on my Equifax credit report. This account have been very damaging to my credit report because it has a-lot of inaccurate information reporting. 
Please see all attachments including FTC Identity theft report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On Wednesday XX/XX/year> I contacted TD bank customer services and informed them that I wanted to opt out of overdraft protection. I was told to visit a bank branch in order to delete the overdraft protection currently on my account. I promptly visited the TD bank branch located at XXXX XXXX XXXX XXXX XXXX. At that time I was positively assured that I would no longer have overdraft protection. I explained that I was rerouting the pathway to pay my bills, and in the process I was informed by the agency, that I may have a difficult time with TD bank because they have a reputation for trying to force overdraft protection on it's customers and this is why I was so concerned. I subsequently made two follow calls to TD bank customer service, each time being assured that I no longer had overdraft protection, however, they refused to give me anything in writing. 

Today XX/XX/year> my account has a negative overdraft balance by more than {$100.00}. I called TD bank customer service again and protested that they are forcing me to accept overdraft protection against my wishes. TD bank refuses to honor my request and IS actually forcing me to have overdraft protection. A supervisor informed me of this by saying that overdraft protection is with held only when possible but could not specify the circumstances in which this occurred nor could he assure me that it would not continue happening in the future. Banking rules do not allow for banks to force overdraft protection on customers who don't want it. TD bank apparently has chosen to ignore those rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: ID Analytics, Inc.
State: TX

Complaint narrative:
My Number & email are not correctly listed into my credit report I only have 1 email and 1 phone number at the moment everything else listed under my Credit Report is not me! 

My Current & only information that should correlate to my credit report is this # XXXX and my email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CBC Companies, Inc.
State: TX

Complaint narrative:
My Number & email are not correctly listed into my credit report I only have 1 email and 1 phone number at the moment everything else listed under my Credit Report is not me! 

My Current & only information that should correlate to my credit report is this # XXXX and my email XXXX XXXX

Company response to consumer: Closed with explanation