vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I FOUND NUMEROUS INQUIRIES FROM CREDITORS WHO I DO NOT GIVE MY PERMISION TO PULL MY CREDIT REPORT. THESE INQUIRIES ARE FRAUDULENT. PLEASE REMOVE THES FRAUDULENT INQUIRIES FROM MY CREDIT REPORT. 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

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 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 2025-05-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have a American Express prepaid card that I'm not able to spend the money in it. 

I tried XXXX times in total including XXXX order of {$400.00} with XXXX on XX/XX/XXXX, XXXX orders of {$210.00} and {$230.00} with XXXX on XX/XX/XXXX, and XXXX order with Marmot of {$280.00} on XX/XX/XXXX. 

My card balance is {$600.00} and all orders got declined. I called American Express, their auto reply says it's because the merchants can not verify the prepaid card. I also called XXXX but they can do nothing, I had to use a different card to pay for my orders. 

I googled where I could spend my money but no luck so I decided to submit a complaint here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-18 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
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 2025-05-18 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Ive sent each credit bureau multiple letters and dispute in the fact that there is a charge off on my credit report that wasnt supposed to be there as well as I told him I let them know that it was identity theft also, there were reporting inaccurate information on all my credit reports and Ive gave the credit bureaus multiple chances to remove it, but they refuse to and send me stall letters And they refuse to do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: Block, Inc.
State: LA

Complaint narrative:
Made purchase on card from XXXX and didnt recieved my purchase made purchase on XX/XX/year> and company sent XXXX  tracking number for delivery to unknown address not my address and I tried reaching out to them to inform but they wouldnt respond package says delivered but to the address other than mine business still wont respond to my messages

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XXXX XXXX I receive a letter of Notice of Default from XXXX XXXX I am currently running approximately XXXX  days behind on my mortgage. Last fall I had a XXXX and because of medical bill and etc. I got behind. I continue to make monthly payments but not able to do a big catch up. So I called us bank. The representative was very nice and helpful. Was told they could redo the mortgage, it would go up XXXX percentage point on the rate increasing my monthly payment by {$260.00} a month and add little over XXXX  years to my mortgage. {$260.00} for XXXX  years would be {$90000.00} and the extra XXXX  years of mortgage would be {$91.00}, XXXX ( this is payment which does include escrows ) but for this so I can explain where I am coming from and just using the payment amount instead of tying to find the XXXX XXXX XXXX amount. So {$180000.00} Assuming no early payments or refinance. While steep I understand because of interest and amount of time. Was told that they would submit the paper work and should hear back with next steps soon. I was agreeable and appreciative to at least have a path to cure this. 

Friday XX/XX/year> at approximately XXXX XXXX a different representative called. Right away seemed very rushed. XXXX speaking quickly about that it had been approve for the XXXX XXXX  rate increase at the {$260.00} a month and stated a month and year of maturity. Then said paper work was in the mail and thank and was latterly trying to hang up with in XXXX seconds ( the call logged at XXXX minutes and XXXX seconds ) and they did go and question .. and I said yes, I wasnt at home and did catch how many years this this would be. She said XXXX years. When I said that was not what I was told early in the week and before I could continue, she said I am cutting you off right there It does not matter this is what the mortgage is approved for. So. {$260.00} for XXXX years would be {$90000.00} and the extra XXXX XXXX  of mortgage would be {$540000.00}. ~ {$630000.00} for XXXX XXXX  behind. 

I am filling this because I feel the switch in XXXX XXXX XXXX XXXX XXXX  additional is very deceptive and / or predatory of a older veteran that is behind but making regular payments now

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was reviewing my credit report from all credit reports and noticed there are incorrect addresses. I asked for it to be removed from XXXX and also that Lane Bryant remove the address the reported as mine. Lane Bryant said it does not make a difference in addresses and will not effect my credit. I have never lived in apartment in my life and not in XXXXXXXX XXXX. Since moving to XXXX I have always lived at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I think my daughter lived there at one point, but I own my home in XXXX XXXX. Experian said if Lane Bryant will not remove then it stays but that is incorrect information. Also on my experian credit report I have over 13 different incorrect names listed and they will not remove. I have had 2 names in my life, XXXX XXXX XXXX and XXXX XXXX XXXX. I want the 13 names removed, they did not verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I signed a contract with XXXX XXXX Doors for glass shower doors. In the same email thread as my signed proposal, I received an email to send the money via XXXX. I paid the deposit and then called the company. They did not receive the money. it was someone else who requested the money. 

i contacted PNC Bank and filed a claim that this was not the authorized comopany. They denied my request to refund the money on XX/XX/year>. I called again and asked them to review the claim. PNC Bank again denied the claim on XX/XX/year>. 

the amount paid was {$2400.00}. The name of the person is XXXX XXXX and the money was sent through XXXX so this person obviously has or had an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: AZ

Complaint narrative:
XXXXTo Whom It May Concern,XXXX accordance with the Fair Credit Reporting Act (FCRA), I am formally disputing the accuracy and legitimacy of the following account(s) being reported on my consumer credit file. The accounts listed below appear to have violated my federally protected rights to privacy and confidentiality under 15 U.S. Code  1681.XXXXAccounts in Dispute: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 XXXXLegal Basis for My Dispute:\n1.15 U.S.C.  1681 Section 602(a): This section affirms that every consumer has the right to privacy and that consumer reporting must be done in a fair and equitable manner. Reporting accounts without proper verification violates this right.\n2.15 U.S.C.  1681b(a)(2): No consumer reporting agency may furnish a report containing my personal account information unless permitted by law or with my written consent.\n3.15 U.S.C.  1681c(a)(5): This provision prohibits the inclusion of adverse information (excluding criminal convictions) older than seven (7) years from the date of the report.\n4.15 U.S.C.  1681s-2(a)(1)(A): A furnisher of information is prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies and must ensure all information is complete and accurate.XXXXResolution Requested:XXXXGiven the violations listed above and the lack of my written consent for continued furnishing or reporting of these items, I respectfully request that you:XXXXDelete the following accounts immediately from all of my credit reports across all bureaus (Equifax, TransUnion, Experian). These accounts have negatively impacted my credit profile and were reported in violation of federal law.XXXXPlease conduct a formal investigation and provide me with written confirmation of the outcome of this dispute. If these accounts are not verifiable in accordance with FCRA standards or if the furnisher fails to respond within the allotted time, they must be permanently removed from my credit file.\n\nThank you for your prompt attention to this matter.\n\nSincerely,XXXX XXXX XXXX XXXX XXXX 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 2025-05-18 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: AZ

Complaint narrative:
XXXXTo Whom It May Concern,XXXX accordance with the Fair Credit Reporting Act (FCRA), I am formally disputing the accuracy and legitimacy of the following account(s) being reported on my consumer credit file. The accounts listed below appear to have violated my federally protected rights to privacy and confidentiality under 15 U.S. Code  1681.XXXXAccounts in Dispute: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 XXXXLegal Basis for My Dispute:\n1.15 U.S.C.  1681 Section 602(a): This section affirms that every consumer has the right to privacy and that consumer reporting must be done in a fair and equitable manner. Reporting accounts without proper verification violates this right.\n2.15 U.S.C.  1681b(a)(2): No consumer reporting agency may furnish a report containing my personal account information unless permitted by law or with my written consent.\n3.15 U.S.C.  1681c(a)(5): This provision prohibits the inclusion of adverse information (excluding criminal convictions) older than seven (7) years from the date of the report.\n4.15 U.S.C.  1681s-2(a)(1)(A): A furnisher of information is prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies and must ensure all information is complete and accurate.XXXXResolution Requested:XXXXGiven the violations listed above and the lack of my written consent for continued furnishing or reporting of these items, I respectfully request that you:XXXXDelete the following accounts immediately from all of my credit reports across all bureaus (Equifax, TransUnion, Experian). These accounts have negatively impacted my credit profile and were reported in violation of federal law.XXXXPlease conduct a formal investigation and provide me with written confirmation of the outcome of this dispute. If these accounts are not verifiable in accordance with FCRA standards or if the furnisher fails to respond within the allotted time, they must be permanently removed from my credit file.\n\nThank you for your prompt attention to this matter.\n\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : I do not have late payment in the following accounts but they are reporting in Experian and Equifax Creditor Name Account Number Balance Past Due Monthly Payment Opening Date Status XXXX XXXX Experian Equifax XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX 30 days late ( 2 ) 30 days late ( 2 ) 30 days late ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 30 days late ( 2 ) 30 days late ( 2 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 30 days late ( 1 ) 30 days late ( 1 ) 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-18 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: FL

Complaint narrative:
I have sent in several disputes to Experian as well as asking for proper documents supporting their actions. I have yet to receive anything from them. I've called and spoke with their agents also. Experian is displaying false information about me on my credit report. Several wrong address 's, false inquiries and the list goes on.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : I do not have late payment in the following accounts but they are reporting in Experian and Equifax Creditor Name Account Number Balance Past Due Monthly Payment Opening Date Status XXXX XXXX Experian Equifax XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX 30 days late ( 2 ) 30 days late ( 2 ) 30 days late ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 30 days late ( 2 ) 30 days late ( 2 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 30 days late ( 1 ) 30 days late ( 1 ) 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 redressfor these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
In XXXX, I canceled a vehicle service contract on my XXXX XXXX XXXX. The XXXX dealership ( under XXXX XXXX XXXX ) gave me a written estimate of a {$2200.00} refund, which they stated would be sent to my lienholder to apply to my auto loan balance. I also filed a XXXX XXXX claim, and the dealership said XXXX would cover the rest after applying the refund. 

Later, the dealership told me that the refund estimate was an error and that no refund was actually available. This change was not communicated to XXXX or my lienholder. Because of that, XXXX only covered the loan balance minus the expected refund amount, leaving me responsible for the remaining balance. 

For the past two years, the dealership has repeatedly claimed they were working on the issue or communicating with XXXX to resolve the difference, but no real action was taken. Now, the leftover amount has gone to collections and dropped my credit score by over XXXX points even though this was caused by the dealerships mistake in issuing an inaccurate refund estimate. 

This situation has caused long-term financial and credit harm, and Ive been misled throughout the process with no resolution. I am seeking help to correct this error and remove the collection from my credit report.

Company response to consumer: Closed with explanation