vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
My Citizens Bank had direct deposits going into it through XX/XX/year> so I had no monthly fees. I went on XXXX  XXXX from my work at this time which allowed them to start charging a monthly fee. I forgot about this account and moved from my address, so I stopped receiving physical statements. For the next XXXX and a half years my account was slowly drained by the monthly fees until it went negative. Citizens made no attempt to contact me until my balance went negative, at which point they aggressively harassed me with emails, texts, and phone calls. I think they should have attempted to contact me after the mail become undeliverable or at least after XXXX year of account inactivity, instead of waiting until my balance went negative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 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:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-15 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:
I just found out that my XXXX XXXX opened up some accounts and used my name to apply for some accounts that are not mine. I did not authorize any of the following accounts to be opened up. I would like to dispute these accounts and I request them to be removed from my credit report. This is causing major issues in my personal life with my new girlfriend, please get this resolved asap.

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 2025-04-15 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: CA

Complaint narrative:
I just found out that my XXXX XXXX opened up some accounts and used my name to apply for some accounts that are not mine. I did not authorize any of the following accounts to be opened up. I would like to dispute these accounts and I request them to be removed from my credit report. This is causing major issues in my personal life with my new girlfriend, please get this resolved asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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:
Experian Credit Reporting Agency are reporting accounts tied to debts that have either been settled by a Bill of Exchange, derecognized through accounting standards, or charged off by the creditor. When I disputed these items, each bureau failed to provide verification or documentation as required under 15 U.S.C. 1681i and 1681i ( a ) ( 7 ). They have refused to explain how they determined the debts were valid and remain on my report, despite my formal notice and documentary evidence. This constitutes a willful violation of the Fair Credit Reporting Act. I request that CFPB hold each bureau accountable for their failure to comply with federal law, require removal of unverifiable tradelines, and conduct oversight into their dispute resolution systems.

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 2025-04-15 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: NM

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I recently got sick this company called my XXXX  and to give him the details of the collection, which I have nothing to do with my XXXX  and but he new all the details on the account he stated the woman on the phone gave him the information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing this complaint regarding the sudden and unexplained closure of my Cash App account, operated by Block , Inc. and managed through a partner bank. I was not provided with clear notice, a specific reason for the account termination, or a fair opportunity to address any alleged issues. This has resulted in restricted access to my funds and financial services, causing undue personal and financial hardship.

Despite multiple attempts to resolve this matter through Cash Apps support channels, I have not received a satisfactory explanation, the return of my funds, or the opportunity for proper dispute resolution.

Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 CFR 1005 ), consumers are entitled to timely notice of account restrictions or closures, a fair error resolution process, and access to their funds. The CFPBs Prepaid Rule ( 12 CFR Part 1005, Subpart B ) also requires fair handling of prepaid financial accounts and proper disclosure of account limitations. Additionally, the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) prohibits financial service providers from engaging in unfair, deceptive, or abusive practices.

I respectfully request the CFPBs assistance in facilitating : A full explanatio
n for the closure of my Cash App account.

Immediate release or return of any remaining funds. 

A formal review of the decision, with the opportunity to appeal or resolve any disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
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 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 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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 2025-04-15 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: PA

Complaint narrative:
Subject : Request for Goodwill Adjustment Dear Credit Reporting Department, I hope this letter finds you well. I am writing to respectfully request a goodwill adjustment concerning a recent late payment that has been reported on my credit file for the above-referenced account.

My account was set up on auto-pay, and the required funds were in my bank account at the time the payment was due. However, the payment was returned without my knowledge. I was unaware of this issue until I received a call from XXXX XXXX. Upon being informed, I promptly submitted the payment and confirmed that the auto-pay function was properly set up and active. We were unable to determine the cause of the payment issue, but it was not due to any action or negligence on my part.

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 2025-04-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent Equifax a Method of Verification letter and it was delivered successfully on XX/XX/XXXX they received it .. They have not responded at all and My Credit report is still negative and inaccurate.Due do the FCRA Laws they have 15 days to respond, My next move is to sue .. They are Not doing the work at all.Due to Data breach my information has been hacked and leaked and due to all the inaccurate Data.Due to FTC Report I also asked them to take down inaccurate addresses.Have disputed to many times with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I purchased a car from XXXX XXXX XXXX in the XXXX  XXXX, TX in late XX/XX/XXXX. Along with the vehicle I purchased an extended warranty through XXXX. I used Ally as my lender. I called to cancel the warranty on XX/XX/XXXX only to find out that the dealership had not paid the warranty and my contract with XXXX  was rejected and never activated, essentially making the {$5400.00} I paid for the warranty useless. Ally said they can not help me and XXXX XXXX XXXX is now closed and the owner is declaring bankruptcy while maintaining another XXXX XXXX business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: SC

Complaint narrative:
I am filing this complaint as XXXX XXXX regarding XXXX # XXXX. My wife, XXXX XXXX, passed away. I am the surviving joint tenant listed on the property deed and have been appointed the executor of her estate. I have been trying to get the mortgage updated to reflect my legal status as the sole property owner. 

I submitted all requested documents to RoundPoint, including : Her death certificate My drivers license The deed showing joint tenancy Her will The certificate of appointment from the probate court My Social Security card Since then, I received XXXX emails confirming the documents were received. However, when I called again today ( XXXX business days after submitting them ), I was told that none of the documents can be seen in their system. The representative then gathered my information again and informed me that the process XXXX now take up to XXXX business days. 

Every time I call, I receive vastly different answers from missing documents, to no clear next steps, to a hidden department I cant speak to directly. I have been calling frequently, and this lack of transparency and shifting responses is preventing me from resolving something as basic as updating a mortgage to reflect the rightful surviving owner. 

I have been paying the mortgage and handling this process in good faith. I am requesting the CFPB 's help to : Ensure RoundPoint acknowledges all submitted documents Provide consistent communication and a real timeline Update the mortgage to reflect me as the surviving legal property owner At this point, it feels like RoundPoint is creating unnecessary barriers to avoid completing this update. I just want my name on the mortgage so I can manage the property properly and move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
Re : Complaint against Experian for Inaccurate Information on Credit Report I am writing to submit a complaint against Experian for inaccurate information on my credit report. Specifically, I am disputing the information related to XXXX XXXX XXXX XXXX XXXX Mortgage account # XXXX, which was opened on XX/XX/XXXX and has a balance of {$0.00}. 


Inaccurate Information On XX/XX/XXXX, this account was no longer reporting on my credit report. However, on or about XX/XX/XXXX, the account was reinserted with a 30-day late payment reporting for XX/XX/XXXX. The account was later updated to show a XXXX late payment for XX/XX/XXXX. Most recently, on XX/XX/XXXX, I pulled my credit report and saw that the account is now reporting 30 days late for XX/XX/XXXX. 


Sham Investigation Each time the account information was updated, it was " Verified as accurate ''. However, the constant changes to the delinquency date and the reinsertion of the account after it had previously been removed suggest that Experian 's investigation is a sham. 


Retaliation I believe that Experian is retaliating against me by reinserting the account and continuing to change the delinquency date to more recent dates. This behavior is unacceptable and suggests a lack of good faith effort to correct errors on my credit report. 


FCRA Violations Experian 's actions appear to violate several provisions of the Fair Credit Reporting Act ( FCRA ) : Failure to Conduct a Reasonable Investigation ( FCRA 611 ) : Experian failed to conduct a reasonable investigation into my disputes.

Failure to Correct or Delete Inaccurate Information ( FCRA 611 ) : Experian failed to correct or delete the inaccurate information on my credit report.

Reinsertion of Previously Deleted Information ( FCRA 611 ) : Experian reinserted the previously deleted account information without my consent or notification.

Retaliation against Consumers ( FCRA 611 ) : Experian retaliated against me by reinserting previously deleted accounts and continuing to change the delinquency date.

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 2025-04-15 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-15 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: IL

Complaint narrative:
I would be grateful if you could promptly eliminate the fraudulent entries from my credit report given the circumstances and take the necessary steps to rectify any inaccuracies or fraudulent actions. I've attached documentation from the appropriate authorities to support my claims.

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 2025-04-15 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: NY

Complaint narrative:
On XX/XX/year>, a hard inquiry from XXXX XXXX XXXX appeared on my Experian credit report, along with inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX, all on the same day and linked to the same dealership activity. 

I never contacted or visited XXXX XXXX XXXX, never signed a credit application, and never gave permission to have my credit pulled. I only consulted with a different XXXX dealership ( XXXX XXXX ) and did not authorize any inquiries to be submitted to or by XXXX XXXX XXXX or their lenders. 

I previously filed a complaint with XXXX XXXX XXXX, who responded saying they have no record of an inquiry under my name, yet the inquiry still shows on Experian. This strongly suggests the inquiry was either mislabeled or submitted inappropriately through a shared system with XXXX XXXX. 

These inquiries were made without my knowledge or consent and are now impacting my credit profile. I am requesting full deletion and an explanation of how these inquiries were submitted and by whom.

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 2025-04-15 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: OH

Complaint narrative:
I had cash app account and actually loved it till money was stolen from my account. When I realized this was actually an on going theft I called to have an investigation opened. The investigation proved that I was right and that wrong doing was done to my account. My money was never returned instead they shut my account down and punished me like I stole my own money! This affected my life negatively and at a bad time. I even tried to appeal the decision letting them know they shut my account down! I even tried to open a new one which was denied! My money was stolen and I got punished for it! The account this happened on is still open i just can't use it. I also bought stock through cash app and no way to get that money back either! This is so wrong and I see they have done this same thing to many many others! Return my money and my stock! 
XXXX XXXX 4-15-25

Company response to consumer: Closed with explanation