vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX 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 2025-06-07 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: TX

Complaint narrative:
To Whom It May Concern, I recently received a copy of my credit report and noticed several inaccuracies, unauthorized accounts/information and charge offs reporting to my credit report. These remarks have been detrimental to my life and credit health. According to 15 usc 1681, I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiples times with credit bureaus and its coming back as updated and verified without a proper investigation. The company failed to send me any of the information, I requested, even with my other complaint they never sent verification on debt, the original Contract bearing signature & explanation of the amount and how it was calculated. 



I am writing to file a formal complaint regarding inaccurate information being reported on my credit file by Experian / Equifax / TransUnion. Despite my efforts to resolve this directly with the credit bureau and/or the data furnisher, the issue remains unresolved, and the inaccurate information continues to negatively impact my credit report. 


Credit Bureau Involved : Experian XXXX Equifax / TransUnion NEGATIVE ACCOUNTS ARE : TransUnion : XXXX XXXXXXXX, Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX I submitted a formal dispute with Experian / Equifax / TransUnion and included the appropriate supporting documentation XXXX The bureau responded on XX/XX/year> However, they failed to correct or remove the inaccurate item, despite clear evidence. I resubmitted on XX/XX/year> and The credit bureau responded on XX/XX/year>. I resubmitted a XXXX time on XX/XX/year> and they responded back on XX/XX/year>. 

This situation is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy and integrity of the information they report. Their failure to conduct a reasonable investigation and correct the error is unacceptable and damaging to my credit standing. 


Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WSFS FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened a checking account at WSFS XXXX, and I funded the account with about {$3000.00} of my own funds. The day after I funded this account, I noticed that online banking was locked. I called customer service, who told me that my entire account was locked, my funds were frozen completely, and that there was nothing I could do. They told me that transactions on my account were suspicious. I immediately provided proof of source of funds for the initial money that I put into the account. Despite this, they advised me that it will take weeks for their fraud team to investigate and to determine if I will regain access to my funds. Considering that I have provided two forms of identity verification and proof of source of funds, the freeze on my account and money is entirely baseless.

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 2025-06-07 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 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 explanation
Consumer complaint received 2025-06-07 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jacob Law Group, PLLC
State: MS

Complaint narrative:
I had a credit card with XXXX XXXX XXXX they advised that I would have the fees and other late fees taken off the balance and I would be given the chance due to hurricane issues in my area and would pay a small payment with no fees til the balance was paid off in full but my account was not fixed as promised all fees stayed on my account and I was never given the min payment with the payment terms due to hurricane disaster relief they referred me to XXXX and then XXXX got an attorney so now 3 people are after one debt never saw where 3 agencies after one bill at the same time as of todays date none of the payment arrangements nor the fees have been taken off the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
My information has been leaked in a data breach. I have collection on my credit report that should not be on there. the collections says my account is open. The collection bought the accounts from another company and is saying I own them. I asked them for a contract between me and them with my signature and they have not sent me it. They cant because there is no contract between me and then so why are they coming after me. I dont own them anything. They have messed my credit up and I need help please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: LA

Complaint narrative:
In XX/XX/XXXX, I signed for an auto loan through XXXX/Bridgecrest. The paperwork I reviewed at signing listed my payments as {$280.00} twice a month about XXXX XXXX monthly. Thats what I agreed to and planned for. At no point was I told or shown that the actual scheduled payment would be {$630.00} per month. 

I only found out the true payment amount months later by reviewing my credit report not through billing communication, statements, or the customer portal. This loan is structured as simple interest, but despite over two years of consistent payments including a {$2000.00} lump sum early in the loan my balance has increased, not decreased. As of XX/XX/XXXX, I still owe over {$22000.00}, more than my original balance of {$21000.00}. 

I requested clarification from Bridgecrest, including an explanation of how payments are applied and why my balance has grown. I also asked to adjust the billing frequency to match my biweekly pay schedule. Instead of actual support or documentation, I was told to just pay an extra {$50.00} a month. 

Adding to the lack of transparency, the Bridgecrest customer portal does not provide access to any signed loan documents, payment breakdowns, or amortization schedules. I can not even verify for myself what I signed or how the loan is structured. Thats unacceptable. 

This feels like predatory lending. The terms were unclear, the communication is vague, and the structure makes it nearly impossible to get ahead. Im asking the CFPB to investigate this loan, require Bridgecrest to audit the account and payment history, and hold them accountable for deceptive lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am writing to formally dispute XXXX accounts currently listed in collections on my credit report. These accounts are negatively impacting my credit score, and I was never made aware of them. I did not receive any prior notification, bills, or collection letters regarding these debts, and I was not given the opportunity to resolve them before they were reported. 

This lack of communication is a direct violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under XXXX XXXX XXXX XXXX ( a ) of the FDCPA, a debt collector must send a written notice containing the amount of the debt and the name of the creditor within XXXX days of the initial communication. Additionally, under XXXX XXXX XXXX XXXX of the FCRA, furnishers of information are required to report accurate information and to correct or delete inaccurate information after a dispute is raised. 

Because I was never informed of these debts and received no validation or verification of them, I believe these accounts were reported in violation of federal law. I am requesting that these accounts be thoroughly investigated and, if proper procedures were not followed, that they be removed from my credit report immediately. 

Please provide written confirmation of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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.

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 2025-06-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: KY

Complaint narrative:
I am filing this complaint due to serious mishandling of a fraud dispute by Cash App ( Block , Inc. ). 

I disputed XXXX unauthorized transactions on my Cash App account from a merchant named Advantage Auto Sales. Cash App refunded only XXXX of the XXXX, claiming the remaining XXXX were authorizedeven though I did not make or approve them. 

I escalated the matter and even provided a signed letter directly from the merchant, XXXX XXXX XXXX, confirming that I was not the person who made those charges. Despite this clear evidence, Cash App responded by saying they are taking no further action. 

In addition, they required identity verification, which I completed by submitting my drivers license. Shortly after, they closed my account and sent me a file claiming to support their decision. The file was nothing more than a generic list of all my transactionsnot an investigation summary or evidenceand it had no signatures, no authorization details, and was addressed to someone named XXXX. My name is XXXX XXXX, and they clearly had my correct ID on file. 

At this point, Cash App has ignored merchant confirmation, mishandled my personal data, and failed to follow proper dispute resolution procedures under Regulation XXXX. 

My cashapp tag is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: SC

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 XXXX 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 XXXX 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 2025-06-07 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: SC

Complaint narrative:
RE : Formal Request for Method of Verification & Reinvestigation File # : XXXX To Whom It May Concern, I am writing in reference to File # XXXX, concerning the results of a dispute I submitted, with your response received on XX/XX/year>. The items in question remain in dispute and are as follows : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX / XXXX  Your response indicated that these accounts were verified as accurate. However, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting the following : 1. A reinvestigation of both accounts under 15 U.S.C. 1681i ( a ), as I continue to dispute the accuracy and completeness of the reported information.

2. A detailed description of the method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), including : The name, address, and telephone number of each furnisher that verified the disputed accounts ; Copies of any documentation or records used in your verification process, including any applications, agreements, any & all tax forms such 1099s series filed with IRS or assignments supplied by the furnisher ( s ).

Please note : A generic statement from the furnisher indicating that the information is accurate does not satisfy the verification requirements under the FCRA. You are required to provide the actual procedure and documentation used to verify these accounts.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the disputed information can not be verified, it must be promptly deleted from my credit 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 non-monetary relief
Consumer complaint received 2025-06-07 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
THE ACCOUNTS IN QUESTION DO NOT BELONG TO ME THEY WERE NOT AUTHORIZED BY ME, THEY WERE CREATED DUE TO FRAUD FOR THAT REASON ALONE THEY MUST BE REMOVED PER 15 USC 1681 B. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF STOPPED BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719N I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT IN FACT EXISTS.

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 2025-06-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To whom it may concern : I am writing to formally request the removal of the following hard inquiries from my XXXX  credit report, which I do not recognize nor recall authorizing : BK OF AMER Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX These inquiries were not authorized by me, and I am concerned about the potential negative impact on my credit score. Under the Fair Credit Reporting Act ( FCRA ), any inquiry made without my prior consent must be removed.

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 2025-06-07 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: OneMain Finance Corporation
State: CA

Complaint narrative:
To whom it may concern : I am writing to formally request the removal of the following hard inquiries from my Experian credit report, which I do not recognize nor recall authorizing : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX These inquiries were not authorized by me, and I am concerned about the potential negative impact on my credit score. Under the Fair Credit Reporting Act ( FCRA ), any inquiry made without my prior consent must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom it may concern : I am writing to formally request the removal of the following hard inquiries from my XXXX  credit report, which I do not recognize nor recall authorizing : XXXX OF XXXX Inquired on XX/XX/XXXX CAP XXXX NA Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX WELLS FARGO Inquired on XX/XX/XXXX These inquiries were not authorized by me, and I am concerned about the potential negative impact on my credit score. Under the Fair Credit Reporting Act ( FCRA ), any inquiry made without my prior consent must be removed.

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