vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
I am writing to formally submit a new claim regarding the unauthorized transactions originally reported under CFPB XXXX # XXXX. I am reopening this matter due to the following : My previous claim was closed without giving me the opportunity to provide new and relevant evidence that supports my position. 

I am now including that evidence with this new claim. This includes documentation from the merchant clearly showing that the disputes were resolved in my favor, as well as confirmation of a negative balance in the merchant 's account as a result of the refund issued to me. 

SoFi Bank never provided any documentation or evidence to support the decision to deny my original claim. No official explanation or proof was shared, despite my repeated requests. 

The original claim was filed due to unauthorized charges. The documentation now being submitted confirms that a refund was processed on the merchants side, yet I never received that money back into my account. 

I respectfully request that this new claim be reviewed thoroughly, and that all attached evidence be taken into account. I look forward to a fair and prompt resolution of this matter. 

Please confirm receipt of this claim and let me know if any further documentation is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: PA

Complaint narrative:
I am formally requesting an investigation and removal of a XXXX XXXX account XXXX on my credit report with the account number ending in XXXX. The account is reported multiple times across Experian ( as both ComenityCapital/Sephora and XXXX ) XXXX and inconsistently across TransUnion and Equifax. These entries are riddled with inaccuracies, inconsistencies, and violations of the Fair Credit Reporting Act ( FCRA ). 

Violations include : Duplicate reporting of the same account under different names. 
Conflicting account types, labeled both as a revolving account and a charge card. 
Inconsistent and unverifiable payment history, with some reports showing no payment data yet marking the account as charged-off. 
Misleading balance reporting, showing {$0.00} balances but still labeling the account as charged off. 
Lack of original creditor identification, in violation of FCRA 611.

Contradictory " Purchased by another lender '' status, while the original furnisher continues to reporta potential FCRA 623 violation.

Continued reporting and updates after account closure without consumer consent or active balance, suggesting possible account re-aging.

These inaccuracies are severely damaging my credit score and have caused financial and emotional hardship. Under FCRA 623 ( a ), data furnishers must report accurate and complete information. These violations directly breach that requirement.

I am requesting : Immediate deletion of all entries related to this account across all credit bureaus.

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 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I am submitting this complaint because I am currently unable to open a new bank account due to multiple previous accounts that were closed with a negative balance. These accounts are being reported to consumer reporting agencies like XXXX and/or XXXX XXXX XXXX by the following banks : Ally Bank While I acknowledge that some of these accounts may have had negative balances, I was not properly informed of the closures or final balances owed in several cases. I was also not provided a clear breakdown of the charges or adequate opportunity to resolve the issues before the accounts were closed and reported. 

These unresolved or unverified reports are now preventing me from opening any new checking or savings accounts, which is severely impacting my ability to manage money, receive direct deposits, and pay bills. 

I am requesting that a full investigation be conducted into the accuracy and validity of these reports. I also request that I be provided with any documentation that proves the final amounts owed, transaction history, and communication regarding the account closures. 

If these debts can not be verified or if the reporting banks can not provide proper documentation, I respectfully ask that the negative reports be removed from my consumer 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 2025-04-09 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: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Request for Correction of Inaccurate Personal Information in Credit Reports Experian, TransUnion, and Equifax To Whom It May Concern, I am writing to file a formal complaint under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding inaccurate personal information being reported by the credit reporting agencies Experian, TransUnion, and Equifax. 

Inaccurate personal information identified in my reports includes : Incorrect name ( XXXX ) XXXX XXXX Incorrect address ( es ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Other : XXXX I am enclosing copies of my current credit reports showing the inaccurate information, as well as documents verifying my identity ( government-issued ID, Social Security card , and a recent utility bill ). 

I have previously contacted the credit bureaus mentioned above to request corrections, but either did not receive a response within the legally required timeframe, or the reported information has not been corrected as requested. 

I am requesting that the CFPB investigate this matter and require Experian, TransUnion, and Equifax to : Remove or correct the inaccurate personal information on my credit reports ; Notify me once the changes are made ; Send me updated copies of my credit reports reflecting the corrections. 

Thank you for your attention to this matter. I look forward to receiving your written response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Request for Correction of Inaccurate Personal Information in Credit Reports Experian, TransUnion, and Equifax To Whom It May Concern, I am writing to file a formal complaint under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding inaccurate personal information being reported by the credit reporting agencies Experian, TransUnion, and Equifax. 

Inaccurate personal information identified in my reports includes : Incorrect name ( XXXX ) XXXX XXXX Incorrect address ( es ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Other : XXXX I am enclosing copies of my current credit reports showing the inaccurate information, as well as documents verifying my identity ( government-issued ID, Social Security card , and a recent utility bill ). 

I have previously contacted the credit bureaus mentioned above to request corrections, but either did not receive a response within the legally required timeframe, or the reported information has not been corrected as requested. 

I am requesting that the CFPB investigate this matter and require Experian, TransUnion, and Equifax to : Remove or correct the inaccurate personal information on my credit reports ; Notify me once the changes are made ; Send me updated copies of my credit reports reflecting the corrections. 

Thank you for your attention to this matter. I look forward to receiving your written response. 

Sincerely, 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 2025-04-09 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the EQUIFAX credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXX XXXX  - 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Request for Correction of Inaccurate Personal Information in Credit Reports Experian, TransUnion, and Equifax To Whom It May Concern, I am writing to file a formal complaint under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding inaccurate personal information being reported by the credit reporting agencies Experian, TransUnion, and Equifax. 

Inaccurate personal information identified in my reports includes : Incorrect name ( XXXX ) XXXX XXXX Incorrect address ( es ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Other : XXXX I am enclosing copies of my current credit reports showing the inaccurate information, as well as documents verifying my identity ( government-issued ID, Social Security card , and a recent utility bill ). 

I have previously contacted the credit bureaus mentioned above to request corrections, but either did not receive a response within the legally required timeframe, or the reported information has not been corrected as requested. 

I am requesting that the CFPB investigate this matter and require Experian, TransUnion, and Equifax to : Remove or correct the inaccurate personal information on my credit reports ; Notify me once the changes are made ; Send me updated copies of my credit reports reflecting the corrections. 

Thank you for your attention to this matter. I look forward to receiving your written response. 

Sincerely, 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to report harmful inaccuracies on my credit profile that should have been corrected long ago. The presence of these errors signals a serious flaw in your investigation and verification process. These inaccuracies are directly harming my financial standing, and I will not tolerate continued negligence. 

The FCRA requires that every item reported must be both accurate and verifiable through original supporting documents. If Experian can not prove these records are valid using legitimate evidence, they must be deleted immediately. I expect a complete reinvestigation and immediate correctionfurther delay will be treated as a direct violation of my rights. 

The following dispute items are inaccurate and require urgent correction : Personal Information XXXX XXXX XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year>

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 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/year> I transferred money ( XXXX $ XXXX Euros XXXX ) from my account in Bank of America XXXX my account in XXXX XXXX XXXX XXXX XXXX. For some unknown reason XXXX XXXX didn't credit my account. On XX/XX/year> XXXX XXXX made a refund of the transfer and sent me a confirmation of this. ( Please see the file attached ) However, I don't see any refunds to my Bank of America account. 
XXXX XXXX wrote me today that Bank of America can send a claim to XXXX XXXX headquarters. I tried to contact Bank of America by phone and spent several hours (! ) waiting for an answer to no avail. Unfortunately, Bank of America clients have no other way to contact the bank except by phone. But this connection doesn't work. 

Please help me figure out where my money is and why it hasn't returned to my account yet. Thank you very much for your assistance in advance! 

Best regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-09 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT PROFILE. THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT PROFILE. THANK YOU.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$820.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$910.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX  XXXX Original creditor : XXXX XXXX XXXX A XXXX XXXX : {$600.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance XXXX {$2100.00} XXXX XXXX Inquired on XX/XX/year> XXXX XXXX  Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX XXXX  Inquired on XX/XX/year> 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I am writing to dispute a charge off account on my credit report. The account listed in the dispute above is listed without an account number, which makes it impossible for me to verify its validity or confirm if it belongs to me. Also the past due payments are incorrect. Please remove off my credit report. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DigniFi
State: KY

Complaint narrative:
I am writing to dispute a charge off account on my credit report. The account listed in the dispute above is listed without an account number, which makes it impossible for me to verify its validity or confirm if it belongs to me. Also the past due payments are incorrect. Please remove off my credit report. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-09 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-09 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: GA

Complaint narrative:
I am disputing these accounts and inquiries because they are fraudulent and unauthorized. I did not open these accounts nor did I apply for any credit that would justify these hard inquiries. This is a clear case of identity theft. I demand that these items be investigated and permanently removed from my credit report immediately.

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