vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I was in search of a car and trailer. My friend was selling these items along with other personal items. She mentioned that her sister in law was going to a facilities and they were selling things to help pay for the facility. I told them i was intersted in the motorcycle, trailer, and XXXX XXXX  XXXX. They mentioned that they needed a deposit to hold the items, so I sent the deposit of XXXXXXXX XXXX  with a plan to go see to the items on Tuesday. The account was at XXXX XXXX. I have name, account number, and address. I then got a weird feeling because of something that was said. I asked for them to verify that they were my friend by asking a easy question that my friend would know. They first got defensive then answered in with a coach that was mine. I immediately called the bank. The representative told me that the transfer had not gone thru and they sent a notifcation to the wire department. An hour later i received an email stating that the transfer went thru. I called Sofi ( bank ) back and they told me i had to dispute the charge since it had already gone thru and they could not longer stop it since it was gone. I reached out to the office of the ceo for an update because every customer service rep had a different answer. I am now being told they dont have an update and they dont know when they will have an update.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-20 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: NY

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-20 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: SC

Complaint narrative:
have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exist. ( Please remove this account before I seek litigation for defamation of character ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

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 2025-03-20 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: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
This is not my 1st complaint against Robinhood so they know my case. After my last complaint, Robinhood as usual responds to them but does not give me any information I actually need.

My HYSA with Robinhood was hacked and all my emergency fund was sent to an account made on my name but I never opened those accounts myself. With that said, the other bank XXXX said they will be giving me my money back but it needs to be returned to where it came from ( from my XXXX with Robinhood ) and that this process needs to be a bank to bank transfer. 
XXXX gave me a LOI form to send to Robinhood ( which I sent them ) and Robinhood refuses to fill out the form.

Here is what Robinhood said : XXXX XXXX, My team has informed me that the original decision will stand, and that we are unable to fill out and provide the form you wrote in about. 

You'll need to continue to reach out to your bank 's support team for this issue. While I understand this may not be the news you are wanting to hear, this decision remains final. 

Today is XX/XX/XXXX, and on XX/XX/XXXX when I got their response I asked why and they never wrote back. 

Again, Robinhood : you let the transfers go out of my account when the cards someone added to my HYSA was not even on my proper name, I always used this account to put money in and not to withdraw money and the transfers were made from CA with an Androind when I am in MA and only use Apple products. The very LEAST you can do is to fill out this LOI form so I can have my emergency fund back that is a total amount of {$26000.00}. 

Also another big detail on this case is that on XX/XX/year>, over the phone with a Robinhood representative I was able to reset an get a new log in for my HYSA and on XX/XX/year>, SOMEONE logged into my account even after the whole process of getting a new log in information and took the XXXX cards from XXXX out of my account. Who did that? It was sure not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
PROBLEM ONE - Aidvantage capitalized interest multiple times, placing me in payment terms I did not agree to nor understand, taking advantage of a significant mental health lapse while recovering from a near-death motorcycle accident. PROBLEM TWO - Aidvantage Office of Consumer Advocate has completely refused to explain why my loans were not placed into the SAVE forbearance even though I submitted my application one time ( I have confirmed this with them ). PROBLEM THREE - Aidvantage recently placed me into an unemployment forbearance even though I didn't request that. I spent three hours on the phone asking why and they refuse to provide proof I did so, have refused to provide phone records or transcripts, and have refused to provide chat records PROBLEM FOUR - The interest they capitalized was illegal as I did not allow to be placed into interest-bearing forbearances prior to 2025. THIS NEEDS TO BE PROPERLY INVESTIGATED BEFORE I HIRE A LAWYER AS THE CFPB IS NOT INVESTIGATING AS THEY AS REQUIRED TO DO

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is in regards to WELLS FARGO BANK and their banking practices : on XX/XX/XXXX : I deposited a checked given to me by a business owner from his business account and I deposited it into my Business checking account. {$400.00} only available. 
XX/XX/XXXX : The rest of the funds were supposed to be made available. But now I get a message saying only 50 % is available next day and the rest will be available in a week. 
XX/XX/XXXX : Only half of the remaining money is released. I walked into a branch and spoke to them about why funds were not available. They said corporate did it and to call. 
XX/XX/XXXX : I called and still was given nonsensical answers.

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 2025-03-20 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: TX

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - XXXX XXXX XXXX Incorrect DOB - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX  This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

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 2025-03-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries Under FCRA ( 15 U.S.C. 1681b and 15 U.S.C. 1681i ) Dear Equifax I am writing to dispute several credit inquiries that have appeared on my credit report, which I believe were made in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, these inquiries were made without my consent or a permissible purpose, as required under 15 U.S.C. 1681b.

In accordance with 15 U.S.C. 1681i, I request an immediate investigation into these inquiries and their removal from my credit report if they can not be validated as legitimate or permissible. 
Please see the details of the disputed inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX sunrise {$9200.00} These inquiries do not appear to have been made with my authorization or for any legitimate, permissible purpose, such as a credit or loan application as outlined under 15 U.S.C. 1681b. As such, I am requesting that you investigate each of these inquiries and provide proof of consent or permissible purpose for their occurrence.

If no valid evidence can be provided supporting these inquiries, I request that they be immediately removed from my credit report, as they are negatively impacting my credit score and financial well-being.

Under 15 U.S.C. 1681i, I am entitled to a resolution of this dispute within 30 days. Please confirm the outcome of your investigation in writing, and if the inquiries are found to be invalid or unauthorized, take the necessary steps to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NEW YORK COMMUNITY BANCORP INC
State: IN

Complaint narrative:
This complaint involves both a checking account and a savings account. I closed both accounts at Flagstar Bank ( XXXX, Indiana branch ) in person on XX/XX/year>. The bank repeatedly assured me that proof of account closures would be provided within 30 days, yet despite multiple follow-up calls, no written confirmation ( either by mail or email ) has been provided as of XX/XX/year>. The bank representatives have stalled and given conflicting answers. My primary concern is receiving formal, written confirmation of the closure of both accounts for my records and assurance of my privacy.

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 2025-03-20 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: PA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-20 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: PA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: MD

Complaint narrative:
Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


In accordance with the Fair Credit Reporting Act, I am requesting that these items be thoroughly investigated and promptly removed from my report. These inquiries were made without my express permission or knowledge, and I did not authorize them. Under 15 U.S.C. 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), a credit report inquiry can only be made if I have given permission or if it is for a permissible purpose, such as a transaction or credit request I initiated.

It is my understanding that you are required to verify these items with the relevant creditor. Any information that can not be verified by the creditor should be promptly deleted. I am aware that under 15 U.S.C. Sec. 1681i ( a ), Experian is obligated to complete this investigation within 30 days from the date of my letter.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2025-03-20 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: TX

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 2025-03-20 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: RI

Complaint narrative:
I am writing in response to your communication regarding the alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation of this debt.

Please provide the following information : 1. The name of the original creditor.

2. The amount of the debt.

3. Documentation that proves I am legally obligated to pay this debt ( such as a copy of the original contract or agreement ).

4. A detailed breakdown of any interest, fees, or charges added to the original debt.

5. Any judgment or court order ( if applicable ) related to the debt.

Please note that under the FDCPA, you are required to provide the requested information within 30 days. Until I receive proper validation of this debt, I am not required to make any payment.

Furthermore, if this debt is not validated, please consider this letter as a request to cease and desist all collection activities and remove any negative marks associated with this alleged debt from my credit report. 
Please send the requested information to the address listed above. 
Thank you for your prompt attention to this matter.

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