vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I want the company to remove the fraudulent inquiries in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: CO

Complaint narrative:
I have a personal loan with Upstart ( Loan # XXXX ) and have attempted to resolve a past due balance by offering to bring the account current in fullbefore any delinquency is reportedif they would restructure the loan into sustainable terms.

Despite sending four detailed emails, Ive been passed between four different representatives ( XXXX, XXXX, XXXX, and XXXX XXXX who continually misrepresented my request as either a settlement or hardship inquiry. Most recently, they informed me that my account would charge off soon, rather than accepting my full payment and modifying the terms. 

Upstart has repeatedly sent copy/paste responses, ignored case numbers ( XXXX and XXXX ), and escalated my request incorrectly. I have email documentation showing that I clearly asked to pay the past due in full in exchange for permanent restructuringnot temporary relief, not a second loan, not a settlement. 

Im now being told my account will be charged off, even though I attempted to resolve this in writing and on time. I believe this represents a failure to act in good faith and possibly predatory behavior.

Please review my request and let me know what the next steps are. I'd prefer to work with Upstart to keep anything negative off of my credit report but the lack of concern towards me as the consumer, is quite baffling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 proces 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 55 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year> I deposited a check from my employer into my Capital One checking account around XXXX. Deposited checks are typically available the following business day. 

I have submitted hundreds of checks over the years and have never had a delay. On this occasion after submitting the check, they sent an email stating they believe the check will be returned based on " confidential information '' they supposedly are privy to. 

I have never had any issues with this employer 's checks which have always cleared. There seems to be something fraudulent occuring, or this was a punitive action taken by the bank because I had a negative balance before depositing the check.

It's not a large amount of money, so there is no reason not to deposit the funds in the usual 1 business day. I am requesting information from the bank on why the deposit is being held longer than the standard business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you 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 a personal credit card account opened at Exchange under the account number XXXX, XXXX XXXX XXXX  Account number : XXXX, XXXX XXXX Account Number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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 2025-04-11 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you 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 a personal credit card account opened at Exchange under the account number XXXX, XXXX XXXX XXXX  Account number : XXXX, XXXX XXXX Account Number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: WA

Complaint narrative:
When making payments on my loan servicer, Edfinancial, it is impossible to apply additional funds to the principal or attempt to pay off my smaller loan more quickly. When making payments, it will only let you apply additional funds in a manner of the servicer 's choosing, most of which gets applied to interest. This manner of repayment is predatory and prohibits timely manner of loan repayment, ensuring that the loan servicer drains as much money as possible during the repayment process. Public student loan repayment programs are designed to keep the student in debt as long as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
When I went to check my profile I came across some inquiries that were not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: WV

Complaint narrative:
This happened today XXXX and began at approximately XXXXXXXX XXXX and finally concluded at XXXX XXXX  Attempted to pay past due amount on a loan with Kia Finance. The customer portal would not take a payment, so I called the number provided. The number takes you to a very non-user friendly automated system which has problems with button and voice recognition. There is a message given stating you can avoid fees by using the customer portal, which directs you to the number. There are 2 options other than going back to the website/portal, automated route which costs {$3.00} or pay with a live agent which costs {$7.00}. If you choose the automated route you are then subjected to a system which does not recognize the numbers you press or the words you speak and repeatedly asks if you want to speak to a live agent for {$7.00}. Then after you finally get all of the information into the automated system, and it is confirmed, it abruptly transfers you to a live agent who then will either take you for {$7.00} or transfer you back to the automated system which then brings you back to a different live agent. 

I am reporting this because they do not allow you to pay without collecting an additional {$7.00}, which they refer to as a " convenience '' fee. I believe this is an unfair and manipulative practice of extortion. Not only do they force you to pay {$7.00} to repay your loan which they are already charging interest on, they are also wasting your time by having a barely functioning system that takes 10-15 minutes to navigate and eventually forces a live agent upon you who themselves is difficult to understand, who will send you back to the automated system knowing it will bring you back to a live agent anyway.

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 2025-04-11 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: WI

Complaint narrative:
YOU ARE IN VIOLATION OF 15 US Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

This letter is a formal complaint that you are reporting inaccurate and incomplete consumer information.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of ENCLOSED Delete all other addresses, I can not receive mail or any correspondence nor do I have access to any Please delete these inaccurate addresses and names.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

I demand that the following accounts be removed immediately as it's vital to me support my family : It's federal law you report 100 % accurate and verifiable accounts on my consumer report according to 15 US Code 1681e ( b ) Please send an updated credit report once the changes are complete to my contact information listed. 

Sincerely

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 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Received a call from wells fargo that my account was being hacked I believed the call because it had already been hacked twice before they said they were going to help me fix it they were in my account going through it and I thought it was an actual representative- it was not they took all of my money and now refuse to admit that I was a vitamin of 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 monetary relief
Consumer complaint received 2025-04-11 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: OH

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: IL

Complaint narrative:
Erratic late payment history reporting statuses without clear validation. 

To include abrupt and inconsistent late payment status progression over consecutive months, suggesting a failure to report a complete and continuous payment history, an astronomical amount of ND ( no data entries ), and XXXX days entries without supporting historical data. 

Unclear or unverifiable context leading up to major derogatory payment history reporting. 

These discrepancies raise concerns about the accuracy, integrity, and completeness of the reported data. FCRA 607 ( b ) requires that consumer reporting agencies maintain maximum possible accuracy, and fragmented or partially reported payment history does not meet that standard.

To justify reporting these payments as late, they must provide proof of compliance with the following : 1. Proof of Compliance with 15 U.S. Code 1637 ( b ) : I request documentation showing that the periodic statement, containing all required information, was mailed or delivered to me at least 21 days before the payment due date.

2.Detailed Documentation : Under 15 U.S. Code 1637 ( b ), specific information must be included in the periodic statement. Please provide documentation that proves the statement was issued in compliance with these requirements and was delivered within the legal timeframe.

Notice of Requirements : In accordance with Rule 1002, you are required to provide me with the requested documentation within 10 calendar days of receiving this notice. 

Please be advised that merely asserting the information is accurate is not sufficient. Without clear proof of compliance with the relevant provisions of the FCRA ( specifically 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ) ), the information reported to the credit bureaus is invalid, and there is no basis for it to remain on my credit report. 
Please note, I am aware of the lawsuits filed against " certain credit reporting agencies '' by the CFPB, as a result, I am requesting a proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Erratic late payment history reporting statuses without clear validation. 

To include abrupt and inconsistent late payment status progression over consecutive months, suggesting a failure to report a complete and continuous payment history, an astronomical amount of ND ( no data entries ), and XXXX days entries without supporting historical data. 

Unclear or unverifiable context leading up to major derogatory payment history reporting. 

These discrepancies raise concerns about the accuracy, integrity, and completeness of the reported data. FCRA 607 ( b ) requires that consumer reporting agencies maintain maximum possible accuracy, and fragmented or partially reported payment history does not meet that standard.

To justify reporting these payments as late, they must provide proof of compliance with the following : 1. Proof of Compliance with 15 U.S. Code 1637 ( b ) : I request documentation showing that the periodic statement, containing all required information, was mailed or delivered to me at least 21 days before the payment due date.

2.Detailed Documentation : Under 15 U.S. Code 1637 ( b ), specific information must be included in the periodic statement. Please provide documentation that proves the statement was issued in compliance with these requirements and was delivered within the legal timeframe.

Notice of Requirements : In accordance with Rule 1002, you are required to provide me with the requested documentation within 10 calendar days of receiving this notice. 

Please be advised that merely asserting the information is accurate is not sufficient. Without clear proof of compliance with the relevant provisions of the FCRA ( specifically 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ) ), the information reported to the credit bureaus is invalid, and there is no basis for it to remain on my credit report. 
Please note, I am aware of the lawsuits filed against " certain credit reporting agencies '' by the CFPB, as a result, I am requesting a proper investigation.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I received my LexisNexis consumer report which has inaccurate/incomplete information. This company has reported that I have a judgement against me reference to a claim involving XXXX XXXX. This company has reported the judgement, but did not report that the judgement was dismissed. I logged into the county of records court record search and the information is present. Why they did not go back and verify is beyond my understanding. I would like for this default judgement to be removed from this reporting systems records as soon as it can possibly be removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NC

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of data trafficking/Identity theft! Please take action and remove them from my credit report asap! 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-11 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: NE

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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