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: Other transaction problem — 
Company: Block, Inc.
State: IL

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 ( 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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
MY LIFE IS A MESS WITH MY SITUATION WITH XXXX XXXX UNDER 605C. PLEASE HELP ME REMOVE AND BLOCK ALL FRAUDULENT ACCOUNTS UPLOADED WITH THE SUPPORTING DOCUMENTS.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The credit bureaus TransUnion, and Experian are reporting bankruptcies on my credit report attributing the information to the US Bankruptcy Court. The US Bankruptcy Court verified that they do not furnish information to credit bureaus or any credit monitoring service, nor do they verify or validate any information concerning bankruptcies. 

XXXX and Experian are falsely reporting this information on my credit report and has not yet removed it. The United States Bankruptcy Court does not have authority over credit reporting agencies and does not report to any of them. Bankruptcy petitions and case dockets are considered public records.

The Fair Credit Reporting Act, specifically Section 605, governs credit reporting agencies. According to this law, credit reporting agencies are prohibited from reporting bankruptcy cases on an individual 's credit report. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE. What would be a fair resolution to this issue? 
I request that you immediately remove this invalid information from my credit report. It is severely damaging my reputation and hindering my ability to secure employment to support my family.

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$670.00} which I thought was going to go towards my XXXX mortgage payment on XX/XX/XXXX. I made another payment of {$660.00}. These two totals equal {$1300.00} my mortgage payment was {$1300.00} instead of going towards that payment. These went towards the principal I was not aware of this. I called the bank. They reverse these payments and will put them towards XXXX payment however they are charging me a late fee because I didnt call them until XX/XX/XXXX because I was unaware of the issue until today when I asked them to please remove the late payment charge since I technically made my payments by XX/XX/XXXX. They proceeded to tell me that because they had already forgiven a previous late payment charge that they were unable to do this however, I feel that there should not be a late payment charge because technically my payment was made on time

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 2025-03-19 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: SC

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. Under USC 1681g, I formally ask that they be deleted within 15 days. Please find enclosed documents for reference. Moreover, the reported account details vary across different credit bureaus.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was notified of a student loan via USPS. I checked my credit report and saw a student loan had been opened on my credit report. I called Experian and put a fraud alert on the file. I called the reporting company XXXX XXXX XXXX XXXX and they said they could not find me in their system. I also tried to dispute an address in XXXX XXXX that was also on my credit report and Experian told me that I had to contact XXXX because they were the ones to report the address to Experian. 

I have never lived in XXXX XXXX. I have never even visited. The company doesn't have an account and Experian says they do. Another student loan amount has been reported this week. The first was {$2000.00} dollars, the second is {$3500.00}. This is impacting my credit score. I am not currently in school. I have my own consolidated loans on my report. These from XXXX do not belong to me.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
1. The inquiry was not authorized XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX, XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized WELLS FARGO AUTO Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX, XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

13. The following is an invalid late payment XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

14. Validate Account XXXX XXXX XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

15. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

16. Validate Account XXXX XXXX  Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

17. Validate Account XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

18. The following is an invalid late payment XXXX XXXX XXXX Account Number : XXXX Please remove late payments and update account

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In my recent credit report from Equifax Information Services LLC, I discovered that a bankruptcy record, along with several associated accounts, was inaccurately included. This information is either outdated, unverifiable, or otherwise improperly reported, resulting in severe damage to my credit profile and financial reputation. 
I formally disputed this bankruptcy record with Equifax Information Services LLC, requesting that they provide verifiable documentation from the original source or the court where the bankruptcy was filed. Despite my dispute, Equifax Information Services LLC failed to verify this information thoroughly or provide any valid documentation to support its inclusion. The agency also failed to conduct a manual review of the record, relying instead on automated systems, which do not meet the verification standards mandated under the Fair Credit Reporting Act ( FCRA ). 
Additionally, the inclusion of this bankruptcy record without my explicit consent violates my privacy rights under 15 U.S.C. 1681a ( d ). It also does not meet the permissible purposes requirement under 15 U.S.C. 1681b ( a ) ( 2 ). As a result, my access to credit has been unfairly restricted, and my financial standing has been compromised due to this erroneous reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: AR

Complaint narrative:
I am writing to formally request that you provide me with a Form 1099-C for the discharged debt referenced under account number. As you are aware, under IRS regulations, a 1099-C should be issued for any debt cancellation of {$600.00} or more. Please provide this form to accurately reflect the cancellation of this debt. 

Additionally, I want to bring to your attention the importance of accurate credit reporting. Reporting a charge-off without indicating the cancellation of the debt is misleading and potentially defamatory. When a debt is charged off, it means the creditor has already received compensation, often through securitization or other mechanisms, and the debt is no longer owed. Reporting this debt as outstanding, or failing to properly update the account status, constitutes a falsification of credit information and could be considered unlawful under the Fair Credit Reporting Act ( FCRA ). 

Falsifying credit reports, particularly in the context of securitizations and charge-offs, is illegal. I want to remind you that continued misreporting of this debt could lead to legal action, as it is damaging to my reputation and creditworthiness. You will be held fully responsible for any further defamatory actions, and I will take all necessary steps to protect my legal rights. 

I expect a prompt response and resolution of this matter, including the issuance of the requested 1099-C form and the correction of any inaccuracies on my credit report related to this account. Failure to do so will leave me no choice but to explore all available legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 request the immediate removal of unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. Under USC 1681g, I formally ask that they be deleted within 15 days. Please find enclosed documents for reference. Moreover, the reported account details vary across different 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 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a wire transfer to my Chase bank bank account. The wire was clear I was able to make withdrawals within two hours. My account was frozen two days after they said they would be closing my account and sending me a cashiers check for my remaining balance. that was XX/XX/XXXX it has been over 15 days and I still have not received payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/XXXX my mobile app was hacked that allowed for XXXX dollars to be removed from my checking along with a credit card advance from to my main checking that was able to be stopped. Proof of mobile account being hacked was alternate email I dont own and fraudulent number that is from a place Im from or have been. A second attack happened roughly thirty days after the first. The proof mentioned above was found during this time. As a credit card fraud started the case and and was unsuccessful as i had not activated it. A text notification and in roughly after that my password had been changed and that is fraudulent. The investigation team has failed to look at the obvious of the case. They look like transactions but my complete account has been hacked and forensic account could could look at these records and prove that I dont own what they bought with the money along with proof I was not in the area. This continues to be an issue and get no assistance from a federally insured bank. My next step to my knowledge is suit towards the company but wish this was resolved ethically and diligently from an over 20 year customer when they use to be a small bank.

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 2025-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I received court documents from Spring Oaks Capital in regards to default on a judgment. I do not have an account with Spring Oaks Capital they bought my credit account from the original creditor due to original creditor charged off the debt. I pulled my credit report for review and the account for Spring Oaks Capital is closed. I have a copy of my XXXX report in regard to this matter and a copy of the court document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TN

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 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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