vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NC

Complaint narrative:
XX/XX/year> I waken up at XXXX this morning so to my alarm clock waking me up for work. I checked on my emails and seeing how I only have {$7.00} in my XXXX account. Apparently CashApp allowed my account to be hacked and used without any of my authorization. The hacker put there card information on my CashApp and bank information too. They pulled all my money except for the {$7.00} from my XXXX account onto CashApp. I tried to reach out to CashApp first by chat. Didn't work, so I filed a police report and then tried to call them back again at XXXX EST to report fraud on my account. They told me that my account was hacked and they will red flag those transactions, also note it will take 12-15 business days for the money to come back and if it doesn't come back by then. Call them back and so on... I think it's ridiculous! It left me financial distress. I was supposed to buy tires for my vehicle today.. I even contacted Current too and reported the fraud as well around XXXX today and they asked me if I tried to contact CashApp. I told them everything that I told CashApp about me filing a police report and reporting fraud.. I need to get a attorney as soon as possible. CashApp should give me my money back just as quick as they allow unauthorized user to get it. It's ridiculous!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against TransUnion for continuing to report a bankruptcy ( XXXX XXXX. XXXX ) on my credit report, despite the fact that the information is inaccurate and unverifiable. 

After I submitted a dispute, TransUnion stated that the record had been verified. However, I obtained a letter from the U.S. Bankruptcy Court confirming that the court does not report or verify any information to credit bureaus. 

Additionally, the bankruptcy is being reported inconsistently between TransUnion, XXXX, and XXXX. The reference number, filing date, and court name differ across all three reports. This inconsistency directly violates FCRA 1681e ( b ), which requires the maximum possible accuracy of credit file information. 

TransUnion also failed to disclose the method used to verify the information, which is my right under 1681i ( a ) ( 7 ), and has not provided the original source of the data as required under 609 ( a ) ( 2 ).

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 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-04-23 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: Bilt Technologies, Inc.
State: TX

Complaint narrative:
Complaint Category : Credit Reporting Improper use of my credit report / Incorrect information on credit report Complaint Summary ( Legal Version with Objective ) : Objective : I am requesting the permanent removal or blocking of all inaccurate and unauthorized tradelines related to my apartment lease from my credit reports across all consumer reporting agencies ( CRAs ) ; enforcement of compliance with the Fair Credit Reporting Act ( FCRA ) by the data furnishers and CRAs ; and a formal investigation into the misuse of my identity and credit information by the reporting entities and the leasing office responsible. 

Complaint Details : This complaint involves serious and repeated FCRA violations by XXXX XXXX XXXX XXXX, TX ) and its property manager XXXX XXXX, who disclosed my Social Security Number and personal information to up to ten unauthorized third-party vendors without my knowledge or consent ( violation of FCRA 604 Permissible Purpose ).

As a result, two vendorsXXXX XXXX and Bilt Rewardshave both reported the same lease account, creating duplicate tradelines in violation of FCRA 605 ( a ) and 605B. One of these tradelines, as reflected on my TransUnion report, states 0 % of payments made on time, omits at least 5 months of timely rent payments, and misrepresents my payment history entirelydespite the lease being paid 100 % on time, in full, via auto-draft. 

I have confirmed that neither XXXX nor XXXX  show this tradeline at all, further demonstrating reporting inconsistency and a lack of proper authorization. These false entries lowered my credit score by XXXX points, from XXXX to XXXX, causing financial harm, emotional distress, and denial of creditworthiness.

I attempted for over a year to resolve the issue directly with the vendors, who have refused to correct or remove the errors despite formal notice, in violation of FCRA 611 ( Dispute Process ). I have also now filed disputes with all CRAs and placed security freezes on my accounts. I have filed an FTC Identity Theft Report to document the data misuse and financial injury, and this meets the requirements of FCRA 605B for blocking fraudulent information. 

Requested Resolution : Immediate deletion or blocking of all affected tradelines under FCRA 605B Formal reinvestigation and removal of erroneous tradelines under FCRA 611 Sanctions or penalties against the data furnishers for unauthorized disclosure and duplicate reporting in violation of FCRA 604 and 605 CFPB enforcement action to ensure future compliance and to prevent further identity and credit abuse by this property manager and associated vendors I am submitting this complaint to hold the responsible parties accountable and to restore the accuracy, privacy, and integrity of my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NY

Complaint narrative:
Company : Aidvantage Product : Student loan Issue : Incorrect information on credit report What happened : I submitted a federal forbearance request to XXXX on XX/XX/XXXX. They failed to process it, and as a result, I have been falsely reported with 145 late payments. I disputed these late marks online on XX/XX/XXXX, but XXXX is now claiming they only received the dispute on XX/XX/XXXX, attempting to restart the 30-day dispute timeline. 

When I called XXXX to resolve this, they admitted the forbearance wasnt processed and offered to submit an internal dispute, but only from XX/XX/XXXX onwardignoring the broader error and damage. I asked for the dispute receipt confirmation and call notes, but the representative refused to provide them unless I had a subpoena. When I stated I would escalate the matter to the CFPB, the representative abruptly ended the call. 

This is a clear violation of the Fair Credit Reporting Act and a failure of fiduciary duty as a federal loan servicer. The forbearance and dispute were submitted timely, and Aidvantages internal delays are not my responsibility. Their reporting has caused massive damage to my credit score and finances.

I am requesting : 1. Full removal of all 145 late payments.

2. Written confirmation of my original dispute date ( XX/XX/XXXX ). 
3. An investigation into the call and a record of what was said.

4. Accountability for Aidvantages mishandling of my forbearance and dispute. 

I am also filing a complaint with the Federal Student Aid Ombudsman and my state attorney general.

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 2025-04-23 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: NY

Complaint narrative:
Company : Aidvantage Product : Student loan Issue : Incorrect information on credit report What happened : I submitted a federal forbearance request to XXXX on XX/XX/XXXX. They failed to process it, and as a result, I have been falsely reported with 145 late payments. I disputed these late marks online on XX/XX/XXXX, but XXXX is now claiming they only received the dispute on XX/XX/XXXX, attempting to restart the XXXX dispute timeline. 

When I called XXXX to resolve this, they admitted the forbearance wasnt processed and offered to submit an internal dispute, but only from XX/XX/XXXX onwardignoring the broader error and damage. I asked for the dispute receipt confirmation and call notes, but the representative refused to provide them unless I had a subpoena. When I stated I would escalate the matter to the CFPB, the representative abruptly ended the call. 

This is a clear violation of the Fair Credit Reporting Act and a failure of fiduciary duty as a federal loan servicer. The forbearance and dispute were submitted timely, and Aidvantages internal delays are not my responsibility. Their reporting has caused massive damage to my credit score and finances.

I am requesting : 1. Full removal of all 145 late payments.

2. Written confirmation of my original dispute date ( XX/XX/XXXX ). 
3. An investigation into the call and a record of what was said.

4. Accountability for Aidvantages mishandling of my forbearance and dispute.

I am also filing a complaint with the Federal Student Aid Ombudsman and my state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NY

Complaint narrative:
Company : Aidvantage Product : Student loan Issue : Incorrect information on credit report What happened : I submitted a federal forbearance request to XXXX on XX/XX/XXXX. They failed to process it, and as a result, I have been falsely reported with XXXX late payments. I disputed these late marks online on XX/XX/XXXX, but XXXX is now claiming they only received the dispute on XX/XX/XXXX, attempting to restart the 30-day dispute timeline. 

When I called XXXX to resolve this, they admitted the forbearance wasnt processed and offered to submit an internal dispute, but only from XX/XX/XXXX onwardignoring the broader error and damage. I asked for the dispute receipt confirmation and call notes, but the representative refused to provide them unless I had a subpoena. When I stated I would escalate the matter to the CFPB, the representative abruptly ended the call. 

This is a clear violation of the Fair Credit Reporting Act and a failure of fiduciary duty as a federal loan servicer. The forbearance and dispute were submitted timely, and Aidvantages internal delays are not my responsibility. Their reporting has caused massive damage to my credit score and finances.

I am requesting : 1. Full removal of all 145 late payments.

2. Written confirmation of my original dispute date ( XX/XX/XXXX ). 
3. An investigation into the call and a record of what was said.

4. Accountability for Aidvantages mishandling of my forbearance and dispute.

I am also filing a complaint with the Federal Student Aid Ombudsman and my state attorney general.

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 2025-04-23 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: CA

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations.

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain. 

The following late payment items are disputed and must be thoroughly reverified or deleted immediately : Late Payment ( 3 Bureaus ) XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  - Balance & Past Due : {$0.00} - Monthly Payment : Closed or paid accountXXXX  balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XX/XX/year>XXXX  Resurgent Capital Services XXXX. XXXX XXXX XXXX, SC XXXX {$900.00} To Whom It May Concern : Be advised that you failed to provide the information I requested. Once again, this is not a refusal to pay but a notice that your claim has been disputed and validation has been requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt and that some contractual obligation is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
If your offices can provide the proper documentation as requested in the following declaration, I will require 14 days to investigate this information, and during such time, all collection activity must cease and desist. Also, during this validation period, if any action is taken that could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 14 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 
Please be advised that your company is not licensed or authorized to collect a debt in the state of Texas ; therefore, cease and desist. 
You and your client should ensure that your records are in order before I am forced to take legal action. 

DEBT COLLECTOR DECLARATION Please provide the following : A complete detailed list of the payment history that I made on this account I want to see the original signature that I agreed to on this contract for this creditor. 
Have any insurance claims been found on this debt? 
Any Judgments obtained by any creditor regarding this account. 
I want to see the chain of titles that you have to collect on this account. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for Resurgent Capital Services if legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This request for validation is made pursuant to the Fair Debt Collection Practices Act. Please allow 14 days for processing after I receive this information back. 

Best Regards cc Federal Trade Commission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I used Zelle from my XXXX XXXX XXXXXXXX business account to pay for a computer monitor on offer up valued at {$1200.00}. The party i sent money to did not send the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NC

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
Received the following text message from Unknown Number : Unknown Deposited a new message : " Hi XXXX, this is, uh, XXXX XXXX. I am reaching out in regards to claim number XXXX as in XXXX, XXXX as in XXXX XXXX. Since I was unable to reach you by phone, I have been instructed to contact your place of business cause that seems like it will be your likely place of location, XXXX XXXX, you do have the option to contact that office filing the claim. However, when it is released from there, that is no longer an option for you. Phone number to that office is going to be XXXX. Best of luck moving forward. '' Click here : XXXX to listen to full voice message. 

I phoned that number. They claimed their company is called XXXX. They claimed they are referring me to county criminal court for alleged fraud and breach of contract against a company I HAD NEVER EVEN HEARD OF called Acima. They claimed I signed a contract in XXXX, 2021. They said it is lease to own furniture. They have my name, address and phone, but the email they have on file is not mine. They claimed to have sent certified mail. I have been gone traveling for work nearly two weeks. Before I left I never received mail from XXXX or Acima. 
I have Aura identity theft protection. The XXXX rep believed this is a phishing scam. Can CFPB contact Acima on my behalf to get to the bottom of this? I definitely NEVER signed any contract or opened any account with Acima. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I would like to appeal the decision made about closing my account after being a customer for over 4 years. This credit card company Goldman Sachs ( Apple card ) closed my account after has been under review by mistake. I personally spoke with 2 supervisor which they told me the same things on a phone call made on XXXX and XXXX XXXX and both they told me that for an error this the system automatically put my account under review. They promised me to open a complain about this issue and to resolve this situation for me. After really few hours later my account has been closed. Nobody call me as my multiple requests and the reason for the closed was : " There was a failure to comply with the terms of the Customer Agreement '' I did not do nothing wrong and for a mistake made by this credit card company my account has been closed. Both supervisor they did admit something went wrong during the dispute of XXXX $ from XXXX. 
I never meet, as customer in over 30 years business credit cards experiences, a credit card company of such big incompentence and really bad customer service so for this reason I ask CFPB consumer financial protection bureau to step in and help me to let this credit card company finally understand this issue and fix this problem. 
The supervisor of this credit card company over the phone told me that was closed probably by error and they open a complain on my behalf. Nobody call me back whatsover. It's literally impossible to talk with the right department and have a resolutive conversation. Customer service agents have no clue, no answer to give and no skills at all, they don't do know basically anything. IT'S A SHAME This closure its totally wrong and so inapropriated. This company should not be in business with this such horrible customer service provided. I will share all these nasty experiences received by this credit card company by leaving everywhere possible this really bad experience occured to me. 
Please help me to let this unprofessional credit card company to understand how wrong they are and to resolve this issue for me Thanks

Company response to consumer: Closed with monetary relief