vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: GA

Complaint narrative:
My most recent issue with XXXX XXXX card is regarding a payment that was made on XXXX for {$75.00} via ach debit from my XXXX XXXX XXXX, I have included proof of this payment that has been received and not yet applied to my account. I made a payment on XXXX for {$40.00}, the payment was processed by XXXX XXXX on XXXX and I was charged a late fee of {$41.00} on XXXX despite the payment had been received on time. I have also included proof of this payment. 

Last year in XXXX I made a payment of {$170.00} on XXXX, XXXX XXXX posted the payment to my account XXXX month later on XXXX and charged me fees and interest afterward. I have attached proof for your viewing pleasure. 

This company has also applied a payment to my account for another cardholder in XXXX and then removed the payment and applied a late fee to my account. 

After reading tons of complaints from other consumers with this same card it is more than obvious this company is scamming for profit by purposely withholding payments and applying late fees and penalties to the consumer. When contacting customer service there is no department to trace a payment, no one can answer where the payment is, and to make matters worse they refuse to remove the fee and penalty charges despite being at fault for the charges in the first place. 

At this point CFPB should step in and stop this predatory practice that many consumers are experiencing. XXXX, XXXX XXXX, XXXX XXXX and other sites where customers are allowed to leave reviews the complaints are consistent and similar in that the payments are being applied late or not at all and the company makes profit from the fees that are being charged. Tis company advertises falsely as a means to help a consumers credit when they are literally killing your credit with false payment posting or none at all. Help me and all other victims to get out of this nightmare.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
First I had a lot of trouble signing into TransUnion to get my " free '' credit report and score, when I finally did get in, after complaining to you XXXX, I could not download my entire credit report. I tried and 8 or 9 pages were blank ( redacted ) because those thieves knew I downloaded MY CREDIT REPORT and didn't want me to have it. What they did was let me look at it online while logged into their site, only and I could not keep it to review it and look at it in detail for inaccuracies. This is the same as not letting me have it at all. What am I supposed to do? Sit there for hours and get timed out and logged off because they won't let me save my credit report for review? I do know that my credit report was not accurate because it was missing one account that is typically reported. I have contacted the bank to make sure it is reported.

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 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
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 2025-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
The first time we contacted XXXX in XXXXXXXX XXXX  was in early XX/XX/year>. We wanted to know how much it would cost to buy 2 phones on credit, the manager made an estimate. We refused the offer because it turned out to be too expensive for us. We did not sign any papers, did not transfer any data, we did not buy any products.

We left and forgot this story. 
Then in XXXX we moved to XXXX. 
Let me clarify that we did not use anXXXX XXXX XXXX XXXXXXXX. 
In XX/XX/year>, a letter arrived at the old XXXX address stating that we had a debt. WE were shocked. Where did we get a debt if we did not buy anything. We started to find out what happened. We made a dispute on the website, called the XXXX hotline XXXX We called the hotline twice, the operator told us that XXXX telephone lines were opened in the name of XXXX XXXX, which were used in the fall of 2024, and paid for the connection. It was a shock. Who used the mobile connection under our name? The operator also said that they would send instructions on further steps by email. But this did not happen. 
Then everything repeated itself again, a letter came in our name, we called by phone, the operator promised a letter with instructions, but nothing came. 
We contacted the local T-Mobil office XXXX The manager could not take action with our account because it was closed. 
Everything is repeated for the third time. Again, an unpaid debt came to the old address, although we changed the address to a new one. 
We do not know the next steps, what to do. This looks like fraud and identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
My XXXX  account shows that I have potential negative remarks from an account Ive paid off previously. And its still on my account months later. 


1. Affirm XXXX XXXX XXXX XXXX  XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

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 2025-03-26 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: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
I have printed out my credit report and realized that there is collections or inquiries on it that I have no knowledge of and incorrect inquiries on my report from multiple sources. Please have these accounts removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
l just reviewed my consumer credit reports and noticed that there was an inaccurate accounts on my credit report from XXXX XXXX XXXX  opened on the XXXX of XX/XX/year> l have never opened any account l do not have a contract with the collection agency i c system Consumer reporting Agency have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy l contacted Experian and asked for them to investigate and removed the inaccurate account from my consumer report that they are illegally reporting and l reported specifically the alleged application bearing my signature They have not been able to provide such proof to me This is a violation of the fair credit reporting act and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof This item as l can tell was bought by a third party debt collector [ XXXX XXXX XXXX ] This account must be deleted as the status is not correct

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 2025-03-26 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: TX

Complaint narrative:
l just reviewed my consumer credit reports and noticed that there was an inaccurate accounts on my credit report from XXXX XXXX XXXX  opened on the XXXX of XX/XX/year> l have never opened any account l do not have a contract with the collection agency i c system Consumer reporting Agency have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy l contacted Experian and asked for them to investigate and removed the inaccurate account from my consumer report that they are illegally reporting and l reported specifically the alleged application bearing my signature They have not been able to provide such proof to me This is a violation of the fair credit reporting act and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof This item as l can tell was bought by a third party debt collector [ XXXX XXXX XXXX ] This account must be deleted as the status is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: NC

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 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Formal Complaint Against Equifax for Deleting My Credit File & Failing to Maintain Accurate Credit Reporting To Whom It May Concern, I am filing a formal complaint against Equifax for completely deleting my credit information from their database, violating my rights under the Fair Credit Reporting Act ( FCRA ). Upon logging into XXXX, I discovered that my entire credit file has been erasedincluding my paid-off mortgage, past credit accounts, personal information, and inquiries. 
I contacted Equifaxs Tier 3 Fraud Department and spoke with a representative named XXXX. He refused to provide his employee ID number despite other Tier 3 representatives previously providing theirs. XXXX, claiming to be a manager, stated that Equifaxs Tier 3 is the last point of contact and that my credit file should be restored within 5 to 7 business days.

This situation is highly concerning because Equifax is legally required to maintain accurate consumer reports under the FCRA ( 15 U.S.C. 1681 et seq. ). The complete deletion of my credit history suggests either gross negligence or improper file merging, which is a direct violation of the following federal laws : Legal Violations Committed by Equifax FCRA ( 15 U.S.C. 1681i ( a ) ) Credit reporting agencies must investigate disputes and ensure maximum possible accuracy.

FCRA ( 15 U.S.C. 1681e ( b ) ) Consumer reporting agencies must follow reasonable procedures to ensure the accuracy of consumer reports.

31 U.S.C. 5118 Governs financial records and consumer rights to accurate financial reporting.

UCC 3-104 Governs the obligations of financial institutions in maintaining accurate financial records.

Fair Resolution Proposal : Immediate Restoration of My Credit File Equifax must immediately restore my full and correct credit history, including all past accounts, inquiries, and personal information.

Confirmation of Accuracy Equifax must provide a written statement confirming that my credit report accurately reflects my credit history and does not contain another individual 's data.

Investigation into Data Mishandling Equifax must conduct an internal investigation into why my credit history was completely deleted and why I was given inconsistent information by their representatives.

Assurance of Non-Recurrence Equifax must implement corrective measures to prevent this type of issue from happening again.

Potential Compensation for Damages If my credit file deletion has caused financial harm, I reserve the right to seek legal remedies for damages resulting from Equifaxs mishandling of my data. 
I demand that this matter be addressed immediately and that the CFPB take appropriate action against Equifax for its failure to comply with federal consumer protection laws. 
Please provide a written response regarding the actions being taken to resolve this issue. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: PA

Complaint narrative:
XXXXquare has been holding my business funds for over 13 days without a valid explanation. I have contacted their support team multiple times via email, phone, chat, and social media, and every time I receive a different excuse. The information provided is contradictory, inconsistent, and misleading.

I was told the funds were under routine review, then told the account was deactivated, then told I should expect release within a certain timeframenone of which has happened. I have asked for written clarification or a resolution timeline, and Square has failed to provide either.

This is a serious disruption to my business. These are funds I earned through legitimate transactions, and Square is withholding them without transparency or due process. I have not received notice of any disputes, chargebacks, or fraud related to these transactions. 

Squares failure to release my money or provide accurate, consistent communication is unacceptable. I am requesting immediate release of my funds and a formal explanation of why they were held in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: LA

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 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 2025-03-26 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:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
I took out a vehicle loan through Bridgecrest for the amount of {$25000.00}. Since the start of the loan, I have paid a total of {$19000.00}. Despite this, Bridgecrest claims that I still owe {$17000.00}. This does not seem accurate, as it would mean that the total cost of the loan is over $ XXXXmore than {$17000.00} above the original loan amount. 

I have made all required payments and have not received a clear or detailed explanation from Bridgecrest regarding the remaining balance or how these figures were calculated. I requested a full payment history and breakdown of interest, fees, and principal paid, but have not received adequate clarification.

I believe this may involve either inaccurate accounting, excessive fees, or unclear loan terms. I would like this matter investigated and the loan reviewed for fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my report and was shocked to find multiple inaccuracies that are harming my scores. These mistakes have already resulted in financial setbacks, unnecessary stress, and lost opportunities. It is deeply frustrating to be held back by errors that should not be affecting 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 2025-03-26 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: IL

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 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 2025-03-26 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: IL

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 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