vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX  i received a deposit of {$7700.00} into one of my bank checking accounts as an error. Those funds in the amount listed above weren't my funds to begin with, I contacted CASH APP SUPPORT TEAM & reported the funds fraudulent & that the funds needed to be returned back to the original financial institution listed below. On XXXX i received an email from CASH APP SUPPORT TEAM that the funds were reversed & returned back to the creditor listed below, multiple times i've contacted CASH APP to make sure that those funds were returned correctly and i have proof of evidence that states the funds were returned back to the merchant listed below, but when i called the merchant XXXX XXXX XXXX that deposited the money into my account they stated they didn't receive or recover any funds. I am wanting to take legal action in sueing CASH APP due to misleading information after multiple confirmations.

Merchant name : XXXX XXXX XXXX Transaction Date : XXXX  Transaction Amount Disputed : {$7700.00} Reason for Dispute : Fraudulent ( funds needs to be returned, because they're aren't mines and was sent to my an error ). 
Date dispute admitted XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing regarding a debt you claim I owe that has been charged off by the original creditor and is now in your possession. This letter is a formal request for validation of that debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. Additionally, I am invoking my right under 15 U.S. Code 1692c ( c ) to request that you cease further communication unless you provide the following : XXXX. The name and address of the original creditor and the date the debt was charged off. 
XXXX. A copy of the original signed agreement or contract, showing my obligation to pay. 
XXXX. A full accounting of the debt, including all principal, interest, fees, and payments made. 
XXXX. Documentation proving that you have legal ownership or collection rights over this charged-off debt ( e.g., bill of sale or assignment agreement ). 
XXXX. The date of last payment, and whether this debt is within the statute of limitations in my state. 

If you are unable to fully validate this debt, you are legally required to remove all references to it from my credit reports with any and all consumer reporting agencies to which you have reported. 

This letter is not an acknowledgment or acceptance of the debt. I am simply exercising my rights under federal law. If you continue collection efforts or credit reporting without full validation, I will report your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

Please respond in writing. I am keeping records of all communications related to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I had bought a XXXX XXXX XXXX XXXX at XXXX XXXX, I've had the car and in less than 2 months it had metal shavings in the motor probably because of a misrepresented car or damaged components inside the motor with no code to back up it needs a whole new motor rebuild I paid XXXX in the dealership with a loan agency that lend me XXXX the new motor rebuild is XXXX my warranty only covers not even half and the dealership won't take accountability on the damaged car and is only willing to take it as a trade in for as much as XXXX the highest originally it was XXXX now I'm left with pressure for a new contract a new car and a new loan and on top negative equity and I already have bad credit now my payments are so high and I have work responsibilities and need to move around so I feel this is injustice, this is my first experience with the dealership but I feel cornered and helpless I gave XXXX down in the first plus monthly payments and they are asking for XXXX for another down for. XXXX XXXX XXXX with XXXX miles again this is used the price is XXXX I would owe them XXXX and that without the first XXXX previous downs so it would be around almost XXXX grand plus my high loan rates and years to pay is exceeding now the XXXX I think it's unfair practice and taking advantage of my situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-04-25 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX  XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
Hello XXXX, USAA is refusing to give access to my account. I recently changed my phone carrier. This resulted in my number being changed. Now, I can not access my bank account.

USAA blatantly refused to give me access even though they can verify my identity over the phone and talk to my about my account. They require documentation to be submitted. Their website only allows ( XXXX ) document to be uploaded at a time before receiving a phone call. USAA can wait up to ( 3 ) days to call. Then they can request more documents and the process starts over. This is unacceptable.

I am sure thousands of people have been locked out and USAA has refused access for weeks or longer. I can only imagine the amount of money people have lost due to USAA policies and negligent behavior. I have been refused on multiple calls and have told to seek legal assistance if I want to regain access to or close my account. 

Secondly, USAA participates in illegal discrimination of the public and it's customers. 1964 anti discrimination act states private companies can not discriminate. USAA discriminates based on the class of military or non military. This is a blatant form of segregation which is illegal. 

I requested assistance with this matter. Subpoena my phone conversations. The evidence is blatant. I am not being allowed access to my account regardless of the financial implications. I have multiple account with financial institutions and lending organizations. Not a single one has refused to update my phone number after voice verification in a call. USAA is the only organization that is actively refusing access and I believe it is based upon discrimination. 

I have posted my story on many platforms. I want to say I am surprised the amount of people coming forward sharing how they were almost evicted. Another shared how she complained to CFPB and she was finally given access after weeks of being stonewalled. Others describe major financial losses due to this organizations policies. I am sure they do not enforce these policies evenly across the board. This is another form of mass discrimination. 

Thanks

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 2025-04-25 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$970.00} CAP XXXX AUTO XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$290.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$970.00} CAP XXXX AUTO XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$290.00}

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 2025-04-25 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: MOHELA
State: FL

Complaint narrative:
Ive attempted to contact this services with no luck egregious hold times then it just makes you go online. Ive attempted to get access it says theres no record of my social security number or date of birth but they clearly were able to use the same information to report it on my credit using actions that go against FERPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: PA

Complaint narrative:
My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 reported in to be removed. 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. XXXX BANK 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! Delete 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
Consumer complaint received 2025-04-25 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in Question : XXXX XXXX AAccccoouunntt NNuummbbeerr : : XXXXXXXX XXXX XXXX AAccccoouunntt NNuummbbeerr : : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your

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 2025-04-25 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:
What Happened? 
I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion, Experian, and Equifax due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : - Account Number : XXXX - Creditor Name : XXXX ( XXXX XXXX  XXXX XXXX XXXX XXXX ) - This account contains inconsistent information across all three credit bureaus : TransUnion shows no payment history and lists the account as a charge-off ; Experian reports multiple late payments including 30, 60, 90, 120, and 150 days late ; Equifax reports different late payment dates, including 30, 60, 90, and 120 days late. These discrepancies reflect inaccurate and unverifiable reporting.

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 2025-04-25 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:
What Happened? 
I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion, Experian, and Equifax due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : - Account Number : XXXX - Creditor Name : XXXX ( XXXX XXXX  XXXX XXXX XXXX XXXX ) - This account contains inconsistent information across all three credit bureaus : TransUnion shows no payment history and lists the account as a charge-off ; Experian reports multiple late payments including 30, 60, 90, 120, and 150 days late ; Equifax reports different late payment dates, including 30, 60, 90, and 120 days late. These discrepancies reflect inaccurate and unverifiable reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXXXXXX XXXX XXXXXXXX BALANCED {$0.00} CONSERVE ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$0.00} XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX XXXX * * * * BALANCED {$14000.00} XXXX XXXX XXXXXXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$53000.00} XXXX XXXXXXXX XXXX XXXXXXXX BALANCED {$44000.00} XXXX XXXX BALANCED {$0.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with explanation